KR20010083521A - Cyber money exchange system and the operation method thereof - Google Patents

Abstract

PURPOSE: A system for exchanging cyber money and a method for managing thereof are provided to enhance usage of cyber points by exchanging repaying points being issued in general commercial transaction and cyber points being issued in an Internet electronic commercial transaction into the cash or the third money. CONSTITUTION: A web server(12) receives Internet cyber points, general repaying point issuing condition information, cyber points by a web user and repaying points. An exchanging rate DB(17) reads Internet cyber points being inputted through the web server(12) and general repaying points issuing condition information and has table data having an exchanging rate according to each point. A point automatically receiving system(26) automatically receives acquired points in each site in accordance with a web shopping and a watching web advertisement. A member DB(16) stores cyber points according to members being inputted through the points automatically receiving system(26) at a personal DB unit. An exchanging system(14) calls total cyber money of the corresponding member being stored in the member DB(16) in accordance with cyber points accumulating state check menu selection of a registered member, and applies the total cyber money to the exchanging rate DB(17) and calculates and displays the cash or the third money corresponded to the point value.

Description

Cyber money exchange system and the operation method

The present invention does not distinguish between the gratuitous points generated in general commerce and all cyber points generated in internet commerce, and exchanges the amount equivalent to the corresponding point in cash or a third currency having a value equivalent to a certain contractual condition. By doing so, the present invention relates to a method of operating a cyber money exchange system that can increase the utilization value of cyber points and general gratuitous points to web users having a small amount of cyber points.

Recently, due to the development of the Internet business, much of the commerce is done on the Internet. Such a commerce on the Internet is very competitive price, because consumers can simply check the price difference for the same article for each shopping mall site if desired.

Therefore, as a part of customer incentives for a large number of shopping sites, cyber points such as mileages are given in proportion to the sales and the number of sales, and the cumulative cyber points can be used to purchase another item at a shopping mall within the same site. It also accepts cash points for cyber points.

However, unlike the position of the Internet shopping mall operator as described above, most consumers do not purchase their desired goods or services in one particular cyber shopping mall in a 'one-stop' manner. In other words, in many shopping malls, people often purchase their own items separately. This type of purchase allows each consumer to have a small number of useless cyber points.

Cyberpoints have a significant drop in utility value or are practically unavailable when they are in small quantities.

In general, Internet shopping malls and telecommunications companies give points to sales, but when using the points to determine the purchaseable points of goods, etc., they are set to a relatively high score, and thus valueless fragmented points are mass produced.

On the other hand, advertising sales are a big part of the business on the Internet. Many information sites on the Internet provide points that can be monetized if there are advertisements (creeks) by the visitors of the site, and the resources are replaced by part of the advertiser's contribution. In other words, the site administrator generates the sales of the site by satisfying the advertisers and consumers by using a portion of the advertising costs received from the advertisers as the advertisement viewers and the rest as their revenue sources.

However, the paid advertisement viewing program, like the above, will eventually give various kinds of useless cyber points to general Internet advertisement consumers.

A large number of Internet users expect to earn a large amount of cyber points through advertising consumption, but in reality, the operating system of each advertisement sales site cannot acquire as many cyber points as they want with one ID.

For example, they do not allow continuous clicks on the same ad or allow only one click cycle per day for the same ad.

As such, even in the accumulation of cyber points through advertisement viewing, it takes considerable time and continuous effort to reach the usable score range, so the interoperability of the fragmented points is recognized by many Internet users who have abandoned the point collection. By not doing so, there are many points that eventually become useless.

Just as a small number of individual possessions of such cyber points are the same, and so are the gratuitous points generated in general commerce.

Therefore, there is an urgent need for a method for efficiently utilizing various types of small units of cyber points obtained in connection with commercial activities or advertisement viewing in cyberspace without losing their value.

An object of the present invention is a third object that has a cash value or the equivalent value of the gratuitous points (cyber money) generated from general commerce and all cyber points (cyber money) generated from internet commerce according to a certain contractual condition. It is aimed to provide a cyber money exchange system and its operation method to increase the utilization value of cyber points to web users who have various small amount of cyber points.

Another object of the present invention is to reduce a small number of points to the cash value of each point to return the total amount to the general user and accordingly collect the points collected in the shopping mall that is operated or affiliated with the point issuer The aim is to provide a cyber money exchange system and its operation method that can be used to exhaust the spots acquired through a separate sales system.

Another object of the present invention is to allow members to automatically load cyber money or points obtained from various sites on the web from the web server of the site to the member DB of the system, and to accumulate cyber points if requested by the member. The purpose of the present invention is to provide a cyber money exchange system and a method of operating the cash value or third currency value to be applied to the exchange table so that it can be displayed at a glance.

1 is a block diagram of a system of the present invention.

2 is a flowchart of establishing a cyber point database for operating the exchange system of the present invention.

3 is a flowchart of the exchange point operation of the exchange system of the present invention.

4 is a flowchart illustrating a process of processing a large number of points secured according to the operation of the exchange system of the present invention.

※ Explanation of code about main part of drawing ※

10: User Computer 11: Cyber Exchange Office Website

12: Web server 13: General permanent store

14: Currency exchange system 15: Member account remittance system

16: Member DB 17: Currency Exchange Rate DB

18: Point Banking System 19: Point Commerce System

20,21,22: Website 23,24,25: Website Server

26: Point automatic reception system

The present invention system for achieving the above object is a web server that accepts the Internet cyber point and general gratitude points issue condition information and cyber points and gratitude points by the web users, Internet cyber points and general input through the web server Receive points of exchange for reading point issue information and automatically receive exchange rate DB with exchange rate for each point in reference currency as table data, and points earned at each site according to web shopping and web advertisements of registered members. A member DB for storing the member's cyber points input through the point automatic acceptance system, the member automatic DB unit, and the registered member's cyber point accumulation status check menu selection according to the member's personal DB unit. Recall the saved cyber money of the member and exchange the money Was applied to the DB and the current value and the third monetary amount that corresponds to that point value, it characterized in that it comprises an exchange system for displaying output.

Hereinafter, the present invention will be described with reference to the accompanying drawings.

1 is a block diagram of a system of the present invention. As referred to herein, the exchange system 14 of the present invention includes information on the condition for issuing cyber points at the servers 23-25 operating each site and the conditions for issuing gratuitous points at the general permanent store 13. Exchange rate DB (17) having the exchange rate of each point for the base currency by reading the web server 12 and the Internet cyber point and general gratuit point issuance condition information inputted through the web server. And a member DB 16 for storing the personal information of the member input through the web server and the amount of cyber points acquired from the entire website.

In addition, the exchange system 14 has a member account remittance system 16 for remitting the exchange amount calculated in the exchange system to a member's account, and free points and cyber points obtained by exchanging and secured cash in the exchange system. The point banking system 18 accumulatively holds each connection to the point banking system 18, and the point banking system 18 purchases cash in kind or collects cash with a large amount of points collected at the point issuer's shopping mall sites 20 and 21 and the advertisement site 22. The redemption point commerce system 22 is connected and comprised.

The web server 12 operates a cyber exchange website 11 and configures a web user to register and exchange money through a user computer 10 connected to the website.

On the other hand, each server 23-25 operating the shopping mall site 20, 21 and the advertising site 22 is connected to the currency exchange system 14 cyber points given in return for site visits and Internet commerce. The point is automatically transmitted to the automatic reception system 26. In order to automatically transmit the cyber point earning points for each member to the relevant system in various websites, it may be executed through consultation between website operators in advance.

Referring to the operation process and operation method of the present invention configured as described above are as follows.

First, the exchange system 14 collects and processes the point issuance conditions of the cyber point issuer and the point issuance points of the general point of sale transaction on the Internet through the web server 12, and then converts the information into the exchange rate DB 17. Fill in the conversion rate table.

The exchange table data information on the exchange rate DB 17 makes it possible to display the cash value information for all points acquired on the web in units of registered members at a glance.

In particular, when the exchange system 14 of the present invention presents the registered member's ID through alliances with all the cyber point issuers on the web, the cyber point acquired by the registered member on the site is automatically received. 26) or when a registered member acquires cyber points through internet commerce and advertisement viewing at a partner company's site, the member DB 16 is immediately sent to the automatic point-of-acceptance system 26. In each individual, all the cyber points acquired by the registered member on the web are accumulated and stored.

In this state, when the registered member selects the exchange program driving menu to check the cash value for the cyber money or cyber points secured through the cyber exchange office website 11, the exchange system 14 points. All kinds of cyber points collected by the member through the automatic reception system 26 and stored in the individual member DB 16 from all websites are applied to the exchange table DB 17 to be displayed as a series of sequential table tables. .

Through this, it is possible to grasp at a glance how much the cash value of a particular company issued cyber points or gratuitous points is, and how much of the third money amount is converted to a third currency.

2 is a flowchart illustrating a process for creating the exchange point value table.

Point Exchange Inquiry on the Web A user who wishes to exchange points of various cyber point issuers whose own incompatibility is incompatible with cash or a third currency can access the exchange system 14 through the cyber exchange office website 11. The membership registration process is required to be approved for use.

At this time, the system side of the present invention may require a unique ID of another website for the normal operation of the automatic exchange program upon receiving the consent of the applicant at the time of membership registration. Unlike this, however, it is also possible to automatically transfer cyber points accumulated on other websites of the member to the member DB of the present invention through exchange of personal identification information through agreement with other websites.

On the other hand, if the exchange request after the cash value or the third currency value of the cyber point by the member is requested, the exchange system 14 calculates by applying all the points of the member's own various types to the exchange rate DB (17) Then, the user is notified of the cash amount or the third money amount corresponding to the total amount, and according to the user's request, the automatic transfer of cash calculated through the member account transfer system 15 or the third money amount is applied to the member DB. The data is stored again in the personal information storage location of (16).

In performing the above process, when the exchange point user requests cash exchange (cash back) as it is according to the accumulated point value, it is possible to cash back only the remaining amount by subtracting a certain rate of operating fees from the total amount. For example, if the exchange point user requests a cashback, the user may pay 90% of the cash amount calculated from the cyber point.

The third unit of currency may be designated as KHAN MONEY designated by the applicant of the present invention, and in the case of requesting the conversion to the above money for all point values held by the user himself, the operation of the card fee is about. After deducting expenses (3-5%) (95-97%) can be converted to money to be stored in the individual member DB (16).

By using the money stored in his personal member DB 16 as described above, the member can purchase a spot at the corresponding value at a shopping mall site or an offline store operated by the system.

3 is a flowchart illustrating an operation process of the above cyber point exchange system.

As referred to herein, when a user who wants to use the cyber money exchange system accesses the website through the Internet and selects a menu for operating his / her gratuitous points and a cash value calculation program for cyber points, the exchange system returns an ID. If there is no ID or registration ID is not required, membership is requested through input of personal information.

After the membership is completed, it is determined whether the execution of the cash or third currency conversion for cyber points is required, and if the value calculation menu is selected, the amount corresponding to the sum of the total cyber points or the third money amount is registered for each registered member. Mark and then check for cacheback.

In this case, if cashback request is requested, the remaining amount is paid in cash through the member's account, except for a certain rate (for example, about 10%) of the exchange point fee, and if it is not a cashback request, it is converted to the third currency value. The data corresponding to the monetary amount is registered and stored in the member's DB. The third currency may be used to purchase goods at a shopping mall (including the Internet and a general store) operated by the present system or at an affiliate shopping mall.

On the other hand, various points purchased by converting cash points or the like into cashback or third currency of the general public and members are stored in the point banking system 18 and stored in the point banking system 18. Present a relatively large amount of points collected and receive cash.

At this time, if the company can not cash cash payment can be paid in kind, and the goods made in kind using the third-party cyber point issued by the present invention ad sales system that has been proposed by the applicant of the present invention (aka no money magic system) Can generate another operating income.

However, if you fail to accept or pay cash or cash payments for the presentation of cyber points purchased from members, you can terminate the cyber point issuer and disclose the default company on the web.

On the other hand, if a mileage or other item is promised to provide mileage or other goods only when a certain point is reached, the ticket can be purchased with the sum of the mileage purchased from the members, and in this case, the transaction discount rate for mass purchases will be earned. Can be. The same effect can be achieved by purchasing oil or other items in the same way.

It is also possible to set up a point-sharing area on a regional basis and to process and share the points provided by the small stores in that area in the area.

4 is a flowchart illustrating an operation process of various types of cyber points collected through the exchange point transaction described above.

As described above, the present invention converts and issues the gratuitous points generated in general commerce and all cyber points generated in internet commerce to a third integrated cyber currency having a cash value or the equivalent value according to a predetermined contract condition. It brings a unique effect of increasing the value of cyber points for web users with a small amount of cyber points.

In addition, the present invention returns a small amount of a number of points to the cash value of each point to return the total amount to the general user and accordingly the collected points in kind in the shopping mall that is operated or affiliated with the point issuer By exhausting the acquired spot through a separate sales system, it brings a unique effect of facilitating the distribution cycle of goods.

In addition, the present invention allows members to automatically load cyber money or points obtained from various sites on the web from the web server of the site to the member DB of the system, and upon the member's request, the cash value or The third currency value is applied to the currency exchange table so that it can be displayed at a glance so that the Internet user can accurately grasp the actual value of the cyber money he has obtained.

Claims (5)

Read the Internet cyber point and general free point issue condition information and the web server 12 which receives the cyber point and free point by the web users, and the Internet cyber point and general free point issue condition information input through the web server. Automatically accept points earned from each site according to the web shopping and web advertisements of registered members and the exchange rate DB 17 having the exchange rate per table for the base currency as table data The member DB 16 stores the member cyber points inputted through the automatic point-in-time receiving system in the personal DB unit of the member, and the member DB according to the cyber point accumulation status check menu selection of the registered member. Recall the total cyber money of the member stored in the DB and apply it to the exchange rate DB (17). Cyber money exchange system of the corresponding current value and the third monetary amount comprising a currency exchange system 14 for displaying output. The cyber money exchange system according to claim 1, wherein the currency exchange system 14 has a point commerce system 19 for commerce with a point issuer using cyber points stored in the point banking system 18. . Point exchange inquiry on the web The user can register for the user's registration process to access the cyber exchange office's website in order to exchange points of various incompatible cyber point issuers for cash or third currency. After the member registration is confirmed, the cash value or the third currency value of the cyber points acquired by all members on the web site is applied to the exchange rate DB and displayed in a series of table tables. Automatically transfer cash calculated by the exchange system member account according to the exchange request, or save the third currency amount back to the personal information storage location of the member DB, and store a large amount of cyber points in the point banking system. And operating the system using the third currency secured in the step. The cyber money exchange system operating method comprising the step of allowing the purchase of goods in a shopping mall or affiliated shopping mall. 4. The method of claim 3, wherein the points collected by performing the exchange point process are classified by issuing company and paid in cash or in cash. The method of operating a cyber money exchange system comprising the step of publicizing on the web, and using the spots purchased by the mass points as a resource for the advertisement viewing system. The cyber money exchange system according to claim 3, wherein the cyber point exchange system sets a point sharing area in a specific area unit and processes and shares points provided by the small stores in the area in the corresponding area. How to operate.