KR20010105120A - System for cash advance service using a cyber point - Google Patents

Abstract

The disclosed contents are related to a cash service system using cyber points, and after a plurality of terminal user members register with a plurality of point earning servers, a predetermined cyber cost in accordance with the cost of electronic commerce or services provided by the corresponding point earning server is provided. If you earn points and request cash services to use credit card cash services at no interest using the accumulated cyber points, the points earning server requests general purchase or cash service approval from the credit card company server, and credit card company server If the authorization is obtained from the point earning server or credit card company server provides a cash service to the user, and when the credit card payment date of the user arrives, the credit card company server performs the payment of the cash service provided to the user.

Therefore, the present invention is very convenient because the user does not have an interest burden when using the cash service through the credit card, because the user frequently uses the site to earn points, the recognition of the site side is greatly increased, the credit card company It provides the effect of greatly reducing the risks of using cash services.

Description

System for cash advance service using a cyber point}

The present invention relates to a cash service system using cyber points.

More particularly, the present invention relates to a cash service system using cyber points, which allows a plurality of users to use credit card cash services without interest using various cyber points earned through various commerce or services online or offline.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

Most e-commerce sites among these sites provide predetermined cyber money or cyber points according to users' e-commerce, and if they want to use e-commerce later, they can use the accumulated cyber money or cyber points at a lower price. It provides a service to purchase goods.

In addition, in addition to the above-mentioned e-commerce sites, other sites that provide advertisements, quizzes, and portal services provide users with a predetermined cyber point in a similar manner. There is a provider.

As described above, cyber points accumulated through various commerce or services grant a benefit to purchase a product for each point on the corresponding site or pay cash to the user.

However, users who use the sites that accumulate the cyber points as described above are inconvenient to use the products or services to obtain cash when the accumulated points are small. In addition to obtaining products or cash provided by the site, there are no ways to use cyber points in other ways such as financial services.

An object of the present invention is to use a cyber point to allow a plurality of users to use credit card cash services without interest using a variety of cyber points earned through various commerce or services on-line or off-line to solve the above-mentioned problems To provide a cash advance system.

1 is a block diagram schematically showing the configuration of a cash service system using a cyber point according to the present invention;

2 is a block diagram showing in detail the configuration of each point earning server of FIG.

Figure 3 is a block diagram showing in detail the configuration of the point earning and exchange server of Figure 1,

4 is a flow chart showing in detail the operation of the cash service method using a cyber point according to the present invention;

5 to 8 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

10: network communication network 20: terminal device

30: points earning server 32: data input unit

34: main control unit 36: database unit

38: communication control unit 40: points earning and exchange server

50: credit card company server 60: bank server

A cash service system using a cyber point according to the present invention for achieving the above object comprises: a network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; A communication environment is established to provide access to a predetermined cyber point through a network communication network and to support credit card cash service using the cyber point. A plurality of terminal devices for outputting data according to services of commerce and advertisement viewing, quiz solving, and game performance, and outputting a credit card cash service request signal input by a user according to externally provided form data; Perform business agreements related to credit card cash services with a plurality of credit card companies, and earn a predetermined cyber point for each user according to e-commerce or services performed by a plurality of terminal device users connected through a network communication network, When the cash service request signal of the user who earned the cyber point is input from the device, the amount of credit card cash service that can be used without interest is calculated and provided to the user according to the cyber points earned by the user, and finally selected by the user. When this is done, the credit card cash service authorization request is performed externally, and at the same time, the user of the terminal device is notified of the approval result or the rejection result provided externally. To do The number of points earned and the server; When a credit card cash service request signal is input from a plurality of points earning servers, the cash service authorization request is performed, and then the cash requested by the user is transferred to the user's bank account. At the same time as billing the details and principal portion of the points earning server is characterized in that it comprises a plurality of credit card company server billing the interest portion of the cash service used by a particular user.

In addition, the cash service method using the cyber point according to the present invention, (1) a plurality of terminal users to perform a member registration to a plurality of points earning server, to the price of the e-commerce or services provided by the point earning server Earning cyber points according to the above; (2) a process of requesting a credit card cash service using a cyber point provided by a user of a terminal device from a point earning server; (3) Upon request of a credit card cash service using a cyber point of a terminal device user, a request is granted from a point earning server to a credit card company server, and cash is given to the user from a point earning server or a credit card company server according to the approval of the credit card company server. Providing a service; (4) a process of performing a payment of a cash service provided to a user of a terminal device in a credit card company server.

Hereinafter, with reference to the accompanying drawings will be described in detail a cash service system using a cyber point of the present invention.

Here, the cyber point mentioned in the present invention is a concept that includes all the cyber money, points, etc. that can be used in return for goods or services that users give to users on the site for various valuable activities such as e-commerce on the Internet. to be.

1 is a block diagram schematically showing the configuration of a cash service system using a cyber point according to the present invention.

As shown, the network communication network 10 is a communication network such as a wired / wireless internet, a public switched telephone network (PSTN), a plurality of terminal devices 20 to be described later, and a plurality of point earning servers 30. , By connecting the communication lines between the points earning and exchange server 40, a plurality of credit card company server 50 and a plurality of bank server 60 to perform data communication related to the cash service using a cyber point between each other.

The plurality of terminal devices 20 provide a predetermined cyber point through the network communication network 10 and at the same time a plurality of point earning server 30 and points earning and exchange server to support a credit card cash service using the cyber point A communication environment is established so as to be able to access 40, and a plurality of points are provided for e-commerce or service (eg, watching advertisements, quiz solving, game performance, etc.) data performed by a user connected to the communication to earn cyber points. Credit card cash service request signal input by the user according to the form data provided by the earning server 30 and the point earning and exchange server 40, the point earning server 30 and the point earning and exchange server 40 To output the point earning server 30 and points earning and exchange server 40.

In this case, the above-described terminal device 20 is most preferably using a general computer, but is not limited thereto, and may use a wired / wireless telephone.

That is, a user of the terminal device 20 requesting a credit card cash service using a cyber point to a plurality of point earning server 30 and a point earning and exchange server 40 to be described later uses a wired / wireless phone instead of a computer. After connecting to a specific point earning server 30 and points earning and exchange server 40 will be able to request a credit card cash service using cyber points.

The plurality of point earning server 30 sets up a business agreement related to credit card cash services using a plurality of credit card companies and cyber points, and is performed by a plurality of terminal device users 20 connected through a network communication network 10. Earn a predetermined cyber point for each user according to e-commerce or service.

Then, the plurality of points earning server 30 is credit card cash service that can be used without interest according to the cyber points earned by the user when the cash service request signal of the user who earned the cyber point from the specific terminal device 20 is input It calculates the size and provides it to the user. When the final selection is made by the user, the credit card cash service authorization request is performed to the credit card company server 50 and the authorization result provided from the credit card company server 50 is received. Notifies the user of the terminal device 20, and performs payment of the interest portion according to the credit card cash service payment request of the specific user from the credit card company server 50.

In this case, when the plurality of point earning server 30 does not set a business agreement related to credit card cash services with a plurality of credit card companies, the credit card cash service request signal of the user who earned the cyber points is input to the corresponding credit. The card company server 50 performs a general purchase authorization request instead of the cash service authorization request as described above, and when the authorization is made from the credit card company server 50, the user transfers the requested cash to the user's bank account, The payment amount deducted from the card fee is received from the credit card company server 50.

That is, by directly transferring the cash held by the point earning server 30 to the account of the user who requested the cash service, and receiving the amount deducted from the fee when the settlement of the credit card company server 50 is performed. Interest portion of the service will be borne by the point earning server 30 side.

On the other hand, when the authorization point is denied from the credit card company server 50 when performing the cash service or the general purchase authorization request to the credit card company server 50 in accordance with the user's cash service request in the point earning server 30 described above The earning server 30 receives the reason (for example, exceeding the available amount of cash service, nonpayment of the user's credit card payment, etc.) from the credit card company server 50 and rejects the authorization to the user of the terminal device 20. Give results.

Point earning and exchange server 40 performs the basic operation of accumulating cyber points and providing credit card cash services to users of the plurality of terminal devices 20, such as the plurality of point earning server 30 described above, In addition, after establishing a partnership relationship with the plurality of point earning server 30 and cyber point exchange, the user of the terminal device 20 sums up the cyber points accumulated for each of the plurality of point earning server 30 in which the partnership is set. When requesting a credit card cash service, the user exchanges cyber points accumulated in a specific point earning server 30 at a preset rate.

That is, the point earning and exchange server 40 has a cyber point for using a cash service without interest when a user of a specific terminal device 20 requests a credit card cash service using a cyber point through a specific point earning server 30. If it is insufficient, it is to be able to exchange the cyber points through the points earning and exchange server 40 in order to add up the cyber points earned from the other point earning server 30 is established partnership.

In addition, the point earning and exchange server 40 described above establishes a partnership relationship between the company and the point-exchange off-line, a plurality of points earning server that the user of a plurality of terminal device 20 is established on the network communication network 10 In addition to the cyber points earned in (30), the points earned offline may also be serviced to be exchanged at a preset rate.

The plurality of credit card company servers 50 perform a cash service authorization after a specific user's credit card cash service request signal is input from the plurality of point accumulation server 30 and the point accumulation and exchange server 40, and then the cash requested by the user. Remittance to the account of the corresponding user through the bank server 60, and when the credit card payment date arrives, billing the user history and the principal portion to a specific user at the same time points earning server 30 or points earning and exchange server 40 Bills the interest portion of the cash advance used by a particular user. And, the credit card company server 50 outputs the result of the rejection to the point accumulation server 30 or point accumulation and exchange server 40 when there is a reason for exceeding the cash service available amount of the credit card user, payment arrears.

2 is a block diagram showing in detail the configuration of each point earning server 30 of FIG.

As shown, the data input unit 32 has an operation program that supports credit card cash services using cyber points and cyber points according to the electronic commerce / service performance of a plurality of users of the terminal device 20 input by the server operator It outputs to the main control part 34 mentioned later.

The main control unit 34 controls to store the information of the credit card companies that set up a business agreement related to the credit card cash service and the member registration data input by the users of the plurality of terminal devices 20 in the database unit 36 to be described later. Controls the accumulation of a predetermined cyber point generated in exchange for an electronic commerce or a service performed by a plurality of terminal device users.

When the cash service request signal is input from the user of the specific terminal device 20, the main controller 34 determines the size of the credit card cash service that the user can use free of interest according to the operation program input through the data input unit 32. Calculate and output to the terminal device 20, and when the terminal user of the terminal device 20 is finally selected, the credit card company service request to the credit card company server 50 and the credit card cash service authorization request to the terminal device 20 at the same time An authorization result or an authorization rejection result is output, and the interest portion of the cash service used by the user is performed when the credit card cash service settlement request is requested from the credit card company server 50.

The database unit 36 stores an operating program input through the data input unit 32 under the control of the main controller 34, stores member registration data input by users of the plurality of terminal devices 20, The terminal device 20 stores the cyber points that are acquired by the users in exchange for electronic commerce or services and the cyber points that are reduced according to the use of credit card cash service.

The communication control unit 38 receives the member registration data or the credit card cash service request signal input by the corresponding user according to the communication connection of the plurality of terminal devices 20 through the network communication network 10 and outputs it to the main control unit 34. In order to obtain cyber points, the electronic commerce or service data received by a plurality of terminal apparatuses 20 users are input and output to the main controller 34, and the credit card company server 50 is controlled by the main controller 34. By performing the communication connection to the output of the cash service approval request signal, and receives the payment request signal according to the credit card cash service from the credit card company server 50 and outputs to the main control unit 34.

On the other hand, the present invention has been described as an example of providing a credit card cash service using the cyber point to a plurality of terminal device users 20 as an example, but is not limited to this, in addition to the amount of cyber points that the user has earned As a result, it can be provided that the service can be used at a lower rate than the basic rate generated when using the cash service.

Next, an embodiment of a cash service method using cyber points according to the present invention configured as described above will be described in detail with reference to FIGS. 3 to 7.

3 to 7 are flowcharts showing in detail the operation of the cash service method using the cyber point according to the present invention.

Here, the terminal device 20 will be described as an example of using the cash service and the accumulation of cyber points through any one point earning server 30.

First, users of a plurality of terminal devices 20 perform member registration on the point earning server 30 and accumulate cyber points according to the cost of the e-commerce or service provided by the corresponding point earning server 30 (S10). .

In detail, when the user of the terminal device 20 performs a communication connection to the point earning server 30 through the network communication network 10 (S11), the point earning server 30 to the corresponding terminal device 20. The form data is output so that the user can input user authentication data such as ID and password (S12).

Thereafter, the point earning server 30 determines whether the user of the terminal device 20 inputs authentication data such as an ID and a password according to the form data for user authentication provided by the point earning server 30 (S13). 20) If the user enters the authentication data, it is determined whether the user is registered as a member (S14).

However, if the user of the terminal device 20 does not input the authentication data as a result of the above-described determination in step S13, the point accumulation server 30 determines whether the user selects a new member registration (S15).

As a result of the determination in step S15, when the user of the terminal device 20 selects a new member registration, the point earning server 30 outputs the form data necessary for the new member registration to the terminal device 20, and the user New member registration data to be entered is built into the database (S16).

And after the user confirmation or new registration is made through the above-described step (S14) (S16) points earning server 30 is the terminal 20 user to watch the e-commerce or advertising for cyber point accumulation, quiz application, games It is determined whether to perform a service such as performance (S17).

As a result of determination, when the user of the terminal device 20 performs an e-commerce or a service, the point earning server 30 accumulates a predetermined cyber point according to the price of the e-commerce or the service to the user (S18).

Thus, after the user of the terminal device 20 has earned a predetermined cyber point through the above-described process (S10), the point earning server 30 is provided by the user of the terminal device 20 in the point earning server 30 Check whether the credit card cash service using the cyber point is requested (S20).

In detail, the point earning server 30 determines whether the user of the terminal device 20 selects a credit card cash service menu using cyber points among a plurality of menus provided by the point earning server 30 (S21). .

As a result of the determination, when the user of the terminal device 20 selects the cash service menu, the point earning server 30 extracts the cyber points accumulated by the corresponding user, which is constructed as a database, and uses each credit available without interest corresponding to the corresponding cyber points. The cash service amount data for each card company is calculated (S22).

In addition, the user of the terminal device 20, together with the cyber point, the interest-free cash service amount data accumulated by the user in the point earning server 30, such as card type, card number, cash service request amount, etc. The form data for inputting the credit card information is output to the corresponding terminal device 20 (S23).

After outputting the form data, the point earning server 30 determines whether the user of the terminal device 20 inputs the credit card information of the card type, card number, and cash service request amount for receiving the cash service according to the form data. (S24), the terminal device 20 temporarily stores the credit card information input by the user (S25).

Now, when the cash service request using the cyber point is performed by the user of the specific terminal device 20 through the above-described process (S20), the point earning server 30 uses the credit card using the cyber point of the user of the terminal device 20. In response to the cash service request, the credit card company server 50 requests an authorization for providing the cash service, and according to the approval of the credit card company server 50, the point accumulation server 30 or the credit card company server 50 sends the request to the user. Provide a cash service (S30).

In detail, the point earning server 30 determines whether a credit card company requesting a cash service according to the credit card information input by the user of the terminal device 20 is set up for a business agreement related to the cash service (S30A). ).

As a result of determination, if the business agreement is a credit card company is established, the point earning server 30 performs the cash service authorization request of the amount requested by the user of the terminal device 20 to the credit card company server 50 (S30B), the credit card company server In step 50, it is determined whether the cash service approval is made (S30C).

As a result of the determination, if the cash service approval is performed from the credit card company server 50, the point accumulation server 30 notifies the user of the terminal device 20 of the approval result (S30D).

Thereafter, the credit card company server 50 transfers the cash service amount requested by the user to an account of a specific bank designated by the user (S30E), and the cash service amount is transferred to the user of the terminal device 20 from the credit card company server 50. Afterwards, the point earning server 30 stores the cyber point and cash service providing result data that is changed according to the user's use of the cash service (S30F).

However, if the determination of the above step (S30C), the credit card company server 50 is rejected from the credit card company authorization, the point earning server 30 exceeds the amount of cash service available related to the denial from the credit card company server 50, the user's The terminal receives the data such as credit card payment arrears and informs the user of the terminal device 20 (S30G).

On the other hand, when the determination result of the above-described step (S30A) is not a credit card company that is set up a business agreement related to the cash service, the point earning server 30 requests the general purchase approval of the cash service requested by the user to the credit card company server 50 Perform (S30H), and determine whether the general purchase authorization is made by the credit card company server 50 (S30I).

As a result of the determination, when the general purchase approval is performed from the corresponding credit card company server 50, the point earning server 30 notifies the user of the general purchase approval result to the corresponding terminal device 20 (S30J), and the user of the terminal device 20 Remittance of the cash service amount requested by the user to the specified bank account (S30K).

Subsequently, when the credit card payment request is performed from the point credit server 30, the credit card company server 50 pays the payment amount deducted a predetermined fee according to the use of the credit card to the point credit server 30, The above-described step (S30F) is performed (S30L).

However, if the general purchase approval is denied as a result of the above-described determination (S30I), the point earning server 30 exceeds the amount of cash service available related to the refusal from the credit card company server 50, the data such as non-payment of the credit card payment by the user. It receives the input and notifies the user of the terminal device (20) (S30M).

After the predetermined amount of cash service is provided to the user of the terminal device 20 through the above-described process (S30), the credit card company server 50 performs the settlement of the cash service provided to the user (S40).

In detail, the credit card company server 50 determines whether the billing date according to the credit card payment of the user of the terminal device 20 arrives (S41), and when the credit card billing date is reached, the user's usage history is used. Extract (S42).

Then, it is determined whether there is a history of using the cash service through the point accumulation server 30 in which the business agreement related to the cash service is set among the extracted user's use history (S43).

As a result of the determination, when there is a history of using the cash service through the point earning server 30 in which the business agreement related to the cash service is set, the credit card company server 50 determines the principal of the cash service provided to the user and the cash service. The interest according to the operation to claim to the point earning server 30 (S44).

However, as a result of the above-described determination (S43), when there is no history of using the cash service through the point earning server 30 in which the business agreement related to the cash service is set, the credit card company server 50 uses the user's general usage history. Perform the operation for claiming (S45).

Then, after analyzing all the user's usage history, the credit card company server 50 sends a usage history bill to the credit card user and / or point earning server 30 and pays the price (S46).

As described above, according to the cash service system using the cyber point of the present invention, since the users can use the credit card cash service without interest using the cyber points earned in exchange for commerce or service, the cash service through the credit card is used. There is no interest burden, and it is very convenient. Even if there are few cyber points earned, the cash points can be used for free as much as the corresponding cyber points can be used to maximize the utilization of cyber points.

In addition, since users who use credit card cash services at no interest rate frequently use sites that accumulate points to obtain cyber points, not only the site side but also the server computer side that supports the cash services using cyber points are many users. Awareness can be greatly increased according to interest and use, and additionally, sales increase due to advertising revenue.

In addition, credit card companies that support cash services using cyber points can effectively reduce the risk factor because at least the recovery of interest portion from the server computer is guaranteed when users use the cash service.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (12)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; A communication environment is established to allow access to a predetermined cyber point through the network communication network and to support credit card cash service using the cyber point. A plurality of terminal devices for outputting data according to service of e-commerce and advertisement viewing, quiz solving, and game play, and outputting a credit card cash service request signal input by a user according to externally provided form data; Perform business agreements related to credit card cash services with a plurality of credit card companies, and accumulate predetermined cyber points for each user according to an e-commerce or service performed by the users of the plurality of terminal devices connected through the network communication network; When a cash service request signal of a user who has earned a cyber point from a specific terminal device is input, the amount of credit card cash service that can be used at no interest is calculated and provided to the user according to the cyber points earned by the user, and by the user. When the final selection is made, the credit card cash service approval request is performed externally, and the terminal device user is notified of the approval result or the rejection result provided externally, and the interest portion according to the credit card cash service payment request of the specific user from the outside. Make a payment A plurality of points earning server to perform; And When a credit card cash service request signal of a specific user is input from the plurality of point earning servers, the cash service authorization request is performed, and then the cash requested by the user is transferred to the bank account of the corresponding user. A cash service system using cyber points, comprising a plurality of credit card company servers for billing usage details and principal parts and billing the interest portion of a cash service used by a specific user to the point earning server. According to claim 1, The point earning server, A data input unit through which a server operator inputs an operation program to support cyber point accumulation and credit card cash service using cyber points according to electronic commerce / service performance of the plurality of terminal apparatus users; Controls the storage of credit card company information that sets a business agreement related to credit card cash service and membership registration data input by the plurality of terminal device users, and occurs at the cost of an electronic commerce or service performed by the plurality of terminal device users. To control a predetermined cyber point accumulation, if the cash service request signal is input from the user of a specific terminal device according to the operating program input through the data input unit calculates the size of credit card cash service that the user can use free of interest and the corresponding When the terminal device user's final selection is made, the credit card cash service approval request is performed to the credit card company server, and the approval or rejection result provided by the credit card company server to the terminal device is controlled. To control the output of the credit A main controller for performing an interest partial payment of a cash service used by the user when a credit card cash service payment request is made from the card company server; Under the control of the main control unit stores an operating program input through the data input unit, stores the member registration data input by a plurality of terminal device users, the plurality of terminal device users to obtain in exchange for electronic commerce or services A database unit for storing cyber points reduced according to the use of cyber points and credit card cash services; And According to the communication connection of the plurality of terminal devices, the member registration data or credit card cash service request signal input by the corresponding user is received and output to the main controller, and the electronic commerce performed by the plurality of terminal device users for cyber point acquisition. Or receiving service data and outputting the service data to the main control unit, performing a communication connection to the credit card company server under the control of the main control unit, and outputting a cash service approval request signal from the credit card company server according to the credit card cash service. And a communication control unit for receiving a payment request signal and outputting the signal to the main control unit. A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; A communication environment is established so that a user can access a predetermined cyber point and a credit card cash service using a cyber point through a network communication network. A plurality of terminal devices for outputting data according to service of e-commerce and advertisement viewing, quiz solving, and game play, and outputting a credit card cash service request signal input by a user according to externally provided form data; Perform business agreements related to credit card cash services with a plurality of credit card companies, and accumulate predetermined cyber points for each user according to an e-commerce or service performed by the users of the plurality of terminal devices connected through the network communication network; When a cash service request signal of a user who has earned a cyber point from a specific terminal device is input, the amount of credit card cash service that can be used at no interest is calculated and provided to the user according to the cyber points earned by the user, and by the user. When the final selection is made, the credit card cash service approval request is performed externally, and the terminal device user is notified of the approval result or the rejection result provided externally, and the interest portion according to the credit card cash service payment request of the specific user from the outside. Make a payment A plurality of points earning server to perform; Performing the same operation as the plurality of points earning server, and establishes a partnership relationship associated with the exchange of cyber points with the plurality of point earning server, the terminal user cyber cyber earned for each of a plurality of points earning server partnership set up A point earning and exchange server for exchanging cyber points accumulated by a user in a specific point earning server at a predetermined rate when requesting credit card cash service by adding points; And When the credit card cash service request signal of a specific user is input from the plurality of point earning servers or point earning and exchange servers, the cash service approval request is performed, and then the cash requested by the user is transferred to the bank account of the corresponding user. When the arrival of the bill and the bill of use and the specific portion of the user at the same time, the points earning server or points earning and exchange server, characterized in that it comprises a plurality of credit card company server billing the interest portion of the cash service used by the specific user Cash service system using cyber points. According to claim 1 or 3, The user requesting a credit card cash service to the plurality of points earning server or points earning and exchange server, A cash point system using cyber points, characterized in that credit card cash services can be requested using wired / wireless telephones. According to claim 1 or 3, wherein the plurality of point earning server or point earning and exchange server, If a business agreement with a plurality of credit card companies has not been executed, when a credit card cash service request signal of a user who has accumulated cyber points is input, a general purchase approval request is performed to the credit card company server, and the credit When the authorization is made from the card company server, the user transfers the cash requested by the user to the bank account of the user, and the cash service system using cyber points, characterized in that the credit card fee is deducted from the credit card company server. According to claim 3, The point earning and exchange server, In addition to cyber points earned by a plurality of point earning servers established by the plurality of terminal device users on the network communication network by establishing an alliance related to the point exchange with an off-line company, points earned on the offline are also at a preset ratio. A cash service system using cyber points, which is exchanged accordingly. The cash service according to claim 1 or 3, wherein the user of the terminal device uses the cash service. Cash point system using cyber points, characterized in that the user can use at a lower rate than the base rate according to the earned cyber points. (1) a process in which a plurality of terminal users perform member registration with a plurality of point earning servers, and accumulate cyber points according to the cost of e-commerce or services provided by the corresponding point earning server; (2) a process in which a terminal user requests a credit card cash service using cyber points provided by a point earning server; (3) Upon request of a credit card cash service using a cyber point of a terminal device user, a request is granted from a point earning server to a credit card company server, and cash is given to the user from a point earning server or a credit card company server according to the approval of the credit card company server. The process of providing a service; And (4) a cash service method using cyber points, comprising the step of performing a settlement of a cash service provided to a corresponding user in a credit card company server. The method of claim 8, wherein the process (1), (1-1) terminal device users performing a communication connection to a point earning server through a network communication network; (1-2) outputting form data for user authentication from the point earning server to the corresponding terminal device; (1-3) determining whether a corresponding terminal device user inputs authentication data according to the form data; (1-4) if the terminal device user inputs authentication data as a result of the determination of step (1-3), determining whether the member is a member in the point accumulation server; (1-5) if the terminal device user does not input authentication data as a result of the determination in step (1-3), determining whether the user selects new member registration; (1-6) when the user of the terminal device selects new member registration, outputting form data for member registration from the point earning server, and constructing new member registration data input by the user as a database; (1-7) determining whether the terminal device user who has accessed the point earning server performs an e-commerce or service for earning points; And (1-8) A method of cash service using cyber points, comprising the step of accumulating a predetermined cyber point in accordance with the cost of the electronic commerce or services performed by the user of the terminal device. The method of claim 8, wherein the process (2), (2-1) determining whether the user of the terminal device selects a credit card cash service menu using cyber points among a plurality of menus provided by the point earning server; (2-2) If the cash service menu is selected, the point earning server extracts the cyber points accumulated by the user from the database, and calculates the cash service amount data for each credit card company that can be used with no interest corresponding to the cyber points. step; (2-3) outputting, by the point earning server, the cyber points accumulated by the user, the cash service amount data available without interest, and the form data for the user to input credit card information to the corresponding terminal device; (2-4) determining whether the terminal user inputs credit card information of a card type, a card number, and a cash service request amount for receiving a cash service; And (2-5) A cash service method using cyber points, comprising the step of temporarily storing the credit card information input by the user of the terminal device in the point earning server. The method of claim 8, wherein the process (3), (3-1) determining whether a credit card company having a business agreement associated with cash service is set in the point earning server according to the credit card information input by the user; (3-2) in the case of a credit card company having a business agreement set up, performing a cash service approval request requested by the user of the terminal device from the point accumulation server to the corresponding credit card company server; (3-3) determining whether a cash service authorization is made by the credit card company server; (3-4) notifying the terminal user of the approval result when the cash service approval is performed from the credit card company server; (3-5) remitting the amount of cash service requested by the user from the credit card company to the user's bank account; (3-6) storing the cyber point and the cash service providing result data changed according to the user's use of the cash service in the point earning server in a database; (3-7) if the cash service approval is rejected as a result of the determination in step (3-3), receiving data related to the rejection from the credit card company server and notifying the corresponding terminal device user; (3-8) if the business agreement is not a credit card company set as a result of the determination in step (3-1), performing a general purchase approval request for a cash service requested by the user from the point accumulation server to the corresponding credit card company server; (3-9) determining whether a general purchase authorization is made by the credit card company server; (3-10) if the general purchase approval is performed from the credit card company server, notifying the terminal device user of the approval result; (3-11) remitting the cash service amount requested by the user from the point earning server to the user's bank account; (3-12) paying the payment amount deducted a predetermined fee from the credit card company to the point earning server, and performing the step (3-6); And (3-13) if the general purchase approval is rejected as a result of the determination in step (3-9), receiving the data related to the rejection from the credit card company server and notifying the corresponding terminal device user; Cash service method using cyber points. The method of claim 8, wherein the process (4), (4-1) determining whether a billing date corresponding to the user's credit card payment arrives at the credit card company server; (4-2) extracting usage history used by the corresponding user when the credit card billing date arrives; (4-3) determining whether there is a history of using the cash service through the point accumulation server in which the business agreement is set among the extracted user's usage history; (4-4) if there is a history of using the cash service through the point earning server set up a business agreement, the principal is to perform a task for billing the user and interest to the point earning server; (4-5) performing a task for claiming general usage history when there is no history of using a cash service through a point earning server in which a business agreement is set; And (4-6) A cash service method using a cyber point, comprising the step of sending a bill of use and paying a bill to a credit card user and a point earning server.