KR20020090979A - Web server for suppling stock investment game and service method thereof - Google Patents

Abstract

PURPOSE: A web server device for providing a stock investment game and a service method thereof are provided to offer the money to a prize-winner of a game contest by accumulating the money paid by the members as a prize money. CONSTITUTION: A network communication part(240) communicates a packet with the clients. A storing device(230) stores a member management database(231), a stock account database(232), a gamer database(233), a prize-winner database(234), a homepage database(235), a bulletin database(236) and a contracted stock company database(237). A program storing device(220) stores a log on/off processing module(221), a game request processing module(222), an individual profit ratio game processing module(223), a fund manager selecting game processing module(224), and a fund profit ratio game processing module(225). A CPU(200) executes the software modules stored in the program storing part, processes the packet of the network communication part, and reads and updates the information of the databases.

Description

Web server device that provides stock investment game and its service method {WEB SERVER FOR SUPPLING STOCK INVESTMENT GAME AND SERVICE METHOD THEREOF}

The present invention relates to an online game device and method, and more particularly, to a web server device for providing a stock investment game and a service method thereof.

The Internet is an open network that can be freely connected to other computers that want to connect anywhere in the world using a common protocol called TCP / IP (Transmission Control Protocol / internet Protocol). With the development, it is used for the delivery of multimedia information. As the use of the Internet is rapidly increasing in Korea and around the world, the importance of the Internet is rapidly increasing as a strategic tool for improving efficiency and productivity in all parts of the existing business, and new business opportunities are continuously created through the Internet. As the market is expanding, the number of operators using the Internet is increasing. As part of the business through the Internet, sites that provide various contents such as Internet advertisements, Internet broadcasting, online games, Internet newspapers / magazines, search services, portal services, e-commerce, cyber stock trading, etc. are rapidly increasing.

For example, in the securities sector, securities trading over the Internet is rapidly growing. In other words, due to the spread of the Internet, the securities trading of individual investors is activated, and the demand for securities information for the competitive enhancement of individual investors in the stock market is increasing. Due to the increased demand for securities information, information providing sites that provide securities information using the Internet are rapidly increasing.

That is, a number of Internet websites operated by securities companies or providing information services provide stock-related information. Thus, an individual investor may visit stock exchanges or securities companies directly or obtain stock information via telephone, newspaper, TV or the Internet. That is, general private equity investors generally invest stocks through securities companies based on the stock information obtained.

However, conventional stock information provides only current numerical information, which imposes a burden on each user to judge the share price trend or future share price change, especially for an individual investor who has no experience. However, there is a problem that there is a risk of investment because there is no objective comparison and judgment of the current stock price. As a result, private equity investors lack sufficient knowledge and experience in investing and are unable to properly select stocks and sell them.

As another example, an indirect investment method may be used to join a fund recommended by a securities firm, but it simply delegates a certain amount to the securities firm for a certain period of time and receives dividends. I can't. Thus, if there is not enough knowledge and experience in stock investment, you will also doubt about investing in fund managers.

As evidenced by various simulation games, there are many individual investors who can outperform securities fund managers. However, individual investors often face limitations because they can make more money because the amount they can invest is not very large. If the public invests in a reliable individual investor and invests the stock with the amount invested by the individual investor, both the individual investor and the public can be satisfactory. In addition, if there is a plan to be compensated to some extent, it will be a way for individual investors to make a more stable investment.

In addition, in the case of a real stock investment game, a minimum investment amount (a securities account of more than 3 million won) is required, so individual investors who have insufficient funds cannot participate in the game, but the game period is long (3 months, etc.). Most of them lose their motivation and give up the game during the investment game.

On the other hand, in recent years, novice investors frequently lose money by trusting unvalidated cyber analysts on securities sites.

In order to solve the above problems, an object of the present invention is to provide an apparatus and method for supporting a website that accumulates the amount paid by the members to the prize winners in the game competition. have.

It is another object of the present invention to provide an apparatus and method for supporting a website that accumulates the amount paid by the members insured and pays to the participants who have a predetermined loss in the game competition.

It is still another object of the present invention to provide an apparatus and method for supporting a web site in which an amount paid by a member as a nominal fund is invested by a corresponding fund manager designated by each member.

Another object of the present invention is a website for requesting the actual trading data of game participants to the server of the securities company, comparing the returns based on the received trading data of the participants, and paying prizes to the participants corresponding to the predetermined high returns It is to provide an apparatus and method for supporting the.

It is still another object of the present invention that a fund manager selected by a predetermined criterion makes a stock investment for a predetermined period of time with the sum of nominations paid by a predetermined member, and the sum of the profits and nominations generated from the stock investment and the fund manager. An apparatus and method for supporting a website that is distributed to members is provided.

The service method of the web server for providing a stock investment game according to the present invention for achieving the above objects, the first amount, the second amount, the third amount in the cyber money stored in the cyber account according to the member's input Registration in the game participant database, and the game participant members registered in the game participant database perform a real investment during the period of individual return game competition, calculate and display a rate of return based on transaction data generated by the real investment. And calculating final yields of the game participating members at the end of the personal rate game competition, selecting the top rankers and lost members having a loss above a predetermined rate based on the yields, and participating in the game. Read the total prize money summed up the first amount of the members, and the Calculating the amount of prize money to be paid to each of the rankers by allocating the total amount of money according to the ratio of the first amount of each ranker to the sum of the amounts of 1 amount, and adding the second amounts of the game participation members. Calculating an insurance premium to be paid to each of the lost members by reading an insurance premium and allocating the total insurance premium according to a ratio of the second amount of each lost member to the sum of the second amounts of the lost members; Determining the members selected by the predetermined game and the members who are qualified as permanent fund managers by the predetermined criteria as the fund managers to participate in the fund yield game, and the requests of the members registered in the game registration database for the predetermined period. Accordingly assigning the third amount to at least one fund manager, and assigning each of the fund managers. Converting the amount into cash, transferring the cash from the bank account operated by the web server to the securities account of the corresponding fund manager, and increasing the investment of the fund managers; Investing, calculating and displaying the yield based on the transaction data generated by the actual investment, and when the negative yield exceeds a certain rate, the activity of the fund manager is stopped, and the remaining investment is based on the investment rate. Calculating the amount to be paid to the investment managers by distributing the fund manager and the fund managers to the nominated members, and at the end of the competition, the investment and proceeds to the fund managers and the nominees who designated the nominations. To calculate the amount to be paid to the relevant investment members. It is characterized by including.

Preferably, a process of classifying the permanent managers and the fund managers who have achieved a profit among the fund managers participating in the fund yield game, and checks whether the accumulated negative return value exceeds the predetermined value for each of the permanent fund managers. If the predetermined value is exceeded, the process of disqualifying the permanent fund manager, and whether each of the fund managers who have achieved the profit, have achieved a prescribed number of consecutive times or more, and the rate of return over the prescribed number of consecutive times is determined. If it achieves it is determined as a permanent fund manager, otherwise characterized in that it further comprises the process of qualifying to participate in the manager selection game.

Preferably, after the fund managers are determined, a process of displaying a message requesting participation in a betting game for a predetermined time and a bet amount and a bet target fund input by the member for each of the members participating in the betting game for the predetermined time A process of matching a manager to a database, checking whether the fund yield game competition ends, reading the information of the members betting on the fund manager who achieved the highest yield at the end of the competition from the database; And calculating a dividend to be distributed to each of the members based on the bets of the members, and accumulating the calculated dividend in the cyber account of the corresponding member.

1 is a diagram showing a network configuration according to the present invention.

FIG. 2 shows a more specific configuration of a server in the configuration of FIG. 1. FIG.

3 is a diagram illustrating an overall control procedure of a server according to an embodiment of the present invention.

Fig. 4 is a diagram showing the detailed procedure of the logon routine explained in Fig. 3;

5 is a diagram showing a detailed procedure of the game participation application routine described in FIG.

6 is a diagram showing a detailed procedure of the personal rate game routine described in FIG.

FIG. 7 is a diagram showing a detailed procedure of the prize payout routine explained in FIG. 6; FIG.

FIG. 8 is a diagram showing a detailed procedure of the insurance payout routine explained in FIG. 6; FIG.

FIG. 9 is a diagram showing the detailed procedure of the manager selection game routine explained in FIG.

FIG. 10 is a diagram showing a detailed procedure of the batting game routine explained in FIG. 9; FIG.

FIG. 11 is a diagram showing a detailed procedure of the fund yield game routine explained in FIG.

FIG. 12 is a diagram showing a detailed procedure of a prohibited name routing routine described in FIG. 11; FIG.

Fig. 13 shows a detailed procedure for the direct deposit routine.

14 is a diagram showing a detailed procedure of the bulletin board operating routine described in FIG.

FIG. 15 is a diagram showing the detailed procedure of the chat room operation routine described in FIG.

16 shows an example of a main page of a website according to the present invention.

17 is a view showing a storage form of securities account data.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

The present invention described below relates to the implementation of a website that provides a cyber stock investment game.

In brief, the members who join the website and participate in the game pay the game registration fee, and the registered registration fee is converted into cyber money and stored in the member's cyber account. In addition, the member stores the prize money, insurance money, nomination money in the cyber money corresponding to the registration fee according to the site request. The prize money and insurance money will be paid to the website when participating in the individual rate of return game, the nomination will be paid when participating in the fund rate game. Therefore, the prize money, insurance money, nomination money is initialized at the game participation.

When participating in a personal rate of return game, members make a real investment with their own securities account for a certain period of time, and the website calculates the rate of return by monitoring the member's transactions with the securities company server in a predetermined period or in real time. do. Then, at the end of the game, the website distributes the sum of the prizes paid by the members to the game participation fee and pays it to the members corresponding to the predetermined high profit rates, and distributes the sum of the insurance premiums paid by the members to the game participation cost and loses more than the predetermined rate. Payments are made to members incurred (bank transfer or cyber account accumulation).

On the other hand, the website determines the members who have won the individual return game, the members who receive high-quality referrals by registering high-quality information on the bulletin board, and the members who generate the profit from the previous fund return game as the participants of the manager selection game. The participants make a real investment in the same manner as the above-mentioned personal rate of return game, and the website calculates the rate of return by monitoring the transaction details of the participants in a predetermined period or in real time. At the end of the game, the website determines the participants corresponding to the predetermined high returns as the fund manager of the fund yield game.

As described above, when fund managers are selected, the website posts selected fund managers (including permanent fund managers) on a web page so that members can nominate a predetermined number of fund managers. When each member nominates the desired fund manager, the website increases the sum of the nominations paid by the members who nominate the particular fund manager to the investment of that particular fund manager. Thereafter, the specific fund manager makes a real investment through the securities account provided on the website with the investment (or the increased investment principal + own investment principal). At the end of the game, the website distributes the generated profits and investments and pays the specific fund manager and the designated members of the fund manager.

On the other hand, the website grants the fund managers who have earned more than the specified consecutive returns among the profit managers who have earned profits to be permanent fund managers who can participate in the fund yield game immediately without participating in the manager selection game, and the rest of the fund managers. They are entitled to participate in the manager selection game. Here, the permanent fund manager qualification is lost when the negative return value exceeds a predetermined value (30%). In addition, before the game, the members bet on fund managers, and the website pays dividends to members who successfully bet after the game ends.

Looking at the system configuration and processing operations based on the above content is as follows.

1 shows a network configuration according to the present invention.

As shown, the network according to the present invention includes a plurality of clients 21, 22,... 2N, a server 11, a financial term server 41, and a plurality of securities firm servers 31, 32. , .., 3N). Here, the client uses a personal computer (PC) capable of internet access. As another example, it may be a portable terminal such as a cellular phone, a personal data assistant (PDA), a notebook computer, or the like.

Referring to FIG. 1, first, the server 11 provides a web site for a stock investment game according to the present invention. As a representative function, the website requests game participants 'actual transaction data to the securities company's server, compares the returns based on the received participants' transaction data, and pays the prizes to the participants corresponding to the predetermined higher returns. Perform the function. In addition, the website accumulates the sum of the nominations paid by the members as the investment of the fund manager designated by the members, and thereafter, the specific fund manager has the actual capital with the investment (or the increased investment + own investment capital). It performs the function of distributing the profit generated by the investment to the fund manager and the members. The detailed configuration and operation of the server 11 will be described later in detail.

The plurality of clients 21, 22, .., 2N have a dedicated emulator or a web browser installed to perform cyber securities transactions through the network communication network 51, and execute a dedicated emulator or a web browser. Connect to a securities company and conduct cyber securities transactions. In addition, after connecting to the server 11 according to the present invention performs a cyber stock investment game. In this process, when the user inputs (clicks) a button (or area) displayed on the website displayed on the monitor, the client generates a message according to the input and transmits the message to the server 11, and in addition to the message In response, the web page received from the server 11 is displayed on the monitor.

The financial period server 41 provides an online banking service on the server 11. For example, the server 41 may request the details of deposit and withdrawal of a specific account to the financial term server 41 and request a transfer to another financial term account. In addition, when the member connected to the server 41 performs online banking through the online banking window posted on the page, the member's input (account transfer, etc.) is processed.

Servers 31, 32, ... 3M of securities firms receive trading orders of members and send them to the stock exchange computer system (not shown), and receive and store the trading results from the stock exchange computer system. . In addition, according to the present invention, when the account data (and transaction data) of the specific member request from the server 11, the account data of the member is transmitted to the server (11).

FIG. 2 shows a more specific configuration of the server 11 in the configuration of FIG. 1.

As shown, the server 11 includes a control unit (CPU) 200, a ROM 210, a RAM 220, an external storage device 230, a UDP communication unit 240, an input interface 250, and an output interface. 260 and various external devices 251, 252, 261, 262.

Referring to FIG. 2, first, the controller 200 controls the overall operation of the server 11. The ROM 210 stores a fixed program or a fixed parameter used by the controller 200. The RAM 220 stores various programs executed by the controller 200 and temporary data generated during program execution. In detail, the RAM 220 is a logon processing module 221 for performing the registration, modification and deletion of the member and the authentication process at the time of logon of the member, prize money, insurance, Game application processing module 222 for dividing and storing the nomination, personal return game processing module 223 for paying the prizes and insurance benefits according to the returns earned by members through actual investment for a predetermined period of time, the predetermined qualification The manager selection game processing module 224 for selecting a predetermined number of fund managers among the equipped members, and the fund yield game processing module 225 for allocating the profits obtained through the actual investment by the managers to the investors for a predetermined period of time. , Bulletin board operation module 226 for operating the bulletin board according to the input signal of the member, chat room operation module (227) for operating the chat room according to the member's input signal, other Additive modules (modules for deposit settlement (mobile phone settlement, credit card settlement), modules for online banking, modules for normalizing the account data of different securities companies in one format, and stock trading by accessing the stock exchange computer system) Module for performing the operation, etc.) in the program area.

The external storage device 230 is a mass storage device, and includes a hard disk, a floppy disk, a CD_ROM, a DVD, and the like. The external storage device 230 is a member management database 231 for managing various member information, a stock account database for managing members' stock account data 232, a game participant database for storing information of various game participants 233 A payment target database 234 for storing information of members who will receive payments generated through the game, a homepage database 235 for storing web pages (eg, HTML documents) provided by the server 11; A bulletin board database 236 for storing contents registered in a bulletin board, a contract brokerage company database 237 for storing information of contract brokerage firms, and the like.

Here, the member management database 231 is a member's ID, password, name, age, gender, social security number, date of birth, job, email, address, cyber account information for storing cyber money, real name securities account information (XX securities company, account number, ID, password), bank account information, the history obtained through participation in the game (returns, winnings information, insurance receipt information, permanent fund manager qualification, etc.) for each game is stored. . Here, the securities account number is linked with the securities account data of the securities account database 232, and when the member selects (clicks) the account number posted on the web page, the securities account data corresponding to the account number is displayed. It is read from the database 232 and displayed on the screen. The securities account database 232 stores a member ID and password, a securities company ID and password, cash balance, investment principal, yield, transaction records (transaction data), etc., corresponding to one account as shown in FIG. 17. have. The game participant database 232 is basically the information (ID, name, stock account information, game participation fee information (prize, insurance, nomination), etc.) of the members who performed the game registration, the manager selection game selected from the members Information about the participants of the competition, the fund return game competition participants selected in the manager selection game competition, information on the participants participating in the betting game (ID, information of the bet fund manager, bets). The payment target database 234 stores the information (id, amount to be paid) of the prize money and insurance recipients generated in the game yield game competition, the information on the payment recipients generated in the fund yield game competition, the information of the dividend recipients generated in the betting game have.

The network communication unit 240 includes a protocol processing module (which includes a software module and a hardware module) for communicating in a TCP / IP protocol and / or a UDP protocol. For example, the network communication unit 240 includes a physical layer corresponding to a modem and a TCP / IP layer and / or a UDP layer corresponding to an upper protocol layer. That is, the network communication unit 240 performs a function of processing the packet received through the Internet to extract the information message and provide it to the control unit 200. In addition, the information message from the controller 200 is made into a packet according to a predetermined protocol layer, and the packet is transmitted to a corresponding destination (IP address) through the Internet.

The input interface 250 is a data input means, and a mouse 251, a keyboard 252, and the like, which are pointing devices, are connected to the input interface 250. The output interface 260 is various data output means, and is connected to a display portion 261 such as a CRT, LCD, a printer 262 for outputting a hard copy, or the like.

Hereinafter, the operation of the server 11 according to an embodiment of the present invention will be described in detail. In the following description of the algorithm, the main subject of the operation will be described as a control unit (CPU) for convenience of explanation. However, the control unit (CPU) operates by driving various software modules mounted in the ROM, RAM, and the like described above. It is obvious in the art that this is done.

3 shows an overall control procedure of the server 11 according to an embodiment of the present invention.

Referring to FIG. 3, first, the control unit 200 of the server 11 initializes variables required for program execution and defines constants in step 301. The controller 200 generates a socket for receiving a TCP / IP packet (and a UDP packet) in step 303, and determines whether the socket generation is successful in step 305. Here, generating the socket means driving the network communication unit 240. If the creation of the socket fails, the control unit 200 proceeds to step 345 to close the socket, close the database, and delete the received packet stored in the receive queue.

Otherwise, if creation of the socket is successful, the controller 200 proceeds to step 307 to open the databases and obtain a local IP address for communication. In step 309, the controller 200 checks whether the database has been opened successfully. In other words, it checks whether the database access is performed correctly. If the database fails to open, the controller 200 proceeds to step 345. If the database opens successfully, the controller 200 proceeds to steps 311 and 331 to check packet reception. At the same time, check the timer (time).

That is, the controller 200 checks whether the packet received in step 311 exists. If there is a received UDP packet, the control unit 200 proceeds to step 313, and otherwise returns to steps 311 and 331 to check the packet reception and timer. Upon receiving a packet, the control unit 200 extracts an information message from the received packet in step 313, and confirms a type of the received message by checking a command type.

In operation 315, the controller 200 determines whether the received message is a "logon" message. This logon message is a message sent from the client to the server when the member clicks the 'logon button' displayed on the web page. If it is a logon message, the controller 200 proceeds to step 323 to perform a logon routine (subroutine), and if not a logon message, proceeds to step 317 to determine whether it is a game participation message. This game participation message is a message sent from the client to the server when the member clicks the game participation button displayed on the web page. If the game participation message, the control unit 200 proceeds to step 325 to perform a game participation application routine, otherwise proceeds to step 319 to determine whether the message board selection message. This bulletin board selection message is a message sent from the client to the server when the member clicks on the bulletin board displayed on the web page. If the message is a bulletin board selection message, the controller 200 proceeds to step 327 and performs a bulletin board operating routine, and if it is not a bulletin board selection message, the controller 200 checks whether a chat room selection message is present. This chat room selection message is a message sent from the client to the server when the member clicks on the 'chat room join button' posted on the web page. If the chat room selection message is selected, the controller 200 proceeds to step 329 to perform a chat room operation routine. If the chat room selection message is not, the controller 200 returns to steps 311 and 331 to continuously check packet reception and a timer.

Meanwhile, at the same time as checking the received packet, the controller 200 checks the timer (time) in step 331. In operation 333, the controller 200 checks whether the current time is the personal yield game start time. If, at the start time of the individual return game, the control unit 200 proceeds to step 339 to perform a personal return game routine, otherwise proceeds to step 335 to check whether the manager selection game start time. If the manager selection game start time date and time, the control unit 200 proceeds to step 341 to perform the manager selection game routine, otherwise proceeds to step 337 to check whether the fund yield game start time. If the fund yield game start time, the control unit 200 proceeds to step 343 to perform the fund yield game routine. Otherwise, the control unit 200 returns to steps 311 and 331 for packet reception and timer check.

On the other hand, Figure 3 described above is for representing the operation of the present invention in time series. However, since the server 11 is actually operated in a multi-tasking manner, the packet reception check and the timer check are always performed in parallel while each subroutine is executed, and thus, the other during the execution of one subroutine. Subroutines can be run. The above-mentioned subroutines (logon routine, game participation application routine, bulletin board operation routine, chat room operation routine, personal return game routine, manager selection game routine, fund return game routine) will be described in detail later.

FIG. 4 shows a detailed procedure of the logon routine (step 323) described with reference to FIG.

Referring to FIG. 4, when the log-on message is received, the controller 200 extracts an ID and password input by the member from the logon message in step 401. In step 403, the controller 200 searches for a member management database using the extracted ID and password, and checks whether a member having the same ID and password exists in step 405. If there is a member with the same ID and password, the controller 200 proceeds to step 407 to perform a logon process. That is, services that are only available to members are made available to the logged on member.

In operation 409, the controller 200 displays a logon success message on the web page. This describes an operation in which a user computer downloads a web document (eg, HTML, HTM) corresponding to the web page from the server 11 and displays it on a monitor using a web browser. In step 411, the controller 200 searches for the member information of the logged-on member and checks whether there is a security account. If the securities account exists, the control unit 200 proceeds to step 413 and requests the account data of the member to the server of the securities company, and in step 415 whether the account data of the logged on member is received from the server of the securities company. Check it. Upon reception of the account data, the controller 200 stores the received account data in a database (securities account database) in step 417 and returns to steps 311 and 331 of FIG. 3. On the other hand, if there is no securities account, the process proceeds to step 419, and displays the request message for opening the securities account on the web page, and returns to steps 311 and 331 of FIG.

If it is determined in step 405 that the user is not a member, the control unit 200 proceeds to step 421 to display a member registration request message on a web page, and checks whether a member registration button is input by the member in step 423. In other words, it is checked whether a predetermined message by a button click (or a predetermined area click) of a member (client) is received. If it is determined that the member registration button is input, the controller 200 proceeds to step 425 to perform a member registration process. If there is no input for a predetermined time, the controller 200 returns to steps 311 and 331 of FIG. Here, the membership registration process, for example, displays a predetermined agreement, and displays a web page for the member to enter the member information when the user agrees to the agreement button, the member inputs the various information and then the input when completing the input button By registering the registered member information in the member management database.

FIG. 5 illustrates a detailed procedure of the game participation application routine 325 described with reference to FIG. 3.

Referring to FIG. 5, when the game participation message is received, the controller 200 checks whether the member (or client) that has transmitted the game participation message is logged on in operation 501. If the user is not logged on, the controller 200 proceeds to step 533 and displays the logon request message on the web page, and returns to steps 311 and 331 of FIG. 3. If the user is logged on, the controller 200 proceeds to step 503 to search for a database (member management database) and checks whether cyber money exists in the cyber account in step 505.

If the cyber money exists in the cyber account, the control unit 200 proceeds to step 542 and displays a message asking whether to charge the cyber money on a web page, and checks whether the cyber money charging is selected by the member in step 543. When the cyber money charging is selected, the control unit 200 proceeds to step 545 and displays a deposit window (or payment window) for inputting an amount of money, otherwise proceeds directly to step 515. On the other hand, after displaying the deposit window, the control unit 200 checks whether the deposit is completed in step 547. When the deposit is completed, the control unit 200 proceeds to step 549 to convert the deposit amount into cyber money and accumulates it, and then displays the last accumulated cyber money on the web page and proceeds to step 515. For example, the payment method may use electronic payment, mobile phone payment, credit card payment, online banking and the like.

On the other hand, if it is determined in step 505 that no cyber money exists, the controller 200 proceeds to step 507 and checks the registration fee entered by the member as the game participation fee from the database. In step 509, the control unit 200 accesses the financial period server to request deposit and withdrawal details of the corresponding account, and in step 511, the controller 200 searches for the deposit and withdrawal details and checks whether the registration fee has been deposited. If the registration fee has not been deposited, the controller 200 proceeds to step 535 and displays a deposit request message on a web page. In step 537, the controller 200 checks whether an immediate deposit is selected by the member. If the instant deposit is selected, the controller 200 displays a deposit window (or payment window) in step 539 and checks whether the deposit is completed in step 541. When the deposit is completed, the control unit 200 proceeds to step 513 and converts to the deposited amount (registration fee) cyber money to be deposited, and displays the accumulated cyber money on a web page and proceeds to step 515.

In this case, the controller 200 displays the cyber money division request message on the web page in step 515. In operation 517, the controller 200 determines whether an insurance premium to be divided from the cyber money is input. If the insurance money is input, the control unit 200 divides the cyber money into the insurance money and stores the insurance money and the remaining cyber money stored in the web page in step 519. In operation 521, the controller 200 checks whether a prize to be divided from the remaining cyber money is input. If the prize money is input, the controller 200 divides the remaining amount of money from the remaining cyber money into the prize money in step 523 and displays the stored prize money and the remaining cyber money on a web page. In operation 525, the control unit 200 checks whether a designated money to divide from the remaining cyber money is input. If the nomination money is input, the control unit 200 divides the remaining amount of money from the remaining cyber money by the input amount and stores it as the nominal money, and displays the stored prize money and the remaining cyber money on the web page. After the registration fee is divided as described above, the controller 200 stores the insurance money, the prize money, the nomination money, and the remaining cyber money in a cyber account in step 529, and the game registration data of the member (step 531). Insurance money, prize money, nomination information) is registered in the game participant database and returns to step 311 and step 331 of FIG.

FIG. 6 shows the detailed procedure of the personal rate game routine (step 339) described in FIG.

Referring to FIG. 6, when the personal yield rate game start time is reached, the controller 200 displays information on members participating in this round game on the main webpage in step 601. Here, the displayed content may be an investor name (ID, name), yield. Here, the link is configured to display the detailed transaction details of the member when selecting (clicking) a specific member. In step 603, the controller 200 determines whether it is time to request transaction data from a securities company. If it is not the request time, the controller 200 proceeds to step 613. Otherwise, if it is the requested time, the controller 200 proceeds to step 605 to request transaction data from the server of the securities company for the participants. . The controller 200 checks whether transaction data is received in step 607. For example, a transaction data request can be made on a daily basis and requested at the end of the chapter. As another example, a server of a securities company may automatically provide the server 11 whenever a transaction is made.

When the transaction data is received from the server of the securities company, the controller 200 updates the received transaction data to the securities data of the corresponding member (609). The controller 200 calculates a yield rate using the updated contents and displays the calculated yield rate on the main page. Here, the rate of return accepts only two decimal places and the rest is cut off. Thereafter, the control unit 200 checks whether the end time of the personal rate game is reached in step 613. In the present invention, it is assumed that the individual rate of return game is executed every two weeks. If it is not the end time, the controller 200 returns to step 603 to check whether the transaction data request time is reached. If the end time and date, the control unit 200 proceeds to step 615 to compare the return rate of the participants to select a predetermined winners and to store in the payment target database. Here, the prize winners (prize payees) are assumed to be in the 1st to 3rd ranks. In operation 617, the controller 200 selects an insurance payment target person based on the rate of return of the participants and stores it in the payment target database. In this case, the beneficiary is assumed to be the participant who lost more than 30%. Thereafter, the control unit 200 performs the 'prize payment routine' in step 619, and performs the 'insurance payment routine' in step 621, and returns to steps 311 and 331 of FIG. Looking at the prize payment routine and the insurance payment routine in detail as follows.

FIG. 7 shows a detailed procedure of the prize payout routine (step 619) described with reference to FIG.

Referring to FIG. 7, first, in step 701, the controller 200 reads the prize payee data from the payee database, and in step 703, the total prize money (cumulative prize) and the prize payees (winners) are accumulated. Read the winnings. In operation 705, the controller 200 allocates the total prize money according to a predetermined rule and stores the total prize money as the prize money of the corresponding winner. For example, assuming that the total prize money that can be paid is 10 million won, and that there are three winners who will pay the prize, first, the prize money paid by the winners (A: 20,000 won, B: 30,000 won, C: 50,000) Sum) The total amount of the prize money paid by both of them is 100,000 won, and A accounts for 20% of the total amount of prize money paid by three people (100,000), so A is equivalent to 20% of the total amount of 10 million won. You can receive 2 million won in prize money.

After calculating and storing the prize money as described above, the controller 200 accumulates the difference after the distribution of the prize money in step 707 as the prize money of the next game. For example, when calculating the prize money, less than 10,000 won will be cut off, and the difference will be accumulated as the prize money of the next game. In operation 709, the controller 200 checks whether each of the winners has received an insurance money. If the claim has not been received, the control unit 200 immediately proceeds to step 719 and, if there is a claim received, the control unit 200 receives a reward after receiving the insurance money for the member in step 711. Check for any If the prize money has been received after receiving the insurance money, the controller 200 immediately proceeds to step 719. Otherwise, the controller 200 proceeds to step 713. The controller 200 reads the payment ratios of the insurance claims received in step 713, and selects the highest payment ratio among the read payment ratios in step 715. In operation 717, the controller 200 divides the amount corresponding to the highest payment ratio from the calculated prize money and carries it over to the insurance premium of the next game and stores it.

In operation 719, the controller 200 checks whether the calculated prize money exceeds 1000% of the investment principal. Here, the investment principal is calculated as cash and oil price balance held in the securities account at the start of the game, and the oil price balance is calculated as the closing price (the final price at the close of closing) on the day before the game starts. If the calculated prize money exceeds 1000% of the investment principal, the control unit 200 proceeds to step 727 and stores 1000% of the investment principal as a prize payment amount, and the stored prize payment amount in step 729. 10% of the money will be saved as "accumulation". In operation 731, the controller 200 stores the audited amount of the money stored as the prize accumulation amount as the final prize to be received by the member in operation 731, and the investment principal in the calculated prize money in operation 733. The amount audited for 1000% of the amount will be carried over to the next game and proceeded to step 725.

On the other hand, if it is determined in step 719 that the calculated prize money does not exceed 1000% of the investment principal, the controller 200 stores 10% of the calculated prize money in the accumulated money in step 721, and in step 723. In step 725 after storing the limited amount of money stored as the prize accumulation amount in the calculated prize money as the final prize money to be received by the member. The control unit 200 returns to step 621 of FIG. 6 after performing the account deposit routine in step 725. The description of the direct deposit routine will be described in detail later with reference to FIG. 13.

FIG. 8 shows a detailed procedure of the insurance payment routine (step 621) described with reference to FIG.

Referring to FIG. 8, first, the control unit 200 reads the insurance payment subject data from the payment subject database in step 801, and the total insurance amount (cumulative insurance amount) currently accumulated in step 803 and the insurance money paid by the insurance payment subjects. Read them out. In operation 805, the control unit 200 allocates the total insurance amount according to a predetermined rule and stores each of the total insurance amount as the insurance amount of the corresponding insurance payment target. Here, the insurance money for each insurance payment subject is calculated in the same manner as the above-mentioned prize distribution method. Thereafter, the controller 200 carries forward the remaining balance after the distribution of insurance money in step 807 as the total insurance money of the next game. In operation 809, the controller 200 notifies each recipient of receipt of the insurance money. For example, a web page may be notified by using a pop-up window or by e-mail to each recipient.

In step 811, the controller 200 checks whether an insurance receipt is approved by an arbitrary payment target. For example, it is determined that an insurance claim is received when a member clicks the claim payment button by providing an insurance claim receiving button and a rejection button on the pop-up window and the contents of the email. If the reject button is input, the control unit 200 accumulates the insurance money to be paid to the member who inputs the button in step 823 in the 'total insurance money' of the next game, and then proceeds to step 821.

If the insurance claim button is input, the control unit 200 proceeds to step 813 and checks whether the calculated insurance claim exceeds 50% of the loss amount. If the calculated insurance premium does not exceed 50% of the lost amount, the process proceeds to step 819, and if it exceeds, proceeds to step 815. The control unit 200 stores 50% of the loss amount as an insurance payment amount in step 815, and accumulates the amount obtained by subtracting the insurance payment amount from the calculated insurance amount in step 817 to the total insurance money for the next game. . In addition, the control unit 200 performs an account deposit routine in step 819, and checks whether insurance payment is completed in step 821. The description of the direct deposit routine will be described later in detail with reference to FIG. If the insurance payment is not completed, the controller 200 returns to step 811 to check the selection of another member for receipt of the insurance, and if the insurance payment is completed, the controller 200 returns the Returning to steps 311 and 331 of FIG.

FIG. 9 shows the detailed procedure of the manager selection game routine (step 341) described with reference to FIG.

Referring to FIG. 9, when the manager selection game start time is reached, the control unit 200 reads information on the winners who have won the personal rate game for a predetermined period (for example, 3 months) in step 901 from the database. In step 903, information about members entitled to participate in the fund yield game is read from the database. For example, a member who has a high number of referrals on the board and a member who has made a profit in the previous fund yield game are entitled to participate in the fund yield game. Hereinafter, the winners and the members entitled to the participation will be called candidates. In operation 905, the controller 200 reads the candidates' information (payment prize money, insurance money, nomination information, etc.) from the game participant database, and in step 907, the candidates are read based on the information of the read members. Select and save a certain number of participants to participate in the manager selection game. Selection criteria may be set in the order of insurance payment amount, for example.

In operation 908, the controller 200 notifies the selected participants that they have obtained the qualification to participate in the manager selection game. For example, a web page may be notified by using a pop-up window or by e-mail to each recipient. In operation 909, the controller 200 checks whether a game participation is approved by any participant. For example, the popup window and the contents of the email are provided with a participation approval button to determine that the member participates in the game when the member clicks the entry approval button. When the participation approval button is input, the control unit 200 proceeds to step 911 and requests the securities account data of the participant who entered the participation approval button to the server of the securities company, and in step 913 the server from the server of the securities company. Check if securities account data is received. Upon receiving the stock account data, the controller 200 updates the received stock account data to the stock account database in step 915.

In operation 917, the control unit 200 checks whether a predetermined period of time waiting for approval of the participants has expired. If the predetermined period has not expired, the control unit 200 returns to step 909 to check whether a participation approval button is input, and when the predetermined period expires, the control unit 200 proceeds to step 919 to select a manager. Check if it is time to start the game. The controller 200 reads information on game participants who have approved to participate in the database from the database and displays the information on the web page in step 921. In step 923, the controller 200 checks whether it is time to request transaction data from the securities companies. If it is not the request time, the control unit 200 proceeds to step 933, and if the request time, the control unit 200 requests transaction data to the securities companies in step 925, and the transaction data received in step 927 Update to the account database. For example, a transaction data request can be made on a daily basis and requested at the end of the chapter. As another example, whenever a transaction is made in a securities firm server, it may be automatically provided to the server 11.

In operation 931, the controller 200 calculates a rate of return using the updated contents and displays the calculated rate of return on a web page. Here, the rate of return accepts only two decimal places and the rest is cut off. In step 935, the control unit 200 checks whether the competition end time of the manager selection game is reached. If it is not the end time of the competition, the control unit 200 returns to step 923 to check whether the transaction data request time is reached. In step 935, the control unit 200 selects predetermined winners by comparing the return rates of the participants, and grants a prize manager qualification to the winners. Thereafter, the control unit 200 performs the batting game routine in step 937 and returns to steps 311 and 331 of FIG. 3. The batting game routine will be described in detail with reference to FIG. 10.

FIG. 10 illustrates a detailed procedure of the betting game routine 937 described with reference to FIG. 9.

Referring to FIG. 10, first, in step 1001, the controller 200 announces the content and duration of the betting game through a pop-up window or publishes (displays) a predetermined area using a banner or the like on the main page. The controller 200 checks whether there is a member participating in the betting game in step 1003. For example, it is determined to participate in the betting game when the member clicks the participation button by providing a participation button in the pop-up window and the main page content. This inspection is performed for a predetermined period of time. If the participation button for betting game is input, the controller 200 checks whether the member who clicked the participation button is logged on in step 1005. If the log-off state, the controller 200 proceeds to step 1027 and displays a logon request message on a web page, and returns to steps 311 and 331 of FIG. 3. If the user is logged on, the controller 200 proceeds to step 1007 and moves to a web page introducing the betting game (displays). At this time, the cyber money accumulated in the member's cyber account is also displayed, and if there is no cyber money, a message requesting the charging of the cyber money is also displayed.

Meanwhile, at the same time as displaying the web page, the controller 200 checks whether the cyber money exists by searching the member's cyber account in step 1009. If the cyber money exists, the controller 200 proceeds to step 1019. If the cyber money does not exist, the controller 200 checks whether the 'cyber money charging' is selected by the member in step 1011. When the cyber money charging is selected, the controller 200 displays a deposit window (or a payment window) for inputting an amount in step 1013, and checks whether the deposit is completed in step 1015. When the deposit is completed, the control unit 200 proceeds to step 1017 to convert the deposit amount into cyber money and accumulates it, and then displays the last accumulated cyber money on the web page and proceeds to step 1019. For example, the payment method may be electronic payment, mobile phone payment, credit card payment, online banking and the like.

Thereafter, the controller 200 accesses the member's securities account database in step 1019 to calculate the investment principal of the member. The investment principal here is calculated as the sum of the cash and oil balances currently held. In step 1021, the control unit 200 stores the cyber money corresponding to 1% of the investment capital as the bet limit, and checks whether the fund manager information request button is input by the member in step 1023. The fund manager information request button is posted on the main page of the betting game. When the fund manager information request button is input, the controller 200 reads information of managers participating in the fund yielding game to be performed at this time from a database and displays the information on a web page in step 1029. Check if a particular manager is selected (clicked). When the specific manager is selected, the controller 200 displays a bet input request message on a web page in step 1031, and checks whether the member inputs a bet money (cyber money) in step 1033. When the bet is input, the control unit 200 associates the input bet with the fund manager for the member in a database in step 1037, stores the cyber money balance, and stores the result in a web page. Display on. Here, an error message is displayed on a web page when a bet amount exceeding a predetermined bet limit amount is requested to enter the bet amount again.

In operation 1039, the controller 200 checks whether a bet completion button is input by the member. When the bet completion button is input, the controller 200 accumulates the cyber money balance in the member's cyber account in step 1041. In operation 1042, the controller 200 checks whether the predetermined betting period has expired. If the betting period has not expired, the control unit 200 returns to step 1003 to check whether there is a member participating in the betting game, and if the betting period has expired, the control unit 200 Proceeding to step 1043, it is checked whether the fund yield game ends. For example, the betting game may be 'match yield', 'rank ranking', etc., and the present invention assumes betting on the expected first rank.

At the end of the fund yield game, the control unit 200 proceeds to step 1045 to read the rank and return of the fund managers from the database. In operation 1047, the controller 200 selects the winners betting on the first fund manager among the betting participants, and calculates a dividend to be paid to each winner in step 1049. Here, the dividend is calculated in the same manner as the above-mentioned prize (insurance) distribution method. Thereafter, the control unit 200 accumulates the calculated dividends in the cyber account of the corresponding member in step 1051, and performs the account deposit routine in step 1053, and returns to steps 311 and 331 of FIG. The description of the direct deposit routine will be described in detail later with reference to FIG. 13.

On the other hand, while the above-described embodiment is described as members bet on the fund managers selected through the manager selection game, that is, the betting game is described as applied to the fund manager's return rate game, the betting game is' individual The same can be applied to profit rate games and manager selection games. For example, when applied to a personal rate game, members bet on the participants who participated in the individual rate game, and at the end of the game the website will pay dividends to members who successfully bet.

FIG. 11 shows the detailed procedure of the fund yield game routine (step 343) described with reference to FIG.

Referring to FIG. 11, when the fund yielding game start time is reached, the control unit 200 reads the information of the members who have won the manager selection game from the database in step 1101, and the members who have been granted permanent fund manager qualification in step 1103. Read information from the database. Hereinafter, the members who have won the manager selection game and the members given the permanent fund manager price are referred to as 'fund rate game participants'. In operation 1105, the controller 200 notifies the fund yield game participants that they have obtained a qualification to participate in the fund yield game. For example, you can use a pop-up window to notify a web page or send an email to each participant.

In step 1107, the controller 200 checks whether there is a game participation button input by the participants. When the game participation button is input by any participant, the controller 200 proceeds to step 1109 to perform an investment principal deposit routine of the participant (fund manager). In detail, when a game participation button is input, the control unit 200 displays a message requesting an investment principal deposit on a web page, and when the fund manager selects an investment principal deposit button, an input window for inputting an amount (or Payment window). When the deposit is completed, the deposit amount is converted into cyber money and accumulated in the cyber account of the fund manager. Thereafter, when a securities account to be used by the fund manager is opened, the cyber money is converted into cash and deposited in the securities account.

In operation 1111, the controller 200 checks whether a predetermined period of waiting for approval of the participants has expired. When the predetermined period has not expired, the controller 200 continues to return to step 1107 to wait for the input of the game participation button, and when the predetermined period expires, the controller 200 proceeds to step 1113. Display the nomination request message on the web page.

In operation 1115, the controller 200 checks whether a nomination divider button is input from any member. When the nomination split button is input, the control unit 200 proceeds to step 1117 to perform the nomination naming routine. The nomination nomination routine will be described in detail later with reference to FIG. When the increase in the nomination for the participants of the fund yield game through the nomination naming routine is completed, the control unit 200 notifies the participants of the information of the securities account previously established in step 1119 via e-mail. As mentioned above, the principal's investment capital is deposited in the securities account.

Thereafter, the controller 200 checks whether the competition start time is reached in step 1121. When the competition starts, the participants access the website provided by the server 11 and perform stock trading. When the participant requests stock trading, the control unit 200 executes a dedicated program that can directly access a stock exchange computer system or a stock trading program provided by a specific securities company and displays it on a web page. Then, the participant logs on with the ID and password (or website ID and password) given from the site, and then performs stock trading using the program. At this time, the participant will be funded for a certain period of time (three months) with only the nomination or the sum of their principal and nomination. Meanwhile, the server 11 monitors the participant's stock trading in real time and displays it on a web page in real time.

When the competition starts, the controller 200 displays the rate of return of each participant on a web page in step 1123. In operation 1125, the controller 200 searches for the yields and checks whether there is a participant having a negative yield greater than or equal to a predetermined rate. Herein, the predetermined ratio is assumed to be 30%. If there is a participant having a negative rate of return exceeding a predetermined rate, the controller 200 proceeds to step 1141 to stop the fund manager activity and notify the participant via e-mail. In operation 1143, the controller 200 distributes and stores the remaining investments (cash and securities) according to the investment ratios of the corresponding nominees and the fund manager, and notifies each nominee and the fund manager the amount to be distributed. After that, the control unit 200 returns to step 311 and step 331 of FIG. 3 after performing the account deposit routine (FIG. 13) in step 1145.

On the other hand, if there is no participant having a negative rate of return more than a predetermined rate, the control unit 200 checks whether the end time of the competition in step 1127. If the end time of the competition, the control unit 200 Continuing to return to step 1123 to display the return of the participants, if the end time of the competition, the control unit 200 proceeds to step 1129 to calculate the final returns of the participants. In operation 1131, the controller 200 examines each of the calculated final rates of return to determine whether the ratio is greater than or equal to a predetermined ratio. If the ratio is not equal to or greater than the predetermined ratio, the control unit 200 proceeds to step 1137 and first allocates the amount corresponding to a certain ratio of the profit to the fund manager, and the remaining amount (the remaining profits and nominations) and the corresponding nominees and the fund. It will be distributed according to the manager's investment ratio, and the respective nominees and fund managers will be informed of the amount to be received. Thereafter, the control unit 200 returns to step 311 and step 331 of FIG. 3 after performing the account deposit routine (FIG. 13).

On the other hand, if there is a participant whose final rate of return is greater than or equal to a predetermined rate in step 1131, the controller 200 reads out the 'accumulation amount' from the database in step 1133. And the prize money according to each yield is computed based on the yields more than the said fixed ratio. In operation 1147, the controller 200 examines each of the calculated prizes and determines whether the prize money exceeds 1000% of the investment principal. If the prize money does not exceed 1000% of the investment principal, the controller 200 immediately proceeds to step 1153. If the prize money exceeds 1000% of the investment principal, the controller 200 proceeds to step 1149. Therefore, the amount which is subtracted from the prize money equal to 1000% of the investment principal shall be carried forward as the next "accumulated accumulation money".

In operation 1151, the controller 200 determines an amount corresponding to 1000% of the investment principal as a prize of the corresponding fund manager. In step 1153, the controller 200 determines an amount corresponding to a predetermined ratio (eg, 70%) of the determined prize money as a payment amount, and the remaining 30% is carried forward as the next prize money accumulation money. After that, the controller 200 first allocates the amount corresponding to a certain ratio of the profit to the fund manager in step 1155, and distributes the remaining amount (the remaining profits and the designated amount) according to the investment ratios of the corresponding nominees and the fund manager. Inform each nominee and fund manager of the final amount to be received. After notifying the final amount of money to be received, the control unit 200 performs a deposit account routine (FIG. 13) in step 1157.

In operation 1159, the controller 200 searches for information on the fund managers participating in the competition and checks whether the manager is a permanent fund manager. In the case of a permanent fund manager, the control unit 200 proceeds to step 1161 to read the profit rates obtained by the fund activity from the database, and in step 1163 whether the sum of the negative returns is greater than a predetermined value (30%). Check it. If less than the predetermined value, the controller 200 immediately returns to step 311 and step 331 of FIG. 3. If the predetermined value is exceeded, the control unit 200 proceeds to step 1165 to deprive the permanent fund manager of the corresponding fund manager, and to update the database according to the step 1167 and then to steps 311 and 331 of FIG. 3. Return to

On the other hand, if it is determined in step 1159 that the manager is not a permanent fund manager, in step 1169, the control unit 200 checks whether or not the profit achieved more than the specified number of consecutive times for the fund manager. If the profit is achieved more than the specified number of consecutive times, the controller 200 determines the corresponding fund manager as a permanent fund manager in step 1171, and then proceeds to step 1167. Otherwise, the controller 200 returns 1173. After granting the manager selection game participation qualification to the corresponding fund manager in step 1167.

FIG. 12 shows the detailed procedure of the nomination naming routine (step 1117) described with reference to FIG.

Referring to FIG. 12, when the nomination splitting button is input, the control unit 200 reads the nomination of the member who inputs the nominating splitting button from the database in step 1201 and displays it on the web page. In operation 1203, the controller 200 checks whether a designated button is selected by the member. If the nomination button is selected, the control unit 200 proceeds to step 1205 and displays information on fund managers (including permanent fund managers) participating in the fund yielding game on a web page. When displaying the information of the fund managers, it displays the sum of the acceptor's allowance and the allowable money. At this time, the member selects a fund manager to be named and inputs an amount to be named. That is, the controller 200 checks whether a nominee is selected by the member in step 1207. If the nominee is selected, the control unit 200 proceeds to step 1209 and displays the remaining nominee on the web page. On the other hand, the controller 200 assigns a rank to each fund manager according to the nomination order of the member. For example, the first-designated fund manager is assigned a priority, and the second-designated fund manager is assigned a second rank.

In operation 1211, the controller 200 determines whether the number of nominations of the member reaches a prescribed number (eg, 5). If the prescribed number is not reached, the controller 200 returns to step 1207 to perform the following process again. If the prescribed number is reached, the controller 200 proceeds to step 1213 and designates the nomination. Display the completion message on the web page. That is, the member divides the nomination and nominates different or the same amount to different or same fund managers. For example, if you want to nominate two people, name one person three times and the other one two times. In addition, the controller 200 accumulates the remaining nominal money in the cyber account of the member in step 1215. In step 1217, the control unit 200 checks whether a predetermined nominal division period has ended. If the nomination division period has not ended, the control unit 200 returns to step 1115 of FIG. 11 to continuously check the nomination division button input, and if the nomination division period has ended, The control unit 200 proceeds to step 1219 to calculate the nomination of each fund manager.

In operation 1221, the controller 200 checks whether the designated fund manager's nominal amount exceeds 1000% of the invested capital of the specific fund manager. If not more than 1000% of the investment principal, the control unit 200 proceeds to step 1225 to store the nomination in response to the specific fund manager, and if more than 1000% of the investment principal the control unit 200 ) Proceeds to step 1223 and saves the nomination corresponding to the excess amount as the nomination of another fund manager, and then proceeds to step 1225 to store the remaining nomination in correspondence with the specific fund manager. For example, the specific fund manager is selected from the nominations of the members designated as the first priority and stored as the nominations of the fund managers designated by the members. If a particular member's nomination is also rejected from the 5th rank fund manager, the nomination is stored in the member's cyber account. In step 1227, the controller 200 checks whether the specific fund manager is the last fund manager. If it is the last fund manager, the control unit 200 proceeds to step 1229, and if it is not the last fund manager, returns to step 1221 to check the next fund manager. For example, the predetermined order may be determined in the order of the nominal money or the order of the nominal money in relation to the principal.

On the other hand, the control unit 200 notifies the fund manager assigned in step 1229 by using an e-mail or the like. In operation 1231, the controller 200 checks whether a nominee accept button (and a nominee rejection button) is input by an arbitrary fund manager. If it is determined that the name reject button is input, the controller 200 checks whether the amount rejected by the fund manager in step 1239 is greater than or equal to a predetermined ratio of the total name funds. If more than the predetermined ratio, the control unit 200 proceeds to step 1243 and displays the warning message on the web page, and returns to step 1231 to check the button input again, if less than the predetermined ratio the control unit 200 Proceeds to step 1241 and stores the nominated money corresponding to the rejected amount to the cyber account of the member and proceeds to step 1233. For example, the fund manager is selected from the nominee of the first nominated member among the nominated members and stored in the member's cyber account. In another example, the benefits of the nominated members are examined and the benefits are selected from the nominee of the most member and stored in the member's cyber account.

If the nomination acceptance button is input, the controller 200 stores the nominated money (cyber money) accepted in response to the fund manager in step 1233, and the actual nomination for the nominated money received in step 1235. The cash is transferred from the bank account operated at the site to the securities account assigned to the fund manager. In operation 1237, the controller 200 checks whether the transfer of the nominated securities account for all the fund managers is completed. If the nominated securities account transfer is not completed, the control unit 200 returns to step 1231 to continuously check the button input, and if the nominal securities account transfer is completed, the control unit 200 returns to the figure. Return to step 1119 of 11.

Looking at another embodiment of the above-described 'fund rate game routine' as follows.

When a game participation button is input by an arbitrary fund manager, the controller 200 displays a message requesting an investment principal deposit on a web page, and enters an amount when the fund manager selects an investment principal deposit button. Display the deposit window (or payment window). When the deposit is completed, the deposit amount is converted into a cyber money to be accumulated in the cyber account of the fund manager, and the increase amount of the fund according to the cyber money and the cyber money is displayed. At this time, a message requesting the input of the desired nominee is also displayed. Here, the fund manager may input a desired nomination within the limit of the capital increase. When the fund manager inputs the desired nomination, the controller 200 stores the desired nomination and then performs the same step after the step 1111. At this time, in step 1221 in the designation name designation routine (Fig. 12), "1000% of the principal" is changed to "desired designation". That is, the control unit 200 checks whether the nomination exceeds the desired nomination in step 1221, and if it exceeds the desired nomination, proceeds to step 1223 and passes the nomination according to the excess amount to another fund manager and does not exceed it. If not, the process proceeds to step 1225 and stores the nomination in correspondence with the corresponding fund manager. In this case, there is no need for the fund manager to reject the nomination. Therefore, when the inspection is completed from the step 1227 to the last fund manager, the nomination is directly deposited into the fund manager's securities account.

Fig. 13 shows the detailed procedure for the direct deposit routine described above.

Referring to FIG. 13, when an amount to be paid to a member is generated, the controller 200 searches a database in step 1301 and checks whether a bank account is selected when a revenue is generated by participating in a game in step 1303. As another example, when an amount to be paid to a member occurs, the control unit 200 notifies a message asking whether to deposit a bank account through an e-mail or the like, and thereafter, the member includes a "bank account deposit button" included in the message. You can also check if you type "."

If the bank account is not selected, the control unit 200 proceeds to step 1317 and accumulates the amount (cyber money) to be paid to the member to the cyber account of the member and returns to the corresponding program. If the bank account deposit is selected, the control unit 200 converts and stores the cyber money to be paid in cash in step 1305 and notifies the member of the cash. In operation 1307, the controller 200 checks whether a payment button is input by the member. When the payment button is input, the control unit 200 reads the member's bank account from the database in step 1309, and transfers the cash amount corresponding to the cash from the bank account operated on the site to the member's bank account. Send the requested message to the financial institution. In operation 1311, the controller 200 checks whether a response message indicating completion of transfer is received from the financial period. Upon receiving the response message, the control unit 200 displays the payment completion message on a web page in step 1313, stores information indicating cash paid in step 1315 in a database, and returns to the corresponding program.

FIG. 14 illustrates a detailed procedure of the bulletin board operating routine (step 327) described with reference to FIG.

Referring to FIG. 14, when a member selects a bulletin board displayed on a main page (clicking), the controller 200 displays a bulletin board that a member can access (read / write) in step 1403, and in step 1405. Checks if a particular list is selected (double-clicked) on Windows. If a specific list is not selected for a predetermined time, it is checked whether a writing button is input in step 1423. If the writing button is input, the controller 200 displays an input window for inputting a writing on a web page in step 1425 and checks whether a writing completion button is input in step 1427. Upon inputting the completion key, the controller 200 updates the bulletin board database by registering the content input in the input window in the latest list of bulletin boards in step 1429 and returns to step 1403 to display the updated bulletin board. .

When a specific list is selected in step 1405, the controller 200 displays the details of the selected list on a web page in step 1407. The controller 200 checks whether a next list button is input by the member. If the next list button is input, the control unit 200 returns to step 1407 to display details corresponding to the next list of the displayed list. If the next list button is not input, the controller 200 returns to step 1411. Proceed and check that the previous list button is entered. If the previous list button is input, the control unit 200 returns to step 1407 to display detailed information corresponding to the previous list of the currently displayed list, and if the previous list button is not input, proceed to step 1413. To check if the 'list' button is entered. If the list button is input, the control unit 200 returns to step 1403 to display a bulletin board. If the list button is not input, the controller 200 proceeds to step 1415 and checks whether a 'recommended' button is input.

If the recommendation button is not input, the control unit 200 returns to step 1409 to continuously check whether another button is input. If the recommendation button is input, the control unit 200 proceeds to step 1417 and displays the currently displayed contents. In order to increase the recommendation count and display the bulletin board reflecting the increased recommendation count, the process returns to step 1403. Such a recommendation counter is counted by a predetermined period, and the predetermined top members who receive the most recommendation at the time are entitled to participate in the manager selection game as mentioned above. On the other hand, when moving to the main page (display) by the member's selection during operation of the bulletin board, the controller 200 returns to step 311 and step 331 of FIG.

FIG. 15 shows a detailed procedure of the chat room operation routine (step 329) described with reference to FIG.

Referring to FIG. 15, when an arbitrary member inputs a chat room join button, the controller 200 displays a chat window in which the chat contents are scrolled in step 1501 and an input window for inputting the chat contents, in step 1503. Check if the transmit button is entered in. When the transmission button is input, the controller 200 displays the conversation contents input by the member in a dialog window in which the conversation contents are scrolled in step 1505. In operation 1507, the controller 200 checks whether an end button is input by the member. If the end button is not input, the control unit 200 returns to step 1501 to display a window in which conversation contents are scrolled continuously, and when the end button is input, the control unit 200 displays the main page in step 1509. After the movement (display), the process returns to steps 311 and 331 of FIG. 3.

16 shows an example of a main page of a website according to the present invention.

As shown, the main page according to the present invention is the first window (1610) for displaying the returns of the predetermined number of fund managers currently ranked at the top of the fund yield game competition, and currently ranked at the top in the individual yield game competition A second window 1620 for displaying the return rate of the predetermined number of individual investors, a third window 1630 for displaying the latest list registered on the bulletin board, and a fourth window with buttons for participating in a chat room. (1640). When a member clicks on a specific fund name or a specific personal investment name while the main page is displayed, detailed transactions of the specific fund or the specific individual investor are displayed on a web page. In addition, when the third window 1620 is clicked, an accessible (read / write) bulletin board is displayed, and when the participation button of the fourth window 1640 is clicked, inputting a chat window and a chat content in which the chat contents are scrolled Will display the input window.

Meanwhile, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. On the other hand, the above-described figures are only examples and can be flexibly operated according to various variables. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

As described above, the present invention divides the predetermined participation fee paid while participating in the game into risk contributions (insurance), prize money, nominations (fund investment), etc. to jointly share the risk of loss, thereby making investment more stable. You can do In addition, it is possible to improve the motivation for stock investment by selecting members with higher yields in real investment and paying prize money. On the other hand, fund managers can make more profits by investing in the amount nominated by their members. In addition, the nominee selects investors whose proficiency has been verified through the game, so that more stable investment can be made and profits can be generated through indirect investment. On the other hand, when participating in the game, the member makes a real investment with a securities account that he already has. Therefore, a new account (real name account, virtual account) is newly opened for the game, or as in the past, the real investment and virtual Eliminate the hassle of investing in parallel. In addition, since the game is based on real investment, it is possible to increase the participation of members and concentration on stock investment. In conclusion, through the real investment game, we can identify unknown excellent investors and provide more profitable opportunities for the identified excellent investors.

Claims (16)

(a) When the member enters the game participation button, the cyber money stored in the cyber account of the member is displayed on the web page, and the game divides the first and second amounts of money from the cyber money according to the member's input. Registering in the participant database; (b) performing a real investment for game participation members registered in the game registration database during a predetermined profit rate game competition, and calculating and displaying a rate of return based on transaction data generated by the real investment; (c) calculating final yields of the game participating members at the end of the profitability game competition, and determining loss members having a predetermined higher rank and loss members above a predetermined ratio based on the yields; (d) determining a prize to be paid to each of the above rankers by distributing a total prize sum of the first amounts of the game participants by a predetermined rule; (e) distributing a total insurance premium sum of the second amounts of the game participants according to a predetermined rule to determine an insurance premium to be paid to each of the lost members. The service method of the server. The method of claim 1, wherein (d) Calculating a prize money for each of the rankers by allocating the total prize money according to the ratio of the first amount of each ranker to the sum of the first amounts of the top rankers; Checking whether a premium has been received for each of the top rankingers; If the claim has been received, checking whether the claim has been received after receiving the claim; If the prize money has not been received after the receipt of the benefit, the highest percentage of the previously received benefits is selected and the sum of the calculated prize money minus the highest rate is used as the prize money to be paid. Determining and accumulating the remaining amount as a premium for the next game; If the claim has not been received or has not received a prize after receiving the claim, checking whether the calculated prize exceeds a predetermined multiple of the principal's investment amount; If it does not exceed the predetermined multiple, storing a portion of the calculated prize money as a prize accumulation, and determining the amount to be paid out by subtracting the prize accumulation from the calculated prize money; If the predetermined multiple is exceeded, the excess amount is accumulated as the total prize money of the next game, a part of the remaining amount is accumulated as the prize accumulation amount, and the prize money to be paid for the amount obtained by subtracting the prize accumulation amount from the remaining amount. The service method of the web server providing a stock investment game, characterized in that it comprises the step of determining. The method of claim 1, wherein (e) Calculating the insurance premium for each lost member by allocating the total insurance premium according to a ratio of the second amount of each lost member to the sum of the second amounts of the lost members; Displaying a message requesting a decision to receive insurance benefits; Checking receipt of a claim by any lost member if the claim for the member exceeds a predetermined percentage of the amount of the loss; If exceeding the predetermined ratio, determining an amount corresponding to the predetermined ratio of the loss amount as the insurance premium to be paid, and accumulating the remaining amount as the next competition premium; Determining a premium for the member as the premium to be paid if the predetermined ratio is not exceeded; And accumulating the insurance money for the member as the next insurance money when the insurance money is refused by any of the lost members. The method of claim 1, (f) determining the amount to be paid to each of the top ranking members and the lost members, and then transferring the corresponding payment amount to the member's bank account at the member's request. Web server service method to provide. The method of claim 4, wherein (f) comprises: Notifying the member of the payment amount by e-mail; Converting the payment amount corresponding to the cyber money into cash when the deposit request button is input by the member and displaying it; When the payment button is input by the member, automatically transferring the cash from the bank account operated by the web server to the bank account of the member. The method of claim 1, The game participants perform a real investment using a securities account already held, and the transaction data generated by the real investment is provided to the web server from the server of the securities company at the request of the web server. A service method of a web server that provides a stock investment game. (A) When a member enters a game participation button, the cyber money accumulated in the member's cyber account is displayed on a web page, and the game participation fee is divided in the cyber money according to the member's input and registered in the game participant database. process; (B) a process in which members selected by predetermined criteria make a real investment during a predetermined manager selection game competition, and calculate and display a rate of return based on transaction data generated by the actual investment; (C) at the end of the competition, calculating final returns of the members, and determining predetermined top rankers as managers based on the returns; (D) registering the managers and predetermined permanent fund managers as fund managers to participate in a fund yield game; (E) converting the investment funds paid by the fund managers into cyber money and storing them; (F) The game participation fee is divided and assigned to at least one fund manager at the request of the members registered in the game participant database for a predetermined period of time, and the cyber money corresponding to the amount and the investment principal nominated to each of the fund managers. Converting cash into a deposit manager's securities account; (G) the fund managers make a real investment during a predetermined fund yield game competition, and calculate and display a yield based on transaction data generated by the real investment; (H) The amount to be paid to the relevant investment members by discontinuing the operation of the fund manager when the negative rate of return exceeds a certain ratio, and distributing the remaining investment to the fund manager and the members who have designated the fund manager according to the investment ratio. Calculating the process; (I) at the end of the competition, the investment and the proceeds of the stock investment game comprising the step of calculating the amount to be paid to the relevant investment members by the fund manager and the nominees nominated according to the investment ratio Web server service method to provide. The method of claim 7, wherein (J) after determining the fund managers, displaying a message requesting participation in a betting game for a predetermined time; (K) storing a bet amount input by the member and a fund manager to bet-matched for each of the members participating in the betting game for the predetermined time and storing the same in a database; (L) checking whether the fund yield game competition ends; (M) at the end of the competition, reading information from the database of members betting on the fund manager who achieved the highest yield; (N) calculating a dividend to be distributed to each of the members based on the bets of the members, and further comprising the step of accumulating the calculated dividends in the cyber account of the member; Service method of providing web server. According to claim 7, wherein (F) process, Displaying a payment request message on a web page for a predetermined period of time; Displaying a game participation fee of the member when any member inputs a nomination split button, and dividing and assigning the game participation fee to a predetermined number of fund managers according to the input of the member; At the expiration of the predetermined period, calculating a sum of nominations allocated to each fund manager, and checking whether the calculated sum of nominations exceeds a predetermined multiple of the invested principal of the fund manager; The sum of the calculated nominations is stored as the fund manager's nominal amount if the predetermined amount of the investment principal is not exceeded, and the nominal funds corresponding to the excess amount if other than the predetermined number of the invested principal amount are transferred to other fund managers. After allocating, storing the sum of the remaining nominations as the nomination of the fund manager; Storing a nomination for each of the fund managers, then notifying the fund managers of the stored nomination; After notifying the nomination, when the nomination acceptance button is input by a specific fund manager, the money corresponding to the nomination and the investment principal is converted into cash, and the cash is transferred from a bank account operated by the web server. Transferring to the securities account of the specific fund manager; After notifying the nomination, checking whether the amount rejected when the nomination button is input by a specific fund manager is equal to or greater than a predetermined ratio of the nomination; Displaying a warning message requesting acceptance of the nomination if the ratio is above the predetermined ratio, and accumulating nominations corresponding to the rejected amount in the cyber accounts of the corresponding members when the nomination ratio is less than the predetermined ratio; Subtracting the rejected amount and converting the nominated money and the cyber money corresponding to the investment principal into cash, and transferring the cash from the bank account operated by the web server to the securities account of the specific fund manager. A service method of a web server for providing a stock investment game, characterized in that. The method of claim 7, wherein the (I) process, Selecting fund managers whose final yield is greater than or equal to a predetermined value; Calculating a prize to be paid to each of the managers by distributing a predetermined prize according to the returns of the selected fund managers; Checking whether the calculated prize money exceeds a predetermined multiple of the principal invested by the fund manager; If exceeding the multiple, accumulating the excess amount as the next competition prize, and determining the amount corresponding to the predetermined multiple as the primary prize; Determining a prize to be paid for an amount corresponding to a predetermined ratio of the first prize, and accumulating the remaining amount in the next prize money; After determining a prize to be paid to the fund manager, a portion of the profit is distributed to the fund manager, and the remaining profits and investments are distributed to the fund manager and the designated members of the fund manager according to the investment ratio. Calculating the amount to be paid to them; For each of the fund managers whose final yield is less than the predetermined value, a portion of the proceeds is first distributed to the fund manager, and the remaining profits and investments are distributed to the fund manager and the designated members of the fund manager according to the investment ratio. Calculating an amount to be paid to the investment members; Calculating the amount to be paid and transferring the payment amount to the member's bank account at the member's request; Classifying the permanent managers and the fund managers who have made a profit among the fund managers who participated in the fund yield game; Checking for each of the permanent fund managers a cumulative negative yield value exceeding a predetermined value and, if exceeding the predetermined value, disqualifying the permanent fund manager; For each of the managers who achieved the profit, the manager checks whether the profit has been exceeded by the prescribed number of consecutive times. If the profit is achieved by the number of the specified successive times, the fund is determined as a permanent fund manager. Otherwise, the manager can participate in the manager selection game. A service method of a web server for providing a stock investment game, characterized in that it comprises the step of qualifying. The method of claim 7, wherein The member selected by the predetermined criteria is a service method of a web server for providing a stock investment game, characterized in that the members who have won a lot of awards and members who have been highly recommended on the bulletin board. The method of claim 7, wherein Members participating in the manager selection game competition perform a real investment using a securities account already held, members participating in the fund return game competition perform a real investment using a security account provided by the web server, Transaction data generated by the real investment is a service method of a web server providing a stock investment game, characterized in that provided by the request of the web server from the server of the securities company to the web server. Registering a first amount, a second amount, and a third amount in a cyber participant's cyber money stored in a cyber account according to a member's input to a game participant database; A process in which game participants registered in the game participant database perform a real investment during a personal rate game competition, and calculate and display a rate of return based on transaction data generated by the real investment; At the end of the personal rate game contest, calculating final rates of return for the game participants and selecting lost members having a predetermined higher rank and loss members above a predetermined rate based on the rates; Read a total prize sum sum of the first amounts of the game participation members, and allocate the total sum to the rankers according to the ratio of the first sum amount of each ranker to the sum sum of the first sum amounts of the top rankers. Calculating the winnings to be paid; The total premium is read out by adding up the second amounts of the game participation members, and the total premium is distributed according to the ratio of the second amount of each lost member to the sum of the second amounts of the lost members. Calculating a benefit to be paid to each of the children; Determining the members selected by the predetermined game and the members who are entitled to the permanent fund manager by the predetermined criteria as the fund managers to participate in the fund yield game; Designating the third amount to at least one fund manager at the request of members registered in the game registration database for a predetermined period of time; Converting the amount designated to each of the fund managers into cash, and transferring the cash from the bank account operated by the web server to the securities account of the fund manager to increase the investment of the fund managers; The fund managers perform a real investment during a fund yield game competition, and calculate and display a rate of return based on transaction data generated by the real investment; When a negative rate of return exceeds a certain rate, the fund manager stops operating, and the remaining investment is distributed to the designated manager and the designated members according to the investment ratio to calculate the amount to be paid to the corresponding investment members. process; At the end of the competition, the investment and profits are distributed to the fund manager and the nominees who have designated the nominal funds according to the investment ratio to calculate the amount to be paid to the corresponding investment members. Web server service method. The method of claim 13, Classifying the permanent managers and the fund managers who have made a profit among the fund managers who participated in the fund yield game; Checking whether each of the permanent fund managers has a negative yield accumulated value exceeding a predetermined value, and if the permanent fund manager exceeds the predetermined value, disqualifies the permanent fund manager; For each of the managers who achieved the profit, the manager checks whether the profit has been exceeded by the prescribed number of consecutive times. If the profit is achieved by the number of the specified successive times, the fund is determined as a permanent fund manager. Otherwise, the manager can participate in the manager selection game. A service method of a web server for providing a stock investment game, characterized in that it further comprises the process of qualifying. The method of claim 13, After determining the fund managers, displaying a message requesting participation in a betting game for a predetermined time; Storing a bet amount input by the member and a fund manager for betting targets for each of the members participating in the betting game for the predetermined time and storing the same in a database; Checking whether the fund yield game competition ends; Reading information from members of the bet on the fund manager who achieved the highest yield at the end of the competition; Calculating a dividend to be distributed to each of the members based on the bets of the members, and storing the calculated dividend in a cyber account of the member, wherein the web provides a stock investment game. The service method of the server. A network communication unit for transmitting / receiving packets with clients by TCP / IP or UDP protocol; Member management database for managing the information of the clients subscribed to the site operated by the server, a stock account database for managing the stock account data of the members, a game participant database for storing the information of the members participating in the game, the game Payment subject database for storing information on payments generated through the website, homepage database for storing web pages provided by the server, bulletin board database for storing the contents registered on the bulletin board and contract brokerage firm database for storing the information of the contracted securities company A storage device for storing the; Module for handling logon and logoff requests from clients, module for registering the client's information in the game participant database when a game is applied, and winnings and insurance premiums according to the returns earned by the clients during the period. A module for payment, a module for selecting a predetermined number of fund managers among the qualified members, and the members' nominations are increased to the fund manager's investments, and the profits and investments obtained by the managers through investment A program storage unit for storing modules for distribution to designators; Central processing for executing the software modules stored in the program storage unit, processing packets transmitted and received through the network communication unit by the execution, and accessing the storage device by the execution to read and update information of the databases; Web server device for providing a stock investment game comprising a device.