KR20050098759A - Method for issueing real securities instead of cash-back point - Google Patents

Abstract

The present invention ① cyber money given to the user of the site according to the results of the purchase of various goods on-line, watching advertisements or playing games, ② lineage games known to have economic exchange value in the real world Game items in various games such as games, and ③ Payment system and method of payment of securities for exchanging and paying mileage such as OK cashback generated when purchasing goods off-line to securities such as cash, gift certificate, and use ticket It is about.

The present invention provides a system comprising an integrated server and a security dispenser, (A) the cashback point accumulation step of the member; (B) verifying the membership through the securities dispenser; (C) a cash back point information display step of displaying the current status of the cash back point and the security information corresponding thereto; (D) securities payment step of releasing the securities selected by the user; (E) an information update step of updating the cache backpoint status of the user; (F) the termination of the connection; provides a method of payment of securities, including.

According to the securities payment method of the present invention, not only the user's freedom of product selection is sufficiently given, but also there is no inconvenience in visiting an off-line store.

In addition, even if a small amount of cashback points are dispersed it can be paid in securities.

Description

Payment method for securities based on cashback points {Method for issueing real securities instead of cash-back point}

The present invention relates to a payment device and a payment method of a security for converting and paying cyber money, game items, mileage, etc. acquired on-line or off-line to a security such as a gift certificate or a use right.

More specifically, ① cyber money given to the users of the site as a result of purchasing various goods on-line, watching advertisements or playing games, etc. ② known to have economic exchange value in the real world. Payment device of securities that exchanges and pays game items in various games such as lineage games and mileages such as OK cashback generated when purchasing goods off-line into securities such as cash, gift certificates, and vouchers, and It is about payment method.

In general, the Internet is an open network configured to freely connect and use a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to an opposite server that anyone wants to access anywhere in the world. In addition, with the development of compression technology, it is used for various purposes and methods such as the delivery of multimedia information.

As the use of the Internet is rapidly increasing, the importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry is increasing.

In addition, as new business opportunities and areas are expanding through the Internet, new businesses using the Internet are gradually increasing. For example, as part of the business through the Internet, Internet advertising, Internet broadcasting, online games, and Internet newspapers / Sites that provide various contents such as magazines, search services, portal services, and e-commerce are rapidly increasing.

Among these sites, if you purchase various goods or services using the Internet, you can earn a predetermined amount of cyber money according to the purchase amount, or if you use a site by joining or accessing a specific site, you earn a predetermined amount of cyber money and Increasingly, sites that provide users with cash or goods when certain criteria are exceeded are increasing. In addition, there are sites that provide predetermined cyber money when watching advertisements, playing games, or taking quizzes on specific sites.

Such cyber money providing sites are attracting users' attention because they can receive cash or merchandise in return for using the sites.

However, the aforementioned conventional sites have to select a specific product from a product group unilaterally selected by the site operator even if the user has accumulated cyber money exceeding a certain standard, and visits the off-line store designated by the operating company in order to receive the selected product. In addition, the freedom of product selection on the user's side is not only limited, but it is inconvenient to spend time and money separately on the off-line store.

In addition, Internet users (netizens) usually use a plurality of sites and accumulate a small amount of different cyber money for each of these sites. In most cases, these sites do not have a cyber money exchange system. There are many. Therefore, even though a large amount of cyber money as a whole is distributed in small amounts on various sites, it is inconvenient to take a lot of time and effort to receive cash or goods.

On the other hand, when you purchase an item at an off-line store, apply for on-line receipt of various bills, or apply for automatic transfer of charges, the mileage will be accumulated as a counter-payment, but even if the mileage is accumulated above a certain standard, It is limited to the extent to which a certain product is selected from the product group selected by the operating company to be delivered or discounted on the next billing.

In addition, in the case of a popular game, the price of game items is fixed to some extent, and the trading of these game items is made on-line and off-line. In Korea, these game item trading is illegal, so game item There is a need for a device that can legalize transactions.

An object of the present invention is to provide an apparatus and method for enabling an internet user to easily convert cyber money into securities such as cash, gift certificates, exchange tickets, and usage rights.

In addition, the present invention provides an apparatus and method for converting a plurality of different cyber money accumulated in a plurality of sites that accumulate a predetermined cyber money to Internet users into securities such as cash, gift certificates, exchange tickets, use rights, etc. It aims to provide.

In addition, an object of the present invention is to provide an apparatus and method that can easily convert the mileage accumulated when purchasing goods off-line to securities such as cash, gift certificates, exchange tickets, usage rights and the like.

It is also an object of the present invention to provide an apparatus and method for easily converting a game item having a realistic economic value into a securities such as cash, gift certificates, exchange tickets, usage rights, etc. that can be used off-line.

The present invention for achieving the above object provides a method of payment of securities based on cyber money, mileage, game items, etc., the payment method is somewhat different depending on the number of sources of the cyber money.

Here, the term " securities " in the present invention is defined as meaning a variety of instruments that can function like cash in on-offline, such as cash, gift certificates, exchange tickets, use rights. In addition, cyber money is defined as an economic value given as an inverse benefit of on-line purchasing activity or advertisement viewing activity, and mileage is defined as an economic value given by off-line purchasing activity. In addition, the term " cashback point " is defined as a term of a higher concept that includes not only the cyber money and mileage, but also the economic value of game items that can be converted into cyber money, mileage, and cash.

(1) The cash backpoint originates from one operating company (website).

It is a payment method operated by an operating company (website) that provides cashback points such as cyber money or mileage, or a payment method operated by multiple operating companies that provide the same common cash back point.

In this case, the present invention provides an integrated server having a member management function, a cache backpoint management function, and a cacheback point settlement function, a user terminal connected to the integrated server and the Internet, and the integrated server connected to the Internet or a dedicated line. A method of paying a security by a device including a security payer having an input device and an output device,

(A) a cashback point accumulation step in which a user, who is a member, accumulates cashback points in the integrated server through an off-line purchase, purchase through a website, or use of a website;

(B) a member verification step of authenticating, by the integrated server, whether the user inputs the member information through the input device of the securities dispenser;

(C) the cache server information display step of the integrated server to display the current status of the cache back point of the user and the security information corresponding to the user through the output device of the security dispenser;

(D) a securities payment step of discharging the securities by the securities dispenser when the user selects the securities through the input device of the securities dispenser;

(E) an information update step of updating the current state of the cache backpoint of the user by the integrated server receiving the paid securities information;

(F) the connection termination step of stopping the connection effect of the user through the securities dispenser; provides a security payment method comprising a.

The cashback point accumulation step may be to accumulate a predetermined cashback point as a user (member) connected through a network communication network, such as the Internet, accesses a website such as electronic commerce, advertisement, or game use, or performs off-line commerce. It will be. Therefore, the e-commerce server or the game server may be physically separated from or integrated with the integrated server.

The integrated server includes at least a member DB that stores a member's name, member number, password, and personal information, at least member identification number, cashback point accumulation amount, securities conversion amount, date and time of conversion, and securities conversion information for the place of conversion. It is preferable that the cache backpoint management DB that stores the. In the case of a grouped operator (website) that provides the same cacheback point, it may be desirable that the cacheback point information of the websites in the group is integrated and recorded in one integrated server.

On the other hand, the input device of the security issuer may apply only one or two or more of a number, a letter input device, a card reader or a biometric reader. The securities dispenser may have substantially the same structure and function as a conventional ATM. The securities dispenser is periodically replenished with cash, gift certificates, exchange tickets, usage rights, etc., of appropriate face value, as necessary.

Therefore, according to the present invention having the above-described configuration, even if users using the conventional cyber money or mileage accumulating sites accumulate cashback points exceeding a predetermined standard set by the corresponding site, the product is selected from the product group unilaterally selected by the operating company. It is possible to freely select a product in time and space without having to visit the offline store designated by the operating company in order to select or receive the product.

(2) The cash backpoint originates from more than two operating companies (websites).

In order to satisfy the need to secure securities by integrating different cashback points, the present invention,

An integrated server having a member management function, a cache backpoint management function, and a cache backpoint settlement function, a user terminal connected to the integrated server and the Internet, and a predetermined input device and output device connected to the integrated server and the Internet or a dedicated line. As a securities payment method, a securities payment method by a device comprising a plurality of member company servers connected to the integrated server and the integrated server and the Internet or a dedicated line and having a separate member management function, a cache backpoint management function, and a cashback point settlement function,

(A) If a user who is a member of the integrated server and at least one member company server accumulates cashback points on the member company server through on-offline purchase or website use, A cache backpoint accumulation step of updating cache backpoint information of the integrated server;

(B) a member verification step in which the integrated server authenticates the user's membership when the user inputs the member information through the input device of the securities dispenser;

(C) a cash back point information display step of displaying the current status of the cash back point for each member company server, the user is registered as a member and the security information corresponding thereto through the output device of the security dispenser;

(D) a securities payment step of discharging the securities by the securities dispenser when the user selects the securities and the cashback point of the corresponding company server through the input device of the securities dispenser;

(E) If the integrated server, which has received the selected cache backpoint information and the paid securities information, updates the status of the cache backpoint of the user, and delivers the update information to the member company server having the cacheback point selected, the company server is configured to An information update step of updating a cache backpoint status;

(F) the connection termination step of stopping the connection effect of the user through the securities dispenser; provides a security payment method comprising a.

According to the present invention having such a configuration, when a small amount of different cashback points are distributed on a plurality of sites, the cashback points cannot be paid to each cashback point, but the securities can be integrated and exchanged for a predetermined security value. .

At this time, the integrated server is a member DB that stores at least the user's name, member number, password, and personal information, at least member identification number, cashback point accumulation amount, securities conversion amount, conversion date and time, the securities for the conversion place It has a cache backpoint management DB for storing the conversion information, at least the member company name, company number, member company server management DB for storing the member company server access, authentication information.

As the input device of the security issuer, any one or two or more of a number, a character input device, a card reader, or a biometric reader may be applied in combination.

In addition, the company server is a member DB that stores at least the user's name, member number, password, and personal information, at least member identification number, cashback point accumulation amount, securities conversion amount, date and time of conversion, securities for the conversion place It is preferable to include a cache backpoint management DB for storing the conversion information, and at least an integrated server information DB for storing the integrated server connection and authentication information.

Hereinafter, in describing the present invention in more detail with reference to the accompanying drawings, it is to be understood that each of the accompanying drawings is intended to illustrate the present invention by way of example, thereby not changing or reducing the scope of the technical idea of the present invention. Put it. In addition, among the components shown in FIGS. 2 to 5, the user denoted by reference numeral 30 is defined as being a user terminal.

1 is a conceptual diagram schematically showing a configuration of a system for consuming a conventional cyber money.

As shown, in the related art, a user accesses a server using a communication network to accumulate cyber money, and then the user directly visits an offline store designated by the server operator to check the cyber money amount through a client terminal connected to the server. The configuration to select the next product was common.

Although not shown, if the product is a program or electronic content that can be downloaded directly, the product or service is downloaded from the server without the concept of an off-line store.

Therefore, according to the related art, there is an inconvenience of having to visit offline directly, or there is a limitation of selecting a product within a product group selected by the server administrator.

2 is a system configuration for paying securities in a website / operating company that provides cyber money / mileage, etc., a system configuration diagram that can be used in an operating company that provides the same common cash back point.

The network communication network 15 is a communication network such as the Internet, and connects communication lines between the plurality of user terminals 30 and the integrated server 10 so that data communication related to cashback point accumulation and securities payment is performed.

In the plurality of user terminals 30, a communication environment is established so as to communicate with the integrated server 10 connected to the network communication network 15. Therefore, the user uses the electronic commerce, advertisements, games, etc. provided by the integrated server 10 after the communication connection to the integrated server 10 is provided with a predetermined cyber money. On the contrary, when a user purchases an item at an off-line store, a predetermined mileage is often provided, and the mileage is passed through the user terminal 30 installed in the store or at a third place. ) Is accumulated in the user's (financial) account managed by the integrated server immediately or after a certain period of time.

The user inputs the same data as the predetermined access data (stored in the member DB) stored in the integrated server 10 into the securities dispenser 20 and proceeds with a predetermined procedure, thereby cash corresponding to the cashback points accumulated so far. And securities such as gift certificates, vouchers or exchange vouchers.

The integrated server 10 collects the mileage obtained as a result of the purchase activity performed by the user off-line and predetermined cyber money acquired according to the use of electronic commerce, advertisement, and game of users connected through the network communication network 10. Earn (stored in the cacheback point management DB), and manages the member information (stored in the member DB) of the users who are members, and if the user's request through the securities dispenser 20 to the accumulated cashback points Instruct them to pay the security at their face value.

The securities dispenser 20 receives the user's member information and / or authentication information through the input device 22 and whether the user is a legitimate member from the member information DB and the cache backpoint management DB of the integrated server 10 and the user. Display the cash back points accumulated in the output device (24). When the user selects a specific security through the input device 22, the security payer 20 releases the security to the discharge device 26, and transfers the data on the security payment to the integrated server 10. do. The changed cache backpoint information is updated in the cacheback point management DB.

3 is a block diagram showing in detail the configuration of the integrated server 10 in FIG.

As shown in the drawing, the input / output unit 18 receives data from various operations and management programs such as a plurality of user terminal 30 users using the cashback point-based securities payment service from a server operator. 12)

The control unit 12 controls the storage unit 16 to store an operation / management program input through the input / output unit 18, and stores the member registration data input by the users of the plurality of user terminals 30. It controls to store in, and controls the payment of the security of the users through the security dispenser (20).

The storage unit 16 stores and updates an operation / management program input through the input / output unit 18, member information input by users of the plurality of user terminals 30, and cache backpoint related information under the control of the control unit 12. do.

The communication unit 14 receives the user terminal 30 or the user's communication connection through the integrated server 10 or receives the member information data or the security payment request signal input through the securities dispenser 20. ), And outputs the data related to the cashback point to the user terminal 30 or the security issuer (20).

4 is a conceptual diagram showing a system configuration for satisfying the need to secure a security by integrating different cashback points when two or more sources of cashback points. 4 differs in that a plurality of member company servers 40 are line connected to FIG. 2 and the user terminal 30 is not necessarily directly connected to the integrated server 10. That is, the user terminal 30 is the purpose of withdrawal of membership and how much cashback points are accumulated in the member server server 40 which is a member in the integrated server 10 as a member, how the securities exchange history is. It is preferable to directly connect to the integrated server 10 only for checking whether there is.

The network communication network 15 is a communication network such as the Internet, and connects a communication line between the plurality of user terminals 30 and the plurality of member company servers 40 and the plurality of member company servers 40 and the integrated server 10. By doing so, data communication related to cashback point accumulation and securities payment is made.

In the plurality of user terminals 30, a communication environment is established so as to be able to communicate with a plurality of member company servers 40 connected to the network communication network 15. The user accesses the member company server 40 and receives a predetermined cyber money according to the use of e-commerce, advertisements, games, etc. provided by the member company server 40 or purchases goods at an off-line store of the member company. And receive mileage as a benefit. The accumulated amount and use status of the cache backpoint obtained in this way are stored in the cachebackpoint management DB of the member company server 40 and the integrated server 10 storage unit 16.

When the user inputs the same data as the predetermined access data (stored in the member DB) stored in the integrated server 10 to the securities dispenser 20, the cashback point for every member company server 40 in which the user is a member. The accumulated status of is inquired and displayed on the output device (24). The user is provided with the cashback points accumulated in all or part of the member company server 40 by converting them into securities such as cash, gift certificates, use rights, or exchange vouchers.

The integrated server 10 is notified and stored the accumulated cash back points according to various actions in the on-offline of users connected to the member company server 40 through the network communication network (10) to the cache backpoint management DB Stored), and manages the member information (stored in the member DB) of the users who are members, and upon the user's request through the securities dispenser 20, the securities of the face value corresponding to the accumulated cashback points are paid. Instruct them to.

The securities dispenser 20 receives the user's member information and / or authentication information through the input device 22 and whether the user is a legitimate member from the member information DB and the cache backpoint management DB of the integrated server 10 and the user. Display the cash back points accumulated in the output device (24). When the user selects a specific security through the input device 22, the security payer 20 releases the security to the discharge device 26, and transmits the data about the security payment to the integrated server 10 and related information. Transfer to the member company server 40. The changed cache backpoint information is updated in the cacheback point management DB.

5 is a block diagram showing in detail the configuration of the integrated server 10 in FIG.

As shown in the drawing, the input / output unit 18 receives data from various operation and management programs for supporting a plurality of member company server 40 users using a cashback point based securities payment service from a server operator. Output to (12).

The control unit 12 controls the storage unit 16 to store data related to an operation / management program input through the input / output unit 18 and the plurality of member company servers 40 in the storage unit 16, and the user of the plurality of user terminals 30. They control to store the member registration data entered by the storage unit 16, and controls the payment of the security of users through the securities dispenser (20).

The storage unit 16 stores and updates an operation / management program input through the input / output unit 18, member information input by users of the plurality of user terminals 30, and cache backpoint related information under the control of the control unit 12. do.

The communication unit 14 receives the user terminal 30 or the user's communication connection through the integrated server 10 or receives the member information data or the security payment request signal input through the securities dispenser 20. ), And outputs the data related to the cashback point to the user terminal 30 or the security issuer (20).

As described above, according to the cashback point-based security payment method according to the present invention, the user can not only determine the use of the cashback point, but also need to visit an off-line store designated by the website / operating company. There will be no. Thus, not only the freedom of product selection is given, but also there is no inconvenience of off-line store visits.

In addition, according to the present invention, even if a small amount of cashback points are distributed here and there, the securities can be paid by integrating them, thereby improving the utilization of the cashback points.

1 is a conceptual diagram schematically showing the configuration of a system for the consumption of conventional cyber money.

2 is a conceptual diagram showing the configuration of a system for a payment method of a security based on one kind of cashback point.

3 is a block diagram showing in detail the configuration of the integrated server in FIG.

4 is a conceptual diagram showing the configuration of a system for a security payment method based on cash back points when the cash back points are two or more operating companies (websites).

5 is a block diagram showing in detail the configuration of the integrated server in FIG.

[Explanation of symbols on the main parts of the drawings]

10: integrated server 12: control unit

14: communication unit 15: communication network

16 storage unit 18 input and output unit

20: Securities dispenser 22: Input device

24: output device 26: discharge device

30: user terminal 40: member company server

Claims (7)

An integrated server having a member management function, a cache backpoint management function, and a cache backpoint settlement function, a user terminal connected to the integrated server and the Internet, and a predetermined input device and output device connected to the integrated server and the Internet or a dedicated line. As the securities payment method by the device including the securities payer, (A) a cashback point accumulation step in which a user, who is a member, accumulates cashback points in the integrated server through an off-line purchase, purchase through a website, or use of a website; (B) a member verification step in which the integrated server authenticates the user's membership when the user inputs the member information through the input device of the securities dispenser; (C) the cache server information display step of the integrated server to display the current status of the cache back point of the user and the security information corresponding to the user through the output device of the security dispenser; (D) a securities payment step of discharging the securities by the securities dispenser when the user selects the securities through the input device of the securities dispenser; (E) an information update step of updating the current state of the cache backpoint of the user by the integrated server receiving the paid securities information; (F) the connection termination step of stopping the connection effect of the user through the securities dispenser; cashback point based securities payment method comprising a. The method of claim 1, The integrated server A member DB that stores at least the member's name, member number, password, and personal information, and at least the member identification number, cashback point accumulation amount, securities conversion amount, conversion date and time, and cashback conversion information for the conversion location. Securities payment method based on cashback point, characterized in that the point management DB. The method of claim 1, The input device of the securities dispenser is Securities payment method based on cashback point, characterized in that any one or more of a number, a character input device, a card reader or a biometric reader. An integrated server having a member management function, a cache backpoint management function, and a cache backpoint settlement function, a user terminal connected to the integrated server and the Internet, and a predetermined input device and output device connected to the integrated server and the Internet or a dedicated line. As a securities payment method, a securities payment method by a device comprising a plurality of member company servers connected to the integrated server and the integrated server and the Internet or a dedicated line and having a separate member management function, a cache backpoint management function, and a cashback point settlement function (A) If a user who is a member of the integrated server and at least one member company server accumulates cashback points in the member company server through on-offline purchase or website use, A cache backpoint accumulation step of updating cache backpoint information of the integrated server; (B) a member verification step in which the integrated server authenticates the user's membership when the user inputs the member information through the input device of the securities dispenser; (C) the cache server information display step of the integrated server to display the current status of the cash back point for each member company server the user is registered as a member and the security information corresponding thereto through the output device of the security dispenser; (D) a securities payment step of discharging the securities by the securities dispenser when the user selects the securities and the cashback point of the corresponding company server through the input device of the securities dispenser; (E) When the integrated server receiving the selected cache backpoint information and the paid securities information updates the status of the cache backpoint of the user and delivers the update information to the member company server having the cacheback point selected, the company server returns the cacheback of the user. An information update step of updating the point status; (F) the connection termination step of stopping the connection effect of the user through the securities dispenser; cashback point based securities payment method comprising a. The method of claim 4, wherein The integrated server A member DB that stores at least the member's name, member number, password, and personal information, and at least the member identification number, cashback point accumulation amount, securities conversion amount, conversion date and time, and cashback conversion information for the conversion location. Points management DB, at least the member company name, company number, member company server management DB for storing member company server access, authentication information, characterized in that the cash back point-based security payment method. The method of claim 4, wherein The input device of the securities dispenser is Securities payment method based on cashback point, characterized in that any one or more of a number, a character input device, a card reader or a biometric reader. The method of claim 4, wherein The company server A member DB that stores at least the member's name, member number, password, and personal information, and at least the member identification number, cashback point accumulation amount, securities conversion amount, conversion date and time, and cashback conversion information for the conversion location. Point-backed DB, a cashback point-based securities payment method, characterized in that the integrated server information DB that stores at least the integrated server connection, authentication information.