KR20090013456A - System and method for settlement of advertisement fee - Google Patents

Abstract

The present invention relates to a method and a system for calculating an advertising fee, wherein the advertising fee settlement system according to the present invention is based on an advertisement provider affiliated with an advertisement output through a website (or blog). A means for opening a rechargeable account in the name of the website (or blog) operator and calculating an advertisement fee to be paid to the website (or blog) operator when the advertisement is provided through the website (or blog). And a settlement processing unit configured to settle and deposit the advertisement fee to the chargeable account in association with a server managing the chargeable account.

Description

System and Method for Settlement of Advertisement fee}

1 is a diagram illustrating an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

2 is a diagram illustrating an advertisement registration process for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

3 is a diagram illustrating a rechargeable account registration system according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of a rechargeable account ledger information according to an embodiment of the present invention.

5 is a diagram illustrating a structure of a rechargeable account ledger information according to another exemplary embodiment of the present invention.

6 is a diagram illustrating an information providing process for registering (or opening) a rechargeable account according to an exemplary embodiment of the present invention.

7 is a diagram illustrating an information providing process for registering (or opening) a rechargeable account according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of processing a chargeable account as an online account according to an embodiment of the present invention.

9 is a diagram illustrating a configuration of a data processing system for providing an advertisement (or issuing a value) according to an embodiment of the present invention.

10 is a diagram illustrating a process of providing advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

11 is a diagram illustrating a process of providing an advertisement corresponding to advertisement data through a website (or blog) according to an embodiment of the present invention.

12 is a diagram illustrating a process of immediately issuing and processing value information (or value corresponding to value information) corresponding to value data through a website (or blog) according to an embodiment of the present invention.

13 is a diagram illustrating a process of settlement of a fee amount corresponding to providing an advertisement (or issuing a value) to a website operator through a rechargeable account according to an embodiment of the present invention.

<Description of main parts of drawing>

900: web interface unit 905: web service control unit

910: Web page operation unit 915: Digital content operation unit

920: bulletin board operation unit 925: advertising output control unit

930: Settlement processing unit 935: Data output processing unit

940: keyword information checking unit 945: information receiving unit

950: advertisement data verification unit 955: advertisement provision processing unit

960: Value data confirmation unit 965: Billing processing unit

970: interface provider 975: fee calculation unit

980: Value Issuance Processing Unit 983: Advertising D / B

985: Billing Information D / B 990: Website D / B

993: advertiser server 995: customer terminal

997: value receiving means 145: web server

150: ad server

According to the present invention, when the advertisement provider is affiliated with an advertisement output through a website (or blog), the store stores the chargeable account information opened in the name of the website (or blog) operator in association with the website (or blog) operator information. Commission calculation means for calculating an advertisement fee to be paid to an operator of the website (or blog) when providing an advertisement through a medium, the website (or blog), and the website (or blog) in association with the storage medium. The present invention relates to an advertisement fee settlement system including a settlement processing unit that checks a chargeable account associated with operator information and setstles and deposits the advertisement fee to the chargeable account in association with a server managing the chargeable account.

Internet users have exploded due to the continuous development of information and communication technology, and various marketing techniques for generating profits for the Internet users have already been commercialized.

The most popular marketing technique for the Internet users is a so-called keyword advertisement (or contextual advertisement), which is a word that an advertiser expects his target audience to enter through a predetermined customer terminal. Keyword information, including syllables), or the context (or document content) in a web document (or document content) corresponding to the website (or blog, or personal homepage) whose target audience is primarily expected to visit (or access). When the keyword information corresponding to the index word) is purchased in an auction manner, the method may include providing and outputting at least one advertisement data matching the keyword information to a customer terminal used by the target customers.

The keyword advertisement (or contextual advertisement) has a feature of inducing a customer to access the advertiser's online store (or advertisement website), compared to the conventional banner advertisement, and thereby, the conventional offline advertisement (or advertisement using mass media). It is forming an advertising market that contrasts with that.

However, not all customers who access the advertiser's online store (or advertisement website) make a purchase, and thus, the advertiser is required to pay an advertisement fee to an advertisement provider unnecessarily even for a simple visiting customer. have.

In addition, a website operator who exposes the advertiser's advertisement through his website (or blog or personal homepage) also receives an advertisement fee corresponding to a portion of the advertisement fee, wherein the settlement method is used in place of real currency. It is common to settle in the form of points (or cyber money), and it is difficult to convert the points (or cyber money) to the value of real money.

According to another settlement method, the advertisement provider may settle the advertisement fee through a physical check, which is inconvenient because the method of delivering the check to the website operator is inconvenient because of the conventional postal system. There is always the risk of loss.

According to another settlement method, the advertisement provider may settle the advertisement fee into a real account in the name of the website operator, in which case a separate transfer fee for settlement of the advertisement fee is generated, as well as the website operator. By exposing the account information to the outside, a fatal problem may occur that the financial account of the website operator is stolen or misused.

An object of the present invention for solving the above problems is, when an advertisement provider is affiliated with an advertisement output through a website (or blog), in the name of the operator of the website (or blog) operator whose mother account is the parent account Rechargeable account opening means for opening an account, Fee calculation means for calculating an advertising fee to be paid to the website (or blog) operator when the advertisement is provided through the website (or blog), and Rechargeable account It is to provide an advertisement fee settlement system having a settlement processing means for settingtle and deposit the advertisement fee to the chargeable account in association with the server to manage.

In the advertisement fee settlement system according to the present invention, when an advertisement provider cooperates with an advertisement output through a website (or a blog), a chargeable account in the name of the website (or blog) operator whose mother account is the advertisement account is used as a parent account. Means for establishing a rechargeable account opening means, a fee calculation means for calculating an advertisement fee to be paid to the website (or blog) operator when providing an advertisement through the website (or blog), and managing the rechargeable account. It is characterized in that it is provided with a settlement processing means for depositing the payment of the advertising fee to the chargeable account in connection with the server.

Meanwhile, in the advertisement fee settlement system according to the present invention, when an advertisement provider is affiliated with an advertisement output through a website (or a blog), the rechargeable account information opened in the name of the website (or blog) operator is displayed on the website (or blog). A storage medium stored in association with the operator information, commission calculation means for calculating an advertisement fee to be paid to the website (or blog) operator when the advertisement is provided through the website (or blog), and the storage medium; And a settlement processing unit that checks a chargeable account associated with the website (or blog) operator information in connection with the payment information and settles and deposits the advertisement fee to the chargeable account in connection with a server managing the chargeable account. Characterized in that made.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined advertiser terminal 140 (or an advertising agent terminal) accesses a server on a data processing system through a predetermined communication network to provide at least one contextual advertisement (or keyword advertisement). If the server provides advertisement registration information including at least one information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing the value), In the advertisement data registration system configuration for storing the advertisement registration information provided from the advertiser terminal 140 in the advertisement D / B 135 provided on the data processing system, it is common in the art If you have the knowledge, the contextual advertisement (or Would be able to infer a variety of exemplary methods for the advertisement data registration system for a word ad) provided, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means and / or functional configuration for storing advertisement registration information provided from the advertiser terminal 140 in the advertisement D / B 135 on the advertisement data registration system shown in FIG. The component is referred to as " ad registration server 100 " for convenience, and the ad registration server 100 is the same server as the web server 145 (or the ad server 150) provided in the data processing system shown in FIG. Or a component constituting the web server 145 (or the ad server 150), or a separate server associated with the web server 145 (or the ad server 150). The present invention is not limited by this.

Referring to FIG. 1 according to an embodiment of the present invention, an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to the present invention includes at least one advertiser terminal 140 connected to a predetermined communication network, and At least one of predetermined advertiser information and keyword information transmitted from the advertiser terminal 140, at least one or more advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or value issuance). The advertisement D / B 135 storing the advertisement registration information including the above information and the advertisement terminal 140 are connected to the advertiser terminal 140 through a predetermined communication network, and the advertisement registration information transmitted from the advertiser terminal 140 through the communication network. It is characterized in that it comprises an advertisement registration server 100 to receive and store in the advertisement D / B (135).

The advertiser terminal 140 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). It comprises at least one wired terminal including a desktop computer and / or laptop connected to the advertisement registration server 100 via a communication, and / or a mobile communication network based on code division multiple access (CDMA) (or HSDPA) A mobile communication terminal connected to a High Speed Downlink Packet Access (Mobile Speed Network) -based mobile communication network, and / or a mobile Internet terminal connected to an IEEE 802.16x-based high-speed wireless Internet, and / or an IEEE 802.11x-based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the advertiser terminal 140 is Outputting at least one advertisement registration interface screen provided by the high registration server 100, and inputting and / or selecting at least one information through the advertisement registration interface screen to transmit the advertisement registration interface screen to the advertisement registration server 100. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the advertiser terminal 140 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

When the advertiser terminal 140 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the advertiser terminal 140 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The advertisement D / B 135 provided on the data processing system according to the present invention includes predetermined advertiser information and keyword information transmitted from the advertiser terminal 140 and at least one advertisement data and value data associated with the keyword. And advertisement registration information including at least one deposit information and billing policy information for the advertisement provision (or value issuance), wherein the advertisement registration information is at least one in the data processing system shown in FIG. It is used to provide an advertisement corresponding to the advertisement data to the above client terminal (or customer), or to issue value information (or value corresponding to the value information) corresponding to the value data to the value receiving means of the private interest customer. It features.

According to the exemplary embodiment of the present invention, the advertisement registration server 100 establishes a predetermined communication channel with the advertiser terminal 140 through the communication network in order to provide a web interface corresponding to the advertiser terminal 140 and the communication network. It characterized in that it comprises an interface unit 105 for connecting and managing, whereby the advertisement registration server 100 is a web server that is connected to the advertiser terminal 140 via a wired communication network and / or a wireless communication network ( 145).

According to an exemplary embodiment of the present invention, when the advertiser terminal 140 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 105 may connect the advertiser terminal 140 and the HTTP ( Connect a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and the advertisement registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the advertiser terminal 140 through the communication channel. Transmits and outputs a provided screen, predetermined advertiser information and keyword information inputted from the advertiser terminal 140 through the advertisement registration interface screen, at least one advertisement data and value data associated with the keyword, and Receive and process advertisement registration information including at least one deposit information and billing policy information for the advertisement provision (or value issuance). It is preferable to perform this function.

According to another exemplary embodiment of the present invention, when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the advertiser terminal 140 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the advertisement in the form of WML (Wireless Markup Language) and / or HTML compatible document to the advertiser terminal 140 through the communication channel. Transmits and outputs a registration interface screen and / or an information providing screen, predetermined advertiser information, keyword information corresponding to the advertisement registration interface screen, and at least one advertisement data and value associated with the keyword from the advertiser terminal 140 Advertisements including at least one or more deposit information and billing policy information for the data and the advertisement provision (or value issuance) To carry out the functions of: receiving process information is preferred.

According to another exemplary embodiment of the present invention, when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the advertiser terminal 140. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined advertisement registration interface screen and / or information providing screen to the advertiser terminal 140 through the communication channel. Predetermined advertiser information corresponding to the advertisement registration interface screen, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information for providing the advertisement (or issuing value) from the advertiser terminal 140. And receiving and processing advertisement registration information including at least one charging policy information. Preferably, or when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x-based wireless communication network, the interface unit 105 complies with the advertiser terminal 140 and the IEEE 802.11x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined advertisement registration interface screen and / or information providing screen to the advertiser terminal 140 through the communication channel, and output the advertisement terminal 140. It is preferable to perform a function of receiving and processing predetermined advertisement registration information corresponding to the advertisement registration interface screen.

Referring to FIG. 1, the advertisement registration server 100 is connected to the interface unit 105 when a predetermined advertiser terminal 140 accesses the advertisement registration server 100 through the interface unit 105. The advertiser terminal 140 includes at least one predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing a value). The interface providing unit 110 for generating (or extracting) a predetermined advertisement registration interface screen for inputting (or selecting) and transmitting the advertisement registration information to the advertisement terminal information, and the advertiser terminal in cooperation with the interface unit 105. An information receiving unit 115 for receiving advertisement registration information inputted (or selected) through the advertisement registration interface screen and transmitted; And an information storage unit 120 for storing advertisement registration information in the advertisement D / B 135, and confirming that an amount corresponding to the deposit information included in the received advertisement registration information is deposited. A billing processing confirming unit 125 and a billing processing confirming unit for verifying a billing processing validity for billing a predetermined advertising amount from the deposit according to billing policy information corresponding to the advertisement data included in the received advertisement registration information; 130) is preferably provided.

The interface providing unit 110, when a predetermined advertiser terminal 140 is connected to the advertisement registration server 100 through the interface unit 105, the functional configuration (for example, advertisers) provided in the advertiser terminal 140 Browser information provided in the terminal 140), predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy for providing the advertisement (or issuing a value). Generate a predetermined advertisement registration interface screen for inputting (or selecting) advertisement registration information including at least one information and transmitting the advertisement registration information to the advertisement registration server 100 through the communication network, and / or a predetermined database (shown in FIG. And the advertisement registration interface screen generated (or extracted) in cooperation with the interface unit 105. A it characterized by being provided to the advertiser terminal 140 through.

According to an embodiment of the present invention, the advertisement registration interface screen inputs advertiser information, keyword information, advertisement data and value data corresponding to the advertisement registration information, and deposit information for providing the advertisement (or issuing a value). It is preferable to include a user interface for inputting (or selecting) the advertising price information and the billing method corresponding to the billing policy information.

According to another exemplary embodiment of the present invention, the advertisement registration interface screen inputs advertiser information, keyword information, advertisement data and value data corresponding to the advertisement registration information, and deposit information for providing the advertisement (or issuing a value). The user interface may include a user interface for inputting (or selecting) the advertisement price information and the charging method according to a predetermined charging policy.

Thereafter, the advertiser terminal 140 based on the advertisement registration interface screen, predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and a deposit for providing the advertisement (or issuing a value). Advertisement registration information including at least one information and billing policy information is input (or selected), and when it is confirmed that the advertisement registration information is input (or selected), the advertiser terminal 140 inputs the information through the communication network. (Or selected) the advertisement registration information is transmitted to the advertisement registration server 100.

Those skilled in the art to which the present invention pertains, the advertiser information through the at least one form (Form) form included in the advertisement registration interface screen in the advertiser terminal 140 and the keyword and A technical feature for inputting (or selecting) advertisement registration information including at least one or more advertisement data and value data associated therewith and deposit information and charging policy information for providing the advertisement (or issuing the value); Since the technical features of transmitting the input (or selected) advertisement registration information to the advertisement registration server 100 through a communication protocol are provided, detailed description thereof will be omitted for convenience.

The information receiver 115 provides predetermined advertisement information, keyword information, at least one advertisement data and value data associated with the keyword, and the advertisement (or value issuance) through the advertisement registration interface screen in the advertiser terminal 140. Inputting (or selecting) advertisement registration information including at least one deposit information and charging policy information for transmission) and transmitting the advertisement registration information through the communication network to receive the advertisement registration information in association with the interface unit 105. It is done.

In this case, the advertiser information may include store (or shopping mall) information of an advertiser and / or the advertiser store (or shopping mall) for providing advertisement data associated with the keyword information to at least one or more customer terminals through the data processing system illustrated in FIG. 9. Shopping malls) and at least one representative product (or service) information for sale.

The keyword information may include at least one or more words (or syllables) associated with the advertisement data, among the contexts (or index terms) of at least one or more web document (or document content) contents provided to at least one or more customer terminals, or by the advertiser. It is preferable to include at least one or more words (or syllables) for identifying a customer terminal for providing the advertisement data.

The advertisement data may be matched with the keyword information in the context (or index word) included in at least one web document (or document content) content provided to at least one or more customer terminals in the data processing system illustrated in FIG. 9. At least one advertisement data to be transmitted to the customer terminal is preferably included.

According to an embodiment of the present invention, the advertisement data preferably includes advertiser Uniform Resource Locator (URL) information for the advertiser's online store (or advertisement website).

After the advertisement data is provided to the customer terminal through the data processing system shown in FIG. 9, when the advertisement data is clicked on the customer terminal, the data processing system is connected to the online information of the advertiser corresponding to the customer terminal and the advertiser URL information. It is desirable to link the store (or advertising website).

The value data includes coupon information, coupon information, discount coupon information, ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc. that the advertiser will provide to the customer. Value information (or a value corresponding to the value information) including at least one of the value and value issuance data (e.g., to be provided to the customer terminal for issuing the value information (or value corresponding to the value information) to the customer. Icon data for value issuance, value issue image content data, and the like).

After the value data is provided to the customer terminal through the data processing system shown in Fig. 9, when the customer terminal clicks on the value data (e.g., the value issuance data provided to the customer terminal), a predetermined value issuance server (e.g., A server affiliated with any one of the web server 145 (or the ad server 150) to the advertiser server, or the web server 145 (or the ad server 150) to the advertiser server shown in FIG. ) The predetermined value information (or value corresponding to the value information) corresponding to the value data from the customer value receiving means (e.g., customer wireless terminal (mobile phone, etc.), e-mail address, messenger ID, etc.) Coupon information, ticket information, discount ticket information, ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc.). The.

Those skilled in the art will be able to infer various value data according to the intention of those skilled in the art in addition to the above-described value data, and the present invention includes all kinds of value data inferred. It is characterized by.

The deposit information for providing the advertisement (or issuing the value) may include requesting the client terminal after at least one advertisement data matching the keyword information is provided to the at least one client terminal through the data processing system shown in FIG. 9. When the advertisement provision (or value issuance) is confirmed by the above, it is preferable that the advertisement information (or value issuance) is included, including the amount information pre-deposited by the advertiser in order to pay a predetermined advertisement amount corresponding to the advertisement provision (or value issue). According to the intention of the depositor (or advertiser) information that deposits the amount and preferably the account information (or virtual account information) in which the amount is deposited is preferably made.

The charging policy information for the advertisement provision (or value issuance) is determined by the data processing system shown in FIG. 9, when the advertisement provision (or value issuance) is confirmed, among the deposits deposited by the advertiser. It is preferable that the policy information for charging the amount corresponding to the advertisement provision (or value issuance) to the advertisement amount.

When the advertisement registration information is received through the information receiving unit 115, the deposit confirmation unit 125 is the account information (or virtual account) in which the deposit is deposited among the deposit information included in the advertisement registration information through a predetermined communication network. And the advertiser as a depositor in the account (or virtual account) in connection with the financial company server 155 corresponding to the information).

According to the embodiment of the present invention, if it is not confirmed that the amount corresponding to the deposit information included in the advertisement registration information is deposited, it is preferable that a keyword advertisement corresponding to the advertisement registration information is not provided.

The billing processing checker 130 is included in the advertisement registration information in connection with a web server 145 (or an advertisement server 150) that provides a keyword advertisement corresponding to the advertisement registration information, or an advertiser server (not shown). And a billing processing validity for charging a predetermined advertising amount to the charging policy information according to the advertisement provision (or issuing value) corresponding to the advertisement data.

According to one embodiment of the present invention, the billing processing checker 130 preferably checks whether the online store (or advertisement website) corresponding to the advertiser URL information is a website accessible from the customer terminal.

Alternatively, the billing processing checker 130 may purchase a predetermined product (or service) by the customer in connection with the online store (or advertisement website) in the data processing system shown in FIG. It is desirable to see if it is possible to track (or verify) the action in real time (or periodically).

According to another exemplary embodiment of the present invention, the billing processing checker 130 may have a value corresponding to the value information (or value corresponding to the value information) to the web server 145 (or the advertisement server 150). To provide information (or value corresponding to the value information) to the value receiving means of the customer, and to confirm whether the value information (or value corresponding to the value information) can be effectively provided to the customer. It is preferable.

Alternatively, the billing processing confirmation unit 130 is value information corresponding to the value information (or value corresponding to the value information) to the value receiving means of the customer in connection with the advertiser server in the data processing system shown in FIG. It is desirable to ensure that it is possible to track (or verify) in real time (or periodically) that the (or value corresponding to value information) is provided.

Those skilled in the art to which the present invention pertains, in addition to the above-described billing validation method, check the billing validity corresponding to the advertisement provision (or value issuance) according to the characteristics and billing policy of the advertisement data. Various methods for inferring will be inferred, and the present invention is not limited by the charging processing validation method.

The information storage unit 120 includes at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing a value). Characterized in that the advertisement registration information is stored in the advertisement D / B (135).

2 is a diagram illustrating an advertisement registration process for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

In more detail, in FIG. 2, at least one advertiser terminal 140 of the advertisement data registration system illustrated in FIG. 1 is associated with advertiser information, keyword information, and the keyword to the advertisement registration server 100 through a predetermined communication network. The advertisement registration server 100 advertises the advertisement registration information when the advertisement registration information including at least one or more advertisement data and value data, and deposit information and charge policy information for providing the advertisement (or value issuance) is transmitted. Regarding the process of storing in the D / B 135, those skilled in the art to which the present invention pertains, the advertisement for providing a contextual advertising (or keyword advertising) by referring to and / or modified in the present figure 2 Various implementation methods for the registration process may be inferred, but the present invention includes all implementation methods inferred from the above, and It shall not be limited to the exemplary method.

Hereinafter, in FIG. 2, the advertisement registration server 100 on the advertisement data registration system shown in FIG. 1 will be referred to as "server" for convenience, and the advertiser terminal 140 on the advertisement data registration system shown in FIG. Terminal ".

Referring to FIG. 2, a terminal on the advertisement data registration system illustrated in FIG. 1 connects to a communication channel for providing a context advertisement (or keyword advertisement) by accessing the server through the communication network (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal may access the server according to a communication protocol corresponding to the communication network through a predetermined browser program corresponding to the communication network, thereby providing the contextual advertisement (or keyword advertisement). ) It will be familiar with the technical features of connecting the communication channel for providing, a detailed description thereof will be omitted for convenience.

When the communication channel for providing the contextual advertisement (or keyword advertisement) is connected between the terminal and the server as described above, the terminal displays the advertisement registration interface screen for providing the contextual advertisement (or keyword advertisement) to the server through the communication channel. (205), and correspondingly, the server generates (or extracts) an advertisement registration interface screen including a user interface for inputting (or selecting) the advertisement registration information in the terminal (210), and generates the advertisement. The advertisement registration interface screen (or extracted) is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal receives predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword through the user interface included in the advertisement registration interface screen for inputting (or selecting) the advertisement registration information. And the advertisement registration information including at least one deposit information and the charging policy information for the advertisement provision (or value issuance) is input (or selected).

If the terminal includes at least one advertisement information and keyword information, at least one or more advertisement data and value data associated with the keyword, the advertisement information (or value issuance) deposit information and billing policy information at least one or more; Is input (or selected) (225), the terminal transmits the advertisement registration information to the server via the communication channel (230), and correspondingly the server deposit information contained in the received advertisement registration information; Check the validity of the deposit to determine whether the amount corresponding to the deposit (235).

According to the embodiment of the present invention, the server is linked with the financial company server 155 corresponding to the account information (or virtual account information) in which the deposit is deposited among the deposit information included in the advertisement registration information through a predetermined communication network. It is preferable to check whether the deposit is deposited by using the advertiser as a depositor in the account (or a virtual account).

If the deposit validity is not confirmed (240), the server deactivates the contextual advertisement (or keyword advertising) for the advertisement registration information (255) until the deposit validity is confirmed (255), the advertisement D / B ( 135) advertisement registration information including at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing a value). 265, and when the deposit validity is confirmed, it is preferable that the context advertisement (or keyword advertisement) for the advertisement registration information is activated.

On the other hand, if the deposit validity is confirmed (240), the server receives a predetermined amount of advertising corresponding to the advertisement provision (or value issuance) from the deposit in accordance with the charging policy information corresponding to the advertisement data included in the advertisement registration information Checking the validity of the billing process for billing (240).

If the billing processing validity is not confirmed (240), the server deactivates the contextual advertisement (or keyword advertising) for the advertisement registration information (255) until the billing processing validity is confirmed (255), the advertisement D / The advertisement registration in B (135) includes at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and the deposit information and billing policy information for the advertisement provision (or value issuance) After the information is stored (265) and the validity of the billing process is confirmed, it is preferable that the context advertisement (or keyword advertisement) for the advertisement registration information is activated.

On the other hand, if the billing processing validity is confirmed (240), the server activates the contextual advertising (or keyword advertising) for the advertisement registration information (260), and then the advertiser information and keywords in the advertisement D / B (135) The advertisement registration information including information, at least one or more advertisement data and value data associated with the keyword, and at least one deposit information and billing policy information for providing the advertisement (or value issuance) is stored (265).

3 is a diagram illustrating a charging account registration system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates that the predetermined website operator terminal 360 provides the rechargeable account registration information for registering the rechargeable account through the predetermined network means to the predetermined rechargeable account registration server 300. The rechargeable account registration server 300 provides the rechargeable account application information provided from the website operator terminal 360 to a predetermined information processing server 340 provided at a predetermined financial institution, thereby providing the information processing server 340. ) Is a system configuration for opening a chargeable account in the form of an online account corresponding to the chargeable account application information, and specifically, a chargeable account in the form of an online account having an actual account of the online account registrar as a parent account. It shows an implementation method.

Those skilled in the art to which the present invention pertains may refer to, and / or modify, this figure 3, in addition to a rechargeable account in the form of an online account having the real account of an online account registrar including the advertisement provider as a parent account. Although it is possible to infer an implementation method for a system for registering various types of chargeable accounts, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to the present invention, the rechargeable account is operated so that the deposit amount is deposited in a charging manner when depositing transactions for an account opened online without real name verification, and is charged during withdrawal financial transaction (or payment) for the account. An account that is operated to withdraw money from the rechargeable account in the manner of using gold, which is a real account of a specific real account (e.g., an online account registrar including an advertisement provider, or a financial institution that operates the rechargeable account). Register (or open) an account in the form of an online account with a real account or a real account in the name of the website operator, or register (or open) a network prepaid card that supports the recharge (or use of repayment) method. 3, the chargeable account is a mother account of the real account of the online account registrar. The technical features of the rechargeable account will be described clearly by showing an implementation method of registering (or opening) the rechargeable account in the form of an online account.

That is, when the rechargeable account is registered in the form of an online account, the mother account of the online account operates the rechargeable account in addition to the real account of the online account registrar including the advertisement provider as shown in the present embodiment. It is possible to register using a real account of a financial institution, or a real account of a website operator who applies for registration of the rechargeable account as a parent account, and the present invention is not limited thereto.

Alternatively, the rechargeable account may be registered in the form of a network prepaid card in addition to the rechargeable account in the online account form, or the rechargeable account may be registered in the form of a real account in which real name authentication is confirmed. The present invention is not limited.

Referring to FIG. 3 according to an embodiment of the present invention, a rechargeable account registration system for registering a rechargeable account in the form of an online account having a real account operated by an online account registrar including the advertisement provider, Connect to a predetermined rechargeable account registration server 300 through a predetermined network means to request a registered account (or open), and the predetermined rechargeable account application information corresponding to the registered account (or open). The website operator terminal 360 for providing the chargeable account registration server 300 with the website operator terminal 360 through a predetermined network means and the predetermined number from the website operator terminal 360. Receiving type of account information, the charging system for providing the received account information to the information processing server 340 provided in a predetermined financial institution It is connected to the left registration server 300, the rechargeable account registration server 300 through a predetermined communication means to receive the rechargeable account application information from the rechargeable account registration server 300, the received charge It is provided with an information processing server 340 for registering (or opening) a chargeable account in the name of the website operator based on the type account application information, and a financial system for operating the chargeable account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one website operator, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or And an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial account is operated by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If applicable, it is processed effectively.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a face-to-face financial transaction service for at least one website operator.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one website operator.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more website operators through a laptop and / or portable terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (e.g., a wireless data communication network based on a DataTAC / Mobitex method). Provide non-face-to-face financial transaction services to at least one website operator through a Global System for Mobile terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics). to provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one website operator via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one or more website operators via a smartphone or the like.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one website operator.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server Non-face-to-face financial transaction services to at least one website operator through a terrestrial DMB terminal.

According to the present invention, a website operator for registering a predetermined rechargeable account through an online channel may include at least one website operator terminal 360 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. It is connected to the rechargeable account registration server 300 through), and receives a variety of application services provided by the rechargeable account registration server 300.

Here, the wired terminal connected to the wired communication network of the website operator terminal 360 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It comprises a wireless data communication terminal connected to a communication network including at least one are preferred.

The rechargeable account registration server 300 includes at least one information / content to the website operator terminal 360 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network. Portal server and / or search server that provides a personalized service, and / or mail service, and / or messenger service, and / or various information providing services, including search service, and / or minihompy / blog It is preferable to comprise a.

According to the present invention, the information providing service provided by the rechargeable account registration server 300 to the website operator terminal 360 includes at least one requesting a new establishment from the financial institution to at least one website operator online. And at least one rechargeable account description information.

In addition, the rechargeable account registration server 300 is the website operator terminal through the network means including the wired and / or wireless communication network at least one user interface for registering the rechargeable account to the website operator terminal And the website operator terminal 360 inputs (or selects) predetermined chargeable account application information for registering the chargeable account through the user interface. And / or transmit to the rechargeable account registration server 300 through a network means including a wireless communication network.

To this end, the website operator terminal 360 outputs at least one user interface provided from the rechargeable account registration server 300, and inputs at least one rechargeable account application information through the user interface. Or a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the rechargeable account registration server 300, etc.) for selection and transmission to the rechargeable account registration server 300. It is preferable that it is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the rechargeable account registration server 300 as described above, and apply for at least one or more rechargeable account through the user interface. Features of the website operator terminal 360 corresponding to at least one or more wired and / or wireless terminals that input and / or select information to be transmitted to the rechargeable account registration server 300 may be easily inferred. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the rechargeable account registration server 300 is provided with an interface unit 305 for connecting and managing a predetermined communication channel with the website operator terminal 360 through the network means. It is characterized by.

According to one embodiment of the present invention, when the website operator terminal 360 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 305 is connected to the wired terminal. Connect a predetermined communication channel with the website operator terminal 360 based on a protocol stack defined in a network and / or a wireless network, and establish a communication protocol defined in a communication program included in the website operator terminal 360. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the website operator terminal 360 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 may be configured to execute the website operator terminal based on the TCP / IP protocol. And a communication channel, and provide a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program. .

Alternatively, when the website operator terminal 360 is provided with a communication program provided by the rechargeable account registration server 300, the interface unit 305 is the website operator terminal based on the TCP / IP protocol. It connects the communication channel 360 and a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the website operator terminal 360 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on a protocol stack defined in the wireless network. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the website operator terminal 360 and using a communication protocol defined in a communication program included in the website operator terminal 360. It is desirable to provide an interface.

For example, when the website operator terminal 360 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 305 is based on the CDMA protocol. Connecting a communication channel with the website operator terminal 360 and using a WAP / ME protocol defined in the browser program, a web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / Or it provides a communication interface for transmitting and receiving information.

Referring to FIG. 3, the rechargeable account registration server 300 may be connected to and / or charged by a predetermined website operator terminal 360 through the interface unit 305 to the rechargeable account registration server 300. When applying for an account registration (or opening), a predetermined user interface is generated so that the website operator terminal 360 inputs (or selects) and transmits predetermined charge-type account application information in cooperation with the interface unit 305. (Or extracted from a predetermined web source D / B (not shown)) and provided to the website operator terminal 360, the interface providing unit 310, and in conjunction with the interface unit 305, the website operator terminal The information receiving unit 320 for receiving the predetermined chargeable account application information to be input (or selected) and transmitted through the user interface at 360, and the received chargeable account application information through a predetermined communication; Characterized in that formed by an information relay section 330 provided to the information processing server 340 is provided in the financial institution via the means.

In addition, the rechargeable account registration server 300 in conjunction with the interface unit 305 to the at least one website operator terminal 360, a search service including at least one or more information / content, and / or minihompy / And a web service unit 315 for providing a web-based service including at least one of a personalization service including a blog, and / or a mail service, and / or a messenger service, and / or various information providing services. For those of ordinary skill in the art to which the present invention pertains, the rechargeable account registration server 300 performs at least one website operator terminal 360 to perform a function of a portal server and / or a search server. Since you will be familiar with the method of providing the web-based service, detailed description thereof will be omitted for convenience.

In addition, the rechargeable account registration server 300 is the website operator terminal 360 through the information receiving unit 320 for the post-management of the chargeable account application information received through the information receiving unit 320. Rechargeable account issuance information including the chargeable account application information received from, or at least one or more of the chargeable account information generated by the information processing server 340 based on the chargeable account application information predetermined It is characterized in that it further comprises an information storage unit 325 to be stored in the chargeable account D / B (335), wherein the chargeable account issuing information is the chargeable account application information and the chargeable account application information In addition to the rechargeable account information registered (or opened) based on the rechargeable account security information and the online account received from the website operator terminal 360 It is preferable to further include at least one or more attribute information.

The interface provider 310 requests a website operator terminal 360 to access the rechargeable account registration server 300 and / or register (or open) a rechargeable account through the interface unit 305. In response to the functional configuration provided in the website operator terminal 360, the predetermined account input information (or selected) that can be transmitted to the rechargeable account registration server 300 via the network means (or selected) A user who creates a user interface and / or extracts it from a predetermined database (not shown), and works in conjunction with the interface unit 305 to generate the user interface (or extracts it from a predetermined web source D / B (not shown)). An interface is provided to the website operator terminal 360 via the network means.

Thereafter, the website operator terminal 360 inputs (or selects) the rechargeable account application information based on the user interface, and inputs the input (or selected) rechargeable account application information through the network means. The rechargeable account registration server 300 is transmitted.

According to an embodiment of the present invention, when the website operator terminal 360 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 310 may include a browser program and / or provided in the wired terminal. Generate a predetermined user interface that can be provided by a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (shown) through the interface unit 305. It is preferable to provide the user interface extracted from the) to the website operator terminal 360.

According to another exemplary embodiment of the present invention, when the website operator terminal 360 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 may include a browser program provided in the wireless terminal and / or Alternatively, a predetermined user interface that can be provided by a communication program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B ( It is preferable to provide a user interface extracted from the drawing) to the website operator terminal 360.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined rechargeable account application information from the website operator terminal 360 in the rechargeable account registration server 300 may include at least one charge. It is preferable that the website operator comprises an interface for selecting at least one or more rechargeable account to apply for.

In addition, when the chargeable account corresponding to the chargeable account application information corresponds to a chargeable account in the form of free and withdrawal, the user interface for receiving (or selecting) the chargeable account application information may be provided to the chargeable account. And an interface for outputting the detailed account information, such as the corresponding rechargeable account name and interest rate information, to the website operator terminal 360 and confirming that the website operator has confirmed the rechargeable account detail information. It is preferable to make it.

In addition, the user interface for inputting (or selecting) the rechargeable account application information, outputs the terms and conditions information corresponding to the rechargeable account to the website operator terminal 360, the website operator to the terms It is desirable to include an agreed interface.

The user interface for inputting (or selecting) the rechargeable account application information may include website operator personal information (e.g., customer name, social security number, telephone number, mobile phone) for the website operator applying for the rechargeable account application. Enter (or select) a number, address, e-mail address, etc., and / or input the website operator member information (eg, ID information, password information) provided in the rechargeable account registration server 300 (or It is preferable to include an interface).

Thereafter, the website operator terminal 360 may include at least one rechargeable account selection information for selecting at least one rechargeable account to which the website operator applies (or purchases) from among a plurality of rechargeable accounts through the user interface, and Input (or select) the chargeable account application information including at least one or more terms and conditions agreement information corresponding to the chargeable account and customer information for the operator of the chargeable account application website, and enter the chargeable account through the network means. The registration server 300 transmits.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the rechargeable account application information may include an account password for a rechargeable account corresponding to the rechargeable account application information, and / or the rechargeable account. Preferably, the method further comprises an interface for inputting (or selecting) at least one or more rechargeable account security information (eg, password, or personal identification number (PIN) information).

When an interface for inputting (or selecting) at least one rechargeable account security information is provided to the website operator terminal 360, the website operator terminal 360 may provide the rechargeable account security information through the interface. After inputting (or selecting), the input (or selection) of the rechargeable account security information is transmitted to the rechargeable account registration server 300 through the network means, or the rechargeable account application information is stored in the rechargeable type. It further comprises account security information and transmits to the rechargeable account registration server 300 via the network means.

If the rechargeable account security information is included in the rechargeable account security information, the confidentiality, authentication, integrity and nonrepudiation of the rechargeable account security information are secured. In order to secure the rechargeable account security information (or the rechargeable account application information including the rechargeable account security information) is preferably encrypted by a predetermined encryption method is transmitted to the rechargeable account registration server 300.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the rechargeable account application information may include inputting online account attribute information for processing the rechargeable account to be registered (or opened) in the form of an online account. It is preferable that the interface further comprises (or selects) an interface.

When an interface for inputting (or selecting) the online account attribute information is provided to the website operator terminal 360, the website operator terminal 360 inputs (or selects) the online account attribute information through the interface. Thereafter, the input (or selected) online account attribute information is transmitted to the rechargeable account registration server 300 through the network means, or the online account attribute information is further included in the rechargeable account application information. Transfer to the rechargeable account registration server 300 via a network means.

Here, the online account attribute information may be used to process the linked account with a single parent account (or real account), or an account attribute to enable a financial transaction (or payment) process without checking the real name of the rechargeable account. It is preferable to include at least one or more information (for example, virtual account attribute or prepaid card attribute).

When the website operator terminal 360 inputs (or selects) predetermined charge-type account application information through the user interface and transmits the information through the network means, the information receiver 320 is connected to the interface unit 305. And receiving the chargeable account application information by interworking, and provides the received chargeable account application information to the information relay unit 330 and / or the information storage unit 325.

Here, the chargeable account application information corresponds to chargeable account selection information for selecting at least one or more chargeable accounts that the website operator applies (or purchases) from the plurality of chargeable accounts, and the chargeable account. It is preferable that the information including at least one agreement.

In addition, the website operator terminal 360 inputs (or selects) predetermined charge-type account security information through the user interface and transmits it through the network means, or the website operator terminal 360 charges the charge. When the type account security information is included in the chargeable account application information and transmitted, the information receiving unit 320 may be connected with the interface unit 305 to receive the chargeable account security information. The rechargeable account security information is provided to the information relay unit 330 and / or the information storage unit 325.

In addition, the website operator terminal 360 inputs (or selects) predetermined online account attribute information through the user interface and transmits it through the network means, or the website operator terminal 360 sends the online account. When the attribute information is included in the chargeable account application information and transmitted, the information receiver 320 receives the online account attribute information in cooperation with the interface unit 305, and receives the received online account attribute. Information is provided to the information relay unit 330 and / or information storage unit 325.

The information storage unit 325 stores the chargeable account application information received through the information receiver 320 in the chargeable account issuing information and stores the predetermined chargeable account D / B 335. In this regard, the rechargeable account registration server 300 (or the operating institution of the rechargeable account registration server 300) is based on the rechargeable account application information stored in the rechargeable account D / B 335 for the financial institution. Provides a basis for receiving a fee from attracting customers from the rechargeable account application.

When the rechargeable account security information is received through the information receiving unit 320, the information storage unit 325 stores the rechargeable account issuing information obtained by linking the rechargeable account security information to the rechargeable account application information. Rechargeable account D / B (335) characterized in that, the rechargeable account security information is the rechargeable account registration server 300 (or financial company server operating the rechargeable account) the rechargeable account It is used to authenticate financial transactions (or payments) using.

When the online account attribute information is received through the information receiving unit 320, the information storage unit 325 reconstructs the online account attribute information obtained by linking the online account attribute information to the rechargeable account application information. It is characterized in that the storage in the D / B (335), the online account attribute information is a financial transaction using the rechargeable account in the rechargeable account registration server 300 (or the financial company server operating the rechargeable account) It is used to authenticate (or payment).

According to the method of the present invention, the information storage unit 325 is opened by the information processing server 340, if a predetermined charge account corresponding to the charge account application information is opened, the charge account registration server ( The chargeable account information opened by the information processing server 340 for the financial transaction (or payment) using the chargeable account in 300 (or the financial company server operating the chargeable account) is charged. In addition to the account issuing information, stored in the rechargeable account D / B (335), or the rechargeable account application information included in the rechargeable account issuing information opened by the information processing server 340 It is preferable to substitute the information, and the present invention is not limited thereby.

Here, the chargeable account information may be a chargeable account number in the form of an online account number generated by the information processing server 340, account holder information corresponding to the customer information included in the chargeable account application information, and the online account. It is preferable that the registration institution information and the financial institution that the charge-type account is opened.

The information relay unit 330 corresponds to the chargeable account (for example, the chargeable account corresponding to the chargeable account) through the predetermined account through the chargeable account application information received through the information receiver 320. It is characterized in that the relay transmission to the information processing server 340 provided in the financial institution in which the account is registered (or opened).

Here, the communication means for connecting the chargeable account registration server 300 and the information processing server 340, the third party other than the chargeable account registration server 300 and the information processing server 340 to block access. A dedicated communication network and / or a secure communication network (for example, the rechargeable account registration server 300) provides a secure communication function between the rechargeable account registration server 300 and the information processing server 340. A communication network encrypted by a predetermined encryption method and transmitted to the information processing server 340, and decrypted by the information processing server 340 through the decryption method corresponding to the encryption method. It is preferable to make.

When the rechargeable account security information is received through the information receiving unit 320, the information relay unit 330 is provided to the financial institution corresponding to the rechargeable account security information through a predetermined communication means. Characterized in that it is relayed to the information processing server 340, whereby the information processing server 340 is the charge-type account security information from the charge-type account registration server 300 to the financial system provided in the financial institution Open a rechargeable account capable of financial transactions (or payment) using the rechargeable account using.

When the online account attribute information is received through the information receiver 320, the information relay unit 330 may provide the online account attribute information to a financial institution corresponding to the rechargeable account through a predetermined communication means. It is characterized in that the transmission to the processing server 340, whereby the information processing server 340 corresponding to the online account attribute information from the charge-type account registration server 300 to the financial system provided in the financial institution Open a rechargeable account that enables financial transactions (or payment) using the rechargeable account.

According to another exemplary embodiment of the present invention, when the information processing server 340 is provided with a chargeable account registration server 300 function, and / or the information processing server 340 is a predetermined banking server, the information is provided. The relay unit 330 connects and relays the website operator terminal 360 and the information processing server 340 so that the chargeable account is received from the website operator terminal 360 at the information processing server 340. It is possible to relay directly to provide a predetermined user interface for receiving application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information), thereby providing the information processing server 340. The rechargeable account application information (or the rechargeable account application information and the rechargeable account security information) from the website operator terminal 360 through a predetermined network means. Is possible, or online account attribute information) to be directly subject, and to which the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one rechargeable account registration server 300 and the information processing server 340 may be relayed between the rechargeable account registration server 300 and the information processing server 340. And / or relay the rechargeable account registration server 300 and the at least one information processing server 340, and / or the at least one rechargeable account registration server 300 and the at least one information processing server ( It is possible that a predetermined relay server (not shown) for relaying 340 is further provided, whereby the present invention is not limited.

Referring to FIG. 3, the information processing server 340 may be charged account application information (or the rechargeable account application information and rechargeable account security information) provided from the rechargeable account registration server 300 through the communication means. Or an online account attribute information receiving unit 345 for receiving online account attribute information and a chargeable account corresponding to the chargeable account application information received through the information receiving unit 345 in connection with a predetermined financial system. And an online account processing unit 355 for processing the opened rechargeable account in the form of an online account using a real account operated by the online account registrar as a parent account.

The information receiving unit 345 is a chargeable account application information (or the chargeable account application information and rechargeable account security information, or online account attribute information provided from the rechargeable account registration server 300 through the communication means) And receiving the received rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information) to the account establishment unit 350.

When the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information) provided from the rechargeable account registration server 300 is encrypted according to an exemplary embodiment of the present invention. Preferably, the information receiving unit 320 further includes a function of decrypting the encrypted rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information).

The account establishment unit 350 is the chargeable account application information (or the chargeable account application information and chargeable account security information, or online account) from the chargeable account registration server 300 through the information receiving unit 345 Attribute information), the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information) is read and the rechargeable account application information is read through a predetermined financial system. (Or the chargeable account application information, chargeable account security information, or online account attribute information) is characterized by opening a chargeable account.

In this case, the account establishment unit 350 opens a rechargeable account corresponding to the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information). A predetermined customer ledger corresponding to the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information) in the ledger D / B provided on the system. And (or may be omitted if registered) and / or at least one rechargeable account ledger (eg, a reception ledger corresponding to the rechargeable account application information).

According to an embodiment of the present invention, the rechargeable account ledger for the rechargeable account corresponding to the rechargeable account application information may correspond to an account ledger corresponding to a newly opened rechargeable account based on the rechargeable account application information. It is preferable to register with the ledger D / B in the form of, and to store information for managing the chargeable account in association with the chargeable ledger.

According to another exemplary embodiment of the present invention, the rechargeable account ledger for the rechargeable account corresponding to the rechargeable account application information corresponds to an online account associated with a predetermined mother account based on the rechargeable account application information. It is preferable to be registered in the ledger D / B in the form of an account ledger, wherein the parent account is to register the customer financial account, or the rechargeable account already opened in the ledger D / B on the financial system It is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the system, by which the present invention is not limited.

That is, the account establishment unit 350 is the rechargeable account application information (or the rechargeable account application information and rechargeable account security information, or online account attribute information) received through the rechargeable account registration server 300 Based on the above, the procedure of opening the rechargeable account in conjunction with the external and / or information system provided in the financial system (for example, the procedure of registering a predetermined rechargeable account ledger) is performed, and the result Provided to the online account processing unit 355.

Those skilled in the art to which the present invention pertains, the account establishment unit 350 is to open the chargeable account in conjunction with the financial system (for example, to register a predetermined charge account ledger) Since you will be familiar with the procedure, a detailed description thereof will be omitted for convenience.

The online account processing unit 355 processes the rechargeable account (or rechargeable account ledger) opened by the account opening unit 350 as an online account using a real account operated by the online account registrar as a parent account. It is characterized by.

According to the method of the present invention, the rechargeable account ledger corresponding to the rechargeable account processed in the form of an online account having a real account operated by the online account registrar has a structure similar to that of the rechargeable account ledger. It is preferable that the online account ledger information is included.

4 is a view showing the configuration of the charge ledger information according to an embodiment of the present invention.

In more detail, Figure 4 is a chargeable account that uses the real account of the online account registrar as the parent account in the ledger information stored in a predetermined ledger D / B 400 provided in the DBMS on the financial system shown in FIG. It is shown that the ledger information including the on-line account attribute information is stored in the ledger, and those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 4, the ledger In the D / B 400, it is possible to infer various information configuration methods for storing the rechargeable account ledger information according to the rechargeable account ledger information in the rechargeable account ledger having the real account of the online account registrar as the parent account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a real account of a financial institution operating the rechargeable account, or the rechargeable account, with reference to the rechargeable account ledger information structure shown in FIG. It is possible to infer the structure of the Rechargeable Account Ledger information corresponding to the registered Rechargeable Account, using the real account of the website operator who applies for registration as a parent account, and further expand the Recharge corresponding to the Rechargeable Account of the network prepaid card type. It is possible to infer the configuration of the type ledger information (for example, the ledger information including (or added) the prepaid card attribute information in the chargeable ledger information), but the present invention includes all the inferred implementation methods. It is done.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 400 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 400 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger for registering a rechargeable account in the form of an online account associated with a mother account which is a real account of the online account registrar through the rechargeable account registration system shown in FIG. An online account type that stores online account registrar customer ledger information for which the online account registrar is a customer, and is linked to a mother account which is a real account of the online account registrar through the rechargeable account registration system shown in FIG. It is preferable to store the information of the customer ledger account of the registered rechargeable account.

Here, the online account registrar customer ledger information and the chargeable account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the chargeable account is the conventional customer of the financial institution. When the ledger D / B 400 is provided with a customer ledger of a customer who opens the chargeable account, the rechargeable account customer ledger preferably uses the customer ledger of the customer as it is.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date and the number of shares, and / or a prize. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the online account registrar is relationally associated with a customer ledger of the online account registrar, and at least one financial account of the financial account of the online account registrar. It is preferable to correspond to the parent account of the online account corresponding to the rechargeable account registered through the rechargeable account registration system shown in FIG.

Here, among the account ledgers of the online account registrar, the account ledger corresponding to the mother account of the online account corresponding to the chargeable account registered through the chargeable account registration system shown in FIG. It is preferred to be connected.

The rechargeable account ledger is connected to the account ledger corresponding to the mother account of the online account corresponding to the chargeable account of the at least one financial account corresponding to the online account registrar, the chargeable account The ledger information includes chargeable account information including an account number for depositing and withdrawing money corresponding to a financial transaction (or payment) to the chargeable account, and the charging method when charging for the chargeable account. Deposit operation information for operating to deposit money into the account, and withdrawal operation information for operating to withdraw money from the recharging account by using a repayment method in a withdrawal financial transaction (or payment) for the recharging account; Characterized in that it comprises a, for interlocking the rechargeable account with the mother account Characterized in that it comprises an information structure that further comprises the mother account number and online account registrar information.

5 is a view showing the configuration of the charge ledger information according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a predetermined rechargeable account ledger stored in a predetermined ledger D / B 500 provided in a DBMS on the financial system shown in FIG. The configuration of information linking a real account of a registrar in the form of an online account as a parent account, and a person of ordinary skill in the art to which the present invention pertains, will refer to and / or modify this drawing 5 to the ledger D. It may be possible to infer a variety of information configuration methods for linking the predetermined account ledger / B (500) in the form of an online account of the real account of the online account registrar through the predetermined online account attribute information, The present invention includes all the above-described inferred methods, and is not limited only to the method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a real account of a financial institution operating the rechargeable account, or the rechargeable account, with reference to the rechargeable account ledger information structure shown in FIG. It is possible to infer the structure of the Rechargeable Account Ledger information corresponding to the registered Rechargeable Account, using the real account of the website operator who applies for registration as a parent account, and further expand the Recharge corresponding to the Rechargeable Account of the network prepaid card type. It is possible to infer the configuration of the type ledger information (for example, the ledger information including (or added) the prepaid card attribute information in the chargeable ledger information), but the present invention includes all the inferred implementation methods. It is done.

Referring to Figure 5 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 500 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 500 includes at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, the customer ledger for registering a rechargeable account in the form of an online account associated with a mother account which is a real account of the online account registrar through the rechargeable account registration system shown in FIG. The online account associated with the mother account which stores the online account registrar customer ledger information of the online account registrar as a customer and serves as a real account of the online account registrar through the rechargeable account registration system shown in FIG. It is preferable to store the recharge account customer ledger information for registering the rechargeable account of the type.

Here, the online account registrar customer ledger information and the chargeable account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer opening the chargeable account is the conventional customer of the financial institution. When the ledger D / B 500 is provided with a customer ledger of a customer who opens the rechargeable account, the rechargeable account customer ledger preferably uses the customer ledger of the customer as it is.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the online account registrar is relationally associated with a customer ledger of the online account registrar, and at least one financial account of the financial account of the online account registrar. Preferably corresponds to a mother account for processing the chargeable account as an online account.

Here, among the account ledgers of the online account registrar, the account ledger corresponding to the mother account of the online account corresponding to the chargeable account registered through the chargeable account registration system shown in FIG. 3 is charged with the online account. It is desirable to be linked to the ledger.

The rechargeable account ledger is a chargeable account information including an account number for depositing and withdrawing money corresponding to a financial transaction (or payment) to the chargeable account, and is charged during the deposit transaction for the rechargeable account Receiving operation information for the operation to deposit the amount to the rechargeable account in a manner, and withdrawing the amount from the rechargeable account in the form of using the repayment during the financial transaction (or payment) for the rechargeable account Rechargeable account ledger information comprising the withdrawal operation information for the chargeable account number corresponding to the chargeable account information, the chargeable account of the financial account of the online account registrar online account At least one mother account number corresponding to the mother account, and the online account registrar information for processing. By including a predetermined online account attribute information as additional information, to the financial account of the account-line registration authority for the charge account type is characterized in that treatment with that online account parent account.

6 is a diagram illustrating an information providing process for registering (or opening) a rechargeable account according to an exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that the website operator terminal 360 provides a predetermined user account application interface from the rechargeable account registration server 300 illustrated in FIG. 3 to the website operator terminal 360. Input (or select) predetermined rechargeable account application information through the rechargeable account application user interface to provide the rechargeable account registration server 300 through a predetermined network means, and provide the rechargeable account registration server. The process of providing the chargeable account application information to the information processing server 340 provided in the financial institution through a predetermined communication means at 300, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, referring to FIG. 6 and / or modified from the website operator terminal 360 to the information processing server 340 through the chargeable account registration server 300. Group would be able to infer a variety of exemplary ways to provide a rechargeable account application information, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, the website operator terminal 360 provides only the chargeable account application information to the chargeable account registration server 300, but it is common knowledge in the art. If the person having a, account properties in addition to the rechargeable account application information in the website operator terminal 360 corresponding to the user interface provided by the rechargeable account registration server 300 to the website operator terminal 360 Although it will be possible to infer an implementation method for providing information, the present invention includes an implementation method for providing the online account attribute information in the website operator terminal 360, whereby the present invention is not limited thereto.

In addition, if the person of ordinary skill in the art to which the present invention belongs, the rechargeable account registration server 300 and the rechargeable account corresponding to the security function provided in the communication means for connecting the information processing server 340 The registered server 300 encrypts the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information), and transmits the encrypted account application information. While it may be possible to infer an implementation method for decrypting account application information (or the rechargeable account application information and rechargeable account security information, or online account attribute information), the present invention includes the inferred implementation method, whereby The present invention is not limited.

Hereinafter, in FIG. 6, the website operator terminal 360 illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the rechargeable account registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 6, the terminal illustrated in FIG. 3 connects to the server via a network means including at least one or more wired and / or wireless communication networks (600), and provides at least one web-based service provided by the server. In using the service (605), at this time, the web-based service screen provided by the server to the terminal preferably includes a menu interface for requesting a predetermined rechargeable account application user interface for registering the rechargeable account.

Accordingly, while the server provides the at least one web-based service to the terminal as described above, the predetermined charge account request user interface for registering the charge account from the terminal requests the charge account application user interface. Periodically check if it is requested (610), if the rechargeable account request interface is requested from the terminal (615), the server generates a predetermined rechargeable account request user interface to provide to the terminal (or a predetermined web source). Extract from D / B (not shown) (620), and provide the charging account application user interface to the mobile terminal through the network means (625).

Thereafter, the terminal inputs (or selects) predetermined rechargeable account application information through the rechargeable account application user interface (630), and the rechargeable account application information is applied (or purchased) by the website operator. Preferably, at least one rechargeable account selection information for selecting at least one rechargeable account, terms and conditions agreement information corresponding to the rechargeable account, and at least one customer information for the operator of the rechargeable account application website are preferably included. .

When the chargeable account application information is input (or selected) as described above, the terminal transmits the chargeable account application information to the server through the network means (635).

Subsequently, the server receives the rechargeable account application information (or the rechargeable account application information, the rechargeable account security information, or the online account attribute information) and stores it in a predetermined rechargeable account D / B 335 ( 640).

According to another exemplary embodiment of the present invention, the storing of the rechargeable account application information in the rechargeable account D / B 335 may include the server (or an online account registrar) and the information processing server 340 (or It may be omitted in accordance with the business alliance agreement between the financial institutions), whereby the present invention is not limited.

Thereafter, the server transmits the chargeable account application information to the information processing server 340 through a predetermined communication means (645), and the information processing server 340 is provided from the server through the communication means. Receiving the charging account application information (650).

7 is a diagram illustrating an information providing process for registering (or opening) a rechargeable account according to another exemplary embodiment of the present invention.

In more detail, in FIG. 7, when the rechargeable account registration server 300 shown in FIG. 3 provides a predetermined rechargeable account application user interface to the website operator terminal 360, the website operator terminal 360 Input (or select) and encrypt predetermined rechargeable account application information through the rechargeable account application user interface, and provide the rechargeable account registration server 300 to the rechargeable account registration server 300 through a predetermined network means. The present invention relates to a process of decoding the chargeable account application information from the registration server 300 and providing the chargeable account application information to the information processing server 340 provided in the financial institution through a predetermined communication means. Those skilled in the art may refer to and / or modify this drawing to make the website operator terminal 360 chargeable. Although various implementation methods for providing the chargeable account application information to the information processing server 340 through the left registration server 300 may be inferred, the present invention includes all the inferred implementation methods, and this figure. It is not limited by the implementation method shown in FIG.

For example, in FIG. 7, the website operator terminal 360 provides only the chargeable account application information to the chargeable account registration server 300, but it is common knowledge in the art to which the present invention pertains. If the person having a, account properties in addition to the rechargeable account application information in the website operator terminal 360 corresponding to the user interface provided by the rechargeable account registration server 300 to the website operator terminal 360 Although it will be possible to infer an implementation method for providing information, the present invention includes an implementation method for providing the online account attribute information in the website operator terminal 360, whereby the present invention is not limited thereto.

In addition, if the person of ordinary skill in the art to which the present invention belongs, the rechargeable account registration server 300 and the rechargeable account corresponding to the security function provided in the communication means for connecting the information processing server 340 The registered server 300 encrypts the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information, or the online account attribute information), and transmits the encrypted account application information. While it may be possible to infer an implementation method for decrypting account application information (or the rechargeable account application information and rechargeable account security information, or online account attribute information), the present invention includes the inferred implementation method, whereby The present invention is not limited.

Hereinafter, in FIG. 7, the website operator terminal 360 illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the rechargeable account registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 7, the terminal illustrated in FIG. 3 connects to the server 700 through a network means including at least one or more wired and / or wireless communication networks, and at least one web-based service provided by the server. In using the service (705), the web-based service screen provided from the server to the terminal preferably includes a menu interface for requesting a predetermined rechargeable account application user interface for registering the rechargeable account.

Accordingly, while the server provides the at least one web-based service to the terminal as described above, the predetermined charge account request user interface for registering the charge account from the terminal requests the charge account application user interface. 710, if the rechargeable account request interface is requested from the terminal (715), the server generates a predetermined rechargeable account request user interface equipped with a predetermined security function (or a predetermined Extracted from a web source D / B (not shown) (720), and provides the charging account user interface to the mobile terminal (725) via the network means.

Here, the security function provided in the rechargeable account application user interface may include a function of encrypting the charging account application information input (or selected) by the terminal with a predetermined encryption method and / or the charging account application information. It comprises at least one function for attaching the electronic signature of the website operator, preferably in the form of a security program linked to the user interface for the rechargeable account application, wherein the security program is the rechargeable account application information At least one encryption key for encrypting is preferably provided.

In addition, the security function (and / or security program) may further include an official certificate having at least one encryption key for encrypting the chargeable account application information, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) predetermined charge account application information through the chargeable account application user interface (730), and the chargeable account application information is applied (or purchased) by the website operator. Preferably, at least one rechargeable account selection information for selecting at least one rechargeable account, terms and conditions agreement information corresponding to the rechargeable account, and at least one customer information for the operator of the rechargeable account application website are preferably included. .

When the chargeable account application information is input (or selected) as described above, the terminal encrypts the chargeable account application information according to a predetermined encryption method through a security function provided in the chargeable account application user interface (and And / or attach the electronic signature of the website operator to the chargeable account application information (735), and transmit the encrypted chargeable account application information to the server via the network means (740).

The server, having received the encrypted rechargeable account application information through the network means, decrypts the rechargeable account application information with a decryption method corresponding to the encryption method (745), and the decrypted rechargeable account application information ( Alternatively, the rechargeable account application information, the rechargeable account security information, or the online account attribute information) may be stored in the predetermined rechargeable account D / B 335 (740).

According to another exemplary embodiment of the present invention, the storing of the rechargeable account application information in the rechargeable account D / B 335 may include the server (or an online account registrar) and the information processing server 340 (or It may be omitted in accordance with the business alliance agreement between the financial institutions), whereby the present invention is not limited.

Thereafter, the server transmits the charge-type account application information to the information processing server 340 through a predetermined communication means (745), and the information processing server 340 is provided from the server through the communication means. Receiving the charging account application information (750).

8 is a diagram illustrating a process of processing a chargeable account into an online account according to an embodiment of the present invention.

In more detail, FIG. 8 opens a predetermined chargeable account based on the chargeable account application information provided from the chargeable account registration server 300 in the information processing server 340 shown in FIG. A process of processing a type account as an online account using a real account operated by the online account registrar as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Various methods of processing a chargeable account as an online account based on the chargeable account application information provided to the information processing server 340 shown in FIG. 3 as a parent account operated by the online account registrar It may be inferred that, but the present invention includes all the various embodiments of the inferred, whereby the present invention is not limited The.

For example, in FIG. 8, only the rechargeable account application information is provided from the rechargeable account registration server 300 to the information processing server 340. However, the present invention has ordinary knowledge in the technical field to which the present invention pertains. In this case, it is possible to infer an implementation method in which online account attribute information and the like is provided to the information processing server 340 in addition to the chargeable account application information. However, the present invention provides the information processing server 340 with the online account attribute. It includes an implementation method in which further information is provided, whereby the present invention is not limited.

Hereinafter, in FIG. 8, the website operator terminal 360 illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the rechargeable account registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 8, through the process shown in FIGS. 6 and / or 7, predetermined chargeable account application information (or the rechargeable type) may be transferred from the rechargeable account registration server 300 shown in FIG. 3 to the server. When the account application information and the rechargeable account security information or the online account attribute information are received, the server receives the rechargeable account application information (or the rechargeable account application information and the rechargeable account security information or the online account attribute information). Read it to see if it is possible to open the rechargeable account (800).

If the chargeable account cannot be opened based on the chargeable account application information (805), the server generates the account opening error information and provides the chargeable account registration server 300 (810), The rechargeable account registration server 300 transmits the account opening error information to the terminal through a predetermined network means (815).

On the other hand, if it is possible to open the chargeable account based on the chargeable account application information (805), the server is linked to the financial system and the predetermined chargeable account corresponding to the chargeable account application information in the financial system In operation 820, the chargeable account is processed in connection with the financial system as an online account having a parent account as a real account operated by the online account registrar.

According to an exemplary embodiment of the present invention, the server adds a mother account number corresponding to a real account operated by the online account registrar to the account opening unit 350 as shown in FIG. 4. It is preferable to process the ledger corresponding to the chargeable account opened by the virtual account having the parent account as the real account operated by the online account registrar.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the rechargeable account and a predetermined online account corresponding to the mother account to be associated with the rechargeable account as shown in FIG. 5. By real-time linkage processing of online account attribute information including registrar information and mother account information, the account corresponding to the chargeable account opened by the account establishment unit 350 is operated by the online account registrar. It is preferable to process the online account with a parent account.

When the rechargeable account is processed as an online account having a real account operated by the online account registrar, the server transmits the rechargeable account information to the rechargeable account registration server 300 shown in FIG. In operation 830, the rechargeable account registration server 300 further stores the rechargeable account information in the rechargeable account issuing information stored in the rechargeable account D / B 335. ).

9 is a block diagram of a data processing system for providing an advertisement (or issuing a value) according to an embodiment of the present invention.

In more detail, FIG. 9 shows a predetermined advertisement server 150 (eg, a website (or a website) associated with a predetermined web server 145 (eg, a server operating a website (or a blog or personal homepage, etc.)). A server for providing a contextual advertisement for a blog or a personal homepage, etc.) is configured for a data processing system for providing an advertisement (or issuing a value) of the web server 145 to at least one or more client terminals 995. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to infer various implementation methods for configuring a data processing system for providing the advertisement (or issuing a value). However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the data processing system for providing an advertisement (or issuing a value) includes at least one customer terminal 995 having a predetermined web browser and a predetermined communication network. Web server 145 for operating a website (or blog, or personal homepage, etc.) provided to the customer terminal 995 and, in conjunction with the web server 145 to provide an advertisement to the customer terminal 995 or , Characterized in that it comprises an advertisement server 150 for issuing a value to the customer value account (or value receiving means 997).

In this case, the advertisement server 150 is a generic term for a server provided to an advertisement provider that provides an advertisement registered through the advertisement data registration system shown in FIG. 1, and includes various portal servers, search servers, and advertisement agent servers. Characterized in that it comprises at least one or more.

Further, the contextual advertisement provides online at least one or more advertisement data matching at least one or more keywords corresponding to a context (or index word) included in a web document (or document content) corresponding to a website (or blog). It is characterized by including all the online advertising.

The customer terminal 995 is a generic term for a terminal device characterized in that the communication channel is connected to at least one web server 145 through a predetermined communication network, for this purpose, the customer terminal 995 is a predetermined communication network. And a network communication function for connecting to the mobile terminal, and at least one web browser, and a fixed terminal such as a desktop computer equipped with the network communication function and the web browser, or a semi-fixed terminal such as a notebook computer, or a portable device. It is preferable that the mobile terminal includes at least one or more portable terminals.

According to an embodiment of the present invention, the customer terminal 995 preferably comprises at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network. It is preferable to connect a communication channel with the web server 145 according to a Hyper-Text Transfer Protocol (HTTP) compatible protocol.

According to another embodiment of the present invention, the customer terminal 995 may be a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. It is preferable to include at least one or more wireless terminals connected to any one of the wireless communication network, and connects the communication channel with the web server 145 according to the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network. It is desirable to.

After the communication channel is connected with the web server 145, the customer terminal 995 corresponds to the purpose and characteristics of the website (or blog, personal homepage, etc.) from the web server 145 through the communication channel. Receiving at least one Hyper-Text Markup Language (HTML) compatible web document (eg, * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.) The received web document is output through a web browser provided in the customer terminal 995.

Those skilled in the art to which the present invention pertains, the customer terminal 995 connects the communication channel with the web server 145, and receives at least one web document from the web server 145 Since it will be familiar with the technical features output through the web browser, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the web document received through the communication channel to the customer terminal 995 may include at least one keyword (or at least one keyword matched with keyword information registered through the advertisement data registration system shown in FIG. 1). Index word).

The web server 145 includes a DBMS (DataBase Management System) having a web operation D / B for storing web operation data including at least one web document source and digital content for generating at least one web document. Characterized in that (or in conjunction with).

According to an embodiment of the present invention, the web document source of the web operation data is HTML-compatible tags and various scripts for generating a web document provided by the web server 145 to the at least one customer terminal 995. It is preferable to include a code, and the data content preferably comprises at least one or more image content, sound content, multimedia content to be included in the web document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of generating at least one web document including the web document source and digital content included in the operation data. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the DBMS may store and store at least one web service related information (eg, member information for membership web service) in addition to the web operation D / B. Those skilled in the art will be able to easily infer various types of information or content stored in the DBMS corresponding to each web server 145 application field, so the detailed description thereof is provided for convenience. Omit.

Referring to FIG. 9, the advertisement server 150 associated with the web server 145 may include advertisement information, keyword information, and advertisement data associated with the keyword information registered through the advertisement data registration system shown in FIG. 1. An advertisement D / B 983 storing value data and at least one advertisement registration information including at least one deposit information and billing policy information for the advertisement provision (or value issuance); and the advertisement provision (or value issue). And a storage medium including billing information D / B 985 for storing at least one billing confirmation information and the advertisement amount information corresponding to the deposit balance information in association with the deposit balance information.

In this case, the advertiser information included in the advertisement registration information may include at least one customer terminal 995, information on an advertiser's store (or shopping mall) and an advertiser's store (or a shopping mall) for providing advertisement data associated with the keyword information. At least one representative product (or service) for sale in the) is preferably included.

The keyword information included in the advertisement registration information may be included in at least one web document (or document content) context (or index word) provided by the web server 145 to at least one or more customer terminals 995. At least one word (or syllable) associated with the advertisement data, or at least one word (or syllable) for identifying the client terminal 995 to which the advertiser is to provide the advertisement data.

The advertisement data included in the advertisement registration information is included in the context (or index word) included in at least one web document (or document content) content provided by the web server 145 to the at least one customer terminal 995. And at least one advertisement data matched with the keyword information to be transmitted to the customer terminal 995.

According to an embodiment of the present invention, the advertisement data preferably includes advertiser Uniform Resource Locator (URL) information for the advertiser's online store (or advertisement website).

After the advertisement data is provided to the customer terminal 995, when the advertisement data is clicked on the customer terminal 995, the data processing system may provide an online store of an advertiser corresponding to the customer terminal 995 and the advertiser URL information. It is desirable to link (or advertising website).

The value data included in the advertisement registration information includes coupon information, coupon information, discount coupon information, ticket information, gift certificate information, point information, electronic money information, and multimedia content that the advertiser will provide to the customer. The customer terminal 995 for issuing value information (or value corresponding to the value information) including at least one of information, product description information and the like, and the value information (or value corresponding to the value information) to the customer. Value issuance data (eg, icon data for value issuance, value issuance image content data, etc.) is preferably included.

After the value data is provided to the customer terminal 995, when the value data (e.g., the value issuance data provided to the customer terminal 995) is clicked on the customer terminal 995, a predetermined value issuance server (e.g., A server affiliated with any one of the web server 145 (or the ad server 150) to the advertiser server 993, or the web server 145 (or the ad server 150) to the advertiser server 993. ) A value account (or a value corresponding to the value information) corresponding to the value data (for example, coupon information, usage rights information, discount ticket information) from the customer value account (or value receiving means 997) Ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc.).

Those skilled in the art will be able to infer various value data according to the intention of those skilled in the art in addition to the above-described value data, and the present invention includes all kinds of value data inferred. It is characterized by.

The deposit information for the advertisement provision (or value issuance) included in the advertisement registration information may include at least one advertisement data matched with the keyword information provided to at least one client terminal 995, and then the client terminal 995. When the advertisement provision (or value issuance) is confirmed by the request of), it is preferable to include the amount information pre-deposited by the advertiser in order to pay a predetermined advertisement amount corresponding to the advertisement provision (or value issue). In addition, according to the intention of the skilled person, it is preferable to further include the depositor (or advertiser) information and the account information (or virtual account information) in which the amount is deposited.

The billing policy information for the advertisement provision (or value issuance) included in the advertisement registration information is, when the advertisement provision (or value issuance) is confirmed, the confirmed advertisement provision (or among the deposits deposited by the advertiser). It is preferable that the policy information for charging the amount corresponding to the issue of value) as the advertisement amount.

In addition, the billing confirmation information stored in the billing information D / B (985), the customer terminal 995 (or the customer's value type account (or value receiving means 997) through the advertising server 150 )) Preferably includes information for confirming advertisement provision (or value issuance) corresponding to the advertisement data (or value data) included in the advertisement registration information.

When the advertisement corresponding to the advertisement data is provided to the customer terminal 995 according to an embodiment of the present invention, the billing confirmation information is the customer terminal 995 address information (or customer member ID information) and advertisement provision Preferably, the information includes at least one advertiser server 993 and at least one web server 145 information corresponding to the date-time information and the linked online store (or advertisement website) of the advertiser.

According to another exemplary embodiment of the present invention, when a value corresponding to value data is issued to the value type account (or value receiving means 997) of the customer, the charging confirmation information is address information (or customer terminal 995). Customer member ID information) and value information (or value corresponding to value information) provided to the customer's value account (or value receiving means 997) and the value account (or value receiving means 997) ( For example, coupon information, ticket information, discount ticket information, ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc.) information and the advertisement providing date and time information Advertiser information for issuing (or issuing) value information (or value corresponding to the value information) and the advertisement server 150 preferably comprises at least one.

The advertisement amount information stored in the billing information D / B 985 is provided to the customer terminal 995 (or the customer's value type account (or value receiving means 997)) to provide advertisement (or value issuance). In the case, it is preferable that the advertisement fee corresponding to the advertisement provision (or value issuance) is included according to the charging policy information included in the advertisement registration information.

The deposit balance information stored in the billing information D / B 985 may include at least one advertisement amount for each advertisement provided corresponding to the advertisement amount information according to the charging confirmation information among the deposit information included in the advertisement registration information. It is preferable to include the remaining balance information.

Referring to FIG. 9, the advertisement server 150 associated with the web server 145 may include website information corresponding to a website (or blog or personal homepage) provided in the web server 145, and the web. By linking the advertisement output region information corresponding to the advertisement output frame (or region) provided to the customer terminal 995 through the site, and the value issuance interface information for immediate value issuance processing through the advertisement output frame (or region). And a website D / B 990 for storing and storing the linked account information in association with the charged account information issued to the website operator through the rechargeable account registration system shown in FIG. It is characterized in that the storage medium is provided (or linked).

The website information includes a web server 145 associated with the advertisement server 150 (eg, at least one or more advertisement data (or value data) registered in the advertisement D / B 983). As the information corresponding to the website (or blog or personal homepage) operated by the web server 145 for generating a web document including a predetermined advertisement output frame (or region) for providing as (Or blogs or personal homepages), the website URL (Uniform Resource Locator) information, website name information, website operator information and the like is preferably included at least one or more.

The advertisement output area information is the width / length of an advertisement output frame (or area) included in a web page provided to the client terminal 995 from a website (or blog or personal homepage) corresponding to the website information. It is preferable to include area (or size) information.

The value issuance interface information corresponds to the value data through the advertisement output frame (or region) when the customer terminal 995 selects (or clicks) the value data included in the advertisement output frame (or region). It is preferable to include a user interface for immediately issuing and processing the value information (or value corresponding to the value information) to the value-type account (or value receiving means 997) of the customer.

The rechargeable account information preferably includes at least one account number and financial company information corresponding to the rechargeable account issued to the website operator through the rechargeable account registration system shown in FIG.

Referring to FIG. 9, the web server 145 connects a communication channel to at least one or more customer terminals 995, and at least one corresponding to the website (or blog or personal homepage) through the communication channel. It characterized in that it comprises a web interface unit 900 for providing the above web document to the customer terminal (995).

The web interface 900 may include at least one HTML compatible web document (eg, *) corresponding to the website (or blog or personal homepage) according to the HTTP compatible protocol provided in the communication network connected to the customer terminal 995. .html, * .htm, * .asp. *. jsp, * .xml, * .wml, etc.) to connect and maintain a communication channel.

After the customer terminal 995 and the communication channel are connected, when the web server 145 generates at least one web document corresponding to the web page to be provided to the customer terminal 995, the web interface unit 900 ) Transmits the web document to the customer terminal 995 through the communication channel, and outputs the web document through a web browser provided in the customer terminal 995.

Referring to FIG. 9, the web server 145 may include at least one HTML compatible web document (eg, * .html) corresponding to the website (or blog or personal homepage) in association with the web operation D / B. In conjunction with the web page operation unit 910 (or web page operation means) for generating a, * .htm, * .asp. *. jsp, * .xml, * .wml, etc., and the web operation D / B A digital content management unit 915 which extracts at least one digital content to be included in the web document and transmits the generated web document to the previously transmitted customer terminal 995 and the website (or blog or personal homepage); Control the generation of at least one web document in the web page operation unit 910 or at least one to be included in the generated web document in the digital content operation unit 915 according to a web page operation procedure corresponding to Extract more digital content And a web service control unit 905 (or control means) for controlling processing of the web document to be output to the transmitted customer terminal 995. The web interface unit 900 includes the web service. The at least one web document generated by the web page management unit 910 in connection with the control unit 905 is characterized in that for transmitting to the customer terminal 995 through the communication channel.

In addition, the web server 145 generates at least one web document corresponding to a predetermined bulletin board page in association with the web page operation unit 910 and generates the bulletin board in association with the web interface unit 900. The web document corresponding to the page is transmitted to the customer terminal 995, or predetermined bulletin board content is input from the customer terminal 995 through a bulletin board registration interface included in the web document corresponding to the bulletin board page. When received by the interface unit 900, characterized in that it comprises a bulletin board operating unit 920 for registering the bulletin board content to the bulletin board D / B.

The web service control unit 905 is configured to perform the web page operation unit 910 according to a web page operation procedure (or a web page request from a client terminal 995) corresponding to the website (or blog or personal homepage). And controlling to generate at least one web document corresponding to the website (or blog or personal homepage), wherein the webpage operation unit 910 is connected to the web service control unit 905 to control the web. Characterized by generating at least one web document corresponding to the site (or blog, or personal homepage).

The web document generated by the web page operation unit 910 includes at least one digital content link, which corresponds to the digital content link from the customer terminal 995 that receives the web document to the web server 145. When the digital content output request is made, the digital content operation unit 915 outputs at least one digital content corresponding to the digital content link from the web operation D / B, and outputs the output digital content to the web interface unit. By transmitting to the customer terminal 995 through the 900, the digital content is included in the web document transmitted to the customer terminal 995, characterized in that the processing to be output.

In addition, the bulletin board operation unit 920 generates at least one web document corresponding to the bulletin board page in association with the web service controller 905, and the web document corresponding to the bulletin board page is the customer. There is a predetermined bulletin board registration interface for processing at least one bulletin board content input from the terminal 995 to register with the web server 145, the customer terminal 995 at least one bulletin board through the bulletin board registration interface When the content is input and transmitted, the bulletin board management unit 920 registers the bulletin board content received from the customer terminal 995 in the bulletin board D / B.

Referring to FIG. 9, the web server 145 may generate a web generated by the web page operation unit 910 in association with the web service control unit 905 for contextual advertisement of the website (or blog). The advertisement output control unit 925 (or controlling) to output a predetermined advertisement output frame (or region) on the web document corresponding to the page or the web document corresponding to the bulletin board page generated by the bulletin board manager 920. Advertisement output control means).

The advertisement output controller 925 may include at least one advertisement provided by the advertisement server 150 on a web document generated by the webpage operator 910 in response to the website (or blog or personal homepage). And at least one advertisement output frame (or region) for outputting data (or advertisement data and value data).

Here, the advertisement output frame (or region) is characterized in that it comprises a horizontal / vertical predetermined area on the web document, the advertisement server 150 provided to the client terminal 995 receiving the web document Preferably, the link information includes link information for outputting an advertisement page including at least one or more advertisement data (or advertisement data and value data) to be output through the advertisement output frame (or region).

Referring to FIG. 9, the advertisement server may include a web document (or document content) corresponding to the website (or blog or personal homepage) provided from the web server 145 to the customer terminal 995 through a communication network. Keyword information verification unit 940 (or keyword information checking means) for checking at least one keyword information corresponding to a context (or index word) on the keyword and matching with the keyword information in association with the advertisement D / B 983. Advertising data verification unit 950 (or data verification means) for confirming at least one or more advertising data, and the value data to confirm the keyword information and at least one or more value data in association with the advertisement D / B (983) The unit 960 (or data confirmation means) and the advertisement data (or advertisement data and value data) are outputted to the client terminal 995 through the advertisement output frame (or region). Characterized in that formed by a data output processing section 935 (or the output processing means) for processing.

The web server 145 provides a web page corresponding to the website (or blog or personal homepage) to the customer terminal 995 (or a web page operation unit 910 provided in the web server 145). In the case of generating (or extracting) a web document corresponding to the website (or blog or personal homepage), the keyword information checking unit 940 is connected to the web server 145 through a communication network. At least one keyword information corresponding to a context (or index word) on a web document (or document content) corresponding to a website (or blog or personal homepage) is identified.

Alternatively, the keyword information checking unit 940 may correspond to at least a context (or index word) included in a web document source or digital content included in a web operation D / B associated with the web server 145 through a communication network. Identify one or more keyword information or at least one keyword information corresponding to a context (or index word) included in the bulletin board content included in the bulletin board D / B associated with the web server 145. .

According to an exemplary embodiment of the present invention, the method of the keyword information checking unit 940 confirming at least one keyword information corresponding to the context (or index word) corresponds to the website (or blog or personal homepage). Check whether the context (or index word) on the web document (or document content) includes a word (or syllable) matching the keyword information provided in the advertisement D / B 983, or the web operation D / B Check whether the context (or index word) included in the web document source or digital content included in the web page includes a word (or syllable) that matches the keyword information provided in the advertisement D / B 983, or the bulletin board D At least one of checking whether the context (or index word) included in the bulletin board content included in / B includes a word (or syllable) that matches the keyword information included in the advertisement D / B 983. It is preferable to comprise as mentioned above.

When at least one keyword information is confirmed by the keyword information verification unit 940, the advertisement data verification unit 950 is at least one advertisement data registered by a predetermined advertiser through the advertisement data registration system shown in FIG. (Or advertisement data and value data) in accordance with the advertisement D / B (983) for storing at least one or more advertisement data matching the keyword information characterized in that it is characterized.

When at least one advertisement data matching the keyword information is confirmed by the advertisement data confirming unit 950, the value data confirming unit 960 is shown in FIG. 1 in association with the advertisement D / B 983. The at least one value data registered by a predetermined advertiser is identified through the identified advertisement data registration system.

When the advertisement data matched with the keyword information (or the advertisement data and value data matched with the keyword information) is confirmed, the data output processor 935 displays the confirmed advertisement data (or advertisement data and value data) on the web. The server 145 may process the output to the customer terminal 995 through an advertisement output frame (or region) included in the web document provided to the customer terminal 995.

According to an embodiment of the present invention, the data output processing unit 935 may output the at least one or more pieces of advertisement data (or advertisement data and value data) identified in the advertisement output frame (or region) (eg, the advertisement output). After generating (or extracting) an advertisement output page that can be output in the horizontal / vertical region of a frame (or region), and transmitting the advertisement output page to the customer terminal 995 through the communication network (or via the web server 145). By transmitting to the customer terminal 995, it is preferable to process the at least one or more of the identified advertisement data (or advertisement data and value data) through the advertisement output frame (or area).

According to another exemplary embodiment of the present invention, the data output processor 935 outputs at least one advertisement data (or advertisement data and value data) to the customer terminal 995 through the advertisement output frame (or region). In the process, it is possible to process to be output to the customer terminal 995, including the value issuance interface corresponding to the value data output on the advertisement output frame (or area), thereby limiting the present invention Not.

Referring to FIG. 9, the advertisement server may include an information receiver 945 (or information receiving means) for receiving advertisement providing request information (or value issuance request information) corresponding to the advertisement data from the client terminal 995. It is characterized by comprising.

When the advertisement data is output to the customer terminal 995 based on the advertisement output frame (or area) by the data output processing unit 935, the customer terminal 995 may output the at least one advertisement data or Clicking (or selecting) advertising data (or value data) of any one of the value data to transmit advertisement request information (or value issue request information) corresponding to the selected advertisement data (or value data) through the communication network. The information receiving unit 945 may receive advertisement providing request information (or value issuing request information) corresponding to the advertisement data from the customer terminal 995 through the communication network.

According to the implementation method of the present invention, the value issuance request information preferably further comprises information of the value-type account (or value receiving means 997) of the customer to be issued a value corresponding to the value data, When the value issuance request information does not include the customer's value account (or value receiving means 997) information, the value type account (or value receiving means 997) information is received through a separate information transmission and reception channel ( Or confirmed).

Referring to FIG. 9, when the advertisement providing request information is received from the customer terminal 995, the advertisement server may include an advertisement providing processor configured to process an advertisement corresponding to the advertisement data to be provided to the customer terminal 995. 955 (or advertisement processing means).

When the advertisement providing request information is received from the customer terminal 995 by the information receiving unit 945, the advertisement providing processing unit 955 processes the advertisement corresponding to the advertisement data to be provided to the customer terminal 995. Characterized in that.

According to an embodiment of the present invention, the advertisement providing processing unit 955 is based on the advertiser information on the advertiser's online store (or advertisement website) corresponding to the advertisement data, the customer terminal 995 and the advertiser's online. By linking a store (or an advertising website), it is desirable to process the advertisement corresponding to the advertisement data to the customer terminal 995.

If the person skilled in the art to which the present invention pertains, the advertisement providing processing unit 955 may be connected to the customer terminal 995 and the advertiser's online store (or advertising website) in addition to the advertisement providing method of the skilled person Various advertisement providing methods may be inferred according to the intention, but the present invention is characterized by including all the implementation methods inferred, and the present invention is not limited thereto.

Referring to FIG. 9, when the value issuance request information is received from the customer terminal 995, the advertisement server connects the advertisement output frame to the customer terminal 995 in association with the website D / B 990. Identify value issuance interface information corresponding to the advertisement output frame (or region) among at least one or more value issuance interface information associated with the website information providing the web page including the (or region), and the advertisement output frame ( Or an interface providing unit 970 (or an interface providing means) for processing the identified value issuance interface to be provided to the customer terminal 995 through the area) and the value issuance interface from the customer terminal 995. An information receiving unit 945 (or information receiving means) for receiving the entered value issuance information, and a value type account (or value receiving) included in the value issuance information; (997) verify the validity of the information and issue value information (or value corresponding to the value information) corresponding to the value issuance information to the value type account (or value receiving means 997) of the customer. Characterized in that it comprises a value issuing processing unit 980 (or value issuing processing means) to process.

When the value issuance request information is received from the customer terminal 995, the interface providing unit 970 (or interface providing means) is the website information corresponding to the value issuance request information (eg, the customer terminal 995). Website information providing a web page including the advertisement output frame (or region) and advertisement output region information corresponding to the advertisement output frame (or region) that transmits the value issuance request information. Check the value issuance interface information corresponding to the advertisement output area information among at least one or more value issuance interface information stored in association with the website information in connection with the website D / B 990, and the advertisement output frame (or Area) to process the verified value issuance interface to be provided to the customer terminal 995.

The customer terminal 995 provided with the value issuance interface through the advertisement output frame (or area) may be provided with the value type account (or value receiving means 997) information and the value type account ( Or value issuance authentication information (e.g., value-type account (or value-receiving means 997) that authorizes issuing value information (or value corresponding to value information) corresponding to the value data to the value receiving means (997). ) After inputting (or selecting) value issuance information including at least one or more passwords corresponding to security information, and transmitting the input (or selection) value issuance information to the advertisement server 150 through the communication network. Characterized in that.

When the value issuance information input through the value issuance interface is transmitted from the customer terminal 995, the information receiver 945 transmits the value-type account (or value reception means 997) information and value issuance through the communication network. Characterized in that it receives the value issuance information including at least one authentication information.

According to one embodiment of the present invention, when the value issuance information including at least one or more of the value receiving means 997 information and the value issuance authentication information is received from the customer terminal 995, the value issuing processor 980 is Responding to the value issuance information to the customer value receiving means 997 through a communication network corresponding to the value receiving means 997 (e.g., customer wireless terminal, mail address, messenger ID, customer value storing means on the network, etc.). It is characterized in that the issuance process of value information (or value corresponding to the value information).

According to another exemplary embodiment of the present invention, when value issuance information including at least one or more of the value type account information and the value issuance authentication information is received from the customer terminal 995, the value issuing processing unit 980 is the advertisement D. The financial company server 155 which checks the value information (or the value corresponding to the value information) included in the value data corresponding to the value issuance information in connection with / B 983 and operates the value type account through a communication network. ) And verifying validity for issuing and processing value information (or value corresponding to value information) corresponding to the value issuance information to the value type account of the customer.

Here, the validity check on the value-type account, value-type account validation to confirm that the value-type account of the customer is validly registered, and the value information (or value) corresponding to the value issuance information to the value-type account And value account validation to confirm that it is possible to issue and process value corresponding to the information.

In addition, the value issuing processor 980 checks the value information (or the value corresponding to the value information) corresponding to the value issuance information in connection with the advertisement D / B (983), and through the communication network the value type account It is characterized by issuing and processing value information (or value corresponding to the value information) corresponding to the value issuance information to the value-type account of the identified customer in connection with the financial company server 155 operating the.

According to the implementation method of the present invention, the value issuance processing unit 980 issuing and processing the value information (or value corresponding to the value information) corresponding to the value issuance information to the value type account of the customer, the value issuance When the processor 980 transmits the value issuance history information corresponding to the value information (or the value corresponding to the value information) to the financial company server 155 operating the value type account through the communication network, the financial company server 155 In the value issuance history information preferably comprises the recording on the value ledger.

Referring to FIG. 9, the advertisement server is processed to provide an advertisement corresponding to the advertisement data to the client terminal 995, or the value to the customer's value account (or value receiving means 997). After the data is issued, a billing processing unit 965 (or billing processing means) for billing the advertising amount corresponding to the advertisement provision (or value issuance) from the deposit deposited by the advertiser, characterized in that it comprises.

The billing processing unit 965 may include billing confirmation information (eg, Cost Per Click (CPC) based billing confirmation information, or CPA (Cost Per Action) based billing confirmation information) corresponding to the advertisement provision through the advertisement provision request information. Charging confirmation information (CPM) based on cost per thousand or cost per thousand iMpression (CPM) or billing confirmation information (e.g. Cost Per Action (CPA) based billing confirmation information) corresponding to the issue of value through the value issuance request information. Characterized in that the check.

Here, the billing confirmation information (eg, Cost Per Click (CPC) -based billing confirmation information) corresponding to the advertisement provision is the client terminal 995 address information (or customer member ID information) that transmitted the advertisement provision request information. And advertisement providing date and time information including date and time information (or date and time information provided with the advertisement) that received the advertisement providing request information through a predetermined timer (not shown), and advertiser URL information included in the advertisement providing request information. And at least one advertiser server 993 information corresponding to an online store (or advertisement website) matching the &quot;

Alternatively, the billing confirmation information (eg, Cost Per Action (CPA) based billing confirmation information) corresponding to the issuance of the value may include the client terminal 995 address information (or customer member ID information) that transmitted the value issuance request information. Value information of the customer (or value receiving means 997) and value information (or value corresponding to the value information) provided to the value account (or value receiving means 997) (eg, coupon information). Check the ticket information, the discount ticket information, the ticket information, the gift certificate information, the point information, the electronic money information, the multimedia contents information, the product description information, and the like, and a predetermined timer (not shown). Preferably, the advertisement providing date information, the advertiser information for issuing (or issuing) the value information (or a value corresponding to the value information) and the advertisement server 150 are preferably included. All.

When the billing confirmation information corresponding to the advertisement provision (or value issuance) is confirmed, the billing processing unit 965 is associated with the advertisement data corresponding to the confirmed billing confirmation information in association with the advertisement D / B (983). Check the billing policy information, check the advertisement price information for each advertisement providing corresponding to the checked billing policy information, and generate predetermined deposit balance information by subtracting the confirmed advertisement price information from the deposit information. It is done.

Here, the advertisement amount information is provided to the advertisement registration information when at least one advertisement (or value issue) is provided to the customer terminal 995 (or the customer's value type account (or value receiving means 997)). It is preferable to include an advertisement fee corresponding to the advertisement provision (or value issuance) according to the charging policy information included.

Thereafter, the charging processing unit 965 stores the deposit balance information in predetermined billing information D / B 985 in association with billing confirmation information and advertisement amount information corresponding to the advertisement provision (or value issuance). At least one advertisement corresponding to the advertisement data is provided until the deposit balance information is exhausted, or value information (or value corresponding to the value information) corresponding to the value data is provided to the customer. It is preferably issued to a value type account (or value receiving means 997).

Referring to FIG. 9, when an amount corresponding to the advertisement provision (or value issuance) is charged by the charging processing unit 965, the advertisement server transfers the advertisement to the customer terminal 995. To a website (or blog or personal homepage, etc.) that has been processed to provide, or processed to issue the value information (or value corresponding to the value information) to the customer's value type account (or value receiving means 997). The fee calculation unit 975 (or fee calculation means) for calculating the fee amount to be paid to the corresponding website operator and the financial company server 155 in which the chargeable account of the website operator is opened are used to calculate the fee amount. It is characterized in that it comprises a settlement processing unit 930 (or settlement processing means) for the settlement processing to the charge-type account of the website operator.

When the amount corresponding to the advertisement provision (or value issuance) is charged by the charging processing unit 965, the fee calculation unit 975 is connected to the charging information D / B 985 to determine the website (or Calculating the amount of fee to be paid to the website operator corresponding to the website (or blog or personal website) out of the advertisement amount information associated with the billing confirmation information corresponding to the blog or personal homepage, etc.) .

According to an embodiment of the present invention, the fee amount is preferably calculated according to the fee calculation policy of the advertisement provider, and if the calculated fee amount exceeds a predetermined amount, it is preferable to be settled to the website operator. .

When the fee amount to be settled to the website operator is calculated, the settlement processing unit 930 charges the fee amount of the website operator in connection with the financial company server 155 in which the rechargeable account of the website operator is opened. It is characterized in that the payment is made by the payment to the account.

According to the implementation method of the present invention, the settlement processing unit 930 is preferably withdrawn the calculated fee amount from the financial account of the advertising provider provided in the financial company and settles the deposit to the rechargeable account of the website operator. .

If a financial fee occurs in the settlement process, the settlement processing unit 930 preferably subtracts the financial fee from the fee amount.

10 is a diagram illustrating a process of providing advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

In more detail, in FIG. 10, when the client terminal 995 on the data processing system shown in FIG. 9 accesses the website (or blog or personal homepage), the advertisement server 150 shown in FIG. At least one advertisement data (or registered with the client terminal 995 through the advertisement data registration system shown in FIG. 1) in association with the web server 145 corresponding to the website (or blog or personal homepage). Advertising data and value data), and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 10 and the advertisement data through the website (or blog). (Or advertising data and value data) may be inferred from various implementation methods, but the invention includes all implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 10.

In the following Figure 10, the customer terminal 995 on the data processing system shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 10, when the terminal requests a web page corresponding to the website (or blog or personal homepage) by accessing a web server 145 on the data processing system shown in FIG. 9 through a communication network ( 1000), the web server 145 generates the advertisement output frame (or region) in a web document for providing the terminal with a web page corresponding to the requested website (or blog or personal homepage). (Or extract) 1005, and transmits the web document including the advertisement output frame (or region) to the terminal through the communication network to be output (1010).

In this case, the advertisement server 150 on the data processing system shown in FIG. 9 may include the advertisement output frame (or region) included in the web document (or document content included in the web document) through a communication network. In operation 1015, at least one or more keyword information corresponding to the &quot;

According to the exemplary embodiment of the present invention, the method of the at least one keyword information corresponding to the context (or index word) by the advertisement server 150 may correspond to the website (or blog or personal homepage). Check that the context (or index word) on the web document (or document content) includes a word (or syllable) that matches the keyword information provided in the advertisement D / B 983, or the web operation D / B Check that the context (or index word) included in the provided web document source or digital content includes a word (or syllable) that matches the keyword information provided in the advertisement D / B 983, or the bulletin board D / At least one or more of checking whether a context (or index word) included in the bulletin board content included in B includes a word (or syllable) that matches keyword information provided in the advertisement D / B 983. Be made of W are preferred.

If at least one keyword information corresponding to a context (or index word) included in the advertisement output frame (or region) in the web document (or document content included in the web document) is not identified (1020), the advertisement server ( 150 confirms at least one advertisement data to be output to the advertisement output frame (or region) in association with the advertisement D / B 983 (1025).

According to an exemplary embodiment of the present invention, the advertisement server 150 may output at least one of at least one advertisement data registered through the advertisement data registration system shown in FIG. 1 through the advertisement output frame (or region). It is preferable to confirm the above advertisement data.

In addition, the advertisement server 150 checks whether at least one value data associated with the confirmed advertisement data is registered in association with the advertisement D / B 983 (1030).

If at least one value data associated with the advertisement data is not registered (1035), the advertisement server 150 processes the identified advertisement data to be output through the advertisement output frame (or region) (1040). ).

On the other hand, if at least one or more value data associated with the advertisement data is registered (1035), the advertisement server 150 is output through the advertisement output frame (or region) in association with the advertisement D / B (983). At least one value data is identified (1045), and the identified advertisement data and the value data are output through the advertisement output frame (or region) (1050).

On the other hand, if at least one or more keyword information corresponding to the context (or index word) included in the advertisement output frame (or region) in the web document (or document content included in the web document) is identified (1020), the ad server 150 ) Confirms at least one advertisement data associated with the identified keyword information in association with the advertisement D / B 983 (1055).

According to an exemplary embodiment of the present invention, the advertisement server 150 may output at least one advertisement to be matched with the identified keyword information among at least one advertisement data registered through the advertisement data registration system shown in FIG. It is desirable to verify the data.

In addition, the advertisement server 150 checks whether the at least one value data associated with the identified keyword information is registered with the advertisement D / B 983 in step 1060.

If at least one value data associated with the identified keyword information is not registered in the advertisement D / B 983 (1065), the advertisement server 150 may display the advertisement output frame (or region). The processed advertisement data is output (1040).

On the other hand, if at least one or more value data associated with the identified keyword information is registered in the advertisement D / B 983 (1065), the advertisement server 150 is linked with the advertisement D / B 983. At least one value data associated with keyword information is identified (1070), and the identified advertisement data and value data are output through the advertisement output frame (or region) (1075).

According to an exemplary embodiment of the present invention, the advertisement server 150 may output the at least one or more advertisement data (or advertisement data and value data) identified in the advertisement output frame (or area) (eg, the advertisement output). After generating (or extracting) an advertisement output page that can be output in the horizontal / vertical region of a frame (or region), and transmitting the advertisement output page to the customer terminal 995 through the communication network (or via the web server 145). By transmitting to the customer terminal 995, it is preferable to process the at least one or more of the identified advertisement data (or advertisement data and value data) through the advertisement output frame (or area).

11 is a diagram illustrating a process of providing an advertisement corresponding to advertisement data through a website (or blog) according to an embodiment of the present invention.

More specifically, FIG. 11 shows at least one advertisement data and value to a client terminal 995 on the data processing system shown in FIG. 9 through the process of providing advertisement data (or advertisement data and value data) shown in FIG. After the data is outputted, the specific advertisement data is selected (or clicked) among the advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) in the customer terminal 995 shown in FIG. In this case, the advertisement server 150 shown in FIG. 9 relates to a process of providing an advertisement corresponding to the selected (or clicked) advertisement data to the customer terminal 995, which is generally known in the art. For those of ordinary skill in the art, the process of providing an advertisement corresponding to the advertisement data through the website (or blog) by referring to and / or modifying the drawing 11 is described. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

For example, in FIG. 11, the advertisement server 150 shown in FIG. 9 provides an advertisement corresponding to the advertisement data from the advertisement server 150 to the customer terminal 995, and then includes a charging process corresponding to the advertisement provision. Although shown in the drawings, the present invention is by no means limited, and the billing process may be omitted or provided under other conditions according to the intention of those skilled in the art, and the present invention is not limited thereto.

In the following Figure 11, the customer terminal 995 on the data processing system shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 11, at least one advertisement data and value data is transmitted to a customer terminal 995 on the data processing system shown in FIG. 9 through a process of providing advertisement data (or advertisement data and value data) shown in FIG. 10. After outputting the terminal, if the terminal selects (or clicks) specific advertisement data included in an advertisement providing target among advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) (1100). The terminal transmits advertisement providing request information corresponding to the selected (or clicked) advertisement data to the advertisement server 150 through a communication network (1105), and in response, the advertisement server 150 transmits to the terminal. In operation 1110, an advertisement corresponding to the advertisement providing request information is provided.

Here, the advertisement providing request information may include at least one link information and parameter information which can confirm that the terminal selects (or clicks) the advertisement data.

According to an exemplary embodiment of the present invention, the advertisement server 150 links the customer terminal 995 and the advertiser's online store (or advertisement website) corresponding to the advertisement data in response to the advertisement provision request information. It is desirable to.

If it is confirmed that an advertisement corresponding to the advertisement providing request information is provided to the terminal (1115), the advertisement server 150 processes the charging for the advertisement providing (1120).

According to the exemplary embodiment of the present invention, the advertisement server 150 may charge the billing information (eg, Cost Per Click) based billing confirmation information or CPA (Cost Per Click) corresponding to the advertisement provision through the advertisement provision request information. It is preferable to check billing information based on Action) or billing information based on Cost Per Mile (CPM).

Here, the billing confirmation information (eg, Cost Per Click (CPC) -based billing confirmation information) corresponding to the advertisement provision is the client terminal 995 address information (or customer member ID information) that transmitted the advertisement provision request information. And advertisement providing date and time information including date and time information (or date and time information provided with the advertisement) that received the advertisement providing request information through a predetermined timer (not shown), and the advertisement providing request information (or value issuance request information). At least one advertiser server 993 information corresponding to the online store (or advertising website) matching the advertiser URL information contained in) is preferably made.

When the charging confirmation information corresponding to the advertisement provision is confirmed, the advertisement server 150 confirms the charging policy information associated with the advertisement data corresponding to the confirmed charging confirmation information in association with the advertisement D / B 983. And, it is preferable to check the advertisement price information for each advertisement provided corresponding to the confirmed charging policy information, and to generate predetermined deposit balance information by subtracting the confirmed advertisement amount information from the deposit information.

Here, the advertisement amount information, when providing at least one advertisement to the customer terminal 995 (or the customer value receiving means 997), the advertisement is provided according to the billing policy information included in the advertisement registration information It is preferable to include the advertising charge corresponding to the.

According to an exemplary embodiment of the present invention, the advertisement server 150 stores the deposit balance information in predetermined billing information D / B 985 in association with the billing confirmation information and the advertisement amount information corresponding to the advertisement provision, It is preferable to complete the charging process corresponding to the advertisement provision.

12 is a diagram illustrating a process of immediately issuing and processing value information (or value corresponding to value information) corresponding to value data through a website (or blog) according to an embodiment of the present invention.

More specifically, FIG. 12 shows at least one advertisement data and value to a client terminal 995 on the data processing system shown in FIG. 9 through the process of providing advertisement data (or advertisement data and value data) shown in FIG. After the data is output, the specific value data is selected (or clicked) from the advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) in the customer terminal 995 shown in FIG. Then, the value server (or value corresponding to the value information) corresponding to the selected (or clicked) value data in the customer terminal 995 in the advertisement server 150 shown in FIG. For the process of issuing, the person of ordinary skill in the art to which the present invention pertains, the website (or blog) by referring to and / or modified in this drawing 12 Although various implementation methods for the process of issuing value information (or value corresponding to value information) corresponding to the value data may be inferred, the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 12 illustrates an implementation method for issuing value information (or value corresponding to value information) corresponding to the selected (or clicked) value data to the value type account of the customer for convenience, the value is described. An implementation method for issuing information (or a value corresponding to the value information) includes an implementation method for issuing to the customer's value receiving means 997 in addition to the value-type account, whereby it is apparent that the present invention is not limited thereto. It is a bar.

12, the customer terminal 995 on the data processing system shown in FIG. 9 is referred to as " terminal " for convenience.

Referring to FIG. 12, at least one advertisement data and value data is transmitted to a client terminal 995 on the data processing system shown in FIG. 9 through a process of providing advertisement data (or advertisement data and value data) shown in FIG. 10. After outputting, if the terminal selects (or clicks) specific value data among advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) (1200), the terminal receives the terminal. In operation 1205, the value issuance request information corresponding to the selected (or clicked) value data is transmitted to the advertisement server 150 through a communication network.

Here, the value issuance request information preferably includes at least one or more link information and parameter information confirming that the value data is selected (or clicked) by the terminal.

Receiving the value issuance request information, the ad server 150 confirms the website information and the advertisement output area information corresponding to the value issuance request information (1210), and confirms the link in conjunction with the website D / B (990) Check the value issuance interface information corresponding to the identified advertisement output area information among at least one value issuance interface information associated with the website information (1215), and the identified value issuance interface to the terminal through the communication network; Providing and processing through the advertisement output frame (or region) (1220).

Thereafter, the terminal inputs value issuance information including at least one or more value type account information and value issuance authentication information for the value issuance through the value issuance interface, and transmits it to the advertisement server 150 (1225). In response, the advertisement server 150 confirms the validity of the value account of the customer registered through the value type account registration system shown in FIG.

Here, the validity check on the value-type account, value-type account validation to confirm that the value-type account of the customer is validly registered, and the value information (or value) corresponding to the value issuance information to the value-type account And value account validation to confirm that it is possible to issue and process value corresponding to the information.

If the value type account validity is not confirmed (1235), the advertising server 150 generates the value type account validity error information and transmits it to the terminal (1240).

On the other hand, if the validity of the value-type account is confirmed (1235), the ad server 150 in conjunction with the advertisement D / B (983) and the value information (or value corresponding to the value information) corresponding to the value issuance information In operation 1240, the controller 20 processes the identified value information (or the value corresponding to the value information) to the value type account of the customer in connection with the financial company server 155 through a communication network (1245).

According to an embodiment of the present invention, the advertisement server 150 issuing and processing value information (or value corresponding to the value information) corresponding to the value issuance information to the value type account of the customer, the advertisement server ( The value 150 corresponds to the value information (or value corresponding to the value information) to the financial company server 155 which operates the value type account registered through the value type account registration system shown in FIG. 3 through the communication network. When the issue history information is transmitted, the financial company server 155 preferably includes recording the value issue history information in the value type ledger.

In addition, the advertisement server 150 processes the charge for issuing value information (or value corresponding to the value information) (1270).

According to an embodiment of the present invention, the ad server 150 preferably checks the billing confirmation information (eg, CPA (Cost Per Action) based billing confirmation information) corresponding to the issue of the value through the value issuance request information. .

Here, the billing confirmation information (for example, cost per action (CPA) based billing confirmation information) corresponding to the value issuance, and the customer terminal 995 address information (or customer member ID information) that transmitted the value issuance request information; The value account information of the customer, the value information (or value corresponding to the value information) provided to the value account (e.g., coupon information, voucher information, discount coupon information, ticket information, gift certificate information, Point information, electronic money information, multimedia content information, product description information, and the like, and information corresponding to the advertisement providing date and time and value information (or value information) identified through a predetermined timer (not shown). At least one or more advertiser information for issuing (or issuing) and the advertisement server 150 is preferably included.

When the charging confirmation information corresponding to the value issuance is confirmed, the advertisement server 150 confirms the charging policy information associated with the advertisement data corresponding to the confirmed charging confirmation information in association with the advertisement D / B 983. And, it is preferable to check the advertisement price information for each advertisement provided corresponding to the confirmed charging policy information, and to generate predetermined deposit balance information by subtracting the confirmed advertisement amount information from the deposit information.

Here, the advertisement amount information corresponds to the issue of the value according to the charging policy information included in the advertisement registration information when at least one value is issued to the customer terminal 995 (or the value type account of the customer). It is preferable to include an advertising fee.

According to the exemplary embodiment of the present invention, the advertisement server 150 stores the deposit balance information in predetermined billing information D / B 985 in association with billing confirmation information and advertisement amount information corresponding to the issue of the value, It is desirable to complete the charging process corresponding to the issue of the value.

13 is a diagram illustrating a process of settlement of a fee amount corresponding to an advertisement provision (or value issue) to a website operator through a rechargeable account according to an embodiment of the present invention.

In more detail, FIG. 13 provides at least one or more advertisements to at least one or more client terminals 995 through an advertisement provision (or value issuance) process shown in FIG. 11 or 12, or a value account of the customer. (Or value receiving means 997) after issuing value information (or value corresponding to the value information), the website (or blog, or for providing the advertisement (or value issuance) to the customer terminal 995 A fee amount to be settled to the website operator who provided the personal homepage), and the calculated fee amount through the rechargeable account opened in the name of the website operator through the rechargeable account registration system shown in FIG. In the process of settlement of the present invention, those of ordinary skill in the art to which the present invention belongs, the present reference to 13 and / or modified to provide the advertisement ( Alternatively, it may be possible to infer various implementation methods for the process of settlement of the fee amount corresponding to the issuance of the value to the website operator through the recharged account, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

In the following Figure 13, the customer terminal 995 on the data processing system shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 13, at least one or more advertisements may be provided to at least one or more customer terminals 995 through the advertisement providing (or value issuing) process illustrated in FIG. Or after issuing value information (or value corresponding to the value information) to the value receiving means 997, the server is linked with the billing information D / B 985 to the website (or blog or personal homepage). Check the advertising amount information corresponding to the value issued to the advertisement provided to the customer terminal 995 (or the customer's value type account (or value receiving means 997)) (1300), and the confirmed advertisement A fee amount to be paid to the website operator is calculated among the amounts (1305).

According to an embodiment of the present invention, the fee amount is preferably calculated according to the fee calculation policy of the advertisement provider, and if the calculated fee amount exceeds a predetermined amount, it is preferable to be settled to the website operator. .

If the fee amount to be paid to the website operator is calculated (1310), the server checks whether the condition for paying the calculated fee amount to the website operator is satisfied (1315).

If the result of the check is that the calculated fee amount satisfies the payment condition (1320), the server checks the rechargeable account information associated with the website information in connection with the website D / B 990 ( In operation 1330, the calculated fee amount is settled to the rechargeable account in connection with the financial company server 155 corresponding to the rechargeable account information (1330).

According to the implementation method of the present invention, the server may withdraw the calculated fee amount from the financial account of the advertising provider provided in the financial company and settles and deposits the recharged account of the website operator.

According to the present invention, when paying the advertisement fee to the website operator who outputs the keyword advertisement (or contextual advertisement), the charge is made through the rechargeable online account of the website operator's name in which the actual account of the advertisement provider's name is the parent account. By processing the advertising fee, the advertising provider has the advantage of convenient settlement processing without a separate settlement fee (or financial fee).

According to the present invention, when paying the advertisement fee to the website operator who outputs the keyword advertisement (or contextual advertisement), the charge is made through the rechargeable online account of the website operator's name in which the actual account of the advertisement provider's name is the parent account. By processing the advertising fee, the website operator has the advantage of being able to withdraw / transfer the advertising fee conveniently through the rechargeable account.

Claims (2)

Rechargeable account opening means for opening a rechargeable account under the name of the website (or blog) operator whose advertising account is affiliated with the advertisement provider through the website (or blog); Commission calculation means for calculating an advertisement fee to be paid to an operator of the website (or blog) when providing an advertisement through the website (or blog); An advertisement fee settlement system comprising: a settlement processing means for settingtle and depositing the advertisement fee to the chargeable account in association with a server managing the chargeable account; A storage medium that stores, in association with the website (or blog) operator information, chargeable account information opened in the name of the website (or blog) operator when the advertisement provider is affiliated with the advertisement output through the website (or blog); Commission calculation means for calculating an advertisement fee to be paid to an operator of the website (or blog) when providing an advertisement through the website (or blog); Check the chargeable account associated with the website (or blog) operator information in connection with the storage medium, and settle and deposit the advertising fee to the chargeable account in connection with the server managing the chargeable account Advertising fee settlement system characterized in that it comprises a processing means;

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