KR20090062728A

KR20090062728A - Actual money withdrawal method of cyber point

Info

Publication number: KR20090062728A
Application number: KR1020070130148A
Authority: KR
Inventors: 오형완
Original assignee: 오형완
Priority date: 2007-12-13
Filing date: 2007-12-13
Publication date: 2009-06-17

Abstract

A cash withdrawal method of a cyber point capable of carrying substantial economical values in which the cyber point is provided to promote the activation of portal sites by using each cyber points by drawing out from a kiosk terminal. A subscriber requests cash withdrawal(S100). The kiosk hardware performs a subscriber authentication process(S200). A controller of a point operator confirms the retained points of the corresponding subscriber(S300). The controller compares withdrawal points and possession points. The controller transmits the control signal performing the cash withdrawal with the approval to the kiosk hardware(S500). The kiosk hardware outputs the possession points of subscriber or the receipt(S600). The actual cash is drawn through the kiosk hardware.

Description

ACTUAL MONEY WITHDRAWAL METHOD OF CYBER POINT}

The present invention relates to a cash withdrawal method of cyber points, more specifically, a plurality of users online or offline by converting the cyber points earned through services such as watching various commercials or advertisements, quiz solving, game performance, etc. The present invention relates to a method for withdrawing cash points for cyber points, which can be directly withdrawn through a kiosk dispenser.

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

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. Of course, the area is also expanding, and the number of operators using the Internet is gradually increasing.

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

With the development and expansion of high-speed communication network technology, Internet shopping malls are being actively used to enable consumers to conveniently purchase desired goods or services through the Internet without visiting the stores. It is possible to save time and money by deviating from the direct purchase form, and also to reduce the selling price by reducing the logistics cost on the seller side.

The internet shopping mall website shows detailed information and price of the product when the user who clicks it clicks the product to purchase. Upon seeing the product information and price, the user decides whether to purchase the product, and if the user wants to purchase, the user purchases the product by registering his payment information. In addition, if the product is delivered through offline and the product is not of the desired quality or there is a defect in the product, it may request a return or refund of the product within a certain period.

Such an Internet shopping mall is usually operated by a subscription system in relation to payment information, and is registered as a regular member, a regular member purchases a specific product, or an existing regular member adds a new member to an internet shopping mall where he is a member. Bonus points are given to regular members, such as those who are recommended and enrolled, that can be used as cash substitutes when purchasing products or exchanged for cash upon request.

For example, there are disclosed a number of similar types of bonus point monetization, including Korean Patent Publication No. 2000-0006708, 2001-0105120, 2004-0018576.

However, all of these disclosed technologies were inconvenient because the process of cashing (goods that can be used like cash) was very complicated, and even if the cashing was possible, the actual cash was not paid, but provided only a substitute means such as a gift certificate. In addition, its use was limited to a limited number of merchants, and in fact, it was restricted from being freely used like real cash.

Therefore, consumers have cyber points, such as bonus points, but they are very vulnerable in terms of their utilization, and in some cases, economic loss is invisible, such as holding points being deducted or deleted when a certain period of time has elapsed.

The present invention was created in view of the above-mentioned problems in the prior art, and was created to solve this problem. The cashable cyber point converted to a certain ratio using a dedicated kiosk terminal is 100 won / 500 won / 1000 won / The cyber point cash withdrawal method allows users to immediately withdraw money at 5,000 won / 10000 won and activates various portal sites including internet shopping malls, and enables users to use various cyber points as actual value of goods. We make offer main problem.

The present invention provides a means for achieving the above-described problem, a method for the subscriber to withdraw the cyber points obtained on-line or off-line in real cash; Requesting cash withdrawal by a subscriber inputting his / her information to a dedicated kiosk terminal which converts the cyber points into cash and withdraws them into real cash; When the cash withdrawal is requested, the kiosk terminal communicating with the signal processing unit of the point operator, and searching the subscriber DB according to the control signal of the controller to authenticate the corresponding subscriber; When the subscriber is authenticated, the controller checks the point DB again by checking the point DB, and converts the cash requested by the subscriber through the kiosk terminal to the withdrawal point based on the prescribed conversion rate through the operation unit and stores it in the memory unit. Comparing the holding points with the withdrawal points; As a result of the comparison, the control unit transmits an error message to the kiosk terminal when the holding points are small, and causes the kiosk terminal to terminate the cash withdrawal process. Transmitting a cash withdrawal approval signal to the kiosk terminal after updating and reducing the amount of money; The kiosk terminal receiving the cash withdrawal approval signal provides a cyber point cash withdrawal method comprising the steps of outputting the cash conversion history or the receipt and then withdrawing the actual cash to the subscriber as much as he requested.

At this time, in the subscriber cash withdrawal request step, if the subscriber enters the magnetic card or IC card issued to the kiosk terminal and the card information is read, and the subscriber enters the withdrawal amount, the kiosk terminal is the cash balance held by the terminal Compared with the withdrawal request amount, if the cash balance is insufficient, the step of re-entering the withdrawal amount after outputting an error message is also characterized.

In addition, the subscriber authentication step, the control unit of the point operator checks the password entered by the subscriber via the subscriber DB outputs an error message, if not a legitimate user and transmits a control signal to the kiosk terminal to re-enter the password, It is also characteristic that the legitimate user is configured to perform the next step.

In addition, in the subscriber authentication step, the password re-entry is limited to three times.

Furthermore, in the actual cash withdrawal step through the kiosk terminal after the cash withdrawal approval, the withdrawn cash is characterized in that 100 won / 500 won / 1000 won / 5000 won / 10000 won units.

According to the present invention, various cyber points can be withdrawn from real money in a kiosk terminal and used in reality, thereby promoting activation of various portal sites including an internet shopping mall, and allowing cyber points provided to consumers to have virtually economic value. To provide.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment according to the present invention.

1 is a block diagram illustrating an apparatus for explaining a cash withdrawal method of a cyber point according to the present invention, and FIGS. 2 to 4 are flowcharts illustrating a method for withdrawing cyber points according to the present invention.

In order to implement cash withdrawal of the cyber point according to the present invention, a device configuration as shown in FIG. 1 is required.

For example, a kiosk terminal 200 that checks the information of the subscriber 100 according to the cash request of the subscriber 100 and pays the actual cash according to the result, and is connected to the kiosk terminal 200 to the kiosk. It checks the information requested from the terminal 200, searches for the subscription information, point information of the corresponding subscriber 100, stores the required operation and the results according to the search results and transmits the signal to the kiosk terminal 200 Point operator 300 is composed of.

In this case, signal processing between the kiosk terminal 200 and the point operator 300 may be performed through a telephone line, a PSTN network, an Internet network, or the like. In some cases, the signal processing may be performed using a mobile communication network (base station). This is just a choice between operators.

In addition, the subscriber 100 is a person subscribed as a member to the point operator 300, the person authenticated through an appropriate authentication procedure, which is recorded in the subscriber DB 340 of the point operator 300.

In addition, the authentication and joining procedure of the subscriber 100 may be performed in a known manner. For example, the subscriber 100 may enter a personal information and receive an ID and a password.

In addition, the subscriber 100 can be used to directly use the kiosk terminal 200 by issuing a magnetic card or IC card at the request of the subscriber 100 to use the kiosk terminal 200 when the authentication is confirmed. .

On the other hand, the kiosk terminal 200 is typically a type similar to a well-known cash machine, unlike the general cash machine is a terminal used only for withdrawing points to cash.

The kiosk terminal 200 performs a cash withdrawal function at the request of the subscriber 100 having the above-described magnetic card or IC card. Although not shown, the kiosk terminal 200 may communicate with the point operator 300. Additional must be implemented.

In addition, the kiosk terminal 200 is configured to withdraw cash in current currency units, such as 100 won / 500 won / 1000 won / 5000 won / 10000 won unit, unlike the general cash machine.

Of course, withdrawal units can be adjusted in some cases, in order to increase the utilization rate so that cyber points can be used directly in cash.

On the other hand, the point operator 300 and the control unit 310, such as a CPU of the computer, and the signal processing unit 320 is connected to the control unit 310 and communicates with the external line, that is, the kiosk terminal 200 for signal processing A subscriber DB 330 including subscription information and authentication information of the subscriber 100 and controlled to be input / output by the controller 310, and linked to the subscriber DB 330 and connected to the controller 310. Point DB (340) is controlled by the control unit 310, and is controlled by the control unit 310 and the account is created by creating an account for the subscriber 100, the points of the subscriber 100 is accumulated and stored in the account It includes a calculation unit 350 for calculating and adding and storing the stored points according to a predetermined rule, and a memory unit 360 for temporarily storing and inputting and outputting information necessary for the processing of the operation unit 350.

At this time, the signal processing unit 320 is configured to perform this by a protocol determined according to the characteristics of a communication network, such as a PSTN network, the Internet network, and a mobile communication network, and may be made through TCP / IP or RF processing.

In addition, the operation unit 350 performs a function of a kind of billing server, and the memory unit 360 may be an EEPROM.

In addition, the point operator 300 may be implemented to manage up to the point of the affiliate 400, for example, as shown in Figure 1 and the partner 400 made of the same or similar configuration as the point operator 300 and It may be configured to be managed so as to be collectively managed by the point operator 300 by adding up to the points of the affiliated company 400 by being connected to the communication signal processing.

In this case, it is important that all points of cash flow process should be performed centering on the point operator 300 directly connected to the kiosk terminal 200, and all of the processing information related to the subscriber DB 340 of the point operator 300 will be performed. And point DB 340 should be recorded.

In addition, if necessary, as illustrated in FIG. 1, a separate terminal manager 500 for managing the kiosk terminal 200 may be further provided.

If the terminal manager 500 is absent, the point operator 300 directly manages the kiosk terminal 200. In this case, the kiosk terminal 200 is managed to troubleshoot the kiosk terminal 200. , Replacement, as well as cash mounting, the concept of accepting and responding to complaints when using the terminal of the subscribers (100).

In addition, the above-described devices are already known devices, and the present invention has been made so that the cyber points can be withdrawn directly to cash by using these devices properly so that they can be used more effectively in real life.

Hereinafter, a method of implementing the present invention using the apparatus will be described in detail with reference to the flowcharts of FIGS. 1 and 2 to 4 described above.

As shown in FIG. 1 and FIG. 2, first, the subscriber 100 requests a cash withdrawal through the kiosk terminal 200 (S100).

At this time, the subscriber 100 can easily access the kiosk terminal 200 by using a magnetic card or an IC card issued to him, and also points to withdraw cash points through the kiosk terminal 200. The operator 300 can be automatically requested.

In this case, the steps as shown in FIG. 3 may be further performed as necessary.

That is, when the magnetic card or IC card possessed by the subscriber 100 is inserted into the kiosk terminal 200, the kiosk terminal 200 reads the card and outputs a window for inputting the withdrawal amount on the screen (S101, S102).

Subsequently, when the subscriber 100 inputs an amount to be withdrawn in cash, the kiosk terminal 200 receives the same and compares the remaining balance in the terminal with the amount of the withdrawal request and stores the next step if the amount in the terminal is large. If it is small, an error message indicating that cash cannot be withdrawn is output, and a window for re-entering the withdrawal amount is output (S103, S104, S105).

By doing so, it is possible to prepare for the case where the amount of money in the kiosk terminal 200 is insufficient.

On the other hand, when the subscriber 100 withdraws the cyber points he / she owns through the kiosk terminal 200 in cash in the subscriber cash withdrawal request step (S100), the kiosk terminal 200 then the subscriber (100) With the basic information contained in the magnetic card or the IC card input is communicated with the point operator 300 and undergoes a subscriber authentication step (S200).

In the subscriber authentication step (S200), the kiosk terminal 200 communicates with the signal processor 320 of the point operator 300 to form a channel, and then transmits the information obtained from the magnetic card or the IC card of the subscriber 100. Then, the control unit 310 of the point operator 300 receives the confirmation through the subscriber DB (330) whether the subscription facts, personal information, etc. of the subscriber 100 is matched.

In particular, during the verification process, it is preferable that the subscriber 100 also check the password to be used when using the initial kiosk terminal 200.

In this case, a more accurate subscriber 100 authentication may be performed through a separate process as shown in FIG. 4. For example, in the subscriber cash withdrawal request step (S100), the magnetic card or the IC card may be transferred to the kiosk terminal 200. After the insertion, the kiosk terminal 200 inputs the password of the subscriber 100 as shown on the screen, and the controller 310 of the point operator 300 receives the subscriber 100 information contained in the subscriber DB 330. The kiosk terminal 200 may be configured to determine whether to authenticate the subscriber based on whether the kiosk terminal 200 is matched (S201, S202).

In this case, if the password entered by the subscriber 100 is incorrect or the subscriber 100 does not have the fact that the subscriber 100 itself is registered, an error message is output. If the password is incorrect, the user inputs the password three times. If it is possible to request, otherwise it is preferable to terminate the process completely to prevent financial accidents (S204).

On the other hand, if it is authenticated as a normal subscriber 100 through the subscriber authentication step (S200), then the control unit 310 of the point operator 300 retrieves the point DB (340) to store the points of the subscriber (100) The step of checking is performed (S300).

In this case, the controller 310 accurately searches and confirms a retention point for the subscriber 100 of the point DB 340 that matches the subscriber information checked through the subscriber DB 330 described above.

When the holding point of the subscriber 100 is confirmed through the holding point checking step (S300), the controller 310 again performs a step of comparing the withdrawal point and the holding point for the amount requested to be withdrawn (S400).

The comparison step (S400) is performed by the control unit 310 using the operation unit 350 in the point operator 300, wherein the operation unit 350 may be a server having a kind of billing (Billing) function. .

That is, the operation unit 350 converts the holding point into available cash according to a prescribed conversion ratio (which may be differently defined for each site as a ratio for converting cyber points into cash) and stores them in the memory unit 360. Then, the withdrawal request cash transmitted from the kiosk terminal 200 and the converted available cash are compared with each other according to the control signal of the controller 310 to determine whether the available cash is larger or smaller than the withdrawal request cash.

In this case, if the available cash is less than the withdrawal request cash, that is, if the holding point is less than the withdrawal point, an error message is output and a control signal for terminating all the point cash withdrawal conditions of the corresponding subscriber 100 is output. The controller 310 transmits the signal to the kiosk terminal 200 through the signal processor 320, and the received kiosk terminal 200 completely terminates the cash withdrawal process (S800).

However, if the available cash is greater than the withdrawal request cash, the calculation unit 350 reduces the holding points of the subscriber 100 by the switching point corresponding to the withdrawal request cash amount according to the control signal of the withdrawal request cash. The DB 340 is updated, and when the update is completed, the controller 310 transmits a control signal for approving the cash withdrawal to the kiosk terminal 200 (S500).

Accordingly, the kiosk terminal 200 receiving the control signal from the control unit 310 outputs the retention point of the subscriber 100, which is converted into cash by the corresponding amount, on the screen of the kiosk terminal 200 or, if necessary, a receipt. It will be output (S600).

Subsequently, actual cash is withdrawn from the unit of 100 to 10000 won by the request amount of the subscriber 100 through the kiosk terminal 200 (S700).

In this way, cyber points acquired through various sites including the Internet portal can be converted into real money and withdrawn, thereby increasing the value of use as a good and helping the activation of Internet sites.

In addition, although not described in detail, cyber points of affiliates 400 may be managed through the point operator 300 at the same time in connection with affiliates 400 in the same manner as described above.

1 is a block diagram of an apparatus for explaining a method for withdrawing cash from a cyber point according to the present invention;

2 to 4 is a flow chart illustrating a method for withdrawing cash points of cyber points according to the present invention.

♧ description of the symbols for the main parts of the drawing ♧

100 .... subscriber 200 .... kiosk terminal

300 .... Point Operator 400 .... Partner

500 .... Manager

Claims

What is claimed is: 1. A method of withdrawing cash points, which subscribers acquire online or offline, with real cash;

Requesting cash withdrawal by a subscriber inputting his / her information to a dedicated kiosk terminal which converts the cyber points into cash and withdraws them into real cash;

When the cash withdrawal is requested, the kiosk terminal communicating with the signal processing unit of the point operator, and searching the subscriber DB according to the control signal of the controller to authenticate the corresponding subscriber;

When the subscriber is authenticated, the controller checks the point DB again by checking the point DB, and converts the cash requested by the subscriber through the kiosk terminal to the withdrawal point based on the prescribed conversion rate through the operation unit and stores it in the memory unit. Comparing the holding points with the withdrawal points;

As a result of the comparison, the control unit transmits an error message to the kiosk terminal when the holding points are small, and causes the kiosk terminal to terminate the cash withdrawal process. Transmitting a cash withdrawal approval signal to the kiosk terminal after updating and reducing the amount of money;

The kiosk terminal receiving the cash withdrawal approval signal outputs cash conversion history or outputs a receipt and then withdraws the actual cash to the subscriber as much as he requested.

The method according to claim 1;

In the subscriber cash withdrawal request step, when the subscriber enters the magnetic card or IC card issued to the kiosk terminal and the card information is read and the subscriber inputs a withdrawal amount, the kiosk terminal withdraws the cash balance and withdrawal held by the terminal. Comparing the request amount, if the cash balance is insufficient, the step of re-entering the withdrawal amount after outputting an error message is further carried out.

The method according to claim 1;

In the subscriber authentication step, the control unit of the point operator checks the password entered by the subscriber through the subscriber DB, outputs an error message if it is not a valid user, and then transmits a control signal to the kiosk terminal to input the password again. If the cash withdrawal method of cyber points, characterized in that configured to perform the next step.

The method according to claim 3;

In the subscriber authentication step, the cyber point cash withdrawal method characterized in that the password re-entry is limited to three times.

The method according to claim 1;

In the actual cash withdrawal step through the kiosk terminal after the cash withdrawal approval, the cash withdrawal method of the cash point, characterized in that 100 won / 500 won / 1000 won / 5000 won / 10000 won units.