KR20130109725A - Method and apparatus for providing game money loan in online game - Google Patents

Abstract

PURPOSE: An on-line game money loan method and an apparatus are provided to provide the gradation loan of the on-line game money depending on the credit grade of a user, thereby performing the game continuously. CONSTITUTION: A game money loan apparatus firstly sets up a loan evaluation method (S100), and determines whether a game money loan request signal is received from a user terminal (S200). When the game money loan request signal is received, the game money loan apparatus evaluates the security in which a user had set up and the credit of user, and loans the game money (S300). A user with the game money loan progresses the game by using a user terminal (S400). The game money loan apparatus receives the game money from user when a game money repayment signal is received from the user terminal while processing the game or when the game money repayment period comes (S500). If the game money is repaid, the game money loan apparatus determines whether the user completed the repayment of all game money in loan (S600). If the game money loan apparatus determines as the repayment of all game money in loan was completed, the security is released (S700). [Reference numerals] (AA) Start; (BB,DD) No; (CC,EE) Yes; (FF) End; (S100) Set a loan evaluation method; (S200) Is there any request for borrowing game money ?; (S300) Give a game money loan considering collaterals and credit ratings; (S400) Play a game; (S500) Repay the game money; (S600) Has the repayment completed ?; (S700) Lift the collateral status

Description

METHOD AND APPARATUS FOR PROVIDING GAME MONEY LOAN IN ONLINE GAME}

The present invention, in the online game, loans the game money as collateral for the item or experience owned by the user, and provides a differential loan according to the user's credit rating by giving a credit rating based on the user's game credit rating It is about technology to do.

Online games are a big part of online culture industry due to the development of network and computer technology. With the development of online games, users have been demanding online games of various genres, and online games of a very wide variety of genres are now being served.

Recently, most online games use Game Money, which is commonly used in games. The game money can be obtained by performing the game in the game. However, in some cases, the currency may be obtained by converting real money into game money or by selling items owned by the user.

In online games, users use game money to purchase items for the characters in their games to use, increase the character's abilities, and perform missions of higher difficulty in the game as the character's abilities increase. You can earn more game money as well as increase your experience.

However, some users want to perform missions of high difficulty, but the game money is insufficient to perform the mission, resulting in loss of interest in the game. In particular, as the importance of game money or item acquisition increases in the progress of a game in an online game, users' demand for game money is increasing.

Users also use cash trading sites outside of online games to earn game money. Such a cash transaction site is mainly made as a transaction between users, but various problems occur due to the nature of the transaction between users. In addition, since real money is used as a means of trading, transactions using cash trading sites are not only social problems, but also lead to negative images of online games.

Accordingly, the present invention, in the online game, loans the game money as collateral for the user owned items or experience value, and give a credit rating based on the user's game credit rating to make the game money according to the user's credit rating The purpose is to reduce the user's cash transactions and to continue to play the game.

In order to achieve the above object, a game money loan method for an online game according to an embodiment of the present invention comprises the steps of: setting a loan method for loaning a game money to at least one user by the game money loan apparatus of the online game; When the game money loan request signal is received from a user terminal, determining whether the user meets the loan criteria; Evaluating the value of the collateral received from the user terminal when the user determines that the user meets the loan criteria; Calculating a loan rate and an interest rate by evaluating the credit of the user from the user information of the user; Loaning game money to the user by calculating a game money loanable amount based on the value of the evaluated collateral and the evaluated user's credit; After loaning the game money to the user, the set game money loan amount repayment period is counted, and when the repayment period arrives, the game money loan amount is deducted from the game money held by the user by subtracting the set repayment amount according to a preset repayment criterion. Redeeming; And assigning a predetermined penalty to the user when the game money held by the user is less than the repayment amount when the redemption period arrives. .

The setting of the loan method may include collecting a bad user list from a game server; Setting the loan criteria for determining whether the user is to be provided with the game money loan; Setting an evaluation criterion for at least one of an item settable as the collateral and an experience value of the user; Setting credit rating criteria for setting at least one credit rating of one of a plurality of credit ratings preset for each of the at least one user; Setting interest criteria for applying different interest rates to the credit ratings; Setting a loan amount repayment criterion including a loan period and a repayment extendable period for the loan amount; And setting the penalty to be granted to the user when the user does not repay the game money loan amount. .

The determining of whether the user meets the loan criteria may include displaying a security setting screen on which the user can select a security; Determining whether the user corresponds to the preset loan criteria when the user is not a registered user in the bad user list; If the user corresponds to the loan criterion, setting the loanable user; And if the user is a user registered in the bad user list or a user who does not correspond to the predetermined loan criterion, displaying the loan criterion on the user terminal and stopping the loan; .

Preferably, the loan criterion is a predetermined criterion for at least one of the period of joining the online game, the number of accesses to the online game, and the previous game money loan history of the user.

The evaluating the value of the collateral may include displaying a character information window including character information and a character change button to be operated by the user in a game; Receiving a security setting signal for setting one of the item possessed by the user or the user's experience value as a security from the user terminal; Performing a value evaluation according to the evaluation criteria to calculate the value for the collateral set by the user terminal as the game money; Displaying the game money corresponding to the value of the collateral calculated according to the value evaluation as the evaluation amount on the user terminal; And determining the security when the security confirmation signal is received from the user terminal. .

The performing of the valuation may include determining whether the set collateral is the item or the user's experience value; If the set collateral is the item, evaluating the collateral according to an item evaluation criterion among the evaluation criteria; And evaluating the collateral according to an experience evaluation criterion among the evaluation criteria when the set collateral is the user's experience value. .

The calculating of the loan rate and the interest rate may include: setting a credit rating of the user to one credit rating of the plurality of credit ratings by evaluating the credit of the user; Retrieving the loan ratio preset for the credit rating of the user; And acquiring the interest rate preset for the credit rating of the user; .

In the loaning of the game money, the loanable amount is calculated using the evaluation amount and the loan ratio, and the loan request amount representing the amount of the game money that the user requests for loan is received from the user terminal. Setting a game money loan amount; Receiving a redemption selection signal from the user terminal, selecting one redemption criterion among at least one preset redemption criterion, and setting a redemption method for the game money loan amount according to the selected redemption criterion; And providing the game money corresponding to the set game money loan amount to the user to perform the game money loan. .

The setting of the game money loan amount may include: calculating the loanable amount by multiplying the evaluation amount by the loan ratio; Displaying the loanable amount and the interest rate on the user terminal; When the loan request amount is received from the user terminal, determining whether the loan request amount exceeds the loanable amount; Displaying the loan request amount on a user terminal when the loan request amount is less than the loanable amount; And determining the loan request amount as the game money loan amount upon receiving a loan amount confirmation signal from the user terminal. .

The setting of the repayment method may include: displaying the preset plurality of repayment criteria on the user terminal; Receiving a redemption selection signal from the user terminal and selecting one redemption criterion among the plurality of redemption criteria; Setting a loan period and a repayment cycle according to the selected repayment criteria; Calculating a game money amount to be repaid for each repayment cycle according to the loan period, the repayment cycle, and the interest rate, and displaying the calculated game money on the user terminal; .

The performing of the game money loan may include setting a non-transactional setting such that the security cannot be sold when the loan confirmation signal is received from the user terminal; Providing the user with game money corresponding to the game money loan amount; Counting the redemption period to determine that the redemption period has arrived; .

Repaying the game money loan amount may include: determining whether the repayment date has arrived; When the redemption date arrives, redeeming the redemption setting game money by subtracting a redemption setting game money set to be redeemed on the redemption date by the redemption method among the game money held by the user; Determining whether a redemption request signal is received from the user terminal when the redemption date is not reached; Receiving a user-specified game money amount from the user terminal when a regular redemption request signal is received; And subtracting the custom game money amount from the game money held by the user to redeem the fraudulent custom game money. .

Repaying the redemption setting game money may include: displaying on the user terminal that the redemption date has arrived; Determining whether a game money held by the user exceeds the redemption setting game money when receiving a redemption confirmation signal from the user terminal; Subtracting the redemption setting game money from the game money held by the user when the game money held by the user exceeds the redemption setting game money; Determining whether a redemption extension request signal is received from the user terminal when the redemption confirmation signal is not received; Determining whether the user's redemption period has exceeded the redemption extension limit set in the redemption criterion when the redemption extension signal is received or when the game money held by the user is less than the redemption set game money; Extending the repayment period of the user when the repayment period of the user exceeds the repayment extension limit; And providing the penalty to the user when the repayment extension request signal is not received, or when the repayment extension period of the user exceeds the repayment extension limit. .

The providing of the penalty may include: replacing the collateral with an item having a value lower than the value of the item set as the collateral if the collateral is the item; And lowering the experience value if the collateral is the user experience value. .

The game money loan method of the online game may include: providing a loan mission for repaying a predetermined amount of the game money loan amount to the user as the user progresses a game; .

The providing of the loan mission may include determining whether the user is a loan user who received the game money loan; If the user is the loan user, displaying the loan mission on the user terminal of the user; Providing the loan mission to the user upon receiving the mission approval signal from the user terminal; And subtracting, by the user, the game money preset for the loan mission from the game money loan amount when the user completes the loan mission. .

In order to achieve the above object, a game money loan apparatus for an online game according to an embodiment of the present invention comprises: a user information analyzer for receiving and storing user information from a game server and analyzing the received user information; A collateral and credit evaluator which receives the user information from the user information analyzer to evaluate the credit of the user and evaluates the value of the collateral set in the user terminal; A loan amount for calculating a loan amount according to the value of the evaluated collateral and the user's credit rating, providing the game money loan amount to the user, and calculating the loan balance when the user repays the loaned game money. A calculator; Calculating a redemption period for storing a plurality of redemption criteria and counting a redemption time at which the user will repay the game money from the loan offer date when the user selects one redemption criterion among the plurality of redemption criteria. part; And a penalty setting unit for setting a penalty for formulating the user when the game money loaned by the user is not repaid. .

The game money loan apparatus of the online game may include: a loan mission setting unit provided to a loan user who borrows the game money, and setting a loan mission that may subtract a predetermined amount of the game money loan amount upon completion; .

The user information analysis unit, it is preferable to analyze the account, character, item information and game subscription period and the number of times of access, and the previous history of the game money loan of the user owned by the user.

The collateral and credit evaluation unit displays a collateral setting screen on the user terminal, receives a collateral setting signal from the user terminal, sets the collateral, performs a value evaluation on the set collateral, and analyzes the user information. After receiving the user information from the unit and performing the credit evaluation of the user, it is preferable to set the credit rating of the user to one of a plurality of preset credit ratings.

The loan amount calculation unit,

The loan amount determined according to the game money and the user's credit rating corresponding to the value of the collateral evaluated by the collateral and credit evaluation unit is calculated to calculate the loanable amount, and the loanable amount of the user The total repayment amount is calculated by applying an interest rate determined according to the credit rating, the repayment period is received from the repayment period calculation unit, the amount that the user must repay for each repayment period is calculated, and the user plays the game. When repaying the money loan amount, it is desirable to calculate the loan balance.

The repayment period calculation unit sets the repayment timing according to the repayment criteria, counts the repayment timing, indicates that the repayment timing has arrived at the user terminal, and when a request for extending the repayment time is received from the user terminal, It is preferable to extend the repayment period of the loan amount by determining whether the repayment period of the user exceeds the repayment period extension limit.

Therefore, in the online game, the user can loan the game money to the user with an item or experience value possessed by the user, so that the user does not use the cash transaction site unnecessarily. In addition, based on the user's game credit rating, the bank can give the user a credit rating similar to a bank so that the user can continuously access the game by lending and redeeming the game money according to the user's credit rating. In addition, by providing a mission according to the loan, and reducing the loan repayment due to the mission can increase the user's interest in the game. In addition, by reducing the user's cash transactions, it is possible to improve the social image of the game.

1 is a flowchart of a game money loan method of an online game according to an embodiment of the present invention.
2 illustrates a flow of setting a loan valuation method according to an embodiment of the present invention.
3 illustrates a flow of loaning game money to a user based on collateral setting and credit evaluation according to an embodiment of the present invention.
4 illustrates a flow of analyzing user information according to an embodiment of the present invention.
5 shows a flow of setting up a collateral according to an example of the present invention.
6 illustrates a flow of evaluating a user's credit according to an example of the present invention.
7 shows a flow of setting a loan amount according to an embodiment of the present invention.
8 illustrates a flow of setting a loan amount repayment method according to an embodiment of the present invention.
9 is a flow of lending game money to a user according to an embodiment of the present invention.
10 shows a flow of playing a game according to an embodiment of the present invention.
11 illustrates a flow of redeeming game money according to an embodiment of the present invention.
12 is a flowchart for redeeming a redemption setting game money according to an embodiment of the present invention.
Figure 13 is a block diagram of a game money loan apparatus for an online game according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings it will be described a game money loan apparatus and method according to each embodiment of the present invention.

The following embodiments are detailed description to help understand the present invention, and it should be understood that the present invention is not intended to limit the scope of the present invention. Accordingly, equivalent inventions performing the same functions as the present invention are also within the scope of the present invention.

In addition, in adding reference numerals to the constituent elements of the drawings, it is to be noted that the same constituent elements are denoted by the same reference numerals even though they are shown in different drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

In the embodiments of the present invention, " communication ", " communication network ", and " network " The three terms refer to wired and wireless local area and wide area data transmission and reception networks capable of transmitting and receiving a file between a user terminal, a terminal of another user, and a download server.

In the following description, the term " game server " refers to a server computer to which users are connected and connected to use game contents. In the case of a game having a small capacity or a small number of users, a plurality of game programs can be operated in one game server. In addition, in the case of a game having a very large capacity or a large number of real-time connections, there may be one or more game servers for operating one game depending on the functions of the game.

In addition, middleware for the database and servers performing payment processing can be connected to the game server, but a description thereof will be omitted in the present invention.

In the present invention, a character refers to all characters appearing in a game operated by users in an online game. The game character appears on the game screen and performs certain actions in the game according to the user's manipulation. In addition, the game character may increase in level while accumulating a certain experience value according to a result of the game, and the experience value of the character becomes higher as the level increases.

In the present invention, the loan refers to the loan of game money that is commonly used in online games rather than real currency. In addition, the repayment means a refund of the game money loaned by the user, and the interest generated on the loaned game money is also calculated as the game money. In the present invention, the collateral means an item on-line and an experience value of the user, not an offline item. Similarly, in the present invention, the amount also means a game money value that is calculated as game money.

In the present invention, a non-player character refers to a character that is not directly manipulated by a person in a game, and represents a character among a plurality of characters operated by an artificial intelligence of an online game. Neutral characters can provide additional help to players who play games, such as granting missions or quests to users, creating guilds, or giving away some items for free, depending on game characteristics.

1 is a flowchart of a game money loan method of an online game according to an embodiment of the present invention.

Referring to Figure 1, the game money loan apparatus first sets a loan evaluation method (S100). The loan valuation method sets a loanable user standard, a mortgage evaluation method, a credit evaluation method and an interest standard in an online game. Detailed description of the loan evaluation method will be described later.

When the loan evaluation method is set, it is determined whether a game money loan request signal is received from the user terminal (S200). A user may access a game server to play a game using a user terminal on which a game client is installed. At this time, the user may contact the building or the neutral character, which serves as a bank provided on the online game, to request a game money loan.

When the game money loan request signal is received, the game money loan device loans the game money by evaluating the security set by the user and the user's credit (S300). The game money loan apparatus receives the user information and determines whether the loan meets the loanable user criteria set in the loan evaluation method, and calculates the loanable amount based on the item or experience value held by the user. At this time, the game money loan apparatus may set the loanable amount to be higher than the security evaluation amount by applying the credit evaluation result of the user. In other words, the game money is loaned higher or lower than the evaluation amount of the item or experience value set as collateral according to the user's credit evaluation result. In addition, the game money loan apparatus sets a repayment method at the time of providing a loan, and sets the transaction to be impossible for an item or experience value set as collateral. This is to prevent the loss of collateral by selling or exhausting items or stats set as collateral after the user has loaned the game money.

The user who has loaned the game money proceeds to the game using the user terminal (S400). At this time, the game money loan device may provide a loan mission to the user who received the loan. The loan mission is provided only to the user who received the loan, and the game money loan device deducts a portion of the loan amount to the user who has completed the loan mission.

The game money lending device receives a game money redemption signal from the user terminal while the game is in progress, or receives a game money from the user when the game money redemption period arrives (S500).

When the game money is repaid, the game money loan apparatus determines whether the user has completed repayment of all game money in the loan (S600). If it is determined that the game money has not been repaid, the game proceeds again (S400). However, if it is determined that the repayment for all loaned game money is completed, the set collateral is released (S700).

That is, in the game money loan method according to the present invention, when a user requests a game money loan, the user receives a collateral from the user, evaluates the collateral and the user's credit, and loans the game money corresponding to the evaluated amount to the user. The user is allowed to repay the game money while the game is in progress, and releases the collateral when the loaned game money is repaid. Therefore, it is possible to positively change social perceptions of online games by preventing users from playing games smoothly due to lack of game money, thereby increasing satisfaction with games and reducing users' use of cash transactions sites. have.

2 illustrates a flow of setting a loan valuation method according to an embodiment of the present invention.

The flow of setting the loan method evaluation method first collects a bad user list from the game server (S110). The bad user list includes a user who attempted a hack or a user who was penalized for not repaying a previous loan. The black list may also include users who have created multiple accounts and applied for multiple loans. The bad user list is usually stored in the game server, but in some cases, the bad user list may be stored in the game money loan device, or may be stored in both the game server and the game money loan device. The bad user list is preferably set to be subject to loan regulation regardless of whether it meets the loan criteria.

When the bad user list is collected, a loan criterion is set (S120). The loan criterion is a user evaluation criterion for whether or not a particular user is a loan target, and is a criterion for filtering a user who falls short of the loan criterion before the user's credit evaluation. Basically, the game money loan is preferably provided to a user who accesses the game for a predetermined time or more and acquires a certain level or more of experience points. If a loan is provided to a user at the beginning of an online game subscription, the user may ignore various missions provided to the user to learn how to play the game at the beginning of the game connection or may not perform properly. A user who has not learned how to play often loses interest in the game. Therefore, in order to prevent such a problem, the game money loan method according to the present invention sets a loan criterion.

In addition, the game money loan apparatus sets a security evaluation criterion (S130). In the online game, various items, characters, and experience may be the subject of collateral. In the present invention, only items and experience are assumed to be collateral. The game money loan apparatus sets an evaluation method for each of a plurality of items that can be provided on the game, and sets an evaluation method for items that may be exhausted according to the use period or the frequency of use. In addition, since experience value is not an object that can be exchanged for game money in an existing online game, a fair collateral evaluation can be made by setting an exchange standard for experience money for game money.

After that, the game money loan apparatus sets a credit rating and a credit evaluation standard (S140). The credit evaluation is performed based on the user information, and the subscription period, the number of times of access, the item cash purchase history, and the current experience value included in the user information may be set as the credit evaluation target. In the present invention, the credit rating is to increase the interest on the game and induce continuous game access by allowing the user to pay the difference in the loan amount according to the user's credit.

When the credit rating is set, the game money loan apparatus sets an interest criterion. Game money loans are also loans, so if you offer loans at no interest, users can apply for loans indiscriminately. Accordingly, the game money loan apparatus of the present invention sets interest in order to prevent indiscriminate loans of users and to induce quick repayment of loan amounts of borrowed users. At this time, the interest may be set to be differentially applied according to the credit rating.

The game money loan apparatus sets the loan amount repayment standard (S160). The loan repayment criteria may include a loan period and a repayment extension period. In addition, the loan game money and the interest can be repaid at the same time, or only the interest for a certain period of time can be set to repay the principal together.

The game money loan device then sets a penalty. If the game money is loaned to the user, the user may not be able to repay the loan amount. Although it is possible to extend the repayment during the repayment extension period set as a correlation criterion, in some cases, a user needs to be prepared. Penalties can perform differential pressure on collaterals set up as a kind of user formulation. In this case, the foreclosure may be performed by replacing an item set by the user with another item having a low evaluation value or by reducing the experience value.

Finally, the game money loan apparatus sets a loan mission (S180). Loan missions are optional and not required in the game money loan method. However, it is possible to provide a special loan mission only to the borrowed user and to deduct the loan amount when the user who has received the loan has completed the loan mission so that the borrowed user can repay the loan more quickly. Providing loan missions can also make users more interested in the game.

3 illustrates a flow of loaning game money to a user based on collateral setting and credit evaluation according to an embodiment of the present invention.

Referring to FIG. 3, the game money loan apparatus first analyzes user information for requesting a loan (S310). Analyzing the user information is to determine whether the user who requested the loan is a loanable user that meets the loan criteria, and obtains information to perform user credit evaluation.

When the user information is analyzed, it is determined whether the user is a bad user registered in the bad user list (S320). As described above, the bad user list may include hacking, unpaid users for loaned game money, and loan application users using multiple accounts. Such rogue users are preferably regulated on the loan itself as malicious users before the credit rating is set low. Therefore, if the user who requested the loan is determined to be a bad user, it indicates that the loan eligibility requirements are not displayed to the user terminal of the user and does not provide a loan (S340).

However, if the user who requested the loan is not a user registered in the bad user list, it is determined whether the user satisfies the loan criteria. If the user does not meet the loan criteria, it indicates that the user does not meet the loan qualification requirements and does not provide a loan (S340). Since the game money lending device sets the lending criteria and does not give credit ratings to users who do not meet the lending criteria, it can prevent users from indiscriminately applying for loans and reduce the load of the game money lending devices for credit evaluation. have.

However, for multiple account users, loan criteria may be applied based on the account with the highest experience among multiple accounts. This is because it is unreasonable that a user who has already earned experience with another account is restricted from loans when proceeding to the other account. Therefore, when the user has multiple accounts, even if the experience of the account currently playing the game, even if the experience is low, it can be set to receive a loan using another account with high experience.

If the user satisfies the loan criteria, the security is set (S350). The game money loan apparatus sets an item or experience value selected by the user as collateral, and evaluates the value of the item or experience set as collateral. The security is set to set the basic amount of loanable game money and at the same time to induce the user to repay the loaned game money.

At this time, the collateral may be set as collateral for items or experiences of other accounts owned by the user. This is similar to the guarantee in off-line financing, and is applicable only when a plurality of different accounts are identified as accounts of the same user.

Once the collateral is established, the game money loan device evaluates the user's credit. User credit is performed based on user information. The evaluated user's credit is used as information to adjust the loan amount and interest rate based on the value of the value of the collateral. In other words, if the rated user's credit rating is high, the loan may have a higher amount than the value of the rated collateral or the interest rate may be lowered. On the contrary, if the rated user's credit rating is low, the loan may be loaned with an amount less than the value of the rated collateral or the interest rate may be increased.

When the credit is completed, the game money loan device sets the loan amount based on the value of the evaluated collateral and the credit rating (S370). At this time, the loan amount sets the maximum loanable amount, and the user may apply for a loan at an amount less than or equal to the maximum loanable amount. In addition, while setting the loan amount, the game money loan apparatus sets the interest rate. The interest rate can also be set based on the rated user's credit rating.

Thereafter, the game money loan apparatus sets a repayment method for the loan amount (S380). The repayment scheme may be variously set, but it is preferable to preset a plurality of repayment schemes in order to reduce the load of the game money loan apparatus, and to allow the user to select one of the preset repayment schemes.

If it is set up to the repayment method, the game money loan device loans the game money to the user (S390). At this time, the game money loan apparatus may display the amount of game money that can be loaned to the user terminal, receive the loan request amount from the user terminal, and loan the game money to the user.

4 illustrates a flow of analyzing user information according to an embodiment of the present invention.

The flow of analyzing user information first receives user information from a game server (S311). In some cases, the user information may be stored in the game money loan apparatus.

When the game money loan apparatus receives the user information, the game money loan apparatus analyzes the subscription period of the user (S312). This is to prevent users from joining online games for loans. That is, it is preferable that a user whose subscription period is within a predetermined period regulates the loan.

After analyzing the subscription period, the game money loan apparatus analyzes the number of times a user accesses (S313). Some of the users just create a simple account and do not play the actual game. Such a user has no history of playing the game even though the subscription period is long, and thus can be viewed as a user similar to the new subscription user. Therefore, in order to regulate a loan for a user who has fewer accesses, the game money loan apparatus analyzes the access times of the user. In particular, the game money loan apparatus may separately analyze the number of recent accesses of the user. The number of recent accesses is a number of accesses during a recently preset period, and may be a basis for determining whether a user is currently playing an online game.

The game money loan apparatus analyzes the account held by the user (S314). Recently, online games often allow one user to have multiple accounts. This is to allow the user to enjoy the game using a variety of characters to further increase the user's interest in the game. Since these multi-account users are primarily loyal to online games, they can be set higher in user credit ratings. However, if a user has a large number of accounts, but the level or experience level of all the accounts is low, the user may be determined to simply create an account with interest and then downgrade the user level.

After analyzing the previous loan history of the user (S315). The previous loan history is a record of the user's previous loan and repayment of the game money using his current account or another account he / she owned. Can be. However, if a user requests a repayment extension or multiple loans, the loan history can be analyzed to lower the credit rating.

In addition, the game money loan device analyzes the character for each user account (S316). The experience value or level may be set for the user, but in some cases, may be set for the character possessed by the user. In other words, in a game that is not easy to analyze the user's level or experience value, it is possible to set the user's rating by analyzing the character for each account of the user.

When the analysis for the character for each account is completed, the item for each character is analyzed (S317). The possessed item for each character may be used as a criterion for setting collateral or establishing a solidarity guarantee collateral, and adjusting a user's credit rating according to the possessed item.

The item purchase history of the user is analyzed (S318). Among the items, the items possessed by the user through purchase can be used as an index indicating the loyalty of the user's game, and thus can be reflected at a high rate in the user's credit rating. That is, a user with many purchase items can set a high credit rating.

5 shows a flow of setting up a collateral according to an example of the present invention.

Referring to FIG. 5, the game money loan apparatus first displays a security setting screen on the user terminal (S341). The mortgage setting screen is a screen for allowing the user to select an item or experience value held by the user as collateral. In operation S342, a security setting signal for setting one of items or experience points possessed by the user as collateral is received from the user terminal. When receiving the security setting signal, the game money loan apparatus determines whether the set security is an item (S343). If the item is set as collateral, the game money loan device performs a value evaluation on the item (S344). However, if the item is not set as collateral, the experience value is set as collateral according to the above assumption, and thus the valuation of the experience set as collateral is performed (S345).

When the valuation of the collateral is performed, the game money loan device displays the evaluated collateral amount on the user terminal (S346). At this time, the value of collateral value may be lower than the value that can be purchased with game money in an actual online game. This is the result of considering the value liquidity and interest of the item as in the case of offline financial transactions.

When the security evaluation amount is displayed on the user terminal, it is determined whether a security confirmation signal is received from the user terminal (S347). When the collateral confirmation signal is received, the set collateral is determined as collateral, and when the collateral confirmation signal is not received, the collateral setting screen is displayed again on the user terminal (S348).

6 illustrates a flow of evaluating a user's credit according to an example of the present invention.

The game money loan apparatus calculates a user's credit rating based on the analyzed user information (S361). When the credit rating is calculated, a loan ratio according to the calculated credit rating of the user is obtained (S362). Loan costs by credit rating may be preset. The loan ratio is a ratio multiplied by the estimated collateral and is used to calculate the maximum amount loanable to the user. After that, the game money loan device acquires an interest rate according to the credit rating (S363). The interest rate can also be preset according to the credit rating. As a result, the interest rates may be different if the credit ratings are different among users who borrow the same game money.

7 shows a flow of setting a loan amount according to an embodiment of the present invention.

Looking at the flow of calculating the loan amount with reference to Figure 7, the game money loan device first displays the loanable amount and the interest rate on the user terminal (S371). The loanable amount is calculated by multiplying the value of the collateral evaluated as described above by the loan ratio according to the credit rating, and the interest rate is determined according to the credit rating.

When the loanable amount and the interest rate are displayed on the user terminal, the user inputs an amount to be loaned, and the game money loan apparatus determines whether a loan request amount is received from the user terminal (S372). When the loan request amount is received, the game money loan device determines whether the loan request amount exceeds the loanable amount (S373). If the loan request amount exceeds the loanable amount, the game money loan device displays to the user terminal that the loan request amount exceeds the loanable amount (S374). However, if the loan request amount is within the loanable amount, the loan request amount requested by the user is displayed on the user terminal (S375). The user checks whether the loan amount requested by the user is correct and transmits a loan amount confirmation signal using the user terminal. Then, the game money loan apparatus determines whether a loan amount confirmation signal is received (S376). If the loan amount confirmation signal is received, the game money loan apparatus determines the loan amount (S373). However, if the loan amount confirmation signal is not received, it is determined that the user incorrectly inputs the loan request amount, and again displays the loanable amount and the interest rate on the user terminal (S371).

8 illustrates a flow of setting a loan amount repayment method according to an embodiment of the present invention.

Loans must be accompanied by repayment. 8, the redemption criterion is first displayed on the user terminal (S381). The repayment criteria may be preset in plural and stored in the game money loan apparatus. The user selects one redemption criterion suitable for him from among the plurality of redemption criteria displayed on the user terminal, and the user terminal transmits a redemption selection signal to the game money loan apparatus. The game money loan apparatus determines whether a redemption selection signal is received (S382), and when a redemption selection signal is received, sets a loan period and a redemption period according to the selected redemption criterion (S383). Here, the loan period means a period of loaning game money to the user, and the repayment cycle refers to a cycle of periodically repaying the divided loan amount when the loan is divided and repaid, rather than being repaid at once.

When the loan period and the repayment cycle are set, the user calculates the total interest to be repaid and the interest to be repaid by the repayment cycle according to the preset interest rate and the set loan period and the repayment cycle (S384). In addition, the amount of money to be paid by the user for each repayment cycle is displayed on the user terminal from the calculated interest and the divided loan amount (S385). That is, the amount of money to be repaid by the user for each repayment cycle is displayed.

9 is a flow of lending game money to a user according to an embodiment of the present invention.

9, the flow of lending the game money to the user determines whether a loan confirmation signal is received from the user terminal (S391). If the loan confirmation signal is not received, it is again determined whether the game money loan request signal is received from the user terminal (S200). However, when the loan confirmation signal is received, the transaction cannot be set for the collateral (S392). That is, by preventing the user from buying or selling the items or experience set as collateral, the user must hold the collateral while the loan amount is not repaid. In some cases, the game money loan device may indicate that the item or experience value set as collateral is set as collateral on the online game, thereby warning other users not to purchase the item or experience set as collateral.

If the security is not set for the security, the game money loan device provides the user with the game money requested by the user to perform a loan (S393). The game money loan apparatus performs a loan and counts a set repayment cycle at step S394. That is, calculate the next repayment cycle.

10 shows a flow of playing a game according to an embodiment of the present invention.

If the user is loaned the game money, the game is performed (S410). At this time, the game money loan apparatus determines that the user ends the game and reconnects to play the game again. The game money loan apparatus monitors the progress of the game game, and determines whether the user who performs the game is a loan user who borrows the game money (S420). If the user is a loan user, the game money loan apparatus displays a loan mission suitable for the user on the user terminal (S430). The game money loan apparatus may display an appropriate loan mission to the user based on the analyzed user information, and in some cases, may display a loan mission differentiated according to the loan amount.

Thereafter, the game money loan apparatus determines whether a mission approval signal is received from the user terminal (S440). If the mission approval signal is received, the game money loan apparatus provides the user a mission (S450). The loan mission is not an essential mission that the loan user must perform, and the user can repay the loan amount by performing the game even without performing the loan mission. However, as the user provides an additional mission due to the loan, the interest of the game of the loan user may be enhanced. Accordingly, the game money loan apparatus may selectively provide a loan mission by determining whether a mission approval signal is received from the user terminal. In addition, it is possible to subtract a portion of the loan amount depending on whether the loan mission is completed, so that the user can repay the loan amount more quickly, and also reduce the burden on the loan.

When the mission is provided, the game money loan apparatus determines whether the user succeeds in the loan mission (S460). If the user succeeds in the loan mission, the game money loan device deducts from the loan amount by the amount of the mission set in the loan mission (S470). However, if it is determined that the user did not succeed in the loan mission, the user does not deduct the loan amount.

11 illustrates a flow of redeeming game money according to an embodiment of the present invention.

The game money loan apparatus counts the redemption date to determine whether the redemption date has arrived (S510). If the repayment date has arrived, the game money loan apparatus receives the repayment setting game money set at the time of loan provision (S540). However, if it is determined that the repayment date has not arrived, it is determined whether a repayment request signal is received from the user terminal (S520). When the repayment request signal is received from the user terminal, the game money loan device receives the game money designated by the user (S530). When the game money is repaid from the user, the remaining loan balance is displayed on the user terminal. In this case, the game money loan device may display the next redemption date and the redemption target amount together.

12 is a flowchart for redeeming a redemption setting game money according to an embodiment of the present invention.

First, when the repayment date has arrived, the game money loan apparatus displays on the user terminal that the repayment date has arrived and simultaneously displays the set repayment amount on the user terminal (S541). In operation S542, it is determined whether a redemption confirmation signal is received from the user terminal. When the redemption confirmation signal is received, the game money loan apparatus determines whether the game money currently held by the user exceeds the set redemption amount (S543). If the game money held by the user exceeds the set repayment amount, the set game money is subtracted from the game money held by the user to repay the set game money (S544).

However, if the redemption confirmation signal is not received at the user terminal, it is determined whether a redemption extension request signal is received from the user terminal (S545). When the redemption extension request signal is received, the game money loan apparatus determines whether the user's loan period exceeds the redemption extension limit (S546). The game money loan apparatus determines whether the user's loan period exceeds the redemption extension limit in the same manner when the game money held by the user does not exceed the set repayment amount (S546). If it is determined that the repayment extension limit has not been exceeded, the game money loan apparatus extends the user's loan amount repayment period (S547). At this time, the game money loan apparatus may reset the interest rate and display it on the user terminal. If the game money loan apparatus does not receive a repayment extension request signal from the user terminal or if the loan period of the user is determined to exceed the repayment extension limit, the game money loan apparatus gives a penalty according to the unpaid loan amount (S548). Here, the game money loan apparatus is a penalty granted to the user and may replace an item set as collateral with another item having a lower value, or lower the user's experience value. And if it is determined that the loan amount is not repaid amount or the old bad loan user, access to the game may be restricted. That is, the user information may be provided to the game server so that the loan user is registered in the bad user list.

Figure 13 is a block diagram of a game money loan apparatus for an online game according to an embodiment of the present invention.

As shown in Figure 13, the game money loan system of the online game according to an embodiment of the present invention is a plurality of user terminals (101 ~ 10n), the Internet 200, the game server 300 and the game money loan apparatus 400 ). Each of the plurality of user terminals 101 to 10n is connected to the game server 300 via the Internet 200 and a game client for performing a game is installed.

The game server 300 first provides a web page for the user to access, and provides various services such as chatting, clubs, shopping malls, etc. to various user terminals 101 to 10n to be connected. In FIG. 13, a plurality of users access the game server 300 through the computers 101 to 10n. However, other users who may access the game server 300 through the Internet 200 in addition to the computer may play the game. It may be a terminal. For example, a mobile communication terminal, a television with Internet access, or the like can be used.

The game server 300 may include a web database that stores items for enabling a user to perform various functions on the web or a game, and stores item information owned by the users. The game server 300 sells various items to the users by referring to the web database, and stores the user information in the web database when the user purchases such items.

When the user accesses the game through a web page, the game server 300 drives a game client that is pre-installed in the user terminals 101 to 10n, and the user terminals 101 to 10n are connected to the Internet by the driven game client. The game server 300 is connected through the 200. In this case, the game client is assumed to be pre-installed in the user terminals 101 to 10n. However, in this case, the game server 300 determines this and controls to install the game client for the game when necessary. .

In addition, the game server 300 may include a game database (not shown) that stores game-specific logic for controlling a game. Here, the game logic refers to rules specified for automatically proceeding a game according to a rule set in the game, and indicates a series of processes in the game.

The game money loan apparatus 400 receives and stores user information including an account, a character, and item information held by the user from the game server 300, and analyzes the received user information. Receiving user information from the information analysis unit 410 to evaluate the user's credit, and collateral and credit evaluation unit 420 for evaluating the value of the security set in the user terminal, according to the value of the evaluated collateral and the user's credit rating A loan amount calculation unit 430 for calculating a loanable amount and repaying the loaned game money; a loan mission setting unit 440 for setting a loan mission to be provided to a loan user; Stores the redemption criteria, and the user redeems the game money from the loan offer date when the user selects one redemption period among the plurality of redemption periods. If the repayment period calculation unit 450, and user count for a period that does not repay the loan in the game money, and a penalty area setting unit 460 to set a penalty to the user agent.

The user information analyzer 410 may receive a bad user list together with the user information from the game server 300. The user information analyzer 410 may modify the user information so that loaning is impossible for the user registered in the bad user list. In addition, the user information analysis unit 410 analyzes the user's game subscription period and the number of accesses that are the data of the user's credit rating, and analyzes the information for each account when the user has a plurality of accounts. The user information analyzer 410 additionally analyzes the user's previous loan history and analyzes the history of the user purchasing the item on the online game. All of this user information is analyzed to determine if it meets credit rating and loan criteria.

The security and credit evaluation unit 420 displays the security setting screen on the user terminal, receives the security setting signal from the user terminal, and sets the security. And it conducts a valuation on the established collateral. In addition, after receiving the user information from the user government analysis unit 410 performs a user's credit rating and sets the user's credit rating. The credit rating of the user may be set to one of a plurality of preset grades, and the loan ratio and the interest rate may be set differently for each of the plurality of grades.

The loan amount calculation unit 430 receives the collateral value and the loan ratio evaluated from the collateral and credit evaluation unit 420 to calculate the loanable amount, and calculates the total repayment amount by applying the interest rate for the loanable amount. After receiving the repayment period set by the repayment period calculation unit 450, the user calculates the amount to be repaid for each repayment period, and calculates the loan balance when the user repays the loan amount.

The repayment period calculation unit 450 sets a repayment period according to the repayment criteria, counts the set repayment period, and displays that the repayment period has arrived to the user terminal. In addition, when the repayment period extension request is received from the user terminal, the repayment period calculation unit 450 may extend the repayment period of the loan amount by determining whether the repayment period extension limit is exceeded.

The penalty setting unit 450 may replace an item set as collateral as a penalty to another item having a lower value or lower the user's experience value to the user who has not repaid the loan amount due to the repayment period exceeding the repayment period. In some cases, if it is determined that the user is a bad loan, the user may be registered in the bad user list of the user information analyzer 410.

The game money loan apparatus 400 is illustrated as a separate apparatus in FIG. 13, but may be included in the game server 300 and may be implemented as a database in some cases.

The game money loan method and apparatus for an online game according to the embodiment of the present invention described above are provided in an application (which may include a program included in a platform or an operating system basically installed in the terminal). It may be executed by the user, or may be executed by an application (ie, a program) directly installed on the terminal by an application providing server such as an application store server, an application, or a web server associated with the corresponding service. In this sense, the game money loan method of the online game according to the embodiment of the present invention described above is implemented as an application (ie, a program) which is basically installed in a terminal or directly installed by a user, and can be read by a computer such as a terminal. Can be recorded on the medium.

Such a program may be recorded on a recording medium that can be read by a computer and executed by a computer so that the above-described functions can be executed.

As described above, in order to execute the game money loan method of the online game according to each embodiment of the present invention, the above-described program is coded in a computer language such as C, C ++, JAVA, machine language, etc., which can be read by a computer processor (CPU). Code may be included.

The code may include a function code related to a function or the like that defines the functions described above and may include an execution procedure related control code necessary for the processor of the computer to execute the functions described above according to a predetermined procedure.

In addition, such code may further include memory reference related code as to what additional information or media needed to cause the processor of the computer to execute the aforementioned functions should be referenced at any location (address) of the internal or external memory of the computer .

In addition, when a processor of a computer needs to communicate with any other computer or server, etc., to perform the above-described functions, the code may be stored in a computer's communication module (e.g., a wired and / ) May be used to further include communication related codes such as how to communicate with any other computer or server in the remote, and what information or media should be transmitted or received during communication.

The functional program for implementing the present invention and the related code and code segment may be implemented by programmers in the technical field of the present invention in consideration of the device environment of the computer that reads the recording medium and executes the program, Or may be easily modified or modified by the user.

Examples of the computer-readable recording medium on which the above-described program is recorded include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical media storage, and the like.

The computer-readable recording medium on which the above-described program is recorded may be distributed to a computer apparatus connected via a network so that computer-readable codes can be stored and executed in a distributed manner. In this case, one or more of the plurality of distributed computers may execute some of the functions presented above and send the results of the execution to one or more of the other distributed computers, The computer may also perform some of the functions described above and provide the results to other distributed computers as well.

In particular, a computer-readable recording medium recording an application, which is a program for executing a game money loaning method of an online game, according to an embodiment of the present invention, may be associated with an application store server, an application, or a corresponding service. It may be a storage medium (eg, a hard disk, etc.) included in an application provider server such as a web server or the application providing server itself.

The computer which can read the recording medium which recorded the application which is a program for executing the game money loan method of the online game which concerns on each embodiment of this invention is not only general PCs, such as a desktop or a notebook, but also a smart phone and a tablet PC. It may include mobile terminals such as PDAs (Personal Digital Assistants) and mobile communication terminals, as well as to be interpreted as all computing devices.

In addition, a computer capable of reading a recording medium recording an application which is a program for executing a game money loan method for an online game according to an embodiment of the present invention may be a smart phone, a tablet PC, a personal digital assistant (PDA), a mobile communication terminal, or the like. In the case of a mobile terminal, the application may be downloaded from the application providing server to a general PC and installed on the mobile terminal through a synchronization program.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. In other words, within the scope of the present invention, all of the components may be selectively operated in combination with one or more. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program may be stored in a computer readable storage medium and read and executed by a computer, thereby implementing embodiments of the present invention. As a storage medium of the computer program, a magnetic recording medium, an optical recording medium, or the like can be included.

It is also to be understood that the terms such as " comprises, "" comprising," or "having ", as used herein, mean that a component can be implanted unless specifically stated to the contrary. But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

Claims (24)

Game money loan device of online game,
Setting up a loan method for lending game money to at least one user;
When the game money loan request signal is received from a user terminal, determining whether the user meets the loan criteria;
Evaluating the value of the collateral received from the user terminal when the user determines that the user meets the loan criteria;
Calculating a loan rate and an interest rate by evaluating the credit of the user from the user information of the user;
Loaning game money to the user by calculating a game money loanable amount based on the value of the evaluated collateral and the evaluated user's credit;
After loaning the game money to the user, the set game money loan amount repayment period is counted, and when the repayment period arrives, the game money loan amount is deducted from the game money held by the user by subtracting the set repayment amount according to a preset repayment standard. Redeeming; And
Granting a predetermined penalty to the user when the game money held by the user is less than the repayment amount when the redemption period arrives; Game money loan method of the online game comprising a. The method according to claim 1,
Setting the loan method,
Collecting a rogue user list from the game server;
Setting the loan criteria for determining whether the user is to be provided with the game money loan;
Setting an evaluation criterion for at least one of an item settable as the collateral and an experience value of the user;
Setting credit rating criteria for setting at least one credit rating of one of a plurality of credit ratings preset for each of the at least one user;
Setting interest criteria for applying different interest rates to the credit ratings;
Setting a loan amount repayment criterion including a loan period and a repayment extendable period for the loan amount; And
Setting the penalty to be granted to the user when the user does not repay the game money loan amount; Game money loan method of the online game comprising a. The method of claim 2,
Determining whether the user meets the loan criteria,
Displaying a security setting screen on which the user can select a security;
Determining whether the user corresponds to the preset loan criteria when the user is not a registered user in the bad user list;
If the user corresponds to the loan criterion, setting the loanable user; And
If the user is a user registered in the bad user list or a user who does not correspond to the predetermined loan criterion, displaying the loan criterion on the user terminal and stopping the loan; Game money loan method of the online game comprising a. The method of claim 3,
The bad user list is,
And a list of users corresponding to at least one of a user who attempted a hack, an unpaid user for a loaned game money, and a user who applied for a loan using multiple accounts. The method of claim 3,
The loan criteria is
And a predetermined criterion for at least one of the period of joining the online game, the number of times the online game is accessed, and the previous game money loan history of the user. The method of claim 2,
Evaluating the value of the collateral,
Displaying a character information window including character information and a character change button to be operated by the user in a game;
Receiving a security setting signal for setting one of the item possessed by the user or the user's experience value as a security from the user terminal;
Performing a value evaluation according to the evaluation criteria to calculate the value for the collateral set by the user terminal as the game money;
Displaying the game money corresponding to the value of the collateral calculated according to the value evaluation as the evaluation amount on the user terminal; And
When the security confirmation signal is received from the user terminal, determining the security; Game money loan method of the online game comprising a. The method of claim 6,
Performing the valuation,
Determining whether the set collateral is the item or the user's experience value;
If the set collateral is the item, evaluating the collateral according to an item evaluation criterion among the evaluation criteria; And
If the set collateral is the user's experience point, evaluating the collateral according to the experience point evaluation criterion among the evaluation criteria; Game money loan method of the online game comprising a. The method of claim 6,
Computing the loan rate and interest rate,
Setting a credit rating of the user to one credit rating of the plurality of credit ratings by evaluating the credit of the user;
Retrieving the loan ratio preset for the credit rating of the user; And
Retrieving the interest rate preset for the credit rating of the user; Game money loan method of the online game comprising a. The method of claim 8,
Loaning the game money,
Calculating the loanable amount using the evaluation amount and the loan rate, and receiving a loan request amount indicating a value of a game money for which the user requests a loan from a user terminal to set the game money loan amount;
Receiving a redemption selection signal from the user terminal, selecting one redemption criterion among at least one preset redemption criterion, and setting a redemption method for the game money loan amount according to the selected redemption criterion; And
Providing the game money corresponding to the set game money loan amount to the user to perform the game money loan; Game money loan method of the online game comprising a. 10. The method of claim 9,
The setting of the game money loan amount,
Calculating the loanable amount by multiplying the valuation amount by the loan ratio;
Displaying the loanable amount and the interest rate on the user terminal;
When the loan request amount is received from the user terminal, determining whether the loan request amount exceeds the loanable amount;
Displaying the loan request amount on a user terminal when the loan request amount is less than the loanable amount; And
When the loan amount confirmation signal is received from the user terminal, determining the loan request amount as the game money loan amount; Game money loan method of the online game comprising a. 10. The method of claim 9,
Setting the repayment method,
Displaying the preset plurality of redemption criteria on the user terminal;
Receiving a redemption selection signal from the user terminal and selecting one redemption criterion among the plurality of redemption criteria;
Setting a loan period and a repayment cycle according to the selected repayment criteria; And
Calculating a game money amount to be repaid for each repayment cycle according to the loan period, the repayment cycle, and the interest rate, and displaying the calculated money on the user terminal; Game money loan method of the online game comprising a. 12. The method of claim 11,
The step of performing the game money loan,
When the loan confirmation signal is received from the user terminal, setting a non-tradable transaction so that the collateral is not sold;
Providing the user with game money corresponding to the game money loan amount; And
Counting the redemption period to determine that the redemption period has arrived; Room providing method of an online game comprising a. The method of claim 12,
Repaying the game money loan amount,
Determining whether the redemption date has arrived;
When the redemption date arrives, redeeming the redemption setting game money by subtracting a redemption setting game money set to be redeemed on the redemption date by the redemption method among the game money held by the user;
Determining whether a redemption request signal is received from the user terminal when the redemption date is not reached;
Receiving a user-specified game money amount from the user terminal when a regular redemption request signal is received; And
Redeeming the custom game money by subtracting the custom game money amount from the game money held by the user; Room providing method of an online game comprising a. The method of claim 13,
Repaying the redemption setting game money,
Indicating to the user terminal that the redemption date has arrived;
Determining whether a game money held by the user exceeds the redemption setting game money when receiving a redemption confirmation signal from the user terminal;
Subtracting the redemption setting game money from the game money held by the user when the game money held by the user exceeds the redemption setting game money;
Determining whether a redemption extension request signal is received from the user terminal when the redemption confirmation signal is not received;
Determining whether the user's redemption period has exceeded the redemption extension limit set in the redemption criterion when the redemption extension signal is received or when the game money held by the user is less than the redemption set game money;
Extending the repayment period of the user when the repayment period of the user exceeds the repayment extension limit; And
Providing the penalty to a user when the repayment extension request signal is not received or when the user's repayment period exceeds the repayment extension limit; Game money loan method of the online game comprising a. 15. The method of claim 14,
Providing the penalty,
If the collateral is the item, replacing the item with a value lower than the value of the item set as the collateral; And
Lowering the experience value if the collateral is the user experience value; Game money loan method of the online game comprising a. The method according to claim 1,
Game money loan method of the online game,
Providing a loan mission for repaying a predetermined amount of the game money loan amount to the user when the user progresses a game; Game money loan method of the online game, characterized in that it further comprises. 17. The method of claim 16,
Providing the loan mission,
Determining whether the user is a loan user who received the game money loan;
If the user is the loan user, displaying the loan mission on the user terminal of the user;
Providing the loan mission to the user upon receiving the mission approval signal from the user terminal; And
Subtracting, by the user, the game money preset for the loan mission from the game money loan amount when the loan mission is completed; Game money loan method of the online game comprising a. A user information analyzer for receiving and storing user information from a game server and analyzing the received user information;
A collateral and credit evaluator which receives the user information from the user information analyzer to evaluate the credit of the user and evaluates the value of the collateral set in the user terminal;
A loan amount for calculating a loan amount according to the value of the evaluated collateral and the user's credit rating, providing the game money loan amount to the user, and calculating the loan balance when the user repays the loaned game money. A calculator;
Calculating a redemption period for storing a plurality of redemption criteria and counting a redemption time at which the user will repay the game money from the loan offer date when the user selects one redemption criterion among the plurality of redemption criteria. part; And
A penalty setting unit for setting a penalty for formulating the user when the game money loaned by the user is not repaid; Game money loan apparatus of the online game comprising a. 19. The method of claim 18,
The game money loan device of the online game,
A loan mission setting unit provided to a loan user who loans the game money, and setting a loan mission that may subtract a predetermined amount of the game money loan amount upon completion; Game money loan apparatus of the online game, characterized in that it further comprises. 19. The method of claim 18,
The user information analysis unit,
And the account, character, item information, game subscription period and number of times of access, and the previous game money loan history of the user from the user information. 19. The method of claim 18,
The mortgage and credit rating unit,
Displaying a security setting screen on the user terminal, receiving a security setting signal from the user terminal, setting the security, performing a value evaluation on the set security, and receiving the user information from the user information analyzer And after the user's credit evaluation is performed, the credit rating of the user is set to one of a plurality of preset credit ratings. 22. The method of claim 21,
The loan amount calculation unit,
The loan amount determined according to the game money and the user's credit rating corresponding to the value of the collateral evaluated by the collateral and credit evaluation unit is calculated to calculate the loanable amount, and the loanable amount of the user The total repayment amount is calculated by applying an interest rate determined according to the credit rating, the repayment period is received from the repayment period calculation unit, the amount that the user must repay for each repayment period is calculated, and the user plays the game. When repaying the money loan amount, the game money loan apparatus of the online game, characterized in that for calculating the balance of the loan. 19. The method of claim 18,
The repayment period calculation unit,
Setting the repayment timing according to the repayment criteria, counting the repayment timing to indicate that the repayment timing has arrived to the user terminal, and when a request for extending the repayment time is received from the user terminal, the repayment period of the user A game money loan apparatus for an online game, characterized by extending the repayment period of the loan amount by determining whether the repayment period extension limit has been exceeded. Game money loan device of online game,
Setting up a loan method for lending game money to at least one user;
When the game money loan request signal is received from a user terminal, determining whether the user meets the loan criteria;
Evaluating the value of the collateral received from the user terminal when the user determines that the user meets the loan criteria;
Calculating a loan rate and an interest rate by evaluating the credit of the user from the user information of the user;
Loaning game money to the user by calculating a game money loanable amount based on the value of the evaluated collateral and the evaluated user's credit;
After loaning the game money to the user, the set game money loan amount repayment period is counted, and when the repayment period arrives, the game money loan amount is deducted from the game money held by the user by subtracting the set repayment amount according to a preset repayment standard. Redeeming; And
Granting a predetermined penalty to the user when the game money held by the user is less than the repayment amount when the redemption period arrives; A computer-readable recording medium having recorded thereon a program for implementing a game money loaning method of an online game comprising a.

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