WO2002077889A1 - Cyber money management system - Google Patents

Cyber money management system Download PDF

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Publication number
WO2002077889A1
WO2002077889A1 PCT/KR2001/000470 KR0100470W WO02077889A1 WO 2002077889 A1 WO2002077889 A1 WO 2002077889A1 KR 0100470 W KR0100470 W KR 0100470W WO 02077889 A1 WO02077889 A1 WO 02077889A1
Authority
WO
WIPO (PCT)
Prior art keywords
cash
cyber money
module
money management
point
Prior art date
Application number
PCT/KR2001/000470
Other languages
French (fr)
Inventor
Do-Won Cho
Original Assignee
Do-Won Cho
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Do-Won Cho filed Critical Do-Won Cho
Priority to PCT/KR2001/000470 priority Critical patent/WO2002077889A1/en
Publication of WO2002077889A1 publication Critical patent/WO2002077889A1/en

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates in general to cyber money management systems, and more particularly to a cyber money management system for storing cyber money of cash or points, paying the stored cyber money at once when an electronic business transaction is conducted via a computer and Internet network, acquiring and utilizing cyber money of cash or points using a cyber money management program installed in a user's computer when the computer is connected to an Internet network offline as well as online, temporarily preserving cash deposited in a bank and cash or points acquired on the Internet and transferring the preserved cash directly to a bank account or at once paying it to other users as needed.
  • the present invention has been made in view of the above problems, and it is an object of the present invention to provide a cyber money management system which is capable of changing service provider-oriented environments of electronic business transactions based on computers and Internet networks to customer-oriented environments using a cyber money management program installed in each user's computer, thereby providing both a service provider and user with a convenience of use. It is another object of the present invention to provide a cyber money management system which is capable of temporarily preserving cash deposited in a bank and cash or points acquired on the Internet and transferring the preserved cash directly to a bank account or at once paying the preserved cash or points to other users as needed.
  • a cyber money management system comprising a cyber money management server for managing and approving the transfer of cyber money; a member information database connected to the cyber money management server for storing information of users registered as members; a cash/point management server connected to the cyber money management server and member information database for managing an accumulated amount of cash and an accumulated amount of points of each of the members registered in the member information database; an accumulated cash/point database connected to the cash/point management server for storing information about the accumulated amount of cash and the accumulated amount of points of each of the registered members; at least one financial institution connected to the cyber money management server via an Internet network, the financial institution having an account opened by at least one user; and at least one user computer connected online to the cyber money management server via the Internet network, the user computer having a cyber money management program installed therein.
  • the cyber money management program may include a security module for encoding all data associated with the cyber money management system to maintain the security thereof; an advertisement management module for managing all advertisements to be displayed on the user computer and in turn cash and points generated from the advertisements in the form of cyber money; a point management module for managing the acquisition or use of points when the user computer is operated either online or offline and storing the resulting points in a point account module; a cash management module for managing the acquisition or payment of cash when the user computer is operated either online or offline and storing the resulting cash in a cash account module; an electronic mail management module for creating an electronic mail, forwarding the created electronic mail to another user via the security module and a transmission/reception module over the Internet network and receiving an electronic mail from another user via the security module and transmission/reception module over the Internet network; an information storage module for storing user information containing a user's member identification and password and keys selected by the user, and advertisement information; a display module for displaying the points stored in the point account module and the cash stored in the cash account module on
  • Fig. 1 is a block diagram schematically showing the construction of a cyber money management system in accordance with the present invention
  • Fig. 2 is a block diagram showing in detail the configuration of a cyber money management program in accordance with the present invention.
  • Fig. 3 is a schematic view of cash and point accounts in accordance with the present invention.
  • the cyber money management system which is operated by a cyber money service provider, comprises a cyber money management server 10 for managing and approving the transfer of cyber money, a member information database 11 connected to the cyber money management server 10 for storing information of users registered as members, a cash/point management server 12 connected to the server 10 and member information database 11 for managing an accumulated amount of cash and an accumulated amount of points of each of the members registered in the database 1 1 , and an accumulated cash/point database 13 connected to the cash/point management server 12 for storing information about the accumulated amount of cash and the accumulated amount of points of each of the registered members.
  • a plurality of user computers for example, first and second user computers 30 and 32 are connected to the cyber money management server 10 via an Internet network 20.
  • a cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32.
  • Financial institutions 40 which have accounts 41 opened by the users, are also connected to the cyber money management server 10 via the Internet network 20.
  • Fig. 2 is a block diagram showing in detail the configuration of the cyber money management program 31 or 33 in accordance with the present invention.
  • the cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32 connected online to the cyber money management server 10 via the Internet network 20.
  • the cyber money management program 31 or 33 includes a security module 50 for encoding all data associated with the cyber money management system to maintain the security thereof, an advertisement management module 51 for managing all advertisements to be displayed on the user computer 30 or 32 and in turn cash and points generated from the advertisements in the form of cyber money, a point management module 52 for managing the acquisition or use of points when the user computer 30 or 32 is operated either online or offline and storing the resulting points in a point account module 52a, a cash management module 53 for managing the acquisition or payment of cash when the user computer 30 or 32 is operated either online or offline and storing the resulting cash in a cash account module 53 a, an electronic mail management module 54 for creating an electronic mail, forwarding the created electronic mail to another user via the security module 50 and a transmission/reception module 57 over the Internet network 20 and receiving an electronic mail from another user via the security module 50 and transmission/reception module 57 over the Internet network 20, an information storage module 55 for storing user information containing a user's member identification (ID) and password and
  • ID user's
  • the transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to store the currently acquired cash and points in the accumulated cash/point database 13 through the cash/point management server 12 or receive the information about the accumulated amount of cash and the accumulated amount of points from the accumulated cash/point database 13 and store the received information respectively in the cash account module 53a and point account module 52a through the cash management module 53 and point management module 52.
  • the cyber money management program 31 or 33 further includes an electronic business transaction module 59 for gaining access to the cyber money management server 10 over the Internet network 20 to purchase commodities exhibited for sale by the server 10, and a financial institution connection module 58 connected to the financial institutions 40 through the Internet network 20 for remitting or transferring the cash stored in the accumulated cash/point database 13 to an associated one of the user accounts 41 opened in the financial institutions 40.
  • Fig. 3 is a schematic view of cash and point accounts in accordance with the present invention.
  • the display module 56 displays the currently acquired or accumulated points stored in the point account module 52a and the currently acquired or accumulated cash stored in the cash account module 53a on the screen.
  • the display module 56 displays the currently acquired or accumulated cash stored in the cash account module 53a on a cash display window 60, expressed by "ID CASH ACCOUNT".
  • the display module 56 also displays the currently acquired or accumulated points stored in the point account module 52a on a point display window 70, expressed by "ID POINT ACCOUNT”.
  • the display module 56 divides the cash on the cash display window 60 under the control of the cash management module 53 and then displays the divided cash on a sub cash display window 62.
  • the display module 56 divides the points on the point display window 70 under the control of the point management module 52 and then displays the divided points on a sub point display window 72.
  • the display module 56 may display the divided cash and points on sub cash and point display windows 62 and 72 of the numbers desired by the user.
  • the user may divide the cash display window 60 and point display window 70 respectively into a plurality of sub cash and point display windows 62 and 72 appropriately upon purchasing commodities on the Internet or according to other necessary cases.
  • a user can manage the acquisition or payment of cash and points using the cyber money management program installed in his or her computer 30 or 32 under the condition that he or she connects the computer 30 or 32 to the Internet network 20 offline as well as online.
  • the cyber money management system can temporarily preserve cash deposited in the user's account 41 of the associated financial institution 40, such as a bank, and cash and points acquired on the Internet. As needed, the system can transfer or remit the preserved cash directly to the account 41 of the financial institution 40 or at once pay the preserved cash or points to other users.
  • the cyber money management server 10 is adapted to manage and approve the transfer of cyber money.
  • the member information database 11 is connected to the cyber money management server 10 to store information of users registered as members, and the cash/point management server 12 is connected to the server 10 and member information database 11 to manage an accumulated amount of cash and an accumulated amount of points of each of the members registered in the database 1 1.
  • the accumulated cash/point database 13 is connected to the cash/point management server 12 to store information about the accumulated amount of cash and the accumulated amount of points of each of the registered members.
  • a plurality of user computers, for example, the first and second user computers 30 and 32 are connected to the cyber money management server 10 via the Internet network 20.
  • the cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32.
  • the financial institutions 40 with the users' accounts 41 are also connected to the cyber money management server 10 via the Internet network 20.
  • the server 10 authenticates the user as a member.
  • the cyber money management server 10 checks and approves the acquisition or payment of points and cash by the user and then stores the resulting points and cash in the accumulated cash/point database 13 via the cash/point management server 12. If the user requests the transmission of information stored in the accumulated cash/point database 13 over the Internet network 20, the cyber money management server 10 authenticates the user as a member and then transmits information about the user's accumulated cash and points stored in the database 13 to the cyber money management program installed in the user computer 30 or 32. As a result, the user can always check his or her accumulated cash and points.
  • the first and second user computers 30 and 32 are connected to the cyber money management server 10 via the Internet network 20, and the cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32.
  • the security module 50 is adapted to encode all data associated with the cyber money management system to maintain the security thereof.
  • the advertisement management module 51 is adapted to manage all advertisements to be displayed on the user computer 30 or 32. If the user selects specific advertisements, the advertisement management module 51 stores points and cash acquired as a result of the advertisement selection respectively in the point account module 52a and cash account module 53a under the control of the point management module 52 and cash management module 53.
  • the point management module 52 manages the acquisition of points in compensation for advertisement selection or service provision, or the use of points for commodity purchase when the user computer 30 or 32 is operated either online or offline, and then stores the resulting points in the point account module 52a.
  • the cash management module 53 manages the acquisition of cash in compensation for advertisement selection or service or commodity provision, or the payment of cash for commodity purchase or service use when the user computer 30 or 32 is operated either online or offline, and then stores the resulting cash in the cash account module 53 a.
  • the electronic mail management module 54 is adapted to create an electronic mail and forward the created electronic mail to another user via the security module 50 and transmission/reception module 57 over the Internet network 20. Also, the electronic mail management module 54 receives an electronic mail from another user via the security module 50 and transmission/reception module 57 over the Internet network 20. At this time, cyber money may be attached to the electronic mail being transmitted or received.
  • the information storage module 55 stores user information containing a user's member ID and password and keys selected by the user, and advertisement information containing details of advertisements to be displayed on the user computer 30 or 32. Under the control of the user, the display module 56 displays the points stored in the point account module 52a and the cash stored in the cash account module 53a on the screen of the user computer 30 or 32 whose size is adjusted by the user.
  • the transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to store the currently acquired cash and points in the accumulated cash/point database 13 through the cash/point management server 12. At this time, if given conditions are satisfied, the currently acquired cash and points are automatically stored in the accumulated cash/point database 13. Alternatively, the user may access the cyber money management server 10 to check the currently acquired cash and points before being stored in the accumulated cash/point database 13.
  • the transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to receive the information about the accumulated amount of cash and the accumulated amount of points from the accumulated cash/point database 13 and store the received information in the cash account module 53a and point account module 52a through the cash management module 53 and point management module 52.
  • the security module 50 requires the user to enter a certain character or symbol key separately from the user's ID and password. This key may preferably be used to designate coordinates of a display point of each advertisement on the screen under the control of the advertisement management module 51.
  • the electronic business transaction module 59 is connected to the cyber money management server 10 via the transmission/reception module 57 to purchase commodities exhibited for sale by the server 10 over the Internet network 20.
  • the financial institution connection module 58 is connected to the financial institutions 40 through the Internet network 20 to remit or transfer the cash stored in the accumulated cash/point database 13 to an associated one of the user accounts 41 opened in the financial institutions 40.
  • the display module 56 displays the currently acquired or accumulated cash stored in the cash account module 53a on the cash display window 60, expressed by "ID CASH ACCOUNT", and the currently acquired or accumulated points stored in the point account module 52a on the point display window 70, expressed by "ID POINT ACCOUNT", respectively. Therefore, the user can always check his or her accumulated cash and points. If the user pushes the down button 61, the display module 56 divides the cash on the cash display window 60 under the control of the cash management module 53 and then displays the divided cash on the sub cash display window 62. Similarly, if the user pushes the down button 71, the display module 56 divides the points on the point display window 70 under the control of the point management module 52 and then displays the divided points on the sub point display window 72. Therefore, the user may divide the cash display window 60 and point display window 70 respectively into a plurality of sub cash and point display windows 62 and 72 appropriately upon purchasing commodities on the Internet or according to other necessary cases.
  • users can conveniently use cyber money of cash and points being frequently received and paid, in association with accounts opened in financial institutions.
  • the present invention provides a cyber money management system which is capable of managing cyber money for all economic activities of users through the Internet and user computers using a cyber money management program installed in each of the user computers.
  • the cyber money is freely applicable even to computer advertisements and electronic mails.
  • each user can check the amount of cyber money stored in his or her computer, resulting in a greater convenience of use.

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
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  • General Business, Economics & Management (AREA)
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  • Computer Security & Cryptography (AREA)
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Abstract

A cyber money management system for storing cyber money of cash or points and at once paying the stored cyber money when an electronic business transaction is conducted via a computer and Internet network. A cyber money management program (31 or 33) is installed in a users computer (30 or 32) to acquire and utilize cyber money or cash or points when the computer is connected to an Internet network (20) offline as well as online. The cyber money management system temporarily preserves cash deposited in a bank and cash or points acquired on the Internet. As needed, the system can transfer the stored cash directly to a bank account or at once pay it to other users. Therefore, the cyber money management system provides cyber money capable of being conveniently used in association with accounts opened in financial institutions.

Description

CYBER MONEY MANAGEMENT SYSTEM
Technical Field
The present invention relates in general to cyber money management systems, and more particularly to a cyber money management system for storing cyber money of cash or points, paying the stored cyber money at once when an electronic business transaction is conducted via a computer and Internet network, acquiring and utilizing cyber money of cash or points using a cyber money management program installed in a user's computer when the computer is connected to an Internet network offline as well as online, temporarily preserving cash deposited in a bank and cash or points acquired on the Internet and transferring the preserved cash directly to a bank account or at once paying it to other users as needed.
Background Art
Recently, personal computers have become widespread in companies and homes and the use of the Internet through the personal computers has rapidly increased nationally and internationally, resulting in an explosive increase in the number of Internet users. In this connection, many persons live in a cyber space through the Internet and personal computers for a large amount of time and thus handle a lot of their daily affairs in the cyber space. As a result, a variety of economic activities, including the purchase of commodities, are conducted in the cyber space using the Internet and personal computers.
Payment for a variety of economic activities in the cyber space using the Internet and personal computers has been conducted until now by making remittances through credit cards and financial institutions such as banks. However, this payment method has a disadvantage in that even small amounts of money must be paid through credit cards and banks, resulting in a great inconvenience to users. Further, this payment method may lead to release of credit card information.
Moreover, it is common that users can use cyber money only under the condition that they are connected to a cyber money management server over an
Internet network. Furthermore, the users have many limitations in using the cyber money. For these reasons, the users cannot conveniently and at once use the cyber money.
Disclosure of the Invention
Therefore, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a cyber money management system which is capable of changing service provider-oriented environments of electronic business transactions based on computers and Internet networks to customer-oriented environments using a cyber money management program installed in each user's computer, thereby providing both a service provider and user with a convenience of use. It is another object of the present invention to provide a cyber money management system which is capable of temporarily preserving cash deposited in a bank and cash or points acquired on the Internet and transferring the preserved cash directly to a bank account or at once paying the preserved cash or points to other users as needed. In accordance with the present invention, the above and other objects can be accomplished by the provision of a cyber money management system comprising a cyber money management server for managing and approving the transfer of cyber money; a member information database connected to the cyber money management server for storing information of users registered as members; a cash/point management server connected to the cyber money management server and member information database for managing an accumulated amount of cash and an accumulated amount of points of each of the members registered in the member information database; an accumulated cash/point database connected to the cash/point management server for storing information about the accumulated amount of cash and the accumulated amount of points of each of the registered members; at least one financial institution connected to the cyber money management server via an Internet network, the financial institution having an account opened by at least one user; and at least one user computer connected online to the cyber money management server via the Internet network, the user computer having a cyber money management program installed therein.
Preferably, the cyber money management program may include a security module for encoding all data associated with the cyber money management system to maintain the security thereof; an advertisement management module for managing all advertisements to be displayed on the user computer and in turn cash and points generated from the advertisements in the form of cyber money; a point management module for managing the acquisition or use of points when the user computer is operated either online or offline and storing the resulting points in a point account module; a cash management module for managing the acquisition or payment of cash when the user computer is operated either online or offline and storing the resulting cash in a cash account module; an electronic mail management module for creating an electronic mail, forwarding the created electronic mail to another user via the security module and a transmission/reception module over the Internet network and receiving an electronic mail from another user via the security module and transmission/reception module over the Internet network; an information storage module for storing user information containing a user's member identification and password and keys selected by the user, and advertisement information; a display module for displaying the points stored in the point account module and the cash stored in the cash account module on a screen of the user computer; the transmission/reception module connected to the cyber money management server through the Internet network for storing the currently acquired cash and points in the accumulated cash/point database through the cash/point management server or receiving the information about the accumulated amount of cash and the accumulated amount of points from the accumulated cash/point database and storing the received information respectively in the cash account module and point account module through the cash management module and point management module; an electronic business transaction module for gaining access to the cyber money management server over the Internet network to purchase commodities exhibited for sale by the cyber money management server; and a financial institution connection module connected to the financial institution through the Internet network for remitting or transferring the cash stored in the accumulated cash/point database to the account opened in the financial institution.
Brief Description of the Drawings
The above and other objects, features and other advantages of the present invention will be more clearly understood from the following detailed description taken in conjunction with the accompanying drawings, in which:
Fig. 1 is a block diagram schematically showing the construction of a cyber money management system in accordance with the present invention;
Fig. 2 is a block diagram showing in detail the configuration of a cyber money management program in accordance with the present invention; and
Fig. 3 is a schematic view of cash and point accounts in accordance with the present invention.
Best Mode for Carrying Out the Invention
With reference to Fig. 1, there is schematically shown in block form the construction of a cyber money management system in accordance with the present invention. As shown in this drawing, the cyber money management system, which is operated by a cyber money service provider, comprises a cyber money management server 10 for managing and approving the transfer of cyber money, a member information database 11 connected to the cyber money management server 10 for storing information of users registered as members, a cash/point management server 12 connected to the server 10 and member information database 11 for managing an accumulated amount of cash and an accumulated amount of points of each of the members registered in the database 1 1 , and an accumulated cash/point database 13 connected to the cash/point management server 12 for storing information about the accumulated amount of cash and the accumulated amount of points of each of the registered members. A plurality of user computers, for example, first and second user computers 30 and 32 are connected to the cyber money management server 10 via an Internet network 20. A cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32. Financial institutions 40, which have accounts 41 opened by the users, are also connected to the cyber money management server 10 via the Internet network 20.
Fig. 2 is a block diagram showing in detail the configuration of the cyber money management program 31 or 33 in accordance with the present invention. As stated above, the cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32 connected online to the cyber money management server 10 via the Internet network 20.
As shown in Fig. 2, the cyber money management program 31 or 33 includes a security module 50 for encoding all data associated with the cyber money management system to maintain the security thereof, an advertisement management module 51 for managing all advertisements to be displayed on the user computer 30 or 32 and in turn cash and points generated from the advertisements in the form of cyber money, a point management module 52 for managing the acquisition or use of points when the user computer 30 or 32 is operated either online or offline and storing the resulting points in a point account module 52a, a cash management module 53 for managing the acquisition or payment of cash when the user computer 30 or 32 is operated either online or offline and storing the resulting cash in a cash account module 53 a, an electronic mail management module 54 for creating an electronic mail, forwarding the created electronic mail to another user via the security module 50 and a transmission/reception module 57 over the Internet network 20 and receiving an electronic mail from another user via the security module 50 and transmission/reception module 57 over the Internet network 20, an information storage module 55 for storing user information containing a user's member identification (ID) and password and keys selected by the user, and advertisement information, and a display module 56 for displaying the points stored in the point account module 52a and the cash stored in the cash account module 53a on the screen.
The transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to store the currently acquired cash and points in the accumulated cash/point database 13 through the cash/point management server 12 or receive the information about the accumulated amount of cash and the accumulated amount of points from the accumulated cash/point database 13 and store the received information respectively in the cash account module 53a and point account module 52a through the cash management module 53 and point management module 52.
The cyber money management program 31 or 33 further includes an electronic business transaction module 59 for gaining access to the cyber money management server 10 over the Internet network 20 to purchase commodities exhibited for sale by the server 10, and a financial institution connection module 58 connected to the financial institutions 40 through the Internet network 20 for remitting or transferring the cash stored in the accumulated cash/point database 13 to an associated one of the user accounts 41 opened in the financial institutions 40.
Fig. 3 is a schematic view of cash and point accounts in accordance with the present invention. In the cyber money management program 31 or 33 of the present cyber money management system, the display module 56 displays the currently acquired or accumulated points stored in the point account module 52a and the currently acquired or accumulated cash stored in the cash account module 53a on the screen.
That is, the display module 56 displays the currently acquired or accumulated cash stored in the cash account module 53a on a cash display window 60, expressed by "ID CASH ACCOUNT". The display module 56 also displays the currently acquired or accumulated points stored in the point account module 52a on a point display window 70, expressed by "ID POINT ACCOUNT". If the user pushes a down button 61, the display module 56 divides the cash on the cash display window 60 under the control of the cash management module 53 and then displays the divided cash on a sub cash display window 62. Similarly, if the user pushes a down button 71, the display module 56 divides the points on the point display window 70 under the control of the point management module 52 and then displays the divided points on a sub point display window 72. Preferably, the display module 56 may display the divided cash and points on sub cash and point display windows 62 and 72 of the numbers desired by the user.
As a result, the user may divide the cash display window 60 and point display window 70 respectively into a plurality of sub cash and point display windows 62 and 72 appropriately upon purchasing commodities on the Internet or according to other necessary cases.
A detailed description will hereinafter be given of the operation of the cyber money management system with the above-stated construction in accordance with the present invention.
In the cyber money management system of this invention, a user can manage the acquisition or payment of cash and points using the cyber money management program installed in his or her computer 30 or 32 under the condition that he or she connects the computer 30 or 32 to the Internet network 20 offline as well as online.
The cyber money management system can temporarily preserve cash deposited in the user's account 41 of the associated financial institution 40, such as a bank, and cash and points acquired on the Internet. As needed, the system can transfer or remit the preserved cash directly to the account 41 of the financial institution 40 or at once pay the preserved cash or points to other users.
Namely, in the cyber money management system operated by the cyber money service provider, the cyber money management server 10 is adapted to manage and approve the transfer of cyber money. The member information database 11 is connected to the cyber money management server 10 to store information of users registered as members, and the cash/point management server 12 is connected to the server 10 and member information database 11 to manage an accumulated amount of cash and an accumulated amount of points of each of the members registered in the database 1 1. The accumulated cash/point database 13 is connected to the cash/point management server 12 to store information about the accumulated amount of cash and the accumulated amount of points of each of the registered members. A plurality of user computers, for example, the first and second user computers 30 and 32 are connected to the cyber money management server 10 via the Internet network 20. The cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32. The financial institutions 40 with the users' accounts 41 are also connected to the cyber money management server 10 via the Internet network 20.
First, if a user gains access to the cyber money management server 10 using his or her computer 30 or 32, then the server 10 authenticates the user as a member. When the user conducts an electronic business transaction with another user such as a person, company, organization, institution or the like, the cyber money management server 10 checks and approves the acquisition or payment of points and cash by the user and then stores the resulting points and cash in the accumulated cash/point database 13 via the cash/point management server 12. If the user requests the transmission of information stored in the accumulated cash/point database 13 over the Internet network 20, the cyber money management server 10 authenticates the user as a member and then transmits information about the user's accumulated cash and points stored in the database 13 to the cyber money management program installed in the user computer 30 or 32. As a result, the user can always check his or her accumulated cash and points.
As stated previously, the first and second user computers 30 and 32 are connected to the cyber money management server 10 via the Internet network 20, and the cyber money management program 31 or 33 is installed in each of the first and second user computers 30 and 32. In the cyber money management program 31 or 33, the security module 50 is adapted to encode all data associated with the cyber money management system to maintain the security thereof. The advertisement management module 51 is adapted to manage all advertisements to be displayed on the user computer 30 or 32. If the user selects specific advertisements, the advertisement management module 51 stores points and cash acquired as a result of the advertisement selection respectively in the point account module 52a and cash account module 53a under the control of the point management module 52 and cash management module 53. The point management module 52 manages the acquisition of points in compensation for advertisement selection or service provision, or the use of points for commodity purchase when the user computer 30 or 32 is operated either online or offline, and then stores the resulting points in the point account module 52a.
The cash management module 53 manages the acquisition of cash in compensation for advertisement selection or service or commodity provision, or the payment of cash for commodity purchase or service use when the user computer 30 or 32 is operated either online or offline, and then stores the resulting cash in the cash account module 53 a.
The electronic mail management module 54 is adapted to create an electronic mail and forward the created electronic mail to another user via the security module 50 and transmission/reception module 57 over the Internet network 20. Also, the electronic mail management module 54 receives an electronic mail from another user via the security module 50 and transmission/reception module 57 over the Internet network 20. At this time, cyber money may be attached to the electronic mail being transmitted or received.
The information storage module 55 stores user information containing a user's member ID and password and keys selected by the user, and advertisement information containing details of advertisements to be displayed on the user computer 30 or 32. Under the control of the user, the display module 56 displays the points stored in the point account module 52a and the cash stored in the cash account module 53a on the screen of the user computer 30 or 32 whose size is adjusted by the user.
The transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to store the currently acquired cash and points in the accumulated cash/point database 13 through the cash/point management server 12. At this time, if given conditions are satisfied, the currently acquired cash and points are automatically stored in the accumulated cash/point database 13. Alternatively, the user may access the cyber money management server 10 to check the currently acquired cash and points before being stored in the accumulated cash/point database 13.
Also, when the cyber money management program is started with the supply of power to the user computer 30 or 32 and when it is ended, the transmission/reception module 57 is connected to the cyber money management server 10 through the Internet network 20 to receive the information about the accumulated amount of cash and the accumulated amount of points from the accumulated cash/point database 13 and store the received information in the cash account module 53a and point account module 52a through the cash management module 53 and point management module 52.
The security module 50 requires the user to enter a certain character or symbol key separately from the user's ID and password. This key may preferably be used to designate coordinates of a display point of each advertisement on the screen under the control of the advertisement management module 51.
The electronic business transaction module 59 is connected to the cyber money management server 10 via the transmission/reception module 57 to purchase commodities exhibited for sale by the server 10 over the Internet network 20.
The financial institution connection module 58 is connected to the financial institutions 40 through the Internet network 20 to remit or transfer the cash stored in the accumulated cash/point database 13 to an associated one of the user accounts 41 opened in the financial institutions 40.
The display module 56 displays the currently acquired or accumulated cash stored in the cash account module 53a on the cash display window 60, expressed by "ID CASH ACCOUNT", and the currently acquired or accumulated points stored in the point account module 52a on the point display window 70, expressed by "ID POINT ACCOUNT", respectively. Therefore, the user can always check his or her accumulated cash and points. If the user pushes the down button 61, the display module 56 divides the cash on the cash display window 60 under the control of the cash management module 53 and then displays the divided cash on the sub cash display window 62. Similarly, if the user pushes the down button 71, the display module 56 divides the points on the point display window 70 under the control of the point management module 52 and then displays the divided points on the sub point display window 72. Therefore, the user may divide the cash display window 60 and point display window 70 respectively into a plurality of sub cash and point display windows 62 and 72 appropriately upon purchasing commodities on the Internet or according to other necessary cases.
Accordingly, by means of the cyber money management system of the present invention, users can conveniently use cyber money of cash and points being frequently received and paid, in association with accounts opened in financial institutions.
Industrial Applicability
As apparent from the above description, the present invention provides a cyber money management system which is capable of managing cyber money for all economic activities of users through the Internet and user computers using a cyber money management program installed in each of the user computers. The cyber money is freely applicable even to computer advertisements and electronic mails. Further, even in an offline mode where each user computer is not connected to a cyber money service provider via the Internet, each user can check the amount of cyber money stored in his or her computer, resulting in a greater convenience of use. Although the preferred embodiments of the present invention have been disclosed for illustrative purposes, those skilled in the art will appreciate that various modifications, additions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims.

Claims

Claims:
1. A cyber money management system comprising: a cyber money management server for managing and approving the transfer of cyber money; a member information database connected to said cyber money management server for storing information of users registered as members; a cash/point management server connected to said cyber money management server and member information database for managing an accumulated amount of cash and an accumulated amount of points of each of the members registered in said member information database; an accumulated cash/point database connected to said cash/point management server for storing information about the accumulated amount of cash and the accumulated amount of points of each of the registered members; at least one financial institution connected to said cyber money management server via an Internet network, said financial institution having an account opened by at least one user; and at least one user computer connected online to said cyber money management server via said Internet network, said user computer having a cyber money management program installed therein.
2. A cyber money management system as set forth in Claim 1, wherein said cyber money management program includes: a security module for encoding all data associated with said cyber money management system to maintain the security thereof; an advertisement management module for managing all advertisements to be displayed on said user computer and in turn cash and points generated from said advertisements in the form of cyber money; a point management module for managing the acquisition or use of points when said user computer is operated either online or offline and storing the resulting points in a point account module; a cash management module for managing the acquisition or payment of cash when said user computer is operated either online or offline and storing the resulting cash in a cash account module; an electronic mail management module for creating an electronic mail, forwarding the created electronic mail to another user via said security module and a transmission/reception module over said Internet network and receiving an electronic mail from another user via said security module and transmission/reception module over said Internet network; an information storage module for storing user information containing a user's member identification and password and keys selected by said user, and advertisement information; a display module for displaying said points stored in said point account module and said cash stored in said cash account module on a screen of said user computer; said transmission/reception module connected to said cyber money management server through said Internet network for storing the currently acquired cash and points in said accumulated cash/point database through said cash/point management server or receiving said information about the accumulated amount of cash and the accumulated amount of points from said accumulated cash/point database and storing the received information respectively in said cash account module and point account module through said cash management module and point management module; an electronic business transaction module for gaining access to said cyber money management server over said Internet network to purchase commodities exhibited for sale by said cyber money management server; and a financial institution connection module connected to said financial institution through said Internet network for remitting or transferring said cash stored in said accumulated cash/point database to said account opened in said financial institution.
PCT/KR2001/000470 2001-03-23 2001-03-23 Cyber money management system WO2002077889A1 (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000215260A (en) * 1999-01-27 2000-08-04 Oki Electric Ind Co Ltd Electronic money management server constituting method
KR20010000323A (en) * 2000-09-15 2001-01-05 탁기준 Cybermoney union administration method
WO2001011512A1 (en) * 1999-08-05 2001-02-15 Jd Korea. Com Method and system for transfer or exchange of merit points in on-line system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000215260A (en) * 1999-01-27 2000-08-04 Oki Electric Ind Co Ltd Electronic money management server constituting method
WO2001011512A1 (en) * 1999-08-05 2001-02-15 Jd Korea. Com Method and system for transfer or exchange of merit points in on-line system
KR20010000323A (en) * 2000-09-15 2001-01-05 탁기준 Cybermoney union administration method

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 2000, no. 11 3 January 2001 (2001-01-03) *

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