WO2004040495A1

WO2004040495A1 - Method for providing stock investment game in web server

Info

Publication number: WO2004040495A1
Application number: PCT/KR2003/002056
Authority: WO
Inventors: Cheol-Hee Jang
Original assignee: Cheol-Hee Jang
Priority date: 2002-10-31
Filing date: 2003-10-06
Publication date: 2004-05-13
Also published as: AU2003264999A1; KR100428407B1; KR20020090979A

Abstract

Disclosed is a method for providing a stock investment game in a web server device. Persons, who want to participate in the cyber stock investment game, are required to join the web site as members with paying a registration fee for the cyber stock investment game. The registration fee is exchanged into cyber money and deposited in cyber accounts of the members. In addition, the members must store cyber money as prize money, insurance money, and designation money as requested by the web site. Prize money and insurance money are settled to the web site when the members participate in an individual price-earnings rate game, and designation money is settled in accounts of fund managers when the members participate in a fund price-earnings rate game. Accordingly, prize money, insurance money and designation money are initialized when the members participate in the cyber stock investment game. The members participate in the individual price-earnings rate game with their own security accounts. Thus, the web site requests trading data of members in real time or for a predetermined period of time to servers of security companies so as to calculate price-earnings rate of the members. When the cyber stock investment game has been finished, the web site distributes prize money to the members achieving a predetermined price-earnings rate, and distributes insurance money to the members, who lose money, through an inter-account transfer or through depositing money in a cyber account of the members.

Description

METHOD FOR PROVIDING STOCK INVESTMENT GAME IN WEB SERVER

Technical Field

The present invention relates to an apparatus and a method for providing an on- line game, and more particularly to an apparatus and a method for providing a stock investment game in a web server.

Background Art

An Internet is an open-type network allowing users to freely access to various sites by using a common protocol such as TCP/IP (transmission control protocol Internet protocol). A user can send letters to other users through the Internet. In addition, as compression techniques have been developed, the user can transmit multimedia information to the other users through the Internet. As the Internet has been widely used in the world, business companies utilize the Internet as a strategical tool for improving working efficiency and productivity. The business companies deal with a project through the Internet. Business areas in the Internet are gradually expanded, so that the number of business companies or enterprisers utilizing the Internet is continuously increased. Thus, various sites providing various contents, such as an Internet advertisement, an Internet broadcasting, an on-line game, an Internet newspaper/magazine, a search service, a portal service, an electronic commerce, and a cyber stock trading system, have been increased in the Internet.

For example, many investors trade stocks through the Internet. That is, as the

Internet has been widely spread, individual investors actively participate in a stock market through the Internet. Thus, individual investors demand for stock information to enhance their competitiveness. In order to satisfy with the demand for stock information, stock information providers are gradually increased in the Internet.

That is, various Internet web sites provide stock information to the investors through the Internet. Thus, individual investors can obtain stock information by directly inviting a stock exchange and a security company, or calling a phone to the stock exchange and the security company, or through a newspaper, TV or the Internet.

Generally, the individual investors trade stocks based on stock information obtained through the above manners.

However, various stock information sites simply provide numerical stock information, so the investors must analyze a flow of a stock price and a future value of the stock. In case of inexperienced individual investors, it is difficult to analyze the flow of the stock price based on the present stock price, so the inexperienced, individual investors have a great risk for the investment. Since the inexperienced individual investors lack the knowledge and experience for the stock investment, it is difficult for the inexperienced individual investors to select a class of stocks and time to buy the stocks.

For this reason, the inexperienced individual investors deposit their money to funds, such as MMF, managed by security companies. That is, the individual investors deposit their money in the security companies for a predetermined term and receive a dividend. In this case, the individual investors cannot check the investment tendency of fund managers and stock trade details. Accordingly, when the individual investors lack the knowledge and experience for the stock investment, they may apprehend about the investment ofthe fund managers.

As is proven from various simulated investment games, individual investors can make a price-earnings rate greater than a price-earnings rate of fund managers. However, since the individual investors do not invest much money, there is a limitation to earn much money. Accordingly, if inexperienced individual investors deposit their money to a special individual investor, who has an excellent ability for the stock investment, both inexperienced individual investors and special individual investor may obtain a satisfied result. In addition, if there is prepared a rule to compensate for a loss of money, the inexperienced individual investors can invest their money without anxiety.

In case of a real stock investment game, it is required to deposit more than 3- million won in a securities account, so small individual investors cannot participate in the real stock investment game. In addition, the real stock investment game is played for a long time (for example, 3 months), the participators may loss their desire before the real stock investment game has been finished, thereby giving up the real stock investment game.

Recently, various cyber analysts are employed in stock information providing sites. Many individual investors are over-credulous for the cyber analysts even though their ability has not been proven, so the individual investors frequently suffer a loss of money.

Disclosure ofthe Invention

Therefore, the present invention has been made in view of the above- mentioned problems, and it is an object ofthe present invention to provide a method for managing a web site, which pays money to prizewinners of a stock investment game by saving money contributed from members as prize money.

Another object of the present invention is to provide a method for managing a web site, which pays money to participators of a stock investment game having a loss by saving money contributed from members as insurance money.

Still another object of the present invention is to provide a method for managing a web site, which deposits money of members to designated fund managers as investment money.

Still another object of the present invention is to provide a method for managing a web site, which pays money to participators of a stock investment game achieving a predetermined price-earnings rate by requesting trading data of the participators to servers of security companies and comparing the trading data of participators with each other.

Still another object of the present invention is to provide a method for managing a web site, which distributes profits to fund managers and members designating the fund managers when the designated fund managers make profits for a predetermined period of time using money deposited by the members.

To accomplish the above objects, the present invention provides a method for providing a stock investment game in a web server device including a first processing module for processing a game application of members, a second processing module for processing an individual price-earnings rate game, a third processing module for processing a fund price-earnings rate game, a fourth module for processing an on-line banking, a fifth module for processing a betting game, and a plurality of databases, the method comprising the steps of: registering first, second and third money to a game participator database by withdrawing first to third money from cyber money of a member deposited in a cyber account of the member by using the first processing module when the member sends a signal to the web server; storing trading data of the game participators registered in a game participator database to a security account database by using the second processing module while a price-earnings rate game is being carried out, and displaying price-earnings rates of the game participators in the web page by calculating price-earnings rates of the game participators for a predetermined time period based on the trading data stored in the security account database; calculating final price-earnings rates of the game participators based on the trading data stored in the security account database when the individual price-earnings rate game is finished, preparing data including information about high-ranked game participators and members having a loss based on the final price-earnings rates, and storing the data in a profit receiver database; calculating total prize money by adding up first money of members, who participate in the game, and calculating and storing prize money to be paid for the high-ranked game participators by distributing total prize money according to a proportion of first money of the high-ranked participators; calculating total insurance money by adding up second money of members, who participate in the game, and calculating and storing insurance money to be paid for the members having a loss by distributing total insurance money based on a proportion of second money ofthe members having the loss; determining members selected through a predetermined game and members having qualification of permanent fund managers based on a predetermined rule as fund managers participating in the fund price-earnings rate game; depositing third money to at least one fund manager based on a request of the members registered in the game participator database by dividing third money; converting designation money deposited to each fund manager into actual money and transferring actual money to a security account of each fund manager from a bank account of a web site managing the web server, thereby increasing investment money of each fund manager; storing trading data of each fund manager in the security account database by using the third processing module and displaying price-earnings rates ofthe fund managers by calculating the price-earnings rates for a predetermined time period based on the trading data stored in the security account database; stopping activity of a fund manager if the fund manager creates a minus price-earnings rate exceeding a predetermined reference rate, and calculating and storing money to be paid for the members and the fund manager by distributing remaining investment money of the security account of the fund manager according to a proportion of investment money of the members and the fund manager; calculating and storing money to be paid for the fund managers and the members, who designate the fund managers, by distributing investment money and earnings based on the proportion ofthe investment money ofthe fund managers and the members when the fund price-earnings rate game is finished; and notifying an amount of money to be paid for the fund managers and members, who designate the fund managers, by using the fourth processing module and transferring money from the bank account ofthe web site managing the web server to bank accounts of the members and fund managers when the members and fund managers request for payment of money.

According to the preferred embodiment of the present invention, the method further comprises the steps of: discriminating permanent fund managers and fund managers achieving a predetermined final price-earning rate from fund managers participating in the fund price-earnings rate game; checking whether or not there are permanent fund managers having accumulated minus price-earnings rates exceeding a predetermined value and depriving qualification of the permanent fund manager if a permanent fund manager has an accumulated minus price-earnings rate exceeding the predetermined value; and checking whether or not the fund managers achieving the predetermined final price-earning rate achieve the predetermined final price-earning rate in series for a predetermined number of times, determining the fund managers as permanent fund managers if the fund managers achieve the predetermined final price- earning rate in series for a predetermined number of times, and providing qualification for participating in the manager selection game if the fund managers do not achieve the predetermined final price-earning rate in series for a predetermined number of times.

According to the preferred embodiment of the present invention the method further comprises the steps of: displaying a betting game message in the web page for a predetermined time period by using the fifth processing module after the fund managers are selected; storing betting money of the members, who participate in a betting game, and fund managers selected by the members in a database; checking whether or not the fund price-earnings rate game is finished; reading out information of members, who bet money to a fund manager achieving a highest price-earnings rate, from the data base when the fund price-earnings rate game is finished; and calculating a dividend based on betting money of the members and depositing the dividend in cyber accounts of the members.

Brief Description ofthe Drawings The foregoing and other objects, features and advantages of the present invention will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings in which:

FIG. 1 is a view showing a network according to one embodiment of the present invention; FIG. 2 is a view showing a structure of a server shown in FIG. 1 ;

FIG. 3 is a view showing a control procedure of a server according to one embodiment ofthe present invention;

FIG. 4 is a view showing a procedure of a log-on routine shown in FIG. 3;

FIG. 5 is a view showing a procedure of a game participating application routine shown in FIG. 3;

FIG. 6 is a view showing a procedure of a routine for an individual price- earnings rate game shown in FIG. 3;

FIG. 7 is a view showing a procedure of a prize money distributing routine shown in FIG. 6; FIG. 8 is a view showing a procedure of an insurance money distributing routine shown in FIG. 6;

FIG. 9 is a view showing a procedure of a manager selection game routine shown in FIG. 3;

FIG. 10 is a view showing a procedure of a betting game routine shown in FIG. 9;

FIG. 11 is a view showing a procedure of a routine for a fund price-earnings rate game shown in FIG. 3;

FIG. 12 is a view showing a procedure of a fund manager designating routine shown in FIG. 11; FIG. 13 is a view showing a procedure of an account management routine;

FIG. 14 is a view showing a notice board management routine shown in FIG. FIG. 15 is a view showing a chatting room management routine shown in FIG.

3;

FIG. 16 is a view showing a main page of a web site according to one embodiment ofthe present invention; and

FIG. 17 is a view showing data stored in a security account.

Best Mode for Carrying Out the Invention

Reference will now be made in detail to the preferred embodiments of the present invention.

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 ofthe present invention rather unclear.

Hereinafter, a method for achieving a web site providing a cyber stock investment game will be described.

Persons, who want to participate in the cyber stock investment game, are required to join the web site as members with paying a registration fee for the cyber stock investment game. The registration fee is exchanged into cyber money and deposited in cyber accounts of the members. In addition, the members must store cyber money as prize money, insurance money, and designation money as requested by the web site. Prize money and insurance money are settled to the web site when the members participate in an individual price-earnings rate game, and designation money is settled in accounts of fund managers when the members participate in a fund price- earnings rate game. Accordingly, prize money, insurance money and designation money are initialized when the members participate in the cyber stock investment game.

The members participate in the individual price-earnings rate game with their own security accounts. Thus, the web site requests trading data of members in real time or for a predetermined period of time to servers of security companies so as to calculate price-earnings rate of the members. When the cyber stock investment game has been finished, the web site distributes prize money to the members achieving a predetermined price-earnings rate, and distributes insurance money to the members, who lose money, through an inter-account transfer or through depositing money in a cyber account ofthe members.

In addition, the web site selects the members, who win the prize in the individual price-earnings rate game, who write information having superior quality in a notice board thereby obtaining a plurality of recommendations, or who create superior price-earnings rate in a previous fund price-earnings rate game, as participators of a manager selection game. The participators carry out an actual investment game identical to the above-mentioned individual price-earnings rate game, and the web site calculates the price-earnings rate of the participators in real time or for a predetermined period of time by monitoring trading details of the participators. When the actual investment game has been finished, the web site decides the participators achieving a high price- earnings rate as fund managers ofthe fund price-earnings rate game. After the fund managers has been selected, the list of the selected fund managers including permanent fund managers is displayed in the web site so as to allow the members to designate the fund managers. When the members designate their fund managers, the web site deposits total designation money of the members to accounts of the designated fund managers. Thus, the designated fund managers can carry out the actual investment game with increased money (designation money + their own investment money) through security accounts provided by the web site. When the actual investment game has been finished, the web site distributes profits to the fund managers and the members designating the fund managers.

On the other hand, the web site grants permanent fund manager qualification to the fund managers, who create profits in series for a predetermined number of times.

The permanent fund managers can directly participate in the fund price-earnings rate game without participating in the manager selection game. In addition, the web site allows the remaining fund managers to participate in the next manager selection game. The permanent fund manager may lose their qualification if a sum of minus price- earnings rate exceeds a predetermined value (30% of investment money). In addition, before the fund price-earning rate game, the members can bet their money on a specific fund manager. In this case, the web site distributes the dividend to the members if the specific fund manager creates profits.

Hereinafter, a structure and an operation of the above-mentioned web site system will be described.

FIG. 1 shows a structure of a network according to one embodiment of the present invention.

As shown in FIG. 1, a network 51 of the present invention includes a plurality of clients 21 to 2N, a server 11, a financial agency server 41, and a plurality of security company servers 31 to 3N. Personal computers capable of accessing to the Internet are used as the clients. In addition, portable terminals such as cellular phones, personal data assistants, and notebook computers can be used as the clients.

Referring to FIG. 1, the server 11 provides a web site for the stock investment game ofthe present invention. The web site requests actual trading data of participators to the security company servers, compares the price-earnings rate of participators based on the actual trading data, and pays prize money to the participators achieving a predetermined price-achieving rate. In addition, the web site deposits designation money of the members to the accounts of designated fund managers, and distributes profits created by the fund managers through an actual stock trading to the fund managers and the members. The structure and operation of the server 11 will be described in detail, later.

The clients 21 to 2N are equipped with an exclusive emulator or an exclusive web browser in order to allow the fund managers to trade stocks through the network 51. The fund mangers access to the security companies by executing the emulator or web browser so as to carry out the cyber stock trading. In addition, the cyber stock investment game is carried out after accessing to the server 11. When a user clicks a button (or a banner) provided in the web site displayed on a monitor, the clients create messages and send the messages to the server 11 in such a manner that a web page is displayed on the monitor in response to the messages. The financial agency server 41 provides an online banking service through the server 11. For example, the server 11 can request details of receipt and withdrawal of money with respect to a specific account to the financial agency server 41 and can request inter-account transfer to the financial agency server 41. In addition, when the members accessing to the server 11 carry out the online banking through an online banking window displayed in the web page, the financial agency server 41 deals with the request ofthe members, such as an inter-account transfer.

The security company servers 31 to 3N receive trading orders ofthe members, and transmit the trading orders to a computer system of a stock exchange (not shown).

In addition, security company servers 31 to 3N receive the trading result from the computer system ofthe stock exchange and store it. When the server 11 requests trading data of a specific member, the security company servers 31 to 3N transmit the trading data to the server 11.

FIG. 2 is a view showing a structure ofthe server 11 shown in FIG. 1.

As shown in FIG. 2, the server 11 includes a CPU 200, a ROM 210, a RAM 220, an external memory device 230, a UDP communication section 240, an input interface 250, an output interface 260, and various external devices 251, 252, 261 and 262.

Referring to FIG. 2, the CPU 200 controls an operation of the server 11. The ROM 210 stores a fixed program ofthe CPU 200 and fixed parameters. The RAM 220 stores various executing programs of the CPU 200 and temporary data generated when executing the programs. In detail, the RAM 220 is provided at a program area thereof with a logon-processing module 221, which deals with a registration, an information correction, and a deletion of members and authenticates members upon receiving a logon signal of the members, a game application processing module 222 for storing a registration fee of members as prize money, insurance money, and designation money when the members apply for the game, an individual price-earnings rate game processing module 223 for distributing prize money and insurance money to the members depending on the price-earnings rate of the members achieved during the individual price-earnings rate game, a manager selection game processing module 224 for selecting fund managers among qualified members, a fund price-earnings rate game processing module 225 for distributing earnings achieved by the fund managers to investors, a notice board managing module 226 for managing a notice board according to input signals of the members, a chatting room managing module 227 for managing a chatting room according to input signals of the members, and additional modules 228 including a module for processing a payment such as a cellular phone payment and a credit card payment, a module for an online banking, a module for processing a betting game, a module for unifying account data of different security companies as one format, and a module for accessing to the computer system ofthe stock exchange so as to allow the members to perform a stock trading.

The external memory device 230 is a mass storage facility including a hard disc, a floppy disc, a CD ROM, and a DVD. The external memory device 230 has a member management database 231 for managing information of members, a security account database 232 for managing security account data of members, a game participator database 233 for storing information of game participators, a profit receiver database 234 for storing information of members, who receive profits created during the game, a home page database 235 for storing web pages (for example, HTML documents) provided from the server 11, a notice board database 236 for storing contents disclosed in the notice board, and a contracted security company database 237 for storing information of contracted security companies.

The member management database 231 stores cyber account information including member's ID, password, name, age, sex, resident registration number, birthday, job, e-mail, address, and cyber money, real name security account information including names of security companies, security account numbers, an ID and a password, bank account information, and a game history of members including a price- earnings rate, an amount of prize money and insurance money received through the game, and qualification ofthe permanent fund manager. The security account number is linked with corresponding security account data ofthe security account database 232, so the security account data are read out from the security account database 232 and displayed in a monitor when the member clicks the security account number displayed in the web page. The security account database 232, as shown in FIG. 17, stores member's ID and password, security company's ID and password, balance in the account, initial investment money, price-earnings rate, and trading data. The security account database 232 stores information of members, who apply the game, such as ID, name, security account information, game money information (prize money, insurance money and designation money). In addition, the security account database 232 stores information of members, who apply the manager selection game, information of selected members, who participate in the fund price-earnings rate game, and information of participators, who participate in the betting game, such as participator's ID, information about fund managers selected by the participators, and betting money. The profit receiver database 234 stores information (ID, and an amount of money transferred to the profit receivers) of profit receivers, who receive prize money and insurance money in the individual price-earnings rate game, receive profits in the fund price-earnings rate game, and receive the dividend in the betting game. The network communication section 240 has a protocol processing module including software and hardware modules for making communication in TCP/IP protocol manner and/or UDP protocol manner. For example, the network communication section 240 includes a physical layer corresponding to a modem, and a TCP/IP layer and/or a UDP layer corresponding to a higher protocol layer. That is, the network communication section 240 processes a packet transferred thereto through the Internet so as to extract an information message and to provide the information message to the CPU 200. In addition, the network communication section 240 makes a packet in match with a predetermined protocol layer based on the information message transferred from the CPU 200 and transmits the packet to a corresponding IP address through the Internet.

The input interface 250 is provided to input various data and is connected to a mouse 251 and keyboard 252. The output interface 260 is provided to output various data and is connected to a display section 261 of a CRT or an LCD, and a printer 262 for outputting a hard copy. Hereinafter, an operation of the server 11 according to the present invention will be described. Although the CPU is described as a main element for operating the server 11, it is understood by those skilled in the art that the server 11 is operated as the CPU drives various software modules equipped in the ROM and RAM.

FIG. 3 is a view showing a control procedure ofthe server 11 according to one embodiment ofthe present invention.

Referring to FIG. 3, the CUP 200 of the server 11 initializes parameters required for executing a program and defines a constant (step 301). In addition, the CPU 200 creates a socket for receiving a TCP/IP packet and a UDP packet (step 303). Then, the CPU 200 determines whether or not the socket is successively created (step 305). Creation of the socket means that the network communication section 240 is driven. If the socket is not created, the CPU 200 closes the socket and the database, and deletes a receiving packet stored in a receiving queue (step 345).

If the socket is successively created, the CPU 200 opens the database and obtains a local IP address required for a communication (step 307). Then, the CPU 200 checks whether or not the database is successively opened (step 309). That is, the CPU 200 checks whether or not an access to the database is stably carried out. If the database is not opened, the CPU 200 returns to step 345. If the database is successively opened, the CPU checks whether or not the packet is received (step 311) and inspects a timer (step 331). That is, in step 311, the CPU 200 inspects the packet. If a UDP packet exists, the CPU 200 carries out step 313. Otherwise, the CPU 200 repeats steps 311 and 331 in order to check the packet and to inspect the timer. When the packet is received, the CPU 200 extracts information message from the received packet and checks a command type, thereby recognizing a sort ofthe message (step 13). Then, the CPU 200 checks whether or not the received message is a "logon message" (step 315). The logon message is transmitted from a client to a server when a member clicks a logon button displayed in the web page. If the received message is the logon message, the CPU performs a logon routine (sub routine) (step 323). If the received message is not the logon message, the CPU checks whether or not the received message is a "game participating message" (step 317). The game participating message is transmitted from the client to the server when the member clicks a game participating button displayed in the web page. If the received message is the game participating message, the CPU 200 performs a game participating application routine (step 325). Otherwise, the CPU 200 checks whether or not the received message is a "notice board selecting message" (step 319). The notice board selecting message is transmitted from the client to the server when the member clicks a notice board displayed in the web page. If the received message is the notice board selecting message, the CPU 200 performs a notice board management routine (step 327). Otherwise, the CPU 200 checks whether or not the received message is a "chatting room selecting message". The chatting room selecting message is transmitted from the client to the server when the member clicks a chatting room button displayed in the web page. If the received message is the chatting room selecting message, the CPU 200 performs a chatting room management routine (step 329). Otherwise, the CPU 200 returns to steps 311 and 331 in order to check the packet and to inspect the timer. Simultaneously with checking the received packet, the CPU 200 inspects the timer in step 331. In addition, the CPU 200 checks whether or not a present time is an individual price-earnings rate game start time (step 333). If the present time is the individual price-earnings rate game start time, the CPU 200 performs an individual price-earnings rate game routine (step 339). Otherwise, the CPU 200 checks whether or not the present time is a manager selection game start time (step 335). If the present time is the manager selection game start time, the CPU 200 performs a manager selection game routine (step 341). Otherwise, the CPU 200 checks whether or not the present time is a fund price-earnings rate game start time (step 337). If the present time is the fund price-earnings rate game start time, the CPU 200 performs a fund price- earnings rate game routine (step 343). Otherwise, the CPU 200 returns to steps 311 and 331 in order to check the packet and to inspect the timer.

FIG. 3 represents the operation of the server 11 according to the present invention in time series. However, since the server 11 is operated in a multi-task manner, the packet and the timer can be checked or inspected while each sub routine is being carried out. Thus, when one sub routine is performed, the other sub routines can be performed. The above mentioned sub routines including the logon, game participating application, notice board management, chatting room management, individual price-earnings rate game, manager selection game, and fund price-earnings rate game routines will be described in detail, later. FIG. 4 is a view showing a procedure ofthe logon routine (step 322) shown in

FIG. 3.

Referring to FIG. 4, upon receiving the logon message, the CPU 200 extracts the ID and password from the logon message inputted by the member (step 401). Then, the CPU 200 searches the member management database by using the ID and password (step 403), and checks whether or not there is a member matching with the D and password (step 405). If the member having the ED and password is found, the CPU 200 performs a logon process (step 407). That is, the CPU 200 allows the member to use various membership services.

In addition, the CPU 200 displays a logon success message (step 409), which means that the user's computer displays a web document, such as HTML and HTM, corresponding to the web page by using a web browser through downloading the web document from the server 11. Then, the CPU 200 searches information of the member in order to check whether or not the member has a security account (step 411). If the member has the security account, the CPU 200 requests account data ofthe member to a security company server (step 413). In addition, the CPU 200 checks whether or not the account data ofthe member is transmitted from the security company server (step 415). When the account data ofthe member is transmitted from the security company server, the CPU 200 stores the account data of the member in a security account database (step 417), and then, returns to steps 311 and 331 shown in FIG. 3. If the member has no security account, the CPU 200 displays a message, which requests to establish the security account, in the web page (step 419), and then, returns to steps 311 and 331 shown in FIG. 3.

On the other hand, in step 405, if the logon message is inputted from a client, who has no qualification for membership, the CPU 200 displays a message, which requests the client to join membership in the web page (step 421). Then, the CPU 200 checks whether or not the client clicks a member join button (step 423). That is, the CPU 200 checks whether or not a predetermined message is inputted from the client through the member join button. If the client clicks the member join button, the CPU 200 performs a member join process (step 425). If there is no message from the client for a predetermined time, the CPU 200 returns to steps 311 and 331. When the member join process is carried out, an agreement is firstly displayed. If the client agrees with the agreement, a web page for inputting information of the client is displayed. When the client clicks a completion button after inputting information, member information is registered in the member management database. FIG. 5 is a view showing a procedure of the game participating application routine (step 325) shown in FIG. 3.

Referring to FIG. 5, upon receiving the game participating message, the CPU 200 checks whether or not the member or the client, who sends the game participating message, is in a logon state (step 501). If the member or the client sends the message without logging on the site, the CPU 200 displays a logon message in the web page (step 533), and then returns to steps 311 and 331 shown in FIG. 3. If the member or the client is in the logon state, the CPU 200 searches the member management database (step 503), and checks whether or not the member or the client has cyber money in the cyber account. If the member or the client has cyber money in the cyber account, the CPU 200 displays a cyber money charge message in the web page (step 542) and checks whether or not the member or the client selects the cyber money charge (step 543). If the member or the client selects the cyber money charge, the CPU 200 displays a money payment window in the web page (step 545). Otherwise, the CPU 200 performs step 515. After displaying the money payment window, the CPU 200 checks receipt of money (step 547). If money has been received, the CPU 200 exchanges received money into cyber money and deposits cyber money in the account ofthe member or the client. Then, the CPU 200 displays an amount of cyber money in the web page and performs step 515. For instance, the money payment will be carried out through an electronic payment, a cellular phone payment, a credit card payment and an online banking.

In step 505, if the member or the client has no cyber money in the cyber account, the CPU 200 checks a registration fee (game participation fee) of the member from the database (step 507). Then, the CPU 200 accesses to the financial agency server so as to request details of withdrawal and receipt in the member's account (step 509) and checks whether or not the registration fee is transferred from the member's account (step 511). If the registration fee is not transferred from the member's account, the CPU 200 displays a payment request message in the web page (step 535), and checks whether or not the member or the client clicks an instant payment button (step 537). If the member or the client clicks the instant payment button, the CPU 200 displays the money payment window (step 539), and checks whether or not the money payment has been completed (step 541). If the money payment has been completed, the CPU 200 exchanges the registration fee with cyber money and deposits the cyber money in the account of the member (step 513). After displaying cyber money deposited in the account ofthe member, the CPU 200 performs step 515. In step 515, the CPU 200 displays a cyber money division message in the web page. In addition, the CPU 200 checks whether or not insurance money is transferred from cyber money (step 517). If insurance money is transferred from cyber money, the CPU 200 stores insurance money and displays insurance money and remaining cyber money in the web page (step 519). Then, the CPU 200 checks or not prize money is transferred from cyber money (step 521). If prize money is transferred from cyber money, the CPU 200 stores prize money and displays prize money and remaining cyber money in the web page (step 523). Then, the CPU 200 checks whether or not designation money is transferred from cyber money (step 525). If designation money is transferred from cyber money, the CPU 200 stores designation money and displays designation money and remaining cyber money in the web page (step 527). After that, the CPU 200 stores insurance money, prize money, designation money, and remaining cyber money in the cyber account of the member (step 529). Then, the CPU 200 registers member's game registration data including insurance money, prize money, and designation money information in a game participator database (step 531), and then, returns to steps 311 and 331 shown in FIG. 3.

FIG. 6 is a view showing a procedure an individual price-earnings rate game routine (step 339) shown in FIG. 3.

Referring to FIG. 6, when the individual price-earning rate game starts, the CPU 200 reads out information of members, who participate in the individual price- earning rate game, from a game participator database and displays member's information in the web page (step 601). That is, an ID, a name and a price-earnings rate ofthe members are displayed in the web page. When a person selects (clicks) a specific member displayed in the web page, information of the specific member is displayed in the web page. Then, the CPU 200 determines whether or not a time for requesting trading data to the security company reaches (step 603). If the request time does not reach, the CPU 200 requests trading data of the participators to the security company server (step 605). In addition, the CPU 200 checks whether or not trading data are transferred from the security company server (step 607). For instance, the request for trading data can be performed once a day whenever the stock market is closed. In addition, it is also possible to provide trading data to the server 11 whenever the trading is carried out in the security company server.

Upon receiving the trading data from the security company server, the CPU 200 updates security data of members based on the trading data of the members (step 609). In addition, the CPU 200 calculates the price-earnings rate of the members based on the updated security data of the members and displays the price-earnings rate in a main page ofthe site (step 611). When calculating the price-earnings rate, the CPU 200 just calculates down to two places of decimals and the remainder is disregarded. Then, the CPU 200 checks whether or not the individual price-earnings rate game has been finished (step 613). The individual price-earnings rate game is carried out for two weeks. If the individual price-earnings rate game has not been finished, the CPU 200 returns to step 603 in order to checks whether or not the time for requesting the trading data reaches. If the individual price-earnings rate game has been finished, the CPU 200 selects winners by comparing price-earnings rates of the participators with each other and stores data of the winners in the profit receiver database (step 615). The members achieving first to three grades in the individual price-earnings rate game will be selected as winners, who receive prize money. In addition, the CPU 200 selects losers, who receive insurance money, based on the price-earnings rates of the members and stores data of the losers in profit receiver database (step 617). Members, who lose more than 30% of investment money, will be selected as the losers. Then, the CPU 200 performs a prize money distributing routine (step 619) and an insurance money distributing routine (step 621), and returns to steps 311 and 331 as shown in FIG. 3. Hereinafter, the prize money distributing routine and the insurance money distributing routine will be described.

FIG. 7 shows a procedure of the prize money payment routine (step 619) described with reference to FIG. 6.

Referring to FIG. 7, the CPU 200 reads out data of members, who receive prize money, from the profit receiver database (step 701), and reads out total prize money (accumulated prize money) and prize money paid by the winners (step 703). Then, the CPU 200 distributes accumulated prize money into accounts of winners according to a predetermined rule. For example, on the assumption that total prize money is 10 million won and three winners A, B and C receive prize money, the CPU 200 adds up prize money paid by the winners (for example, A; 20,000 won, B; 30,000 won, and C; 50,000). In this case, prize money paid by the winner A is 20% of prize money paid by three winners, so the winner A can receive 20% of total prize money. That is, the winner A can receive 2 million won.

After calculating and storing prize money in the above manner, the CPU 200 distributes prize money to the winners and adds remaining money to prize money of a next individual price-earnings rate game (step 707). Since prize money is distributed to the winners as 10,000-won unit, several-thousand won may remain as balance. The balance is added to prize money of the next individual price-earnings rate game. Then, the CPU 200 checks whether or not each winner had received insurance money before (step 709). If the winners do not receive insurance money before, the CPU 200 performs step 719. In addition, if the winners had received insurance money before, the CPU 200 checks whether or not the winners had received prize money after receiving insurance money (step 711). If the winners had received prize money after receiving insurance money, the CPU 200 performs step 719. Otherwise, the CPU 200 performs step 713. Then, the CPU 200 reads out proportions of insurance money, which has been paid for the winners before (step 713), and selects the highest proportion of insurance money (step 715). In addition, the CPU 200 takes out money corresponding to the highest proportion of insurance money from prize money ofthe winner and saves it as insurance money for the next game (step 717).

Then, the CPU 200 checks whether or not prize money of the winners exceeds 1000% of initial investment money. Initial investment money signifies money and securities held in the security accounts of the members when the game is started. When calculating a value of securities, a close- value ofthe securities in a day before the game is used. If prize money of the winners exceeds 1000% of initial investment money, the CPU 200 stores 1000% of initial investment money as prize money (step 727), and stores 10%) of prize money as a reserve (step 729). In addition, the CPU 200 stores final prize money for the members by subtracting the reserve from the prize money (step 731). In addition, the CPU 200 subtracts money corresponding to 1000% of initial investment money from calculated prize money and stores it as prize money for the next game. Then, the CPU 200 performs step 725.

If prize money does not exceed 1000%> of initial investment money in step 719, the CPU 200 stores 10%> of calculated prize money as a reserve (step 721). In addition, the CPU 200 stores final prize money for the members by subtracting the reserve from calculated prize money (step 723) and performs step 725. The CPU 200 performs an account management routine in step 725 and returns to step 621 shown in FIG. 6. The account management routine will be described in detail with reference to FIG. 13.

FIG. 8 is a view showing a procedure of an insurance money distributing routine shown in FIG. 6.

Referring to FIG. 8, the CPU 200 reads out information of members, who receive insurance money, from the profit receiver database (step 801). In addition, the CPU 200 reads out total insurance money (accumulated insurance money) and insurance money paid by the members, who receive insurance money. Then, the CPU 200 distributes total insurance money according to a predetermined rule as insurance money of the members. Insurance money is distributed to the members with the same manner as the prize money distribution manner. After distributing insurance money to the members, the CPU 200 adds remaining money to insurance money ofthe next game (step 807). In addition, the CPU 200 notifies the members to receive insurance money by displaying a pop-up window or by transmitting E-mail to the members, who receive insurance money (step 809).

Then, the CPU 200 checks whether or not the members have received insurance money (step 811). For example, an insurance money receipt button and an insurance money reject button are provided in the pop-up window or E-mail so that the CPU 200 can recognize the receipt or reject of insurance money when the members click the insurance money receipt button or the insurance money reject button. If a member clicks the insurance money reject button, the CPU 200 adds insurance money to total insurance money for the next game without providing insurance money to the member (step 823). Then, the CPU 200 performs step 821. If a member clicks the insurance money receipt button, the CPU 200 checks whether or not calculated insurance money exceeds 50%ι of lost money (step 813). If calculated insurance money does not exceed 50% of lost money, the CPU 200 performs step 819. In addition, if calculated insurance money exceeds 50% of lost money, step 815 is carried out. The control section 200 stores 50%> of lost money as insurance money to be paid in step 815, and subtracts insurance money to be paid from calculated insurance money so as to add the difference to total insurance money of the next game. In addition, the CPU 200 performs the account management routine in step 819, and checks whether or not insurance money has been paid to the members (step 821). The account management routine will be explained later with reference to FIG. 13. If insurance money has not been paid, the CPU 200 returns to step 811 so as to inspect other members, who have a right to receive insurance money. Otherwise, the CPU 200 returns to steps 311 and 331 shown in FIG. 3.

FIG. 9 is a view showing a procedure of a manager selection game routine (STEP 341) shown in FIG. 3. Referring to FIG. 9, when the manager selection game starts, the CPU 200 reads out information of winners, who achieve higher grades in the individual price- earnings rate game for a predetermined term (for example, three months), from a database (step 901). In addition, the CPU 200 reads out information of members, who are qualified to participate in the fund price-earnings rate game, from the database (step 903). For instance, members, who discloses information in the notice board and get a plurality of recommendations, or achieve a higher grade in the previous fund price- earnings rate game, have a right to participate in the fund price-earnings rate game. Hereinafter, the members having the right to participate in the fund price-earnings rate game are referred as to candidates. Then, the CPU 200 reads out information of the candidates including prize money, insurance money and designation money information from a game participator database (step 905), and selects a predetermined number of manager selection game participators out of the candidates based on information of the candidates (step 907). The selection may be achieved in the order of paid insurance money. Then, the CPU 200 notifies selected participators that they have qualification for the manager selection game (step 908) through the pop-up window in the web page or through E-mail. In addition, the CPU 200 checks whether or not the selected participators accept to participate in the manager selection game (step 909). That is, a manager selection game acceptance button is provided in the pop-up window or E-mail so that the CPU 200 can recognize the acceptance ofthe selected participators when the participators click the manager selection game acceptance button. When the selected participators click the manager selection game acceptance button, the CPU 200 requests security account data of the selected participators to security company servers (step 911), and checks whether or not the security account data are transferred from the security company servers (step 913). Upon receiving the security account data, the CPU 200 updates the security account database with the security account data (step 915).

Then, the CPU 200 waits for a predetermined standby time to receive an application of the participators for the manager selection game. During the predetermined standby time, the CPU 200 returns to step 909 to check the application of the participators. In a case that the predetermined standby time lapses, the CPU 200 checks whether or not a present time is a manager selection game starting time (step 919). If the present time is the manager selection game starting time, the CPU 200 reads out information of game participators from the database and displays it in the web page (step 921). Then, the CPU 200 checks whether or not a time for requesting trading data ofthe participators to the security company servers reaches (step 923). When the trading data requesting time is not yet arrived, the CPU 200 performs step 933. If the trading data requesting time reaches, the CPU 200 requests trading data to the security company server (step 925), and updates the security account database with the trading data (step 927). For instance, the CPU 200 can request the trading data once a day when the stock market is closed. In addition, the trading data can be automatically provided into the server whenever the trading is carried out in the security company servers.

Then, the CPU 200 calculates the price-earnings rates ofthe participators based on the updated trading data and displays the price-earnings rates in the web page (step 931). When calculating the price-earnings rates, the CPU 200 just calculates down to two places of decimals and the remainder is disregarded. Then, the CPU 200 checks whether or not the manager selection game has been finished (step 933). If the manager selection game is still carried out, the CPU 200 returns to step 923 to check whether or not the time for requesting the trading data reaches. If the manager selection game has been finished, the CPU 200 selects winners by comparing price-earnings rates of the participators (step 935). The winners are qualified as fund managers. Then, the CPU 200 performs the betting game routine (step 937) and returns to steps 311 and 331 shown in FIG. 3. Hereinafter; the betting game routine (step 937) will be described with reference to FIG. 10.

FIG. 10 is a view showing a procedure of the betting game routine shown in FIG. 9.

Referring to FIG. 10, the CPU 200 displays a period and contents ofthe betting game in the web page or main page through the pop-up window or banners (step 1001). Then, the CPU 200 checks whether or not there are members, who participate in the betting game (step 1003). For instance, a betting game application button is provided in the pop-up window or main page so that the CPU 200 can recognize the application of the members when the members click the betting game application button. This procedure is carried out for a predetermined term. If a member clicks the betting game application button, the CUP 200 checks whether or not the member is in a log-on state (step 1005). If the member is in a log-off state, the CPU 200 displays a log-on message in the web page for the member (step 1027), and returns to steps 311 and 331 shown in FIG. 3. If the member is in the log-on state, the CPU 200 displays a betting game web page (step 1007). At this time, cyber money deposited in the cyber account of the member is also displayed. If cyber money is insufficiently deposited in the cyber account ofthe member, a cyber money-charging message is also displayed. Upon displaying the betting game web page, the CPU 200 inspects the cyber account ofthe member so as to check an amount of cyber money deposited in the cyber account (step 1009). If sufficient cyber money is deposited in the cyber account of the member, the CPU 200 performs step 1019. Otherwise, the CPU 200 checks whether or not the member clicks a cyber money-charging button (step 1011). When the member clicks the cyber money-charging button, the CPU 200 displays a payment window (step 1013), and checks whether or not the payment has been completed (step 1015). If the payment has been completed, the CPU 200 deposits cyber money in the cyber account ofthe member (step 1017), and displays a total amount of cyber money in the web page. Then, the CPU 200 performs step 1019. The payment can be achieved through an electronic payment system, a cellular phone, a credit card, and an on-line banking.

Then, the CPU 200 calculates initial investment money of the member by accessing to the security account database of the member (step 1019). As mentioned above, initial investment money includes money and security stored in the cyber account ofthe member. Then, the CPU 200 stores 1% of initial investment money as a betting limit (step 1021) and checks whether or not members click a fund manager information requesting button (step 1023). The fund manager information requesting button is provided at the betting game main page. When members click the fund manager information requesting button, the CPU 200 reads out information of fund managers, who participate in the fund price-earnings rate game, from the database and displays it in the web page (step 1025). In addition, the CPU 200 checks whether or not the member selects a specific fund manager (step 1029). When the member selects the specific fund manager, the CPU 200 displays a money betting message in the web page (step 1031), and checks whether or not the member bets cyber money (step 1033). If the member bets cyber money, the CPU 200 stores betting money ofthe member and a fund manager selected by the member in the database (step 1037). In addition, the CPU 200 stores the balance of cyber money and displays the result in the web page. If the member bets cyber money more than the betting limit, the CPU 200 displays an error message in the web page and requests the member to properly bet cyber money.

Then, the CPU 200 checks whether or not the member clicks a betting completion button (step 1039). If the member clicks the betting completion button, the CPU 200 deposits the balance of cyber money in the cyber account ofthe member (step 1041). In addition, the CPU 200 checks whether or not a predetermined betting period has been expired (step 1042). If the betting period is not expired, the CPU 200 returns to step 1003 in order to check whether or not there are members, who want to participate in the betting game. If the betting period has been expired, the CPU 200 checks whether or not the fund price-earnings rate game has been finished (step 1043). For instance, the betting game includes a guess for the price-earning rate and a guess for the rank of fund managers. According to the present invention, the members have to make a good guess for the 1^st ranked fund manager to win the game. When the fund price-earnings rate game has been finished, the CPU 200 reads out the ranks and price-earnings rates of the fund managers from the database (step 1045). In addition, the CPU 200 selects members, who bet their money to the 1^st ranked fund manager (step 1047), and calculates the dividend to be distributed to the members (step 1049). The dividend may be distributed to the members with the same manner as the insurance money distribution manner. Then, the CPU 200 deposits the dividend to the cyber account of the members (step 1051), and returns to steps 311 and 331 shown in FIG. 3 after performing the account management routine (step 1053). The account management routine will be described later with reference to FIG. 13.

Although the present invention has been described that the members bet their money to fund managers selected from the manager selection game, it does not mean that the betting game is only applied to the fund price-earnings rate game. That is, the betting game can be applied to the individual price-earnings rate game and the manager selection game in the same way as described above. For example, if the betting game is applied to the individual price-earnings rate game, the members bet their money to the participators ofthe individual price-earnings rate game and the dividend is distributed to the members, who selects the 1^st ranked participator.

FIG. 11 is a view showing a procedure of the fund price-earnings rate game routine (step 343) shown in FIG. 3.

Referring to FIG. 11, when the fund price-earnings rate game starts, the CPU 200 reads out information of winners, who achieve higher grades in the manager selection game, from a database (step 1101). In addition, the CPU 200 reads out information of members, who are qualified as permanent fund managers, from the database (step 1103). Hereinafter, the fund managers and the members, who achieve higher grades in the manager selection game, are referred as to participators. Then, the CPU 200 notifies the participators that they have qualification for the fund price- earnings rate game (step 1105) through the pop-up window in the web page or through E-mail.

Then, the CPU 200 checks whether or not the participators click a game participating button (step 1107). When the participators click the game participating button, the CPU 200 performs an investment money input routine for the participators (step 1109). In detail, when the participators click the game participating button, the CPU 200 displays a message requesting an input of investment money in the web page. In addition, when the participators click an investment money input button, the CPU 200 displays a payment window in the web page so as to allow the participators to input investment money. Upon receiving investment money from the participators, the CPU 200 exchanges investment' mone ^: into cyber-money- and. deposits cyber^, money in-the.- cyber account of the participators. If security accounts of the participators are establi shed; :.cy,ber? mΩney^is;; exch^ deposrted.in.tlre.scc "hy; CCθun^ •.> ..• ^■- - ^{■ •} Then; the CPU .200^' .checks whether;or.notva; redetermined~standby.^:;tim vhas^ been passed, which is required for receiving a game application from the participators (step 1111). During the predetermined standby time, the CPU 200 returns to step 1107 to receive the game application from the participators. In a case that the predetermined standby time lapses, the CPU 200 displays a designation money distribution message in the web page (step 1113).

Then, the CPU 200 inspects whether or not the members click a designation money distribution button (step 1115). If the members click the designation money distribution button, the CPU 200 performs a fund manager designating routine (step 1117). The fund manager designating routine will be described later with reference to FIG. 12. When designation money has been distributed to the fund managers through the fund manager designating routine, the CPU 200 sends information about established security accounts to the participators through E-mail. As mentioned above, initial investment money ofthe participators is stored in the established security accounts.

Then, the CPU 200 checks whether or not a game start time reaches (step 1121). When the game starts, the participators access to the web site provided by the server 11 so as to trade stocks. When the participators request for the trading of stocks, the CPU 200 displays a program capable of allowing the participators to access to a computer system ofthe security exchange or a stock trading program, which is provided from security companies, in the web page. Thus, the participators access to the program using an ED and a password received from the web site, and trade stocks by using the program. At this time, the participators trade stocks for a predetermined time period (for example, 3 months) by using designation money or designation money and initial investment money. The server 11 monitors the stock trading of the participators in real time and displays the result in the web page. As the game proceeds, the CPU 200 displays price-earnings rates of participators in the web page (step 1123). In addition, the CPU 200 inspects the price- earnings rate of the participators so as to check whether or not there are participators, who suffer a loss exceeding a predetermined reference rate (step 1125). The predetermined reference rate may be set as 30%> of investment money. If there are participators having a loss exceeding the predetermined reference rate, the CPU 200 sends E-mail to the participators in order to stop the stock trading of the participators (step 1141). Then, the CPU 200 distributes remaining investment money (securities and actual money) to the participators and members, who designate the participators having the loss, according to a proportion of their investment money, and notifies an amount of money to be distributed to the participators and members (step 1143). Then, the CPU 200 performs the account management routine as shown in FIG. 13 (step 1145) and returns to steps 311 and 331 shown in FIG. 3.

If there are no participators having the loss exceeding the predetermined reference rate, the CPU 200 checks whether or not a game finish time reaches (step 1127). If the game finish time does not reach, the CPU 200 returns to step 1123 in order to display price-earnings rates of the participators. If the game has been finished, the CPU 200 calculates final price-earnings rates of the participators (step 1129). In addition, the CPU 200 checks whether or not the final price-earnings rates of the participators are within a predetermined price-earnings rate (step 1131). If the final price-earnings rates ofthe participators are within the predetermined price-earnings rate, the CPU 200 primarily pays a dividend to the participators (fund managers) based on their earnings, and distributes remaining earnings to the participators and members designating the participators in proportion to investment money (step 1137). In addition, the CPU 200 notifies an amount of money to be received to the members and participators. Then, the CPU 200 performs the account management routine as shown in FIG. 13 (step 1145) and returns to steps 311 and 331 shown in FIG. 3.

On the other hand, if there are participators achieving final price-earnings rates exceeding the predetermined price-earnings rate, the CPU 200 reads out a prize money reserve from the database (step 1133) and calculates prize money based on the price- earnings rates achieved by the participators. Then, the CPU 200 determines whether or not calculated prize money exceeds 1000%> of investment money of the participators (step 1147). If calculated prize money is less than 1000%> of investment money of the participators, the CPU 200 performs steps 1153. In addition, if calculated prize money is more than 1000% of investment money of the participators, the CPU 200 calculates the reserve by subtracting 1000% of investment money from calculated prize money and saves the reserve for the next game (step 1149).

Thus, money corresponding to 1000%> of investment money is determined as prize money of the participators (step 1151). Then, the CPU 200 determines 70% of prize money as a payment distributed to the participators, and saves 30%> of prize money as the reserve for the next game (step 1153). Then, the CPU 200 primarily pays the dividend to the participators (fund managers) proportional to their earnings, and distributes remaining earnings to the participators and members designating the participators proportional to their investment money (step 1155). In addition, the CPU 200 notifies an amount of money to be received to the members and participators. Then, the CPU 200 performs the account management routine (step 1157) as shown in FIG. 13.

In addition, the CPU 200 inspects information of fund managers, who participate in the game, so as to check whether or not the fund managers are permanent fund managers. If the fund managers are permanent fund managers, the CPU 200 reads out the price-earnings rates of the permanent fund managers from the database (step 1161), and checks whether or not total minus price-earnings rate of the permanent fund manager exceeds a predetermined rate (30% of investment money) (step 1163). If the total minus price-earnings rate of the permanent fund manager is less than the predetermined rate, the CPU 200 returns to steps 311 and 331 shown in FIG. 3. If the total minus price-earnings rate of a permanent fund manager exceeds the predetermined rate, the qualification of the permanent fund manager is deprived (step 1165). In this case, the CPU 200 updates the database (step 1167) based on the above result and returns to steps 311 and 331 as shown in FIG. 3.

In step 1159, if the fund managers have no qualification for the permanent fund managers, the CPU 200 checks whether or not the fund managers achieve the price- earnings rate in series in match with a predetermined rule. If a fund manager achieves the price-earnings rate in series in match with the predetermined rule, the CUP 200 determines the fund manager as a permanent fund manager (step 1171) and performs step 1167. Otherwise, the CPU 200 provides a qualification for participating in the manager selection game to the fund manager and performs steps 1167.

FIG. 12 is a view showing a procedure of a fund manager designating routine (step 1117) shown in FIG. 11.

Referring to FIG. 12, when members click the designation money distribution button, the CPU 200 reads out designation money of the members from the database and displays designation money in the web page (step 1201). Then, the CPU 200 checks whether or not the members click a designation button (step 1203). If the members click the designation button, the CPU 200 displays information of fund managers including permanent fund managers, who participate in the fund price-earnings rate game, in the web page (step 1205). At this time, total designation money that has been deposited to the fund managers from the members and available designation money for the fund managers are simultaneously displayed. Then, members select the fund managers and input designation money. At this time, the CPU 200 inspects the fund managers designated by the members (step 1207). When the fund managers are selected, the CPU 200 displays remaining designation money in the web page (step 1209). On the other hand, the CPU 200 decides the ranking of fund managers according to a designation order of the members. For example, a fund manager, who is firstly selected by the member, is a 1^st ranked fund manager, and a fund manager, who is secondarily selected by the member, is a 2^nd ranked fund manager.

In addition, the CPU 200 checks whether or not the member designates the fund managers for predetermined times (5 times) (step 1211). If the member still has a chance to designate the fund managers, the CPU 200 returns to step 1207. In addition, the member designates the fund managers for five times, the CPU 200 displays a designation completion message in the web page (step 1213). That is, the member can designate at least one fund manager by dividing designation money. For example, if the member wants to designate two fund managers, the member can designate one fund manager for three times and designate the other fund manager for two times. Then, the CPU 200 stores remaining designation money in the cyber account of the member (step 1215). After that, the CPU 200 checks whether or not a designation money distribution period has been expired (step 1217). If the designation money distribution period is not expired, the CPU 200 returns to step 1115 shown in FIG. 11 in order to check whether or not the members click the designation money distribution button. If the designation money distribution period has been expired, the CPU 200 calculates designation money deposited to each fund manager (step 1219).

Then, the CPU 200 checks whether or not designation money deposited to a specific fund manager exceeds 1000% of investment money of the specific fund manager (step 1221). If designation money deposited to the specific fund manager is less than 1000%» of investment money ofthe specific fund manager, the CPU 200 stores designation money in the cyber account of the specific fund manager (step 1225). However, if designation money deposited to the specific fund manager exceeds 1000%) of investment money ofthe specific fund manager, the CPU 200 stores excess money in the cyber account of the other fund manager (step 1223) before designation money is stored in the cyber account of the specific fund manager. For example, designation money of members, who select the specific fund manager as the 1^st ranked fund manager, is primarily deposited in the cyber account of the specific fund manager. If designation money deposited to the specific fund manager exceeds 1000%) of investment money of the specific fund manager, designation money is automatically transferred to a next ranking fund manager. If designation money of a specific member is rejected from a 5^th ranked fund manager, designation money is stored in the cyber account of the specific member. Then, in accordance with a predetermined order, the CPU 200 checks whether or not the specific fund manager is the final fund manager (step 1227). If the specific fund manager is the final fund manager, the CPU 200 performs step 1229. Otherwise, the CPU 200 returns to step 1221 in order to inspect the next fund manager. The predetermined order can be set according to amount of designation money or according to a proportion of designation money with respect to investment money.

In addition, the CPU 200 notifies allotted designation money to the fund managers through E-mail. Then, the CPU 200 checks whether or not fund managers click a designation money acceptance button or a designation money reject button (step 1231). If a fund manager clicks the designation money reject button,' the CPU 200 checks whether or not designation money rejected by the fund manager exceeds a predetermined proportion to total designation money (step 1239). If an amount of rejected designation money exceeds the predetermined proportion to total designation money, the CPU 200 displays a warning message in the web page (step 1243) and returns to step 1231 so as to check whether or not the fund manager clicks the designation money acceptance button or the designation money reject button. If the amount of rejected money is less than the predetermined proportion to total designation money, the CPU 200 stores rejected money to the cyber accounts of the corresponding members (step 1241) and performs step 1241. At this time, designation money of members, who firstly designate the fund manager, is primarily stored in the cyber accounts of the members. Alternatively, insurance money of the members can be inspected in order to primarily return designation money of members in the order of an amount of insurance money.

If the fund manager clicks the designation money acceptance button, the CPU 200 stores designation money (step 1233), and transfers actual money from a bank account of the web site to the security account of the fund manager (step 1235). In addition, the CPU 200 checks whether or not designation money has been transferred to the security accounts of the fund managers (step 1237). If designation money has not been transferred to the security accounts of the fund managers, the CPU 200 returns to step 1231 so as to check whether or not the fund manager clicks the designation money acceptance button or the designation money reject button. If designation money has been transferred to the security accounts of the fund managers, the CPU 200 returns to step 1119 shown in FIG. 11.

Hereinafter, another embodiment of the fund price-earnings rate game will be described. When a specific fund manager clicks a game participating button, the CPU 200 displays an investment money input message in the web page. If the fund manager clicks an investment money input button, the CPU 200 displays a payment window in the web page. Upon receiving investment money from the fund manager, the CPU 200 converts investment money into cyber money and deposits cyber money in the cyber account of the fund manager. Then, the CPU 200 displays an amount of cyber money and a limit of cyber money. At this time, a message inquiring an amount of designation money required by the fund manager is also displayed. The fund manager can input desired designation money within the limit of cyber money. When the fund manager has inputted desired designation money, the CPU 200 stores desired designation money and performs next steps including step 1111. At this time, "1000%) of investment money" described with reference to FIG. 12 is changed into "desired designation money". That is, the CPU 200 checks whether or not designation money exceeds desired designation money in step 1221 and transfers excess designation money to other fund managers if designation money exceeds desired designation money in step 1223. If designation money is within desired designation money, the CPU 200 stores designation money in step 1225. In this case, a step for rejecting designation money is not required, so the CPU 200 deposits designation money in the security account of the fund manager after inspecting the final fund managers in step 1227.

FIG. 13 is a view showing a procedure ofthe account management routine. Referring to FIG. 13, when it is required to pay money to members, the CPU 200 searches the database (step 1301), and checks whether or not the members want to receive money through a bank account. Alternatively, when it is required to pay money to members, the CPU 200 sends a message to the members through E-mail so as to check whether or not the members want to receive money through the bank account. Then, the CPU 200 checks whether or not the members click a " bank account deposit button" provided in the message.

If the members do not want to receive money through the bank account, the CPU 200 deposits cyber money to the cyber accounts of the members (step 1317) and returns to a corresponding program. If the members click the bank account deposit button, the CPU 200 converts cyber money into actual money (step 1305) and notifies the result to the members. Then, the CPU 200 checks whether or not the members click a payment button (step 1307). When the members click the payment button, the CPU 200 reads out the bank accounts ofthe members from the database and sends a message to a financial agency in order to request money-transfer from a bank account of the web site to the bank accounts of the members (step 1309). Then, the CPU 200 checks whether or not a response message representing completion of money-transfer is transmitted from the financial agency (step 1311). Upon receiving the response message, the CPU 200 displays a payment completion message in the web page (step 1313) and stores information representing paid money therein. Then, the CPU 200 returns to the corresponding program.

FIG. 14 is a view showing a notice board management routine (step 327) shown in FIG. 3.

Referring to FIG. 14, when a member selects or clicks a notice board selecting button provided in a main page, the CPU 200 displays a notice board in the web page so as to allow the member to access to the notice board (step 1403). In addition, the CPU 200 checks whether or not the member selects or clicks a specific article from a list of the notice board (step 1405). If the member does not click the specific article for a predetermined time, the CPU 200 checks whether or not the member clicks a writing button. If the member clicks the writing button, the CPU 200 displays a writing window in the web page so as to allow the member to write an article or an opinion in the notice board (step 1425). Then, the CPU 200 checks whether or not the member clicks a writing completion button (step 1427). If the member clicks the writing completion button, the CPU 200 registers the article or opinion of the member in the notice board (step 1429) and returns to step 1403 to update the notice board. In step 1405, if the member selects the specific article or opinion from the list of the notice board, the CPU 200 displays the contents of the article or opinion in the web page (step 1407). In addition, the CPU 200 checks whether or not the member clicks a "next list button". If the member clicks the next list button, the CPU 200 returns to step 1407 in order to display contents of the next article or opinion in the web page. Otherwise, the CPU 200 performs step 1411 in order to check whether or not the member clicks a previous list button. If the member clicks the previous list button, the CPU 200 returns to step 1407 in order to display contents of the previous article or opinion in the web page. Otherwise, the CPU 200 performs step 1413 in order to check whether or not the member clicks a "list" button. If the member clicks the list button, the CPU 200 returns to step 1403 to display the list in the web page. Otherwise, the CPU 200 performs step 1415 in order to check whether or not the member clicks a "recommendation button".

If the member does not click the recommendation button, the CPU 200 returns to step 1409 in order to checks whether or not the member clicks other buttons. In addition, if the member clicks the recommendation button, the CPU 200 performs step

1417 so as to update a recommendation count for the article or opinion selected by the member, and returns to step 1403 in order to display the notice board reflecting the updated recommendation count. The number of recommendation counts for a predetermined time period is stored in the CPU 200, and the members having a great number of recommendation counts can take a chance to participate in the manager selection game. In addition, when the member moves into the main page, the CPU 200 returns to steps 311 and 331 shown in FIG. 3.

FIG. 15 is a view showing a chatting room management routine (step 329) shown in FIG. 3. Referring to FIG. 15, when a member clicks a chatting room entrance button, the CPU 200 displays a chatting window for scrolling conversation and an input window for inputting a word or a sentence (step 1501). Then, the CPU 200 checks whether or not the member clicks a transmission button (step 1503). When the member clicks the transmission button, the CPU 200 displays the word or sentence inputted by the member in the chatting window (step 1505). Then, the CPU 200 checks whether or not the member clicks a chatting room exit button (step 1507). If the member does not click the chatting room exit button, the CPU 200 returns to step 1501 in order to display the chatting window. If the member clicks the chatting room exit button, the CPU 200 displays the main page (step 1509) and returns to steps 311 and 331 shown in FIG. 3. FIG. 16 is a view showing the main page of the web site according to one embodiment ofthe present invention.

AS shown in FIG. 16, the main page of the present invention includes a first window 1610 for displaying price-earnings rates of high-ranked fund mangers in the fund price-earnings rate game, a second window 1620 for displaying 'price-earnings rates of high-ranked members in the individual price-earnings rate game, a third window 1630 for displaying a new list registered in the notice board, and a fourth window 1640 having the chatting room entrance button. If a member clicks a name of an individual investor or a fund manager displayed in the main page, trading details of the individual investor or the fund manager are displayed in the web page. In addition, when the member clicks the third window 1620, the notice board is displayed in the web page. When the member clicks the chatting room entrance button, the chatting window for scrolling conversation and the input window for inputting the word or sentence are displayed in the web page.

Industrial Applicability

As can be seen from the foregoing, according to the present invention, since the members can invest money by dividing their investment money into insurance money, prize money and designation money, apportionment of a loss is possible, so the members can stably invest their money. In addition, since high-ranked members can receive prize money, the present invention can raise desire for the stock investment. Furthermore, the fund managers can trade stock with initial investment money and designation money, the fund managers can make profit more than before. Since the members can select an individual investor or a verified fund manager having superior ability for the stock investment, the members can stably make a profit through an indirect investment. In addition, since the members participate in the game with their security accounts, it is not required to establish new accounts for the game.

Furthermore, there is not required to simultaneously carry out a real investment and a virtual investment. In addition, since the members participate in a real stock investment game, the members may concentrate in the stock investment game. Thus, the present invention may create investors having superior ability for the stock investment and distribute more profits to the investors.

While this invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiment and the drawings, but, on the contrary, it is intended to cover various modifications and variations within the spirit and scope ofthe appended claims.

Claims

1. A method for providing a stock investment game in a web server device including a first processing module for processing a game application of members, a second processing module for processing an individual price-earnings rate game, a third processing module for processing an on-line banking, and a plurality of databases, the method comprising the steps of: i) displaying cyber money of a member deposited in a cyber account of the member in a web page by using the first processing module when the member sends a game participating signal, withdrawing first and second money from cyber money upon receiving a money withdrawing signal from the member, and registering first and second money to a game participator database; ii) registering information of game participators to the game participator database, storing trading data of the registered game participators to a security account database by using the second processing module while a price-earnings rate game is being carried out, and displaying price-earnings rates of the game participators in the web page by calculating price-earnings rates of the game participators for a predetermined time period based on the trading data stored in the security account database; iii) displaying final price-earnings rates of the game participators based on the trading data stored in the security account database by using the second processing module when the price-earning rate game is finished, preparing data including information of high ranked game participators and members having a loss exceeding a predetermined rate based on the final price-earnings rates ofthe game participators, and storing the data in a profit receiver database; iv) calculating total prize money by adding up first money of members, who participate in the game, determining prize money to be paid for high-ranked game participators by distributing total prize money based on a predetermined rule, and making and storing data including information of prize money to be paid for the high- ranked game participators; v) calculating total insurance money by adding up second money of members, R2003/002056

38

who participate in the game, determining insurance money to be paid for members having a loss by distributing total insurance money based on a predetermined rule, and making and storing data including information of insurance money to be paid for the members having the loss; and vi) notifying an amount of money to be paid for the high-ranked game participators and members having the loss, and transferring money from a bank account of a web site managing the web server to bank accounts of the members when the members request for a payment of money.

2. The method as claimed in claim 1, wherein step iv) includes the sub- steps of: a) reading out information of high-ranked game participators from a profit receiver database and calculating total prize money by adding up first money paid by the high-ranked game participators; b) calculating prize money distributed to the high-ranked game participators by dividing total prize money according to a proportion of first money of each high-ranked game participator; c) checking whether or not the high-ranked game participators have received insurance money before by searching for a member management database; d) checking whether or not the high-ranked game participators have received prize money after receiving insurance money in a case that the high-ranked game participators have received insurance money before; e) selecting a highest proportion of insurance money, which has been paid for the high-ranked game participators before, if the high-ranked game participators have not received prize money even though they receive insurance money before, determining prize money for the game participator by subtracting money corresponding to a highest proportion of insurance money from calculated prize money, and saving remaining money as insurance money for a next game; f) checking whether or not calculated prize money exceeds a predetermined multiple of initial investment money of the high-ranked game participators if the high- ranked game participators have not received insurance money before, or if the high- ranked game participators have not received prize money even though they receive insurance money before; g) storing a part of calculated prize money as a reserve, and determining and storing prize money to be paid for the high-ranked game participators by subtracting the reserve from calculated prize money, if calculated prize money is less than the predetermined multiple of initial investment money of the high-ranked game participators; and h) storing an amount of money exceeding the predetermined multiple of initial investment money as prize money for the next game, saving a part of calculated prize money as the reserve, and determining and storing prize money to be paid for the high- ranked game participators by subtracting the reserve from calculated prize money, if calculated prize money exceeds the predetermined multiple of initial investment money ofthe high-ranked game participators.

3. The method as claimed in claim 1, wherein step v) includes the sub- steps of: a) reading out information of members having a loss from a profit receiver database and calculating total insurance money by adding up second money paid by the members having the loss; b) calculating and storing insurance money for the members having the loss by distributing total insurance money according to a proportion of second money paid by the members having the loss; c) displaying an insurance money receiving message in the web page; d) checking whether or not insurance money exceeds a predetermined proportion ofthe loss when a member accepts an insurance money receipt; e) determining and storing the predetermine proportion of the loss as insurance money if insurance money exceeds the predetermined portion of the loss and saving remaining insurance money as insurance money for the next game; and f) saving insurance money for the member as insurance for the next game if the member rejects the receipt of insurance money.

4. The method as claimed in claim 1, wherein step vi) includes the sub- steps of: a) notifying an amount of money to be paid to the high-ranked game participators and members having the loss through E-mail; b) displaying an amount of actual money in the web page by converting cyber money into actual money when a member requests a payment of money; and c) transferring actual money from the bank account of the web site managing the web server to a bank account of the member when the member request for a payment of money.

5. The method as claimed in claim 1, wherein the game participators participate in a stock market with using security accounts^' ofthe game participators,' and^' trading data are provided from a security company server to the web server according to a request ofthe web server.

6. A method for providing a stock investment game in a web server device including a first processing module for processing a game application of members, a second processing module for processing a manager selection game, a third processing module for processing a fund price-earnings rate game, a fourth processing module for processing an on-line banking, and a plurality of databases, the method comprising the steps of: i) displaying cyber money of a member deposited in a cyber account of the member in a web page by using the first processing module when the member sends a game participating signal, withdrawing game participating money from cyber money of the member upon receiving a money withdrawing signal from the member, and participating money to a game participator database; ii) registering information of game participators to the game participator database, storing trading data of members selected based on a predetermined rule to a security account database by using the second processing module while the manager selection game is being carried out, and displaying price-earnings rates of the game participators in the web page by calculating price-earnings rates of the game participators for a predetermined time period based on the trading data stored in the security account database; iii) calculating final price-earnings rates of the game participators based on the trading data stored in the security account database by using .the second processing module when the manager selection game is finished, selecting high-ranked game participators as managers based on the final price-earnings rates of the game participators, and making and storing data including information ofthe managers; iv) determining the managers and permanent fund managers as fund managers participating in the fund price-earnings rate game, and making and storing data including information ofthe fund managers; v) converting investment money paid by the fund' managers through a predetermine payment system into cyber money by using the third processing module, and storing cyber money; vi) allotting game participating money of members registered in the game participator database to at least one fund manager based on a request of the members, converting cyber money including game participating money of members and investment money of each fund manager into actual money, and transferring actual money from a bank account of a web site managing the web server to a security account of each fund manager; vii) storing trading data of the fund managers in the security account database while the fund price-earnings rate is being carried out, and displaying price-earnings rates of the fund managers for a predetermined time period in the web page by calculating the price-earnings rates of the fund managers based on the trading data stored in the security account database; viii) stopping activity of a fund manager if the fund manager creates a minus price-earnings rate exceeding a predetermined reference rate, and calculating and storing money to be paid for the members and the fund manager by distributing remaining investment money according to a proportion of investment money of the members and the fund manager; ix) calculating and storing money to be paid for the fund managers and the members, who designate the fund managers, by distributing investment money and earnings based on the proportion ofthe investment money ofthe fund managers and the members when the fund price-earnings rate game is finished; and x) notifying an amount of money to be paid for the fund managers and members, who designate the fund managers, and transferring money from a bank account of a web site managing the web server to bank accounts of the members and fund managers when the members and fund managers request for a payment of money.

7. The method as claimed in claim 6, further comprising the steps of: xi) displaying a betting game message in the web page for a predetermined time period by using the second processing module after the fund managers are selected; xii) storing betting money of the members, who participate in a betting game, and fund managers selected by the members in a database; xiii) checking whether or not the fund price-earnings rate game is finished; xiv) reading out information of members, who bet money to a fund manager achieving a highest price-earnings rate, from the data base when the fund price-earnings rate game is finished; and xv) calculating a dividend based on betting money of the members and depositing the dividend in cyber accounts ofthe members.

8. The method as claimed in claim 6, wherein step vi) includes the sub- steps of: a) displaying a designation money distribution message in the web page for a predetermined time period; b) displaying game participating money of a member when a designation money distribution signal is inputted from the member, and allotting game participating money ofthe member to fund managers designated by the member; c) calculating total designation money allotted to each fund manager when the predetermined time period is expired, and checking whether or not total designation money exceeds a predetermined multiple of initial investment money of the fund manager; d) storing total designation money as designation money ofthe fund manager if total designation money is less than the predetermined multiple of initial investment money of the fund manager, and storing designation money of the fund manager after allotting excess money to other fund managers if total designation money exceeds the predetermined multiple of initial investment money ofthe fund manager; e) notifying an amount of designation money to each fund manager after storing designation money of each fund manager; f) converting cyber money including designation money and initial investment money into actual money when a fund manager accepts designation money of the members and transferring actual money into a security account of the fund manager from the bank account ofthe web site; g) checking an amount of designation money if a fund manager rejects designation money; h) displaying a warning message in the web page if the amount of designation money rejected by the fund manager exceeds a predetermined proportion, and depositing rejected designation money to cyber accounts of members if the amount of designation money rejected by the fund manager is less than the predetermined proportion; and i) converting cyber money including remaining designation money and initial investment money into actual money and transferring actual money from the bank account ofthe web site to the security account ofthe fund manager.

9. The method as claimed in claim 6, wherein step ix) includes the sub- steps of: a) selecting fund managers, who achieve final price-earnings rates exceeding a predetermined value; b) calculating prize money to be paid for each fund manager by distributing predetermined prize money according to price-earnings rages of the selected fund managers; c) checking whether or not calculated prize money exceeds a predetermined multiple of initial investment money ofthe selected fund managers; d) saving excess prize money as prize money for the next game if calculated prize money exceeds the predetermined multiple of initial investment money of the selected fund managers, and determining money corresponding to the predetermined multiple of initial investment money as primary prize money; e) determining prize money to be paid for the fund managers by taking out a predetermined proportion of primary prize money and saving remaining money as prize money for the next game; f) distributing a part of earnings to corresponding fund managers, and calculating and storing money to be paid for the fund managers and the members, who designate the fund managers, by distributing remaining earnings and investment money according to a proportion of investment money of the members and fund managers; g) primarily distributing a part of earnings to fund managers achieving final price-earnings rates less than the predetermined value, and calculating and storing money to be paid for the fund managers and the members, who designate the fund managers, by distributing remaining earnings and investment money according to a proportion of investment money ofthe members and fund managers; h) discriminating permanent fund managers and fund managers achieving a predetermined final price-earning rate from fund managers participating in the fund price-earnings rate game; i) checking whether or not there are permanent fund managers having accumulated minus price-earnings rates exceeding a predetermined value and depriving qualification of the permanent fund manager if a permanent fund manager has an accumulated minus price-earnings rate exceeding the predetermined value; and j) checking whether or not the fund managers achieving the predetermined final price-earning rate achieve the predetermined final price-earning rate in series for a predetermined number of times, determining the fund managers as permanent fund managers if the fund managers achieve the predetermined final price-earning rate in series for a predetermined number of times, and providing qualification for participating in the manager selection game if the fund managers do not achieve the predetermined final price-earning rate in series for a predetermined number of times.

10. The method as claimed in claim 6, wherein the members selected based on the predetermined rule include members having a career of winning a prize, and members receiving a plurality of recommendations in a notice board.

11. The method as claimed in claim 6, wherein the members participating in the manager selection game carry out a stock trading by using their own security accounts, the members participating the fund price-earnings rate game carry out the stock trading by using security accounts provided by the web server, and trading data of the members are provided from a security company server to the web server when the web server requests trading data to the security company server.

12. A method for providing a stock investment game in a web server device including a first processing module for processing a game application of members, a second processing module for processing an individual price-earnings rate game, a third processing module for processing a fund price-earnings rate game, a fourth module for processing an on-line banking, a fifth module for processing a betting game, and a plurality of databases, the method comprising the steps of: i) registering first, second and third money to a game participator database by withdrawing first to third money from cyber money of a member deposited in a cyber account of the member by using the first processing module when the member sends a signal to the web server; ii) storing trading data of the game participators registered in a game participator database to a security account database by using the second processing module while a price-earnings rate game is being carried out, and displaying price- earnings rates of the game participators in the web page by calculating price-earnings rates ofthe game participators for a predetermined time period based on the trading data stored in the security account database; iii) calculating final price-earnings rates of the game participators based on the trading data stored in the security account database when the individual price-earnings rate game is finished, preparing data including information about high-ranked game participators and members having a loss based on the final price-earnings rates, and storing the data in a profit receiver database; iv) calculating total prize money by adding up first money of members, who participate in the game, and calculating and storing prize money to be paid for the high- ranked game participators by distributing total prize money according to a proportion of first money of the high-ranked participators; v) calculating total insurance money by adding up second money of members, who participate in the game, and calculating and storing insurance money to be paid for the members having a loss by distributing total insurance money based on a proportion of second money ofthe members having the loss; vi) determining members selected through a predetermined game and members having qualification of permanent fund managers based on a predetermined rule as fund managers participating in the fund price-earnings rate game; vii) depositing third money to at least one fund manager based on a request of the members registered in the game participator database by dividing third money; viii) converting designation money deposited to each fund manager into actual money and transferring actual money to a security account of each fund manager from a bank account of a web site managing the web server, thereby increasing investment money of each fund manager; ix) storing trading data of each fund manager in the security account database by using the third processing module and displaying price-earnings rates of the fund managers by calculating the price-earnings rates for a predetermined time period based on the trading data stored in the security account database; x) stopping activity of a fund manager if the fund manager creates a minus price-earnings rate exceeding a predetermined reference rate, and calculating and storing money to be paid for the members and the fund manager by distributing remaining investment money ofthe security account ofthe fund manager according to a proportion of investment money ofthe members and the fund manager; xi) calculating and. storing money to be paid for the fund managers and the members, who designate the fund managers, by distributing investment money and earnings based on the proportion ofthe investment money ofthe fund managers and the members when the fund price-earnings rate game is finished; and xii) notifying an amount of money to be paid for the fund managers and members, who designate the fund managers, by using the fourth processing module and transferring money from the bank account of the web site managing the web server to bank accounts of the members and fund managers when the members and fund managers request for payment of money.

13. The method as claimed in claim 12, further comprising the steps of: xiii) discriminating permanent fund managers and fund managers achieving a predetermined final price-earning rate from fund managers participating in the fund price-earnings rate game; xiv) checking whether or not there are permanent fund managers having accumulated minus price-earnings rates exceeding a predetermined value and depriving qualification of the permanent fund manager if a permanent fund manager has an accumulated minus price-earnings rate exceeding the predetermined value; and xv) checking whether or not the fund managers achieving the predetermined final price-earning rate achieve the predetermined final price-earning rate in series for a predetermined number of times, determining the fund managers as permanent fund managers if the fund managers achieve the predetermined final price-earning rate in series for a predetermined number of times, and providing qualification for participating in the manager selection game if the fund managers do not achieve the predetermined final price-earning rate in series for a predetermined number of times.

14. The method as claimed in claim 12, further comprising the steps of: xiii) displaying a betting game message in the web page for a predetermined time period by using the fifth processing module after the fund managers are selected; xii) storing betting money of the members, who participate in a betting game, and fund managers selected by the members in a database; xiii) checking whether or not the fund price-earnings rate game is finished; xiv) reading out information of members, who bet money to a fund manager achieving a highest price-earnings rate, from the data base when the fund price-earnings rate game is finished; and xv) calculating a dividend based on betting money of the members and depositing the dividend in cyber accounts ofthe members.

15. The method as claimed in claim 1, further comprising the steps of: vii) displaying a betting game message in the web page for a predetermined time period by using a betting game processing module before a price-earnings rate game is initiated; viii) storing betting money of the -members, who participate in a betting game, and game participators selected by the members in a database; ix) checking whether or not the price-earnings rate game is finished; x) reading out information of members, who bet money to a game participator achieving a highest price-earnings rate, from the data base when the price-earnings rate game is finished; and xi) calculating a dividend based on betting money of the members and depositing the dividend in cyber accounts ofthe members.

16. The method as claimed in claim 6, further comprising the steps of: xi) displaying a betting game message in the web page for a predetermined time period by using a betting game processing module before the manager selection game is initiated; xii) storing betting money of the members, who participate in a betting game, and game participators selected by the members in a database; xiii) checking whether or not the manager selection game is finished; xiv) reading out information of members, who bet money to a game participator achieving a highest price-earnings rate, from the data base when the manager selection game is finished; and xv) calculating a dividend based on betting money of the members and depositing the dividend in cyber accounts ofthe members.