KR20010111691A - The method for management and mileage reserve system to advertisement audition by using ATM service and internet banking - Google Patents

Abstract

The present invention provides various kinds of advertisements to ATM users through a computer communication network, and incentivizes banks by sharing cash on the web server in exchange for watching the advertisements, thereby accelerating the business sharing function of the bank and providing financials to the users. The present invention relates to a commission earning system and an operation method thereof in accordance with advertisement viewing when using Internet banking and ATM services to reduce the transaction fee burden.

To this end, the present invention, if the credit card is inserted for a financial transaction, the web server to drive the advertising DB to select the type of advertising according to the user's taste; Waiting for a password to be entered by the user for the selected advertisement display; Displaying a video advertisement by driving an advertisement DB of a web server during a waiting time until a financial transaction is completed when a password is input by a user; When the financial transaction is completed, earning cash in exchange for watching an advertisement in a user account on the web server through a reserve management DB for each member of the web server; And providing an incentive to the user by driving the service DB of the web server based on the accumulated cash.

Description

Fee earning system according to advertisement viewing when using Internet banking and ATM service and its operation method {The method for management and mileage reserve system to advertisement audition by using ATM service and internet banking}

The present invention relates to a fee earning system according to advertisement viewing when using Internet banking and ATM service, and a method of operating the same. Specifically, a user during a standby state through a computer communication network during a financial transaction through the Internet and a financial transaction via ATM. The present invention relates to a commission earning system and an operation method of viewing advertisements when using Internet banking and ATM services, which enable low-cost advertisements to advertisers and give incentives to users by providing a kind of advertisements.

More specifically, during a financial transaction via an Internet web site, the computer user provides various kinds of advertisements while waiting for access to the financial institution selected for the financial transaction, and the computer user receives the advertisement in exchange for watching the advertisement. The present invention relates to a fee accumulation system and an operation method of watching advertisements when using an Internet banking service, which accelerates a business sharing function of a bank by granting incentives and reduces a fee burden on a financial transaction.

In addition, by providing a kind of advertisement to the user through the computer communication network during the waiting state for the conclusion of the transaction during the financial transaction through the automated terminal (ATM), and by incentivizing the user in exchange for watching the advertisement, The present invention relates to a commission earning system and an operation method for viewing advertisements when using an ATM service that accelerates a work sharing function and reduces a user's fee burden in a financial transaction.

Since the automated terminal (ATM) for conventional financial services is configured to operate by an application supported by a specific financial institution, they are all configured to trade only financial products supported by their own financial institution.

In addition, when a specific financial institution (bank) uses a business partnership with a second financial institution, it does not create its own transaction with the second financial institution but also uses a method of making a transaction dependent on the bank transaction. Therefore, problems such as the use of financial products used by banks or the unreasonable fee payment system unilaterally established by banks are emerging from the perspective of the second financial institution.

In order to solve this problem, a network of automation terminals used for financial on-line transactions is established through a common communication network of financial institutions, and each application is equipped with an application that can control the automation terminal based on the host computer of each financial institution. Different financial institutions have emerged to support financial services independently according to their own product and trading rules.

However, this method did not free users from the unreasonable profits of banks, such as the bank's own banking charges, cash withdrawal after the bank's termination, and the bank's own bank charges at the time of account transfer.

Accordingly, the present invention has been made to solve the above-described problems, and provides an advertisement to the user through a computer communication network during a financial transaction through an Internet web site and a financial transaction using an ATM, and at the cost of viewing the advertisement. The purpose of the present invention is to provide a commission earning system and an operation method for viewing advertisements when using Internet banking and ATM services, which induce users to reduce the burden of fees in financial transactions.

Another object of the present invention is to provide advertisers with one-to-one target marketing by providing various types of video advertisements to computer users while waiting for access to a financial institution selected for financial transactions during a financial transaction through an Internet web site. It is an object of the present invention to provide a commission earning system and an operation method for viewing an advertisement when using an Internet banking service, which can expect an excellent advertisement effect.

Another object of the present invention is to continue advertising by displaying a banner advertisement until the end of the financial transaction with the selected financial institution stops the display of the video advertisement when the connection is made with the financial institution selected by the computer user through the Internet Web site The purpose of the present invention is to provide a commission earning system and an operation method for viewing advertisements when using the Internet banking service.

Another object of the present invention is to provide a user with an advantageous kind of advertisement through a computer network during a financial transaction through an automated terminal (ATM), while waiting for a transaction to be concluded, and incentivize the user in exchange for watching the advertisement. It is an object of the present invention to provide a commission earning system and an operation method for viewing an advertisement when using an ATM service.

Another object of the present invention is to provide an advertisement that is suitable for the user's taste by selecting the advertisement according to the user's age, region, gender, and time zone during the financial transaction through the Internet website and the financial transaction using the ATM. The purpose of the present invention is to provide a commission earning system and an operation method for viewing advertisements when using Internet banking and ATM services that can be advertised only to those who need them.

In addition, the present invention accelerates the business sharing function of the bank through the financial transactions through the Internet Web site and the ATM, and when using the Internet banking and ATM services to be able to have a great competitiveness in the competition of fees between the banks The purpose of the present invention is to provide a commission earning system and a method of operating the same.

1 is a schematic diagram showing a commission earning system and its operation method according to the advertisement viewing when using the Internet banking and ATM services according to the present invention.

2 is an overall system configuration used in the commission earning system according to the advertisement viewing when using the Internet banking service as a first embodiment of the present invention.

3 to 4 are flowcharts for explaining the concept of a commission earning system and its operation method according to advertisement viewing when using the Internet banking service as a first embodiment according to the present invention.

5 is an overall system configuration used in the fee earning system according to the advertisement viewing when using the ATM service as a second embodiment of the present invention.

6 to 7 are flowcharts for explaining the concept of a commission earning system and its operation method according to the advertisement viewing when using the ATM service as a second embodiment according to the present invention.

Fig. 8 is a database structure diagram using SQL as a data manipulation language in the present invention with reference to Figs. 2 and 5;

9 is a detailed explanatory diagram showing a process of accumulating fees compatible on / offline according to advertisement viewing when using Internet banking and ATM services according to the first and second embodiments of the present invention.

<Description of Symbols of Major Parts of Drawings>

1: user system 2: computer communication network

3: web server 3a: system control program

3b: Database 3b-1: Member DB

3b-2: DB management by member DB 3b-3: DB advertising

3b-4: Service DB 4: Financial Institution System (ATM)

In order to achieve the above object, the operating method of the fee accumulation system according to the advertisement viewing when using the Internet banking service of the present invention transmits user personal information input for financial transaction with a financial institution to a member DB of a web server to provide a user's personal information. Authenticating the information; If the user personal information is authenticated from the member DB, selecting one of a plurality of financial institutions for a financial transaction; Displaying a video advertisement by driving an advertisement DB of a web server during a connection waiting time with a selected financial institution; Stopping the display of the video advertisement when the connection with the selected financial institution is made and executing a financial transaction desired by the user through a computer communication network; When the financial transaction is completed, the step of earning cash in exchange for watching the advertisement in the user account on the web server through the member-specific reserve management DB of the web server; And providing an incentive to the computer user by running the service DB of the web server based on the accumulated cash.

In addition, the operating method of the fee earning system according to the advertisement watching when using the ATM service of the present invention, if the credit card is inserted for financial transactions, the web server to run the advertising DB to select the type of advertising according to the user's taste Wow; Waiting for a password to be entered by the user for the selected advertisement display; Displaying a video advertisement by driving an advertisement DB of a web server during a waiting time until a financial transaction is completed when a password is input by a user; When the financial transaction is completed, earning cash in exchange for watching an advertisement in a user account on the web server through a reserve management DB for each member of the web server; And providing an incentive to the user by driving the service DB of the web server based on the accumulated cash.

In addition, the step of granting incentives to the user in the commission earning system and the operation method according to the advertisement watching when using the Internet banking and ATM services of the present invention, earned in the member's reserve management DB in exchange for the advertisement during the financial transaction When the bank transaction fee is generated when the amount is less than a predetermined amount, the web server starts a fee reduction DB of the service DB and compares the bank transaction fee with the amount accumulated in the user account of the member's cash accumulation DB; Paying a transaction fee in the user's bank account if the bank transaction fee is equal to or greater than the amount accumulated in the member-specific reserve management DB; If the bank transaction fee is less than the amount accumulated in each member's cash accumulation DB, the commission fee reduction DB of the service DB is characterized in that it comprises the step of paying the transaction fee.

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

1 is a schematic diagram illustrating the concept of a commission earning system and its operation method according to advertisement viewing when using the Internet banking service according to the present invention.

First, the computer user 1 accesses the web server 3 via a computer communication network, selects 112 financial institutions 4a to 4z; 4 which he wishes to trade, and then makes a connection with the selected financial institution. The advertisement selected by the user is transmitted as a video voice advertisement (114).

According to the selection of the user 1, the web server 3 attempts to connect to the financial institution selected by the user (113). When the connection 115 to the financial institution selected by the user is established, the web server 3 displays a video. End the advertisement display and display the banner advertisement.

In this case, the banner advertisement continuously displays the banner advertisement from the time when the user is connected to the financial institution selected by the user to the time when the financial transaction is concluded with the selected financial institution, and terminates the display of the banner advertisement when the financial transaction with the selected financial institution is concluded.

Subsequently, in order to perform a financial transaction service with the financial institution selected by the user, the user selects a desired transaction (transfer transfer, balance inquiry, etc.) and the transaction history (withdrawal account number, withdrawal account password, transfer amount, deposit financial institution name, deposit) Account number) to enter 116 to enter into a financial transaction (117).

When the transaction is concluded 117, the web server 3 grants 118 a predetermined incentive to the computer user 1 in exchange for watching the advertisement.

2 is an overall system configuration diagram used in a fee earning system according to advertisement viewing when using an Internet banking service as a first embodiment of the present invention.

A user (1) who wants to use an advertising service and an internet web site that enables incentives through financial transactions of the present invention should have a computer, a monitor, a modem, a telephone line, and a corresponding program for computer communication. Similarly, these components are required when a network is configured between terminals.

When the computer users 1 want the Internet service of the present invention, the user 1 connects the user computer to the web server 3 via the Internet 2 and joins the member DB 3b-1. After receiving the approval, the Internet service of the present invention is provided.

The web server 3 of the present invention has a function of transmitting data desired by a user to a user browser through an Internet protocol.

SQL (Structured Query Language) is used as the definition language for the database (DB) 3b constituting the web server 3, and the system control program 3a is provided with an ASP (Active Server Page) program unit. do. The ASP (Active Server Page) program unit 3a holds information that makes it possible to earn cash and provide services to users in exchange for sending video advertisements and watching advertisements during financial transactions through the computer communication network 2. It manages and controls the database 3b, and enables data transmission to a user browser on the Internet. In this case, it is possible to implement in a language such as PHP, Java Server Page (JSP) instead of the ASP program unit.

3 to 4 are flowcharts for explaining a concept of a fee earning system and an operation method according to advertisement viewing when using an internet banking service as a first embodiment according to the present invention.

First, it is determined whether the computer communication user 1 accesses the Internet web site 3 for the Internet service of the present invention. The user 1 is typically a computer communication (for example, Cheonian) operated by a domestic computer communication company. , Heytel, Naunuri or Unitel, etc.) or the Internet. Therefore, in order to access the web site (or home page) of the Internet, the user 1 must be connected to the Internet through domestic computer communication or directly to the Internet to connect to the corresponding Internet address.

All of these things can be recognized and controlled through the monitor screen, not only through a computer, but also through a modem (or ISDN or dedicated line) that sends and receives data.

When the user's computer terminal 1 is connected (S1) with the web server 3 of the present invention on the Internet via computer communication (2), the user sees the initial main menu screen displayed through the screen of the monitor. Can be.

When accessing the web site of the present invention (S1) using Internet Explorer or Netscape, a login process (S4) is performed from the main screen. If you are a member (S2) is to log in immediately go through the confirmation process to enter the member-only corner. If the member is not registered, the user registers (S3) and goes through the storage process to enter the member-only corner.

After that, the computer user 1 who has become a member again undergoes a second authentication process S5 from the member DB 3b-1 of the web server 3 again.

In this case, the second authentication service may be authenticated from an affiliate authentication service company affiliated with each financial institution selected by the user. That is, a method of authenticating user personal information from an affiliate authentication service company may be used by transmitting user personal information to be authenticated to a database of an affiliate authentication service company affiliated with each financial institution. Therefore, it will be appreciated by those skilled in the art that the authentication service method can be variously implemented and can be changed as many as possible without departing from the technical scope of the present invention.

The computer user 1 who has undergone the authentication service step (S5) selects a bank (4) that he / she wants to trade in (S6) and then displays a video advertisement until a connection with the selected bank (4) is made (S7).

That is, when the user selects the trading bank (S6), the advertisement DB (3b-3) is driven by the media player (S8), and the regional advertisement DB, the age-specific advertisement DB, the gender advertisement DB, the time-based advertisement DB, etc. From the selection of the advertisement according to the taste of the user 1 from the display to the user as a video voice advertisement (S10 ~ S11).

Thereafter, when the computer user 1 is connected to the selected bank (S13), the advertisement display is terminated (S12) and the banner advertisement is displayed (S14), and the user selects a desired transaction (S13). S16). If the user selects a transaction transfer, the web server 3 inputs a withdrawal account number, a withdrawal account password, a transfer amount, a deposit financial institution name, and a deposit account number. A financial transaction is executed by inputting (S17).

In this case, the banner advertisement is continuously displayed from the time point at which the user bank selected by the user is connected to the time the financial transaction with the selected bank is concluded, and the display of the banner advertisement is terminated when the financial transaction with the selected bank is concluded (S14 to S15).

Subsequently, when the financial transaction with the bank is concluded, the web server 3 accumulates cash in exchange for watching the advertisement in the user account on the web server through the member-specific reserve management DB 3b-2 (S18).

The web server 3 provides an incentive to the computer user 1 by running the service DB 3b-4 of the web server 3 based on the cash accumulated in the member-specific reserve management DB 3b-2 ( S19-S22).

In more detail, the computer user 1 is provided with cash in exchange for watching advertisements in financial transactions and incentives based thereon.

First, when the amount accumulated in the member-specific reserve management DB (3b-2) is less than a predetermined amount (for example, 10,000 won), the web server 3 automatically drives the fee reduction DB.

If a bank transaction fee to be paid by a user occurs during a financial transaction, the web server (3) automatically runs a fee reduction DB of the service DB (3b-4) to manage the bank transaction fee and the member's reserve management DB (3b-2). Compare the amount accumulated in the user account of the (S19).

If the bank transaction fee is more than the amount accumulated in the member's reserve management DB (3b-2), the transaction fee is paid from the user's bank account (S20), and the bank transaction fee is accumulated in the member's reserve management DB (3b-2). If the amount is less than the amount paid for the transaction fee through the service DB (3b-4) fee reduction DB and then reduce the amount by the amount of the reserve management DB for each member (S21 ~ S22).

On the other hand, if the amount accumulated in the member's reserve management DB (3b-2) is more than a certain amount (for example, 10,000 won) in exchange for the advertisement during the financial transaction, the service DB (3b-) the user wants separately. 4) to select a fee reduction DB, additional service DB, cashback DB or re-tagged DB.

When the user selects a fee reduction DB, the bank transaction fee is paid to the user based on the user's reserves from the member's reserve management DB (3b-2) of the web server (3), and the user selects the additional service DB. Similarly, they pay for Internet usage fees, various utilities, and subscription fees for periodicals.

In addition, when the user 1 selects the cash return DB from the service DB 3b-4 of the web server, the cash is deposited into the user's bank account in a set amount unit (for example, 10,000 won unit).

In addition, when the user 1 selects the retag DB from the service DB 3b-4 of the web server, the user 1 is responsible for retaking the accumulated amount of the user, such as providing a stock information service to the user or determining stock investment.

Accordingly, the present invention operates the advertisement DB 3b-3 of the web server 3 during the waiting time for the computer user 1 to connect with the financial institution 4 selected through the computer communication network 2, thereby providing a video advertisement. Display and display banner ads until the end of the financial transaction with the selected financial institution when the user is connected to the financial institution of their choice, allowing advertisers the opportunity to deliver cost-effective advertising. And various incentives for the user in exchange for watching the advertisement.

FIG. 5 is a diagram illustrating the overall system configuration used in a fee earning system according to advertisement viewing when using an ATM service as a second embodiment of the present invention.

In the second embodiment, a method of controlling an ATM terminal through a computer communication network while using the web server system used in the first embodiment is described as an example.

SQL (Structured Query Language) is used as the definition language for the database (DB) 3b constituting the web server 3, and the system control program 3a is provided with an ASP (Active Server Page) program unit. do. The ASP (Active Server Page) program unit 3a holds information that makes it possible to earn cash and provide services to users in exchange for sending video advertisements and watching advertisements during financial transactions through the computer communication network 2. It manages and controls the database 3b, and enables data transmission to a user browser on the Internet. In this case, it is possible to implement in a language such as PHP, Java Server Page (JSP) instead of the ASP program unit.

The web server 3 obtains the user's personal information from the card inserted into the ATM terminal through the computer communication network 2 and selects the advertisement DB 3b-3 according to the user's taste based on the computer communication network 2 Through the ATM terminal of each bank (5a ~ 5z) to provide a video ads that match the user's taste.

The web server 3 accumulates cash in the user's member's reserve management DB (3b-2) in exchange for watching the advertisement, and the service DB (3b) based on the amount accumulated in the user's reserve DB (3b-2). -4) to give users incentives such as paying bank transaction fees instead.

6 to 7 are flowcharts illustrating a concept of a fee earning system and an operation method according to advertisement viewing when using an ATM service as a second embodiment according to the present invention.

If the user wants a financial transaction, the user inserts the card into the ATM terminals 5a to 5z on the offline device (S100).

When the card is inserted from the user, the user's personal information is transmitted to the web server 3 through a computer communication network (Internet, VAN network; 2), and the web server 3, which recognizes this, is advertised by a media player (Media Player). (3b-3) is driven (S101).

Thereafter, the web server 3 selects the advertisement DB 3b-3 classified by region, gender, age, time zone, etc. based on the transmitted personal information of the user, and inputs the user's password offline. Until entering the standby state without displaying the selected advertisement (S102 ~ S103).

On the other hand, when the user selects a menu on-line, sets an amount, and inputs a password (S104 to S106), the web server 3 that detects it through the computer communication network 2 includes an advertisement DB for each region and an advertisement DB for each age. The advertisement selected according to the user's taste is displayed as a video voice advertisement from the gender advertisement DB, the time slot advertisement DB, etc. (S108 ˜ S109).

At this time, the video and voice advertisement provided from the web server 3 to the user's ATM terminal through the computer communication network is provided to the user during the waiting state for the financial transaction on the ATM terminals 5a to 5z (S107).

Thereafter, when the financial transaction is concluded on the ATM terminals 5a to 5z of the bank, the web server 3 ends the display of the advertisement (S110) and the user account on the web server through the member reserve management DB 3b-2. Earn cash in return for watching the advertisement (S111).

The web server 3 provides an incentive to the ATM user by driving the service DB 3b-4 of the web server 3 based on the cash accumulated in the member-specific reserve management DB 3b-2 (S112 to S115). ).

In more detail, how ATMs can be cashed in exchange for watching advertisements in financial transactions and given incentives are as follows.

First, when the amount accumulated in the member-specific reserve management DB (3b-2) is less than a predetermined amount (for example, 10,000 won), the web server 3 automatically drives the fee reduction DB.

When a bank transaction fee occurs during a financial transaction, the web server 3 automatically runs a fee reduction DB of the service DB 3b-4 to the user account of the bank transaction fee and the reserve management DB for each member (3b-2). Compare the accumulated amount (S112).

If the bank transaction fee is more than the amount accumulated in the member-specific reserve management DB (3b-2), the transaction fee is paid from the user's bank account (S113), and the bank transaction fee is accumulated in the member-specific reserve management DB (3b-2). If the amount is less than the amount paid for the transaction fee through the service DB (3b-4) fee reduction DB and then reduce the amount by the amount of the reserve management DB (3b-2) by the payment amount (S114 ~ S115).

Thereafter, after the bank transaction service is terminated, the payment statement is displayed or printed and then returned to the main screen (S116 to S118).

On the other hand, if the amount accumulated in the member's reserve management DB (3b-2) is more than a certain amount (for example, 10,000 won) in exchange for the advertisement during the financial transaction, the service DB (3b-) the user wants separately. 4) to select a fee reduction DB, additional service DB, cash reduction DB or re-tagged DB.

If the ATM user selects the fee reduction DB, the bank transaction fee of the user is paid based on the user's reserves retrieved from the member's reserve management DB (3b-2) of the web server (3), and the user provides the additional service DB. Similarly, if you choose, you will be paid for Internet usage, utilities, and subscription fees.

In addition, when the ATM user selects the cash return DB from the service DB (3b-4) of the web server, the cash is deposited into the user's bank account in a set amount unit (for example, 10,000 won).

In addition, when the ATM user selects the re-tagged DB from the service DB (3b-4) of the web server, the ATM user is in charge of re-taking the user's accumulated amount, such as providing securities information service or determining stock investment.

Therefore, in the second embodiment of the present invention, the advertisement DB 3b-3 of the web server 3 is driven through the computer communication network 2 during the standby state for entering the transaction after entering the user's password when using the ATM of the bank. Displaying video ads to users, discontinuing display of video ads when a deal is concluded, gives advertisers the opportunity to run low-cost, efficient ads, and gives users the opportunity to earn cash in exchange for watching ads, Various incentives can be given.

FIG. 8 illustrates a structure of a database 3b using SQL as a data manipulation language of the present invention with reference to FIGS. 2 and 5.

The database unit 3b includes a member DB 3b-1 for authenticating user personal information input for financial transaction with a financial institution; DB (3b-3), which holds video ads classified by region, age, gender, and time zone, and DB for members (3b-), which holds information about the reserves given to members in return for watching the ads. 2) and a database unit (3b) having a service DB (3b-4) for granting incentives to the computer user (1) or the ATM user (5a to 5z) based on the reserves accumulated in the member-specific reserve management DB. It consists of).

At this time, the member DB (3b-1) is provided with a step of the member login and authentication service step only for the user registered as a member by the computer user 1 accesses the member DB (3b-1) of the web server (3) It is configured to go through two authentication processes.

In addition, the advertisement DB (3b-3) that provides a video advertisement is classified into an advertisement DB by region, an advertisement DB by age, a gender advertisement DB, and an advertisement DB by time zone, and then select an advertisement suitable for a user's taste based on user personal information. It is configured to provide.

FIG. 9 is a detailed explanatory diagram showing a process of accumulating fees compatible on / offline according to advertisement viewing when using Internet banking and ATM services according to the first and second embodiments of the present invention.

This will be described with an example in which the accumulated amount is less than a certain amount (for example, 10,000 won).

First, when a user accesses the web site of the present invention online through a computer communication network and then selects a bank through a member login and authentication service, the web server 3 advertises during the connection waiting time with the selected bank 4. The DB 3b-3 is driven to display a video advertisement (10-14). When the connection with the selected bank 4 is established, the display of the banner advertisement is displayed while stopping the display of the video advertisement (15).

If the user selects a transaction transfer, the web server 3 inputs a withdrawal account number, a withdrawal account password, a transfer amount, a deposit financial institution name, and a deposit account number. A financial transaction is executed by input (16).

At this time, the banner advertisement is continuously displayed from the time point at which the user bank selected by the user is connected to the time the financial transaction with the selected bank is concluded, and the display of the banner advertisement is terminated when the financial transaction with the selected bank is concluded.

Subsequently, when a financial transaction is concluded with the bank, the web server 3 accumulates cash in exchange for watching the advertisement in the user account on the web server through the member-specific reserve management DB 3b-2.

If the amount accumulated in the member-specific reserve management DB (3b-2) is a certain amount (for example, 300 won), the web server 3 automatically drives the fee reduction DB.

When a bank transaction fee occurs during a financial transaction, the web server 3 automatically runs a fee reduction DB of the service DB 3b-4 to the user account of the bank transaction fee and the reserve management DB for each member (3b-2). Compare the accumulated amount (18).

If the bank transaction fee (for example, 500 won) is more than the amount (for example, 400 won) accumulated in the member-specific reserve management DB (3b-2), the transaction fee is paid from the user's bank account (19). If the fee is less than the amount accumulated in the member's reserve management DB (3b-2), pay the transaction fee (20) through the fee reduction DB of the service DB (3b-4), and then reduce the amount in the member's reserve management DB by the amount paid. do.

On the other hand, the amount (for example, 400 won) accumulated in the member-specific reserve management DB (3b-2) of the web server 3 is continuously applied even when using the ATM terminal offline.

Once the user wants to make a financial transaction through the ATM terminal while the user reserves 400 won off-line, the user inserts the card into the ATM terminal 5a to 5z on the offline line (S21).

Thereafter, a menu is selected, a password is input, and a video advertisement is provided to an ATM user while waiting for a transaction to be concluded (S22 to S28).

Subsequently, when the financial transaction is concluded at the ATM of the bank, the web server 3 ends the display of the advertisement and accumulates cash in exchange for watching the advertisement in the user account on the web server through the member reserve management DB 3b-2. .

At this time, assuming that the amount accumulated in the user's member's reserve management DB (3b-2) is 100 won in exchange for viewing the advertisement once, 400 won is already earned in the member's reserve management DB (3b-2). As a result, 500 won is accumulated in the user's membership management DB (3b-2).

Accordingly, since the amount accumulated in the member-specific reserve management DB (3b-2) is less than a certain amount (for example, 10,000 won), the web server 3 automatically drives the fee reduction DB.

When a bank transaction fee occurs during a financial transaction, the web server 3 automatically runs a fee reduction DB of the service DB (3b-4) to allow bank transaction fees (for example, 500 won) and a reserve management DB for each member (3b). -2) compare the amount (for example 500 won) accumulated in the user account of (18).

In the application of the present invention, the bank transaction fee (for example, 500 won) is equal to the amount (for example, 500 won) accumulated in the member-specific reserve management DB (3b-2), so the fee of the service DB (3b-4) After paying the transaction fee through the reduction and reduction DB, the amount of the payment (for example, 500 won) is reduced by the member's reserve management DB (20). Therefore, the reserve is reduced to 0 won in the member's reserve management DB of the web server.

If the bank transaction fee is more than the amount accumulated in the member-specific reserve management DB (3b-2), the transaction fee must be paid from the user's bank account, as mentioned above.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the technical spirit of the present invention. Therefore, the technical scope of the present invention is not limited to the contents described in the accompanying drawings and the detailed description of the specification.

As described above, according to the present invention, a low-cost advertisement is provided to an advertiser by providing various kinds of advertisements to a computer user during a financial transaction through an Internet web site, and incentivizing the user in exchange for watching the advertisement by the computer user. At the same time, there is an excellent effect to reduce the burden of fees in financial transactions.

In addition, the present invention provides a variety of advertisements to computer users while waiting for access to the financial institution selected for financial transactions during the financial transactions through the Internet Web site, allowing advertisers one-to-one target marketing, so excellent advertising You can expect the effect.

In addition, the present invention allows the computer user to select the advertising DB necessary for the financial transaction through the Internet web site, the advertiser can see the effect that can be advertised only to the required person at a low cost.

Claims (17)

An internet service method for supporting a financial service to a user through a computer communication network, Transmitting user personal information, which is input for a financial transaction with the financial institution 4, to the member DB 3b-1 of the web server 3 to authenticate the user personal information; If the user (1) personal information is authenticated from the member DB (3b-1), selecting one of a plurality of financial institutions (4) for a financial transaction; Displaying a video advertisement by driving an advertisement DB 3b-3 of the web server 3 during a connection waiting time with a selected financial institution 4; Stopping the display of the video advertisement when the connection with the selected financial institution 4 is made and executing a financial transaction desired by the user through the computer communication network 2; When the financial transaction is completed, earning cash in exchange for watching the advertisement in the user account on the web server through the member-specific reserve management DB (3b-2) of the web server; Fees for viewing advertisements when using the Internet banking service, comprising the step of giving an incentive to the computer user 1 by driving the service DB 3b-4 of the web server 3 based on the accumulated cash. How the Earning System Works. An internet service method for supporting a financial service to a user through a computer communication network, When the card is inserted into the ATM for the financial transaction, the web server 3 drives the advertisement DB 3b-3 to select a type of advertisement suitable for the taste of the ATM user; Waiting for a password to be entered by the ATM user to display the selected advertisement by the web server 3; Displaying a video advertisement by driving the advertisement DB 3b-3 of the web server 3 during the waiting time until the financial transaction is completed when the password is input by the ATM user; When the financial transaction is completed, earning cash in exchange for watching the advertisement in the ATM user account on the web server 3 through the member-specific reserve management DB 3b-2 of the web server 3; Operating the fee earning system according to the advertisement viewing when using the ATM service, characterized in that it comprises the step of incentivizing the ATM user by driving the service DB (3b-4) of the web server (3) based on the accumulated cash Way. The method according to claim 1 or 2, The incentive for the computer user or the ATM user may include a bank transaction fee for the financial transaction if the amount accumulated in the member's reserve management DB 3b-2 is less than or equal to a predetermined amount in exchange for the advertisement during the financial transaction. When the web server (3) occurs, the fee reduction DB of the service DB (3b-4) is driven to compare the bank transaction fee and the amount accumulated in the user account of the member-specific cash reserve DB (3b-2); Paying a transaction fee in a user's bank account if the bank transaction fee is equal to or greater than the amount accumulated in the member-specific reserve management DB 3b-2; If the bank transaction fee is less than the amount accumulated in the member-specific cash accumulation DB (3b-2), the Internet banking, characterized in that it comprises the step of paying the transaction fee by driving the fee reduction DB of the service DB (3b-4) Operation method of fee earning system according to advertisement viewing when using ATM service. The method of claim 1, Executing a financial transaction through the computer communication network (2) further comprises displaying a banner advertisement until the financial transaction with the selected financial institution (4) is terminated. Operating the commission earning system according to The method of claim 1, In the step of authenticating user personal information from the authentication DB 3b-1 of the web server 3, the computer user 1 accesses the authentication DB 3b-1 of the web server 3 and is registered as a member. A method for operating a fee earning system according to viewing advertisements when using an internet banking service, comprising: a user logging in to a member (S4) and an authentication service step (S5). The method according to claim 1 or 2, The video advertisement display step may include driving an advertisement DB 3b-3 of the web server 3 as a video player; Selecting an advertisement of a kind suitable for the taste of the computer user 1 or the ATM user from the advertisement DB 3b-3 of the web server 3; And displaying a video advertisement selected from the advertisement DB (3b-3) of the web server (3). The method of claim 6, wherein the video player uses a media player. The method of claim 6, wherein the video player uses a media player. The method of claim 6, The web server 3 selects the advertisement of the type suitable for the taste of the computer user 1 or the ATM user from the advertisement DB 3b-3, by region advertisement DB, age advertisement DB, gender advertisement DB, and time zone. Method of operating a fee earning system according to the advertisement viewing when using the Internet banking and ATM services, characterized in that it comprises the step of arbitrarily selecting according to the user's personal information from each advertisement DB (3b-3) classified as advertising DB, etc. . The method according to claim 1 or 2, The incentive is given to the computer user 1 or the ATM user. When the amount of money accumulated in the member's reserve management DB 3b-2 is more than a predetermined amount in exchange for the advertisement during the financial transaction, the web server 3 ) Is a computer user (1) or an ATM user to watch the advertisement when using the Internet banking and ATM service, characterized in that the fee reduction DB, additional service DB, cashback DB or re-tact DB of the service DB (3b-4) Operating the commission earning system according to The method of claim 9, When the computer user 1 or the ATM user selects the additional service DB from the service DB 3b-4 of the web server 3, the computer user (within the amount accumulated in the member-specific reserve management DB 3b-2) 1) or a method of operating a fee earning system according to the advertisement viewing when using the Internet banking and ATM services, characterized in that the ATM user can receive the desired service. The method of claim 9, When the computer user 1 or the ATM user selects a cash return DB from the service DB 3b-4 of the web server 3, the cash is transferred to the computer user 1 or the ATM user's bank account by the set amount. Method of operating a fee earning system according to the viewing of advertisements when using the Internet banking and ATM services, characterized in that it makes. The method of claim 9, When the computer user 1 or the ATM user selects the retagged DB from the service DB 3b-4 of the web server 3, the computer user 1 or the ATM user provides securities information service to the computer user 1 or the ATM user or determines stock investment. Etc. A method of operating a fee earning system according to advertisement viewing when using Internet banking and ATM services, which is in charge of retaking the accumulated amount of a computer user (1) or an ATM user. In the Internet service system that supports financial services to the user through a computer communication network, Web server (3) that provides financial transaction services through user authentication, DB (3b-3), which holds video ads classified by region, age, gender, and time zone, and DB for members (3b-), which holds information about the reserves given to members in return for watching the ads. 2) and a database unit 3b having a service DB 3b-4 for granting incentives to the computer user 1 or the ATM user based on the reserves accumulated in the member-specific reserve management DB; Advertisement when using the Internet banking and ATM service, characterized in that it comprises a system control program unit (3a) that manages and controls the database unit (3b) and enables data transmission to a user browser on the Internet through user authentication. Commission earning system based on city hall. The member database (3b) of claim 13, wherein the database unit (3b) stores member information of the computer user (1) and authenticates user personal information based on the member information, or manages a member of an ATM user. -1) Fee earning system according to the advertisement viewing when using the Internet banking and ATM services, characterized in that it further comprises. 15. The method of claim 13, wherein the system control program unit 3a further comprises a video player for driving the video advertisement DB 3b-3 to display a video advertisement. Commission system for viewing advertisements. The system of claim 15, wherein the video player is a media player. 14. The commission earning system of claim 13, wherein the system control program unit (3a) is implemented as an ASP.