KR20090013648A - Value issuance method and system through advertisement output area and recording medium therefor - Google Patents

Abstract

The present invention relates to a value issuance method and system through the advertisement output area and a recording medium therefor. The value issuance system through the advertisement output area according to the present invention is registered by a specific advertiser as a terminal through a website (or blog). When providing advertisement data, the advertisement data includes value information corresponding to a specific advertisement product corresponding to the advertiser, and when selecting (or clicking) the advertisement data, customer value type for issuing a value corresponding to the value information Output processing means for processing to output through an advertisement output area on a browser program provided in the terminal through the website (or blog), including an information input interface for inputting account (or account or card or ID) information; The terminal selects the advertisement data output through the website (or blog) (or Rick) input and transmit the value account (or account or card or ID) information of the customer through the information input interface that is outputted to verify the validity of the value account (or account or card or ID) information Issuing a value corresponding to the value information to the value account (or account or card or ID) verification means (or authentication) and the value account (or account or card or ID) of the confirmed (or authenticated) customer Value issuance means to be deposited.

Description

System and Method for Issuing Value by Using Advertisement Output Area and Recording Medium}

1 is a diagram illustrating an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

2 is a diagram illustrating an advertisement registration process for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

3 is a diagram illustrating a value type account registration system according to an embodiment of the present invention.

4 is a diagram illustrating a value type ledger information configuration according to an embodiment of the present invention.

5 is a diagram illustrating the configuration of value-based ledger information according to another embodiment of the present invention.

6 is a diagram illustrating an information providing process for registering (or opening) a value type account according to an exemplary embodiment of the present invention.

7 is a diagram illustrating an information providing process for registering (or opening) a value type account according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of processing a value type account into an online account according to an embodiment of the present invention.

9 is a block diagram of a data processing system for providing immediate value issuance processing through advertisements according to an embodiment of the present invention.

10 is a diagram illustrating a method of outputting advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

11 is a diagram illustrating a process of providing advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

12 is a diagram illustrating a process of providing an advertisement corresponding to advertisement data through a website (or blog) according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of immediately issuing and processing value information (or value corresponding to value information) corresponding to value data through a website (or blog) according to an embodiment of the present invention.

<Description of main parts of drawing>

900: web interface unit 905: web service control unit

910: Web page operation unit 915: Digital content operation unit

920: bulletin board operation unit 925: advertising output control unit

930: data output processing unit 935: keyword information confirmation unit

940: information receiving unit 945: advertising data confirmation unit

950: advertisement providing processing unit 955: value data confirmation unit

960: billing processing unit 965: interface providing unit

970: Value type account verification unit 975: Value issuance processing unit

980: Advertising D / B 983: Billing Information D / B

985: Value Issuance D / B 990: Advertiser Server

993: customer terminal 995: value receiving means

145 web server 150 ad server

155: financial company server

According to the present invention, when advertisement data registered by a specific advertiser is provided to a terminal through a website (or blog), the advertisement data includes value information corresponding to a specific advertisement product corresponding to the advertiser, and the advertisement data is selected (or clicked). The website (or link information) for providing the terminal with an information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing a value corresponding to the value information. Output processing means for processing to be output through the advertisement output area on the browser program provided in the terminal through a blog), and when the terminal selects (or clicks) the advertisement data output through the website (or blog), Enter the customer value account (or account or card or ID) information into the advertising output area An interface providing means for providing an information input interface to transmit and the value type account (or account or card or ID) information is transmitted through the information input interface, and the value type account (or account or card or ID) is transmitted. The value information as a value account (or account or card or ID) verification means for verifying (or verifying) the validity of the information and the value account (or account or card or ID) of the confirmed (or authenticated) customer The present invention relates to a value issuance system through an advertisement output area having a value issuance means for issuing and depositing a value corresponding to.

Internet users have exploded due to the continuous development of information and communication technology, and various marketing techniques for generating profits for the Internet users have already been commercialized.

The most popular marketing technique for the Internet users is a so-called keyword advertisement (or contextual advertisement), which is a word that an advertiser expects his target audience to enter through a predetermined customer terminal. Keyword information, including syllables), or the context (or document content) in a web document (or document content) corresponding to the website (or blog, or personal homepage) whose target audience is primarily expected to visit (or access). When the keyword information corresponding to the index word) is purchased in an auction manner, the method may include providing and outputting at least one advertisement data matching the keyword information to a customer terminal used by the target customers.

The keyword advertisement (or contextual advertisement) has a feature of inducing a customer to access the advertiser's online store (or advertisement website), compared to the conventional banner advertisement, and thereby, the conventional offline advertisement (or advertisement using mass media). It is forming an advertising market that contrasts with that.

However, not all customers who access the advertiser's online store (or advertising website) make a purchase, and thus, the advertiser pays an unnecessary advertisement fee even for a simple visiting customer.

An object of the present invention for solving the above problems is, when providing the advertisement data registered by a particular advertiser to the terminal through a website (or blog), the value information corresponding to the specific advertisement product corresponding to the advertiser in the advertisement data in the server And the information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing a value corresponding to the value information when selecting (or clicking) the advertisement data. (Or blog) processing to be output through the advertisement output area on the browser program provided in the terminal, and the terminal selects (or clicks) the advertisement data output through the website (or blog) The value-type account (or account or card or card) of the customer through the information input interface ED) information is entered and transmitted, the step of validating (or authenticating) the value account (or account or card or ID) information in the server, and the value type of the customer verified (or authenticated) in the server The present invention provides a value issuance method through an advertisement output area including issuing and depositing a value corresponding to the value information to an account (or an account or a card or an ID).

The value issuance system through the advertisement output area according to the present invention provides value information corresponding to a specific advertisement product corresponding to the advertiser in the advertisement data when providing advertisement data registered by a specific advertiser to a terminal through a website (or blog). And the information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing a value corresponding to the value information when selecting (or clicking) the advertisement data. (Or blog) output processing means for processing to be output through the advertisement output area on the browser program provided in the terminal, and the advertisement data output through the website (or blog) from the terminal to select (or click) The value type account (or account or car) of the customer through the information input interface Or an ID) information and transmits the value-type account (or account or card or ID) verification means for verifying (or authenticating) the validity of the value-type account (or account or card or ID) information; And a value issuing means for issuing and depositing a value corresponding to the value information to the value-type account (or account or card or ID) of the confirmed (or authenticated) customer.

On the other hand, the value issuance system through the advertisement output area according to the present invention, when providing the advertisement data registered by a particular advertiser to the terminal through a website (or blog), corresponding to the specific advertisement product corresponding to the advertiser in the advertisement data An information input interface including value information and inputting value-type account (or account or card or ID) information of a customer for issuing a value corresponding to the value information when selecting (or clicking) the advertisement data to the terminal. Output processing means for processing the output through an advertisement output area on a browser program provided in the terminal through the website (or blog) including link information for providing; and the website (or blog) in the terminal. When selecting (or clicking) the advertising data output through the customer value account ( Or an interface providing means for providing an information input interface for inputting and transmitting account or card or ID information, and if the value type account (or account or card or ID) information is input and transmitted through the information input interface. A means for verifying (or authenticating) the value account (or account or card or ID) information and the means for verifying (or authenticating) the valued account of the verified (or authenticated) customer ( Or value issuing means for issuing and depositing a value corresponding to the value information with an account or a card or ID).

On the other hand, the value issuance method through the advertisement output area according to the present invention, when providing the advertisement data registered by a particular advertiser to the terminal through a website (or blog), the server to the specific advertisement product corresponding to the advertiser in the advertisement data It includes a corresponding value information, and when selecting (or click) the advertising data, the information input interface for inputting the value-type account (or account or card or ID) information of the customer for issuing the value corresponding to the value information Processing to output through an advertisement output area on a browser program provided in the terminal through the website (or blog); and selecting (or advertising data output through the website (or blog) from the terminal). The customer's value account (or account or Or ID) information, the server validates (or authenticates) the valuable account (or account or card or ID) information, and the server confirms (or authenticates) the And issuing and depositing a value corresponding to the value information to a value type account (or account or card or ID).

On the other hand, the value issuance method through the advertisement output area according to the present invention, when providing the advertisement data registered by a particular advertiser to the terminal through a website (or blog), the server to the specific advertisement product corresponding to the advertiser in the advertisement data The information input interface includes corresponding value information and inputs value-type account (or account, card or ID) information of a customer for issuing a value corresponding to the value information when selecting (or clicking) the advertisement data. Processing to output through an advertisement output area on a browser program provided in the terminal through the website (or blog) including link information for providing to the terminal, and the website (or blog) on the terminal. When selecting (or clicking) advertisement data output through the server, the value of the customer from the server to the advertisement output area Providing an information input interface for inputting and transmitting account (or account or card or ID) information; and entering and transmitting the value type account (or account or card or ID) information through the information input interface, Validating (or authenticating) the valued account (or account or card or ID) information at the server, and the valued account (or account or card or ID) of the verified (or authenticated) customer at the server. And issuing and depositing a value corresponding to the value information.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined advertiser terminal 140 (or an advertising agent terminal) accesses a server on a data processing system through a predetermined communication network to provide at least one contextual advertisement (or keyword advertisement). If the server provides advertisement registration information including at least one information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing the value), In the advertisement data registration system configuration for storing the advertisement registration information provided from the advertiser terminal 140 in the advertisement D / B 135 provided on the data processing system, it is common in the art If you have the knowledge, the contextual advertisement (or Would be able to infer a variety of exemplary methods for the advertisement data registration system for a word ad) provided, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means and / or functional configuration for storing advertisement registration information provided from the advertiser terminal 140 in the advertisement D / B 135 on the advertisement data registration system shown in FIG. The component is referred to as " ad registration server 100 " for convenience, and the ad registration server 100 is the same server as the web server 145 (or the ad server 150) provided in the data processing system shown in FIG. Or a component constituting the web server 145 (or the ad server 150), or a separate server associated with the web server 145 (or the ad server 150). The present invention is not limited by this.

Referring to FIG. 1 according to an embodiment of the present invention, an advertisement data registration system for providing contextual advertisement (or keyword advertisement) according to the present invention includes at least one advertiser terminal 140 connected to a predetermined communication network, and At least one predetermined advertiser information and keyword information transmitted from the advertiser terminal 140, at least one or more advertisement data and value data associated with the keyword, and the deposit information and billing policy information for providing the advertisement (or value issuance) Advertisement D / B 135 for storing advertisement registration information including; and the advertisement terminal 140 is connected to the advertiser terminal 140 through a predetermined communication network, and receives the advertisement registration information transmitted from the advertiser terminal 140 through the communication network. It characterized in that it comprises an advertisement registration server 100 to be stored in the advertisement D / B (135).

The advertiser terminal 140 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). It comprises at least one wired terminal including a desktop computer and / or laptop connected to the advertisement registration server 100 via a communication, and / or a mobile communication network based on code division multiple access (CDMA) (or HSDPA) A mobile communication terminal connected to a High Speed Downlink Packet Access (Mobile Speed Network) -based mobile communication network, and / or a mobile Internet terminal connected to an IEEE 802.16x-based high-speed wireless Internet, and / or an IEEE 802.11x-based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including at least one WLAN terminal, the advertiser terminal 140 is A function for outputting at least one advertisement registration interface screen provided by the high registration server 100, inputting and / or selecting at least one information through the advertisement registration interface screen, and transmitting the same to the advertisement registration server 100. It is desirable to have a configuration (e.g., a browser program and a communication function).

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the advertiser terminal 140 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof Omit for convenience.

When the advertiser terminal 140 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the advertiser terminal 140 is a wireless terminal, the communication network The CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x-based high-speed wireless Internet, and / or IEEE 802.11x-based wireless communication network is preferably made of at least one or more.

The advertisement D / B 135 provided on the data processing system according to the present invention includes predetermined advertiser information and keyword information transmitted from the advertiser terminal 140 and at least one advertisement data and value associated with the keyword. And advertisement registration information including at least one or more deposit information and billing policy information for providing the advertisement (or value issuance), wherein the advertisement registration information is stored at least in the data processing system shown in FIG. It is used to provide an advertisement corresponding to the advertisement data to one or more client terminals (or customers), or to issue value information (or value corresponding to the value information) corresponding to the value data to a value receiving means of a private interest customer. It is characterized by.

According to the exemplary embodiment of the present invention, the advertisement registration server 100 establishes a predetermined communication channel with the advertiser terminal 140 through the communication network in order to provide a web interface corresponding to the advertiser terminal 140 and the communication network. It characterized in that it comprises an interface unit 105 for connecting and managing, whereby the advertisement registration server 100 is a web server that is connected to the advertiser terminal 140 via a wired communication network and / or a wireless communication network ( 145).

According to an exemplary embodiment of the present invention, when the advertiser terminal 140 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 105 may connect the advertiser terminal 140 and the HTTP ( An advertisement registration interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the advertiser terminal 140 through a communication channel based on a Hyper-Text Transfer Protocol protocol. Transmits and outputs a provided screen, predetermined advertiser information and keyword information inputted from the advertiser terminal 140 through the advertisement registration interface screen, at least one advertisement data and value data associated with the keyword, and Receive and process advertisement registration information including at least one deposit information and billing policy information for the advertisement provision (or value issuance). It is preferable to perform this function.

According to another exemplary embodiment of the present invention, when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the advertiser terminal 140 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the advertisement in the form of WML (Wireless Markup Language) and / or HTML compatible document to the advertiser terminal 140 through the communication channel. Transmits and outputs a registration interface screen and / or an information providing screen, predetermined advertiser information, keyword information corresponding to the advertisement registration interface screen, and at least one advertisement data and value associated with the keyword from the advertiser terminal 140 Advertisements including at least one or more deposit information and billing policy information for the data and the advertisement provision (or value issuance) To carry out the functions of: receiving process information is preferred.

According to another exemplary embodiment of the present invention, when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is connected to the advertiser terminal 140. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined advertisement registration interface screen and / or information providing screen to the advertiser terminal 140 through the communication channel. Predetermined advertiser information corresponding to the advertisement registration interface screen, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information for providing the advertisement (or issuing value) from the advertiser terminal 140. And receiving and processing advertisement registration information including at least one charging policy information. Preferably, or when the advertiser terminal 140 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x-based wireless communication network, the interface unit 105 complies with the advertiser terminal 140 and the IEEE 802.11x standard. Connect a predetermined communication channel based on a corresponding wireless protocol, transmit and output a predetermined advertisement registration interface screen and / or information providing screen to the advertiser terminal 140 through the communication channel, and output the advertisement terminal 140. It is preferable to perform a function of receiving and processing predetermined advertisement registration information corresponding to the advertisement registration interface screen.

Referring to FIG. 1, the advertisement registration server 100 is connected to the interface unit 105 when a predetermined advertiser terminal 140 accesses the advertisement registration server 100 through the interface unit 105. The advertiser terminal 140 includes at least one predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or value issuance). An interface providing unit 110 for generating (or extracting) a predetermined advertisement registration interface screen for inputting (or selecting) and transmitting advertisement registration information to be included, and the advertiser terminal in cooperation with the interface unit 105. An information receiving unit 115 for receiving advertisement registration information inputted (or selected) through the advertisement registration interface screen at 140 and the reception; And an information storage unit 120 for storing advertisement registration information in the advertisement D / B 135, and confirming that an amount corresponding to the deposit information included in the received advertisement registration information is deposited. A billing processing confirming unit 125 and a billing processing confirming unit for verifying a billing processing validity for billing a predetermined advertising amount from the deposit according to billing policy information corresponding to the advertisement data included in the received advertisement registration information; 130) is preferably provided.

The interface providing unit 110, when a predetermined advertiser terminal 140 is connected to the advertisement registration server 100 through the interface unit 105, the functional configuration (for example, advertisers) provided in the advertiser terminal 140 Browser information provided in the terminal 140), predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy for providing the advertisement (or issuing a value). Generate a predetermined advertisement registration interface screen for inputting (or selecting) advertisement registration information including at least one information and transmitting the advertisement registration information to the advertisement registration server 100 through the communication network, and / or a predetermined database ( Not shown), and the advertisement registration interface screen generated (or extracted) in cooperation with the interface unit 105 is communicated with the communication unit. It is characterized in that provided to the advertiser terminal 140 through a network.

According to an embodiment of the present invention, the advertisement registration interface screen inputs advertiser information, keyword information, advertisement data and value data corresponding to the advertisement registration information, and deposit information for providing the advertisement (or issuing a value). It is preferable to include a user interface for inputting (or selecting) the advertising price information and the billing method corresponding to the billing policy information.

According to another exemplary embodiment of the present invention, the advertisement registration interface screen inputs advertiser information, keyword information, advertisement data and value data corresponding to the advertisement registration information, and deposit information for providing the advertisement (or issuing a value). The user interface may include a user interface for inputting (or selecting) the advertisement price information and the charging method according to a predetermined charging policy.

Thereafter, the advertiser terminal 140 based on the advertisement registration interface screen, predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and a deposit for providing the advertisement (or issuing a value). Advertisement registration information including at least one information and billing policy information is input (or selected), and when it is confirmed that the advertisement registration information is input (or selected), the advertiser terminal 140 inputs the information through the communication network. The advertisement registration information (or selection) is transmitted to the advertisement registration server 100.

Those skilled in the art to which the present invention pertains, the advertiser information through the at least one form (Form) form included in the advertisement registration interface screen in the advertiser terminal 140 and the keyword and A technical feature for inputting (or selecting) advertisement registration information including at least one or more advertisement data and value data associated therewith and deposit information and charging policy information for providing the advertisement (or issuing the value); Since the technical features of transmitting the input (or selected) advertisement registration information to the advertisement registration server 100 through a communication protocol are provided, detailed description thereof will be omitted for convenience.

The information receiver 115 provides predetermined advertisement information, keyword information, at least one advertisement data and value data associated with the keyword, and the advertisement (or value issuance) through the advertisement registration interface screen in the advertiser terminal 140. Inputting (or selecting) advertisement registration information including at least one deposit information and charging policy information for transmission) and transmitting the advertisement registration information through the communication network to receive the advertisement registration information in association with the interface unit 105. It is done.

In this case, the advertiser information includes information on an advertiser's store (or shopping mall) and an advertiser's store (or shopping mall) of an advertiser who wants to provide advertisement data associated with the keyword information to at least one or more customer terminals through the data processing system illustrated in FIG. At least one representative product (or service) for sale in the) is preferably included.

The keyword information may include at least one or more words (or syllables) associated with the advertisement data, among the contexts (or index terms) of at least one or more web document (or document content) contents provided to at least one or more customer terminals, or by the advertiser. It is preferable to include at least one or more words (or syllables) for identifying a customer terminal for providing the advertisement data.

The advertisement data may be matched with the keyword information in the context (or index word) included in at least one web document (or document content) content provided to at least one or more customer terminals in the data processing system illustrated in FIG. 9. At least one advertisement data to be transmitted to the customer terminal is preferably included.

According to an embodiment of the present invention, the advertisement data preferably includes advertiser Uniform Resource Locator (URL) information for the advertiser's online store (or advertisement website).

After the advertisement data is provided to the customer terminal through the data processing system shown in FIG. 9, when the advertisement data is clicked on the customer terminal, the data processing system is connected to the online information of the advertiser corresponding to the customer terminal and the advertiser URL information. It is desirable to link the store (or advertising website).

The value data includes coupon information, coupon information, discount coupon information, ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc. that the advertiser will provide to the customer. Value information (or a value corresponding to the value information) including at least one of the value and value issuance data (e.g., to be provided to the customer terminal for issuing the value information (or value corresponding to the value information) to the customer. Icon data for value issuance, value issue image content data, and the like).

After the value data is provided to the customer terminal through the data processing system shown in Fig. 9, when the customer terminal clicks on the value data (e.g., the value issuance data provided to the customer terminal), a predetermined value issuance server (e.g., A server affiliated with any one of the web server 145 (or the ad server 150) to the advertiser server, or the web server 145 (or the ad server 150) to the advertiser server shown in FIG. ) Predetermined value information (or value corresponding to the value information) corresponding to the value data from the customer value receiving means (e.g., customer wireless terminal (mobile phone, etc.), e-mail address, messenger ID, etc.) Information, ticket information, discount ticket information, ticket information, gift certificate information, point information, electronic money information, multimedia content information, product description information, etc.). The.

Those skilled in the art will be able to infer various value data according to the intention of those skilled in the art in addition to the above-described value data, and the present invention includes all kinds of value data inferred. It is characterized by.

The deposit information for providing the advertisement (or issuing the value) may include requesting the client terminal after at least one advertisement data matching the keyword information is provided to the at least one client terminal through the data processing system shown in FIG. 9. When the advertisement provision (or value issuance) is confirmed by the above, it is preferable that the advertisement information (or value issuance) is included, including the amount information pre-deposited by the advertiser in order to pay a predetermined advertisement amount corresponding to the advertisement provision (or value issue). According to the intention of the depositor (or advertiser) information that deposits the amount and preferably the account information (or virtual account information) in which the amount is deposited is preferably made.

The charging policy information for providing the advertisement (or issuing the value) is determined by the advertiser when the advertisement is provided (or issuing the value) through the data processing system shown in FIG. 9. It is preferable that the policy information for charging the amount corresponding to the provision (or value issuance) as the advertising amount is preferably made.

When the advertisement registration information is received through the information receiving unit 115, the deposit confirmation unit 125 is the account information (or virtual account) in which the deposit is deposited among the deposit information included in the advertisement registration information through a predetermined communication network. And the advertiser as a depositor in the account (or virtual account) in connection with the financial company server 155 corresponding to the information).

According to the embodiment of the present invention, if it is not confirmed that the amount corresponding to the deposit information included in the advertisement registration information is deposited, it is preferable that a keyword advertisement corresponding to the advertisement registration information is not provided.

The billing processing checker 130 is connected to the web server 145 (or the ad server 150) or the advertiser server (not shown) that provides a keyword advertisement corresponding to the advertisement registration information. It is characterized in that the billing processing validity for charging a predetermined advertising amount to the charging policy information according to the advertisement provision (or value issuance) corresponding to the included advertising data.

According to one embodiment of the present invention, the billing processing checker 130 preferably checks whether the online store (or advertisement website) corresponding to the advertiser URL information is a website accessible from the customer terminal.

Alternatively, the billing processing checker 130 may purchase a predetermined product (or service) by the customer in connection with the online store (or advertisement website) in the data processing system shown in FIG. It is desirable to see if it is possible to track (or verify) the action in real time (or periodically).

According to another exemplary embodiment of the present invention, the billing processing checker 130 may have a value corresponding to the value information (or value corresponding to the value information) to the web server 145 (or the advertisement server 150). To provide information (or value corresponding to the value information) to the value receiving means of the customer, and to confirm whether the value information (or value corresponding to the value information) can be effectively provided to the customer. It is preferable.

Alternatively, the billing processing confirmation unit 130 is value information corresponding to the value information (or value corresponding to the value information) to the value receiving means of the customer in connection with the advertiser server in the data processing system shown in FIG. It is desirable to ensure that it is possible to track (or verify) in real time (or periodically) that the (or value corresponding to value information) is provided.

Those skilled in the art to which the present invention pertains, in addition to the above-described billing validation method, check the billing validity corresponding to the advertisement provision (or value issuance) according to the characteristics and billing policy of the advertisement data. Various methods for inferring will be inferred, and the present invention is not limited by the charging processing validation method.

The information storage unit 120 includes at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing a value). Characterized in that the advertisement registration information is stored in the advertisement D / B (135).

2 is a diagram illustrating an advertisement registration process for providing contextual advertisement (or keyword advertisement) according to an embodiment of the present invention.

In more detail, in FIG. 2, at least one advertiser terminal 140 of the advertisement data registration system illustrated in FIG. 1 is associated with advertiser information, keyword information, and the keyword to the advertisement registration server 100 through a predetermined communication network. The advertisement registration server 100 advertises the advertisement registration information when the advertisement registration information including at least one or more advertisement data and value data, and deposit information and charge policy information for providing the advertisement (or value issuance) is transmitted. Regarding the process of storing in the D / B 135, those skilled in the art to which the present invention pertains, the advertisement for providing a contextual advertising (or keyword advertising) by referring to and / or modified in the present figure 2 Various implementation methods for the registration process may be inferred, but the present invention includes all implementation methods inferred from the above, and It shall not be limited to the exemplary method.

Hereinafter, in FIG. 2, the advertisement registration server 100 on the advertisement data registration system shown in FIG. 1 will be referred to as "server" for convenience, and the advertiser terminal 140 on the advertisement data registration system shown in FIG. Terminal ".

Referring to FIG. 2, a terminal on the advertisement data registration system illustrated in FIG. 1 connects to a communication channel for providing a context advertisement (or keyword advertisement) by accessing the server through the communication network (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

In the technical field to which the present invention pertains, the terminal may access the server according to a communication protocol corresponding to the communication network through a predetermined browser program corresponding to the communication network, thereby providing the contextual advertisement (or keyword advertisement). ) It will be familiar with the technical features of connecting the communication channel for providing, a detailed description thereof will be omitted for convenience.

When the communication channel for providing the contextual advertisement (or keyword advertisement) is connected between the terminal and the server as described above, the terminal displays the advertisement registration interface screen for providing the contextual advertisement (or keyword advertisement) to the server through the communication channel. (205), and correspondingly, the server generates (or extracts) an advertisement registration interface screen including a user interface for inputting (or selecting) the advertisement registration information in the terminal (210), and generates the advertisement. The advertisement registration interface screen (or extracted) is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal receives predetermined advertiser information, keyword information, at least one advertisement data and value data associated with the keyword through the user interface included in the advertisement registration interface screen for inputting (or selecting) the advertisement registration information. And the advertisement registration information including at least one deposit information and the charging policy information for the advertisement provision (or value issuance) is input (or selected).

If the terminal includes at least one advertisement information and keyword information, at least one or more advertisement data and value data associated with the keyword, the advertisement information (or value issuance) deposit information and billing policy information at least one or more; Is input (or selected) (225), the terminal transmits the advertisement registration information to the server via the communication channel (230), and correspondingly the server deposit information contained in the received advertisement registration information; Check the validity of the deposit to determine whether the amount corresponding to the deposit (235).

According to the embodiment of the present invention, the server is linked with the financial company server 155 corresponding to the account information (or virtual account information) in which the deposit is deposited among the deposit information included in the advertisement registration information through a predetermined communication network. It is preferable to check whether the deposit is deposited by using the advertiser as a depositor in the account (or a virtual account).

If the deposit validity is not confirmed (240), the server deactivates the contextual advertisement (or keyword advertising) for the advertisement registration information (255) until the deposit validity is confirmed (255), the advertisement D / B ( 135) advertisement registration information including at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and deposit information and billing policy information for providing the advertisement (or issuing a value). In operation 265, when the deposit validity is confirmed, the context advertisement (or keyword advertisement) for the advertisement registration information may be activated.

On the other hand, if the deposit validity is confirmed (240), the server receives a predetermined amount of advertising corresponding to the advertisement provision (or value issuance) from the deposit in accordance with the charging policy information corresponding to the advertisement data included in the advertisement registration information Checking the validity of the billing process for billing (240).

If the billing processing validity is not confirmed (240), the server deactivates the contextual advertisement (or keyword advertising) for the advertisement registration information (255) until the billing processing validity is confirmed (255), the advertisement D / The advertisement registration in B (135) includes at least one advertiser information, keyword information, at least one advertisement data and value data associated with the keyword, and the deposit information and billing policy information for the advertisement provision (or value issuance) After the information is stored (265) and the validity of the billing process is confirmed, it is preferable that the context advertisement (or keyword advertisement) for the advertisement registration information is activated.

On the other hand, if the billing processing validity is confirmed (240), the server activates the contextual advertising (or keyword advertising) for the advertisement registration information (260), the advertiser information and keywords in the advertisement D / B (135) The advertisement registration information including information, at least one or more advertisement data and value data associated with the keyword, and at least one deposit information and billing policy information for providing the advertisement (or value issuance) is stored (265).

3 is a diagram illustrating a value type account registration system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates that the web server 145 provides value-based account application information for value-based account registration from a predetermined customer terminal 355 to a predetermined web server 145 through a predetermined network means. In response to the value type application information provided from the customer terminal 355 to the predetermined information processing server 335 provided in a predetermined financial institution, the information processing server 335 corresponding to the value type account application information As a system configuration for opening a value-type account in the form of an online account, the web server 145 illustrates an implementation method of opening a value-type account in the form of an online account having a real account of an operating institution. .

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to form a variety of forms other than value-type accounts in the form of online accounts in which the actual account of the web server 145 operating institution is the parent account. Although it may be possible to infer an implementation method for a system for registering a value type account of the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, when the value account is registered in the form of an online account, the parent account of the online account may apply for registration of the value account in addition to the real account of the web server 145 operator as shown in the present embodiment. It is possible to register with a real account of a customer as a parent account or to register in association with a chargeable online account of the customer's name, whereby the present invention is not limited.

Alternatively, the value type account may be registered in the form of an online account (or a real account) in the name of the customer, in addition to the value type account of the online account type, and the present invention is not limited thereto.

Referring to FIG. 3 according to an embodiment of the present invention, a value-based account registration system for registering an online-type value account having a real account operated by the web server 145 operating institution as a parent account may include a predetermined network. Access to a predetermined web server 145 through the means to request a value-based account registration (or open), and provide the value-type account application information corresponding to the value-based account registration (or open) the web server 145. Is connected to the customer terminal 355 and the customer terminal 355 through a predetermined network means to receive predetermined value type account application information from the customer terminal 355, and the received value type account. A web server 145 for providing application information to an information processing server 335 provided at a predetermined financial institution; and the value from the web server 145 connected to the web server 145 through a predetermined communication means. Type account An information processing server 335 that receives the information and registers (or opens) a valued account of the customer's name based on the received valued account application information; and a financial system operating the valued account. It is done by

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interface through a common network (eg, CD common network, financial common network), characterized in that the financial system is also provided for interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) and / or a wireless data communication network based on DataTAC / Mobitex. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who registers a predetermined value type account through an online channel may use the at least one customer terminal 355 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The user accesses the web server 145 and receives various application services provided by the web server 145.

Here, the wired terminal connected to the wired communication network of the customer terminal 355 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless data. It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

The web server 145 is a search service including at least one information / content to a customer terminal 355 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, the information providing service provided by the web server 145 to the customer terminal 355 includes at least one value-type account description information for requesting a new establishment from at least one or more customers online by the financial institution. Characterized in that comprises a.

In addition, the web server 145 provides the customer terminal 355 with at least one user interface for registering the value type account by the customer through network means including the wired communication network and / or the wireless communication network. Characterized in that the customer terminal 355 inputs (or selects) predetermined value account application information for registering the value type account through the user interface to include the wired network and / or the wireless communication network. It transmits to the web server 145 through the means.

To this end, the customer terminal 355 outputs at least one user interface provided from the web server 145, and inputs and / or selects at least one or more value type account application information through the user interface to the web. A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the web server 145, etc.) for transmitting to the server 145 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 145 as described above, and input at least one value type account application information through the user interface. And / or the characteristics of the customer terminal 355 corresponding to at least one or more wired terminals and / or wireless terminals that are selectively transmitted to the web server 145 may be easily inferred. Omit.

According to the embodiment of the present invention, the web server 145 is characterized in that it comprises an interface unit 300 for connecting and managing a predetermined communication channel with the customer terminal 355 through the network means.

According to an embodiment of the present invention, when the customer terminal 355 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 300 may include the wired network and And / or at least one piece of information using a communication protocol defined in a communication program included in the customer terminal 355 and connecting a predetermined communication channel with the customer terminal 355 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 355, the interface unit 300 may be connected to the client terminal 355 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 355 is provided with a communication program provided by the web server 145, the interface unit 300 establishes a communication channel with the customer terminal 355 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 355 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 300 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 355 and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 355. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 355, the interface unit 300 is based on the CDMA protocol. 355 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 3, the web server 145 connects the predetermined terminal 355 to the web server 145 through the interface unit 300 and / or applies for a value type account. In connection with 300, the user terminal 355 generates (or selects) a predetermined user interface for inputting (or selecting) predetermined value type account application information (or from a predetermined web source D / B (not shown)). The interface providing unit 305 which is extracted and provided to the customer terminal 355 and a predetermined input (or selected) transmitted by the customer terminal 355 through the user interface in connection with the interface unit 300. The information receiving unit 340 for receiving the value-type account application information of the information relay unit 325 for providing the received value-type account application information to the information processing server 335 provided in a financial institution through a predetermined communication means With) It is characterized by losing.

In addition, the web server 145 is personalized including a search service including at least one or more information / content to at least one or more customer terminals 355 in conjunction with the interface unit 300, and / or a mini homepage / blog. And a web service unit 310 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 145 to provide the web-based service to at least one customer terminal 355 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 145 is a value type received from the customer terminal 355 through the information receiving unit 315 for the post management of the value-type account application information received through the information receiving unit 315. Value-based account issuance information including account application information or at least one or more of the value-based account information generated by the information processing server 335 based on the value-based account application information. And an information storage unit 320 for storing in the / B 330, wherein the value type account issuing information is registered based on the value type account application information and the value type account application information. Or at least one or more value type account security information and online account attribute information received from the customer terminal 355, in addition to the value type account information to be opened). And it is preferably made.

The interface providing unit 305 is provided to the customer terminal 355 when a predetermined customer terminal 355 connects to the web server 145 and / or applies for a value type account through the interface unit 300. In response to the functional configuration, the user may input (or select) the value type account application information and generate a predetermined user interface capable of transmitting to the web server 145 through the network means, and / or a predetermined database (not shown). ) To the user terminal 355 through the network means to provide a user interface generated from the (or extracted from a predetermined web source D / B (not shown)) in conjunction with the interface unit 300 It is characterized by.

Thereafter, the customer terminal 355 inputs (or selects) the value type account application information based on the user interface, and inputs the input (or selected) value type account application information through the network means to the web server. Transmit to 145.

According to an embodiment of the present invention, when the customer terminal 355 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 305 is a browser program and / or a communication program provided in the wired terminal. Generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (not shown) through the interface unit 300. It is preferable to provide the user interface 355 extracted from the customer terminal 355.

According to another exemplary embodiment of the present invention, when the customer terminal 355 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 305 is a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 300. It is preferable to provide the user interface extracted from the) to the customer terminal 355.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined value type account application information from the client terminal 355 in the web server 145 may include at least one value type account. It is preferred to include an interface for selecting at least one value account for the customer to apply for.

In addition, when the value type account corresponding to the value type account application information corresponds to the value type account of a free withdrawal type, the user interface for inputting (or selecting) the value type account application information is provided to the value type account. And an interface for outputting valued account details such as corresponding valued account name and interest rate information to the customer terminal 355 and confirming that the customer has confirmed the valued account detail information. Do.

In addition, the user interface for receiving (or selecting) the value-type account application information, outputs the terms and conditions information corresponding to the value-type account to the customer terminal 355, the interface that the customer agrees to the terms and conditions It is preferable to comprise.

In addition, the user interface for receiving (or selecting) the value-based account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, An interface for inputting (or selecting) an e-mail address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 145. It is preferable to make.

Thereafter, the customer terminal 355 includes value account selection information for selecting at least one or more value type accounts to which the customer applies (or purchases) of the plurality of value type accounts through the user interface, and the value type account. Input (or select) value-based account application information including at least one or more terms and conditions corresponding to the value-added account information and customer information for the value-type account application customer, and transmit it to the web server 145 through the network means. .

According to an embodiment of the present invention, a user interface for receiving (or selecting) the value type account application information may include an account password for the value type account corresponding to the value type account application information, and / or the value type account. Preferably, the method further comprises an interface for inputting (or selecting) at least one or more value-based account security information (eg, password, or personal identification number (PIN) information).

When an interface for inputting (or selecting) valued account security information including at least one or more is provided to the customer terminal 355, the customer terminal 355 inputs (or selects) valued account security information through the interface. The value-type account security information is transmitted to the web server 145 through the network means, or the value-type account security information is further included in the value-account application information. To the web server 145 via the network means.

If the value account application information includes the value account security information, secure confidentiality, authentication, integrity, and nonrepudiation of the value account security information. In order to do so, the value-based account security information (or the value-account application information including the value-account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 145.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the value type account application information may include inputting online account attribute information for processing the value type account to be registered (or opened) in the form of an online account ( Or an interface to be selected).

When an interface for inputting (or selecting) the online account attribute information is provided to the customer terminal 355, the customer terminal 355 inputs (or selects) the online account attribute information through the interface and then inputs the input. (Or the selected) transmits the online account attribute information to the web server 145 through the network means, or further includes the online account attribute information in the value-type account application information and the web server through the network means. Transmit to 145.

Here, the online account attribute information may include at least one of information for processing the value-type account to be linked with one mother account, or account attribute information for processing the issue / use of a value without checking the real name of the value-type account. It is preferable to comprise.

When the customer terminal 355 inputs (or selects) predetermined value-type account application information through the user interface and transmits the information through the network means, the information receiver 315 interworks with the interface unit 300. Characterized in that the value-type account application information is received, and provides the received value-type account application information to the information relay unit 325 and / or information storage unit 320.

The value account application information may include value account selection information for selecting at least one or more value type accounts to which the customer applies (or purchases) of the plurality of value type accounts, and terms corresponding to the value type account. It is preferable to include at least one consent information.

In addition, the customer terminal 355 inputs (or selects) predetermined value type account security information through the user interface and transmits it through the network means, or the value type account security information in the customer terminal 355. When the transmission is included in the value-type account application information, the information receiving unit 315 is characterized in that for receiving the value-type account security information in conjunction with the interface unit 300, the received value-type account security Information is provided to the information relay unit 325 and / or information storage unit 320.

In addition, the customer terminal 355 may input (or select) predetermined online account attribute information through the user interface and transmit it through the network means, or the online terminal attribute information may be transmitted from the customer terminal 355. When the information is included in the value type application information and transmitted, the information receiving unit 315 may receive the online account attribute information in association with the interface unit 300, and the received online account attribute information may be included in the information. The relay unit 325 and / or the information storage unit 320 is provided.

The information storage unit 320 stores the value-type account application information received through the information receiving unit 315 in the value-type account issuing information and stores it in a predetermined value-type account D / B 330. By doing so, the web server 145 (or the web server 145 operating institution) requests the value-based account from the financial institution based on the value-account application information stored in the value-based account D / B 330. Provide a basis for receiving fees for attracting customers.

When the value type account security information is received through the information receiving unit 315, the information storage unit 320 stores the value type account issuing information obtained by linking the value type account security information to the value type application information. The value-type account security information is stored in the value-based account D / B (330), the value using the value-type account in the web server 145 (or value management server using the value-based account) Used to authenticate issuance / use.

When the online account attribute information is received through the information receiving unit 315, the information storage unit 320 stores the online account attribute information obtained by linking the online account attribute information to the value type account application information. D / B 330, the online account attribute information is the value issuance / use of the value-type account using the value-type account in the web server 145 (or value management server using the value-type account) It is used to authenticate.

According to the method of the present invention, the information storage unit 320, if the predetermined value type account corresponding to the value type account application information is opened by the information processing server 335, the web server 145 ( Or the value type account issuing information by the value type account information opened by the information processing server 335 to process value issuance / use using the value type account in the value management server using the value type account). In addition to the stored in the value account D / B (330), or replace the value account application information contained in the value-account issued information with the value-based account information opened by the information processing server 335 It is preferable that the present invention is not limited thereby.

Here, the value type account information is a value type account number in the form of an online account number generated by the information processing server 335, account holder information corresponding to the customer information included in the value type account application information and the web server. (145) It is preferable to include the information of the operating institution and the financial institution that the value-type account is opened.

The information relay unit 325 corresponds to the value type account (eg, the value type corresponding to the value type account) through the value type account application information received through the information receiving unit 315 through a predetermined communication means. It is characterized in that the relay transmission to the information processing server 335 provided in the financial institution (open account).

Here, the communication means for connecting the web server 145 and the information processing server 335 may be a dedicated communication network that blocks access by a third party other than the web server 145 and the information processing server 335, and / or Secure communication network that provides a secure communication function between the web server 145 and the information processing server 335 (eg, the web server 145 encrypts the value-type account application information by a predetermined encryption method so that the information processing server ( And a communication network for decrypting the value-type account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 335).

When the value type account security information is received through the information receiving unit 315, the information relay unit 325 includes the value type account security information in a financial institution corresponding to the value type account through a predetermined communication means. Characterized in that the transmission to the information processing server 335, whereby the information processing server 335 by using the value-type account security information from the web server 145 to the financial system provided in the financial institution Open a value account that can issue / use value.

When the online account attribute information is received through the information receiving unit 315, the information relay unit 325 provides the online account attribute information to a financial institution corresponding to the value type account through a predetermined communication means. Characterized in that the transmission to the processing server 335, whereby the information processing server 335 issuing a value corresponding to the online account attribute information from the web server 145 to the financial system provided in the financial institution; Open a value account that you can use.

According to another exemplary embodiment of the present invention, when the information processing server 335 is provided with a web server 145 function and / or the information processing server 335 is a predetermined banking server, the information relay unit ( 325 connects the customer terminal 355 and the information processing server 335 to relay and connects the value type account application information (or the value type) from the customer terminal 355 in the information processing server 335. It is possible to relay directly to a predetermined user interface for receiving account application information and value account security information, or online account attribute information, whereby the information processing server 335 via a predetermined network means. Directly receiving the value account application information (or the value account application information and the value account security information, or the online account attribute information) from the customer terminal 355. It is possible, and the invention is not limited thereby.

According to another embodiment of the present invention, between the web server 145 and the information processing server 335 relays at least one web server 145 and the information processing server 335, and / or the A predetermined relay server (not shown) which relays the web server 145 and the at least one information processing server 335 and / or relays the at least one web server 145 and the at least one information processing server 335. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 3, the information processing server 335 may be configured to provide value account application information (or the value account application information and value account security information, or online) provided from the web server 145 through the communication means. An account receiving unit 340 for receiving account attribute information) and an account opening unit 345 for opening a value type account corresponding to the value type application information received through the information receiving unit 340 in association with a predetermined financial system. And an online account processing unit 350 for processing the opened value-type account in the form of an online account using a real account operated by the web server 145 operating institution as a parent account.

The information receiving unit 315 receives valued account application information (or the valued account application information and valued account security information, or online account attribute information) provided from the web server 145 through the communication means. Characterized in that, the received valued account application information (or the valued account application information and the value-type account security information, or online account attribute information) is provided to the account establishment unit 345.

According to one embodiment of the present invention, when the value-based account application information (or the value-account application information and value-based account security information, or online account attribute information) provided from the web server 145 is encrypted, the information. The receiving unit 315 preferably further includes a function for decrypting the encrypted valued account application information (or the valued account application information and valued account security information or online account attribute information).

The account establishment unit 345 is the value type account application information (or the value type account application information and value account security information, or online account attribute information) from the web server 145 through the information receiving unit 340 If is provided, the value-based account application information (or the value-type account application information and value account security information, or online account attribute information) by reading the value-type account application information (or the And a value account corresponding to the value account application information, the value account security information, or the online account attribute information.

Here, the account establishment unit 345 to open a value type account corresponding to the value type account application information (or the value type account application information and value account security information, or online account attribute information), the financial A predetermined customer ledger corresponding to the value account application information (or the value account application information and value account security information or online account attribute information) in the ledger D / B provided on the system. And (or may be omitted if registered) and / or at least one value account ledger (eg, a reception ledger corresponding to the value account application information).

According to one embodiment of the present invention, a value ledger for the valued account corresponding to the valued account application information is an account ledger corresponding to a valued account newly opened based on the valued account application information. It is preferable to register with the ledger D / B in the form of, and store the information for managing the value-type account in association with the value-type ledger.

According to another exemplary embodiment of the present invention, a value account ledger for the value account corresponding to the value account application information corresponds to an online account associated with a predetermined parent account based on the value account application information. Preferably it is registered in the ledger D / B in the form of an account ledger, wherein the parent account is the financial account for registering the customer financial account, or the value-type account previously opened in the ledger D / B on the financial system It is possible to include at least one or more of the financial institution accounts already established in the ledger D / B on the system, by which the present invention is not limited.

That is, the account establishment unit 345 is based on the value-based account application information (or the value-based account application information and value account security information, or online account attribute information) received through the web server 145. And a procedure of opening the value-based account (eg, registering a predetermined value-based ledger) by interworking with external and / or information systems provided in the financial system, and outputting the result to the online account processing unit. Provided at 350.

Those skilled in the art to which the present invention pertains, the account establishment unit 345 is to open the value account in conjunction with the financial system (for example, to register a predetermined value ledger) in detail Since you will be familiar with the procedure, a detailed description thereof will be omitted for convenience.

The online account processing unit 350 is an online account that uses a real account for operating the value-type account (or value-type ledger) opened by the account establishment unit 345 in the web server 145 operating institution. Characterized in that the processing.

According to the embodiment of the present invention, the value-based ledger corresponding to the value-type account processed in the form of an online account having a real account operated by the web server 145 operating institution as the parent account is the value-based ledger and It is desirable to include online ledger information that includes a similar structure.

4 is a diagram illustrating the configuration of value account ledger information according to an embodiment of the present invention.

In more detail, Figure 4 is a mother account with the actual account of the operating institution of the web server 145 in the ledger information stored in the predetermined ledger D / B 400 provided in the DBMS on the financial system shown in Figure 3 A value account ledger information including the online account attribute information is stored in a value account ledger, and a person of ordinary skill in the art to which the present invention belongs may refer to and / or modify the present invention. Infer the various information configuration method for storing the value-based ledger information according to the value-based ledger information in the value-based ledger with the real account of the web server 145 operating institution in the ledger D / B As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the value account registration system shown in Figure 3, the customer for the value account registration in the form of an online account associated with the mother account as the real account of the operating institution of the web server 145 The ledger stores the web server 145 operating institution customer ledger information using the web server 145 operating institution as a financial transaction customer, and the web server 145 through the value type account registration system shown in FIG. It is desirable to store the value account customer ledger information registered in the value account of the online account type associated with the parent account which is the real account of the operating institution.

Here, the web server 145 operating institution customer ledger information and the value-type account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the value-type account is the conventional When the customer ledger of the customer who opens the value type account is provided in the ledger D / B 400 as a financial transaction customer, it is preferable that the value account customer ledger uses the customer ledger of the customer as it is. .

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 145 management institution is relationally associated with the customer ledger of the web server 145 management institution, and the web server 145 management institution At least one of the financial account of the at least one financial account is preferably corresponding to the parent account of the online account corresponding to the value type account registered through the value type account registration system shown in FIG.

Here, the account ledger corresponding to the mother account of the online account corresponding to the value type account registered through the value type account registration system shown in FIG. 3 among the account ledgers of the web server 145 operator is the value type ledger. It is preferred to be connected relationally with.

The value ledger is connected to the account ledger corresponding to the mother account of the online account corresponding to the value account of the at least one or more financial accounts corresponding to the web server 145 operating institution, The value account ledger information includes an information structure further comprising the mother account number and the mother account management institution information in the value type information including the value account number for issuing / using at least one value to the value account. Characterized in that made.

That is, as shown in FIG. 4, it is preferable that the value type ledger information included in the virtual ledger also includes an information structure including the mother account number and the mother account management institution information in the value type information.

5 is a diagram showing the configuration of the value type ledger information according to another embodiment of the present invention.

In more detail, FIG. 5 shows a web server through predetermined online account attribute information for a predetermined value type ledger stored in a predetermined ledger D / B 500 provided in a DBMS on the financial system shown in FIG. (145) illustrates an information structure for linking a real account of an operating institution in the form of an online account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. Various information configuration methods can be inferred in the ledger D / B by linking a predetermined value-type ledger into a form of an online account using a real account of the operating institution of the web server 145 through predetermined online account attribute information. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 5 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 500 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. do.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to an embodiment of the present invention, through the value account registration system shown in Figure 3, the customer for the value account registration in the form of an online account associated with the mother account as the real account of the operating institution of the web server 145 The ledger stores the web server 145 operating institution customer ledger information using the web server 145 operating institution as a financial transaction customer, and the web server 145 through the value type account registration system shown in FIG. It is desirable to store the value account customer ledger information registered in the value account of the online account type associated with the parent account which is the real account of the operating institution.

Here, the web server 145 operating institution customer ledger information and the value-type account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the value-type account is the conventional When the customer ledger of the customer who opens the value type account is already provided in the ledger D / B 500 as a financial transaction customer, the value type account customer ledger is preferably used as the customer ledger of the customer. .

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 145 management institution is relationally associated with the customer ledger of the web server 145 management institution, and the web server 145 management institution At least one of the financial accounts of the at least one financial account preferably corresponds to the parent account for processing the value-based account as an online account.

Here, the account ledger corresponding to the mother account of the online account corresponding to the value type account registered through the value type account registration system shown in FIG. 3 among the account ledgers of the web server 145 operating institution is treated as the online account. It is desirable to be associated with a value-based ledger.

The value-based account ledger comprises a value-based information configuration including a value-type account number for issuing / using at least one or more values into the value-type account, the value-type account number corresponding to the value-type information, A predetermined online account including at least one of a mother account number corresponding to a mother account for processing the value-type account as an online account among financial accounts of the web server 145 operating institution, and the web server 145 operating institution information. By including the attribute information as additional information, the value-type account is characterized in that the processing of the online account of the financial account of the web server 145 operating institution as the parent account.

6 is a diagram illustrating an information providing process for registering (or opening) a value type account according to an exemplary embodiment of the present invention.

In more detail, in FIG. 6, when the web server 145 illustrated in FIG. 3 provides a predetermined value type account user interface from the web server 145 to the customer terminal 355, the value type account application is applied from the customer terminal 355. Input (or select) predetermined value type account application information through a user interface to provide to the web server 145 through a predetermined network means, and the value type through the predetermined communication means in the web server 145. Regarding the process of providing the account application information to the information processing server 335 provided in the financial institution, those of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the present figure 6 The customer terminal 355 may infer various implementation methods for providing the value-type account application information to the information processing server 335 through the web server 145, but the present invention is Includes all of the exemplary method of estimation, is not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, the customer terminal 355 is described as providing only the value type account application information from the web server 145. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 145 to the customer terminal 355, the method of providing online account attribute information in addition to the value type account application information may be inferred from the customer terminal 355. The present invention includes an implementation method of providing the online account attribute information in the customer terminal 355, whereby the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 145 in response to a security function provided in the communication means for connecting the web server 145 and the information processing server 335 The value-type account application information (or the value-type account application information and value account security information, or online account attribute information) is encrypted and transmitted, and the information processing server 335 to the value-type account application information (or It may be inferred that the method of decrypting the value-type account application information, value-type account security information, or online account attribute information), but the present invention includes the inferred method of implementation, whereby the present invention is not limited thereto. No.

Referring to FIG. 6, the customer terminal 355 shown in FIG. 3 connects to the web server 145 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 145 is used (605). At this time, the web-based service screen provided by the web server 145 to the customer terminal 355 may be used to register the value type account. It is preferred to include a menu interface for requesting a predetermined valued account application user interface.

Accordingly, while the web server 145 provides at least one or more web-based services to the customer terminal 355 as described above, the value type account application user interface is registered with the value type account from the customer terminal 355. Periodically checks whether a predetermined valued account application user interface is requested (610), if the valued account application interface is requested from the client terminal 355 (615), the web server 145 Generate a predetermined valued account application user interface to be provided to the customer terminal 355 (or extract it from a predetermined web source D / B (not shown)) (620), and apply for the valued account through the network means. The user interface is provided to the mobile terminal (625).

Thereafter, the customer terminal 355 inputs (or selects) predetermined valued account application information through the valued account application user interface (630), and the valued account application information is applied (or purchased) by the customer. It is preferable to include at least one value account selection information for selecting at least one value account, the agreement with the terms corresponding to the value account, and at least one customer information for the customer of the value account. .

When the value type account application information is input (or selected) as described above, the customer terminal 355 transmits the value type account application information to the web server 145 through the network means (635).

Thereafter, the web server 145 receives the value account application information (or the value account application information and the value account security information, or the online account attribute information) to receive a predetermined value account D / B 330. Save to (640).

According to another exemplary embodiment of the present invention, the storing of the value-type account application information in the value-type account D / B 330 may include the web server 145 (or the web server 145 operator) and the information. It may be omitted in accordance with the business partnership agreement between the processing server 335 (or financial institution), whereby the present invention is not limited.

Thereafter, the web server 145 transmits the value type account application information to the information processing server 335 through a predetermined communication means (645), and the information processing server 335 transmits the information through the communication means. The value-type account application information provided from the web server 145 is received (650).

7 is a diagram illustrating an information providing process for registering (or opening) a value type account according to another exemplary embodiment of the present invention.

In more detail, in FIG. 7, when the web server 145 illustrated in FIG. 3 provides a predetermined value type account user interface to the customer terminal 355, the value type account application is applied to the customer terminal 355. Input (or select) and encrypt predetermined valued account application information through a user interface to provide to the web server 145 through a predetermined network means, and the value server account information is provided by the web server 145. Decoding and providing the value-type account application information to the information processing server 335 provided in the financial institution through a predetermined communication means, if the person having ordinary knowledge in the technical field to which the present invention belongs, 7 and / or modified to provide the value type account application information from the customer terminal 355 to the information processing server 335 via the web server 145 with reference to FIG. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 7.

For example, in FIG. 7, the customer terminal 355 is provided to provide the web server 145 with only the value type account application information. However, if the user has ordinary knowledge in the art to which the present invention pertains, In response to the user interface provided by the web server 145 to the customer terminal 355, the method of providing online account attribute information in addition to the value type account application information may be inferred from the customer terminal 355. The present invention includes an implementation method of providing the online account attribute information in the customer terminal 355, whereby the present invention is not limited.

In addition, if those skilled in the art to which the present invention pertains, the web server 145 in response to a security function provided in the communication means for connecting the web server 145 and the information processing server 335 The value-type account application information (or the value-type account application information and value account security information, or online account attribute information) is encrypted and transmitted, and the information processing server 335 to the value-type account application information (or the It may be inferred that the method of decrypting the value-type account application information, the value-type account security information, or the online account attribute information) may be inferred, but the present invention includes the inferred method of implementation, and the present invention is not limited thereto. .

Referring to FIG. 7, the customer terminal 355 shown in FIG. 3 connects to the web server 145 through a network means including at least one wired and / or wireless communication network (700), and the web. At least one web-based service provided by the server 145 is used (705). At this time, the web-based service screen provided by the web server 145 to the customer terminal 355 may be used to register the value-based account. It is preferred to include a menu interface for requesting a predetermined valued account application user interface.

Accordingly, while the web server 145 provides at least one or more web-based services to the customer terminal 355 as described above, the value type account application user interface is registered with the value type account from the customer terminal 355. Periodically checks if a predetermined valued account application user interface is requested (710), if the valued account application interface is requested from the client terminal 355 (715), the web server 145 Generate a predetermined value account application user interface equipped with a security function of (or extract from a predetermined web source D / B (not shown)) (720), and execute the value account application user interface through the network means. It is provided to the mobile terminal (725).

Here, the security function provided in the value type account application user interface, the value type account application information input (or selected) in the customer terminal 355 is a function for encrypting with a predetermined encryption method and / or the value type It comprises at least one function of attaching the electronic signature of the customer to the account request information, preferably in the form of a security program linked to the value-type account application user interface, wherein the security program is the value type At least one encryption key for encrypting the account application information is preferably provided.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the value-type account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 355 inputs (or selects) predetermined valued account application information through the valued account application user interface (730), and the valued account application information is applied (or purchased) by the customer. It is preferable to include at least one value account selection information for selecting at least one value account, the agreement with the terms corresponding to the value account, and at least one customer information for the customer of the value account. .

When the value type account application information is input (or selected) as described above, the customer terminal 355 transfers the value type account application information to a predetermined encryption method through a security function provided in the value type account application user interface. Encrypt (and / or attach the electronic signature of the customer to the valued account application information) (735) and transmit the encrypted valued account application information to the web server 145 via the network means. (740).

The web server 145 having received the encrypted valued account application information through the network means decrypts the valued account application information with a decryption method corresponding to the encryption method (745), and the decrypted value type. The account application information (or the value account application information, the value account security information, or the online account attribute information) is stored in the predetermined value account D / B 330 (740).

According to another exemplary embodiment of the present invention, the storing of the value type account application information in the value type account D / B 330 may include the web server 145 (or a web server 145 operating institution) and the information. It may be omitted in accordance with the business partnership agreement between the processing server 335 (or financial institution), whereby the present invention is not limited.

Thereafter, the web server 145 transmits the value type account application information to the information processing server 335 through a predetermined communication means (745), and the information processing server 335 transmits the information through the communication means. The value type account application information provided from the web server 145 is received (750).

8 is a diagram illustrating a process of processing a value type account into an online account according to an embodiment of the present invention.

In more detail, in FIG. 8, the information processing server 335 shown in FIG. 3 opens a predetermined value account based on the value account application information provided from the web server 145, and sets the value account. The process of processing the real account operated by the web server 145 operating institution as an online account as a parent account, and those skilled in the art to which the present invention pertains, refer to and / or modify the present invention. Based on the value-type account application information provided to the information processing server 335 shown in Figure 3 to process a value-based account as an online account that uses a real account operated by the web server 145 operating institution as a parent account Various implementation methods may be inferred, but the present invention includes all of the various implementation methods inferred, and the present invention is not limited thereto.

For example, in FIG. 8, only the value type account application information is provided from the web server 145 to the information processing server 335. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the value type account application information, it is possible to infer an implementation method in which online account attribute information and the like are provided to the information processing server 335. However, the present invention provides the information processing server 335 with the online account attribute information. It further includes a method of implementation provided, whereby the present invention is not limited.

In the following figure, the information processing server 335 shown in FIG. 3 is referred to as " server " for convenience.

Referring to FIG. 8, predetermined value account application information (or the value account application information) is transmitted from the web server 145 shown in FIG. 3 to the server through the process illustrated in FIGS. 6 and / or 7. And value account security information or online account attribute information), the server reads the value account application information (or the value account application information and value account security information or online account attribute information). Check if the value-based account can be opened (800).

If it is not possible to open the valued account based on the valued account application information (805), the server generates the account opening error information and provides it to the web server 145 (810), the web server 145 transmits the account opening error information to the customer terminal 355 through a predetermined network means (815).

On the other hand, if it is possible to open the value-based account based on the value-account application information (805), the server is linked to the financial system and the predetermined value-type account corresponding to the value-type account application information in connection with the financial system In operation 820, the value-type account is processed in association with the financial system as an online account using a real account operated by the web server 145 operating institution as a parent account (825).

According to an exemplary embodiment of the present invention, the server opens the account opening unit by adding a mother account number corresponding to a real account operated by the web server 145 operator to the value type ledger as shown in FIG. It is preferable to treat the ledger corresponding to the value-type account opened by 345 as a virtual account whose parent account is the real account operated by the web server 145 operator.

According to another exemplary embodiment of the present invention, the server operates an account number corresponding to the value type account in the value type ledger and a predetermined mother account corresponding to the mother account to be associated with the value type account as shown in FIG. By managing the online account attribute information including the institution information and the parent account information in a relational manner, the ledger corresponding to the value type account opened by the account establishment unit 345 is operated by the web server 145 operating institution. It is preferable to process the real account with an online account which is the parent account.

9 is a block diagram of a data processing system for providing immediate value issuance processing through advertisements according to an embodiment of the present invention.

In more detail, FIG. 9 shows a predetermined advertisement server 150 (eg, a website (or a website) associated with a predetermined web server 145 (eg, a server operating a website (or a blog or personal homepage, etc.)). A server for providing a contextual advertisement for a blog or personal homepage, etc.) is a configuration of a data processing system that provides immediate value issuance processing through an advertisement from the web server 145 to at least one customer terminal 993. If one of ordinary skill in the art to which the present invention pertains, one can infer various implementation methods for the configuration of a data processing system for providing instant value processing through the advertisement by referring to and / or modifying the drawing. Although there will be, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, a data processing system for providing an immediate value issuance process through the advertisement may include at least one customer terminal 993 having a predetermined web browser and a predetermined communication network. Web server 145 for operating a website (or blog, or personal homepage, etc.) provided to the customer terminal 993 through, and provides an advertisement to the customer terminal 993 in connection with the web server 145. Or, it is characterized in that it comprises an advertising server 150 for issuing a value to the value account of the customer registered (or opened) through the value type account registration system shown in FIG.

In this case, the advertisement server 150 is a generic term for a server provided to an advertisement provider that provides an advertisement registered through the advertisement data registration system shown in FIG. 1, and includes various portal servers, search servers, and advertisement agent servers. Characterized in that it comprises at least one or more.

Further, the contextual advertisement provides online at least one or more advertisement data matching at least one or more keywords corresponding to a context (or index word) included in a web document (or document content) corresponding to a website (or blog). It is characterized by including all the online advertising.

The customer terminal 993 is a generic term for a terminal device characterized in that the communication channel is connected to at least one web server 145 through a predetermined communication network, for which the customer terminal 993 is a predetermined communication network. And a network communication function for connecting to the mobile terminal, and at least one web browser, and a fixed terminal such as a desktop computer equipped with the network communication function and the web browser, or a semi-fixed terminal such as a notebook computer, or a portable device. It is preferable that the mobile terminal includes at least one or more portable terminals.

According to an embodiment of the present invention, the customer terminal 993 preferably comprises at least one wired terminal connected to a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, which is provided in the communication network. It is preferable to connect the communication channel with the web server 145 according to the Hyper-Text Transfer Protocol (HTTP) compatible protocol.

According to another exemplary embodiment of the present invention, the customer terminal 993 is a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based wireless communication network, an IEEE 802.11x based wireless communication network, or an IEEE 802.16x based wireless communication network. It is preferable to include at least one or more wireless terminals connected to any one of the wireless communication network, connecting the communication channel with the web server 145 in accordance with the Hyper-Text Transfer Protocol (HTTP) compatible protocol provided in the communication network. It is preferable.

After the communication channel is connected to the web server 145, the customer terminal 993 corresponds to the purpose and characteristics of the website (or blog, personal homepage, etc.) from the web server 145 through the communication channel. Receiving at least one Hyper-Text Markup Language (HTML) compatible web document (eg, * .html, * .htm, * .asp. *. Jsp, * .xml, * .wml, etc.) The received web document is output through a web browser provided in the customer terminal 993.

Those skilled in the art to which the present invention pertains, the customer terminal 993 connects the communication channel with the web server 145, and receives at least one web document from the web server 145. Since it will be familiar with the technical features to output through the web browser, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the web document received through the communication channel to the client terminal 993 may include at least one keyword (or at least one of the keyword information registered through the advertisement data registration system shown in FIG. 1). Index word).

The web server 145 includes a DBMS (DataBase Management System) having a web operation D / B for storing web operation data including at least one web document source and digital content for generating at least one web document. Characterized in that (or in conjunction with).

According to an embodiment of the present invention, the web document source of the web operation data is HTML-compatible tags and various scripts for generating a web document provided by the web server 145 to at least one customer terminal 993. It is preferable to include a code, and the data content preferably comprises at least one or more image content, sound content, multimedia content to be included in the web document.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of generating at least one web document including the web document source and digital content included in the operation data. Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the DBMS may store and store at least one web service related information (eg, member information for membership web service) in addition to the web operation D / B. Those skilled in the art will be able to easily infer various types of information or contents stored in the DBMS corresponding to each web server 145 application field, so the detailed description thereof is provided for convenience. Omit.

Referring to FIG. 9, the advertisement server 150 associated with the web server 145 may include advertisement information, keyword information, and advertisement data associated with the keyword information registered through the advertisement data registration system shown in FIG. 1. An advertisement D / B 980 for storing at least one advertisement registration information including at least one value data and deposit information for charging the advertisement (or issuing the value) and charging policy information; and providing the advertisement (or issuing the value). And a storage medium including billing information D / B 983 for storing at least one billing confirmation information and an advertisement amount information corresponding to the deposit balance information in association with the deposit balance information.

Here, the advertiser information included in the advertisement registration information may include at least one client terminal 993, store (or shopping mall) information of an advertiser and advertiser store (or shopping mall) for providing advertisement data associated with the keyword information. At least one representative product (or service) for sale in the) is preferably included.

The keyword information included in the advertisement registration information may be included in the context (or index word) of at least one web document (or document content) content provided by the web server 145 to the at least one customer terminal 993. At least one word (or syllable) associated with the advertisement data, or at least one word (or syllable) for identifying the client terminal 993 to which the advertiser is to provide the advertisement data.

The advertisement data included in the advertisement registration information may be included in the context (or index word) included in at least one web document (or document content) content provided by the web server 145 to the at least one customer terminal 993. Preferably, the keyword information includes at least one advertisement data matched with the keyword information to be transmitted to the customer terminal 993.

According to an embodiment of the present invention, the advertisement data preferably includes advertiser Uniform Resource Locator (URL) information for the advertiser's online store (or advertisement website).

After the advertisement data is provided to the customer terminal 993, when the advertisement data is clicked on the customer terminal 993, the data processing system is an online store of an advertiser corresponding to the customer terminal 993 and the advertiser URL information. It is desirable to link (or advertising website).

The value data included in the advertisement registration information includes coupon information, coupon information, discount coupon information, ticket information, gift certificate information, point information, electronic money information, and multimedia content that the advertiser will provide to the customer. The customer terminal 993 to issue value information (or value corresponding to the value information) including at least one of information, product description information, etc., and the value information (or value corresponding to the value information) to the customer. Value issuance data (eg, icon data for value issuance, value issuance image content data, etc.) is preferably included.

After the value data is provided to the customer terminal 993, when the value data (for example, the value issuance data provided to the customer terminal 993) is clicked on the customer terminal 993, a predetermined value issuance server (e.g., , Affiliated with any one of the web server 145 (or the ad server 150) to the advertiser server 990, or the web server 145 (or the ad server 150) to the advertiser server 990 A predetermined value information (or a value corresponding to the value information) corresponding to the value data (for example, coupon information, coupon information, discount ticket information, ticket information, and gift certificate information) from the server to the value account of the customer. And point information, electronic money information, multimedia content information, product description information, and the like.

Those skilled in the art will be able to infer various value data according to the intention of those skilled in the art in addition to the above-described value data, and the present invention includes all kinds of value data inferred. It is characterized by.

Deposit information for the advertisement provision (or value issuance) included in the advertisement registration information is provided to the at least one customer terminal 993 after at least one or more advertisement data matching the keyword information is provided to the customer terminal 993. When the advertisement provision (or value issuance) is confirmed by the request of), it is preferable to include the amount information pre-deposited by the advertiser in order to pay a predetermined advertisement amount corresponding to the advertisement provision (or value issue). In addition, according to the intention of the skilled person, it is preferable to further include the depositor (or advertiser) information and the account information (or virtual account information) in which the amount is deposited.

The billing policy information for the advertisement provision (or value issuance) included in the advertisement registration information is, when the advertisement provision (or value issuance) is confirmed, the confirmed advertisement provision (or among the deposits deposited by the advertiser). It is preferable that the policy information for charging the amount corresponding to the issue of value) as the advertisement amount.

The charging confirmation information stored in the charging information D / B 983 is included in the advertisement registration information through the advertisement server 150 to the customer terminal 993 (or the value type account of the customer). It is preferably made to include information for confirming the advertisement provision (or value issuance) corresponding to the advertisement data (or value data).

According to an embodiment of the present invention, when the advertisement corresponding to the advertisement data is provided to the customer terminal 993, the billing confirmation information is provided to the customer terminal 993 address information (or customer member ID information) and an advertisement. Preferably, the information includes at least one advertiser server 990 and at least one web server 145 information corresponding to the date and time information and the linked online store (or advertisement website) of the advertiser.

According to another exemplary embodiment of the present invention, when the value corresponding to the value data is issued to the value type account of the customer, the charging confirmation information is the customer terminal 993 address information (or customer member ID information) and the customer. Value account information and value information (or value corresponding to the value information) provided in the value account (e.g., coupon information, voucher information, discount coupon information, ticket information, gift certificate information, point information, Advertiser information and the advertisement server 150 for issuing (or issuing) electronic money information, multimedia content information, product description information, etc.) information, the advertisement providing date and time information, and the value information (or value corresponding to the value information). ) At least one piece of information.

The advertisement amount information stored in the billing information D / B 983 is included in the advertisement registration information when an advertisement is provided (or value issued) to the customer terminal 993 (or the value type account of the customer). It is preferable to include an advertisement fee corresponding to the advertisement provision (or value issuance) according to the charging policy information.

The deposit balance information stored in the billing information D / B 983 may include at least one advertisement amount for each advertisement provided corresponding to the advertisement amount information according to the charging confirmation information among the deposit information included in the advertisement registration information. It is preferable to include the remaining balance information.

Referring to FIG. 9, the advertisement server 150 associated with the web server 145 may include website information corresponding to a website (or blog or personal homepage) provided in the web server 145. Links advertisement output region information corresponding to the advertisement output frame (or region) provided to the client terminal 993 through a website and value issue interface information for immediate value issuance processing through the advertisement output frame (or region). It is characterized in that it comprises a storage medium (or linked) including a value issuance D / B (985) to store.

The website information includes a web server 145 associated with the advertisement server 150 (eg, at least one or more advertisement data (or value data) registered in the advertisement D / B 980). As the information corresponding to the website (or blog or personal homepage) operated by the web server 145 for generating a web document including a predetermined advertisement output frame (or region) for providing as (Or blogs or personal homepages), the website URL (Uniform Resource Locator) information, website name information, website operator information and the like is preferably included at least one or more.

The advertisement output area information is the width / length of the advertisement output frame (or area) included in the web page provided to the client terminal 993 from the website (or blog or personal homepage) corresponding to the website information. It is preferable to include area (or size) information.

Alternatively, the advertisement output frame (or region) sets a floating region (eg, an advertisement output layer including a transparent region on the web document) provided on the web document, and at least the Process one or more advertisement data (or advertisement data and value data) to be output, but output the advertisement data (or advertisement data and value data) to move in a certain direction (or random direction). If included, the advertisement output area information includes floating area information included in a web page provided to the customer terminal 993 from a website (or blog or personal homepage) corresponding to the website information. It is preferable.

The value issuance interface information corresponds to the value data through the advertisement output frame (or region) when the customer terminal 993 selects (or clicks) the value data included in the advertisement output frame (or region). It is preferable to include a user interface for immediately issuing and processing the value information (or value corresponding to the value information) to the customer value account.

Referring to FIG. 9, the web server 145 connects a communication channel to at least one or more customer terminals 993, and at least one corresponding to the website (or blog or personal homepage) through the communication channel. It characterized in that it comprises a web interface unit 900 for providing the above web document to the customer terminal (993).

The web interface 900 may include at least one HTML-compatible web document (eg, *) corresponding to the website (or blog or personal homepage) according to an HTTP-compatible protocol provided in a communication network connected to the customer terminal 993. .html, * .htm, * .asp. *. jsp, * .xml, * .wml, etc.) to connect and maintain a communication channel.

After the customer terminal 993 and the communication channel are connected, at least one web document corresponding to the web page to be provided from the web server 145 to the customer terminal 993 is generated, the web interface unit 900 ) Transmits the web document to the customer terminal 993 through the communication channel, and outputs the web document through a web browser provided in the customer terminal 993.

Referring to FIG. 9, the web server 145 may include at least one HTML compatible web document (eg, * .html) corresponding to the website (or blog or personal homepage) in association with the web operation D / B. In conjunction with the web page operation unit 910 (or web page operation means) for generating a, * .htm, * .asp. *. jsp, * .xml, * .wml, etc., and the web operation D / B A digital content management unit 915 which extracts at least one digital content to be included in the web document and transmits the generated web document to the previously transmitted customer terminal 993, and the website (or blog or personal homepage); Control the generation of at least one web document in the web page operation unit 910 according to a web page operation procedure corresponding to c), or at least to be included in the generated web document in the digital content operation unit 915. Extract one or more digital content And a web service control unit 905 (or control means) for controlling the web document to be output to the transmitted customer terminal 993. The web interface unit 900 includes the web service. The at least one web document generated by the web page operation unit 910 in connection with the control unit 905 is characterized in that for transmitting to the customer terminal 993 through the communication channel.

In addition, the web server 145 generates at least one web document corresponding to a predetermined bulletin board page in association with the web page operation unit 910 and generates the bulletin board in association with the web interface unit 900. The web document corresponding to the page is transmitted to the customer terminal 993, or predetermined bulletin board content is input from the customer terminal 993 through a bulletin board registration interface included in the web document corresponding to the bulletin board page. When received by the interface unit 900, characterized in that it comprises a bulletin board operating unit 920 for registering the bulletin board content to the bulletin board D / B.

The web service controller 905 is configured to perform the webpage operation unit 910 according to a webpage operation procedure (or a webpage request from a client terminal 993) corresponding to the website (or blog or personal homepage). And controlling to generate at least one web document corresponding to the website (or blog or personal homepage), wherein the web page operation unit 910 is connected to the web service control unit 905 to perform the control. At least one web document corresponding to a website (or blog or personal homepage) is generated.

The web document generated by the web page management unit 910 includes at least one digital content link, which corresponds to the digital content link from the customer terminal 993 receiving the web document to the web server 145. When the digital content output request is made, the digital content operation unit 915 outputs at least one digital content corresponding to the digital content link from the web operation D / B, and outputs the output digital content to the web interface unit. By transmitting to the customer terminal 993 through 900, the digital content is included in the web document transmitted to the customer terminal 993 is characterized in that the processing to be output.

In addition, the bulletin board operation unit 920 generates at least one web document corresponding to the bulletin board page in association with the web service controller 905, and the web document corresponding to the bulletin board page is the customer. There is a predetermined bulletin board registration interface for inputting at least one bulletin board content from the terminal 993 to register with the web server 145, wherein the customer terminal 993 at least one bulletin board through the bulletin board registration interface When the content is input and transmitted, the bulletin board operating unit 920 registers the bulletin board content received from the customer terminal 993 to the bulletin board D / B.

Referring to FIG. 9, the web server 145 may generate a web generated by the web page operation unit 910 in association with the web service control unit 905 for contextual advertisement of the website (or blog). The advertisement output control unit 925 (or controlling) to output a predetermined advertisement output frame (or region) on the web document corresponding to the page or the web document corresponding to the bulletin board page generated by the bulletin board manager 920. Advertisement output control means).

The advertisement output controller 925 may include at least one advertisement provided by the advertisement server 150 on a web document generated by the webpage operator 910 in response to the website (or blog or personal homepage). And at least one advertisement output frame (or region) for outputting data (or advertisement data and value data).

Here, the advertisement output frame (or region) is characterized in that it comprises a horizontal / vertical predetermined area on the web document, the advertisement server 150 provided to the customer terminal 993 receiving the web document Preferably, the link information includes link information for outputting an advertisement page including at least one or more advertisement data (or advertisement data and value data) to be output through the advertisement output frame (or region).

Alternatively, the advertisement output frame (or region) may set an advertisement output layer including a transparent area on a web document generated by the webpage operation unit 910 and the at least one advertisement output layer. Floating area that processes advertisement data (or advertisement data and value data) to be output, and outputs the output advertisement data (or advertisement data and value data) to move in a predetermined direction (or random direction). It may be made to include, by which the present invention is not limited.

Referring to FIG. 9, the advertisement server may include a web document (or document content) corresponding to the website (or blog or personal homepage) provided from the web server 145 to the customer terminal 993 through a communication network. Keyword information verification unit 935 (or keyword information checking means) for checking at least one keyword information corresponding to a context (or index word) on the keyword and matching with the keyword information in association with the advertisement D / B 980. Advertising data verification unit 945 (or data verification means) for confirming at least one or more advertising data to be identified, and the value data to confirm the keyword information and at least one or more value data in association with the advertisement D / B (980) The unit 955 (or data checking means) and the advertisement data (or advertisement data and value data) are outputted to the client terminal 993 through the advertisement output frame (or region). Characterized in that formed by a data output processing section 930 (or the output processing means) for processing.

The web server 145 provides a web page corresponding to the website (or blog or personal homepage) to the customer terminal 993 (or a web page operation unit 910 provided in the web server 145). Generates (or extracts) a web document corresponding to the website (or blog or personal homepage), the keyword information checking unit 935 is connected to the web server 145 through a communication network. At least one keyword information corresponding to a context (or index word) on a web document (or document content) corresponding to a website (or blog or personal homepage) is identified.

Alternatively, the keyword information checking unit 935 may be configured to correspond to at least a context (or index word) included in a web document source or digital content included in a web operation D / B associated with the web server 145 through a communication network. Identify one or more keyword information or at least one keyword information corresponding to a context (or index word) included in the bulletin board content included in the bulletin board D / B associated with the web server 145. .

According to the exemplary embodiment of the present invention, the method of the keyword information checking unit 935 ascertaining at least one keyword information corresponding to the context (or index word) corresponds to the website (or blog or personal homepage). Check whether the context (or index word) on the web document (or document content) includes a word (or syllable) matching the keyword information provided in the advertisement D / B 980, or the web operation D / B Check whether the word (or syllable) matching the keyword information included in the advertisement D / B 980 is included in the context (or index word) included in the web document source or digital content included in the web document source, or the bulletin board D At least one of checking whether a context (or index word) included in the bulletin board content included in / B includes a word (or syllable) that matches the keyword information included in the advertisement D / B 980. It is preferable to comprise as mentioned above.

When at least one keyword information is confirmed by the keyword information verification unit 935, the advertisement data verification unit 945 may register at least one advertisement data registered by a predetermined advertiser through the advertisement data registration system illustrated in FIG. 1. (Or at least one advertisement data matching the keyword information is identified in association with the advertisement D / B 980 storing the advertisement data and the value data).

When at least one advertisement data matching the keyword information is confirmed by the advertisement data confirming unit 945, the value data confirming unit 955 is shown in FIG. 1 in association with the advertisement D / B 980. The at least one value data registered by a predetermined advertiser is identified through the identified advertisement data registration system.

When the advertisement data matched with the keyword information (or the advertisement data and value data matched with the keyword information) is confirmed, the data output processor 930 displays the identified advertisement data (or advertisement data and value data) on the web. The server 145 processes the output to the customer terminal 993 through an advertisement output frame (or area) included in the web document provided to the customer terminal 993.

According to an embodiment of the present invention, the data output processing unit 930 may output at least one in the advertisement output frame (or region) (eg, output in a horizontal / vertical region of the advertisement output frame (or region)). After generating (or extracting) an advertisement output page including the above advertisement data (or advertisement data and value data), and transmitting the advertisement output page to the customer terminal 993 through the communication network (or the customer through the web server 145). By transmitting to the terminal 993, it is preferable that the at least one or more advertisement data (or advertisement data and value data) identified is output through the advertisement output frame (or region).

Alternatively, the advertisement output frame (or region) sets a floating region (eg, an advertisement output layer including a transparent region on the web document) provided on the web document, and at least the Process one or more advertisement data (or advertisement data and value data) to be output, but output the advertisement data (or advertisement data and value data) to move in a certain direction (or random direction). If included, the data output processing unit 930 may be output to the floating area (eg, output in the horizontal / vertical area of the advertising output frame (or area) at least one or more advertising data (or advertising data and After confirming the value data, it is transmitted to the customer terminal 993 through the communication network (or the customer terminal 99 through the web server 145). 3) is preferably processed to be output.

According to another exemplary embodiment of the present invention, the data output processor 930 outputs at least one advertisement data (or advertisement data and value data) to the customer terminal 993 through the advertisement output frame (or region). In the process, it is possible to process the output to the customer terminal 993, including the value issuance interface corresponding to the value data output on the advertisement output frame (or area), thereby the present invention is not limited No.

Referring to FIG. 9, the advertisement server includes an information receiving unit 940 (or information receiving means) for receiving advertisement providing request information (or value issuance request information) corresponding to the advertisement data from the client terminal 993. It is characterized by comprising.

When the advertisement data is output to the customer terminal 993 based on the advertisement output frame (or area) by the data output processing unit 930, the customer terminal 993 is configured to output the at least one advertisement data or Clicking (or selecting) advertising data (or value data) of any one of the value data to transmit advertisement request information (or value issue request information) corresponding to the selected advertisement data (or value data) through the communication network. The information receiving unit 940 may receive advertisement providing request information (or value issuance request information) corresponding to the advertisement data from the customer terminal 993 through the communication network.

According to the implementation method of the present invention, the value issuance request information preferably further comprises value account information of the customer to be issued a value corresponding to the value data, the value of the customer in the value issuance request information If the type account information is not included, it is preferable that the value type account information is received (or confirmed) through a separate information transmission and reception channel.

Referring to FIG. 9, when the advertisement providing request information is received from the customer terminal 993, the advertisement server may include an advertisement providing processor configured to process an advertisement corresponding to the advertisement data to be provided to the customer terminal 993. 950 (or advertisement processing means) is characterized in that it comprises.

When the advertisement providing request information is received from the customer terminal 993 by the information receiving unit 940, the advertisement providing processing unit 950 may provide an advertisement corresponding to the advertisement data to the customer terminal 993. It is characterized by processing.

According to the method of the present invention, the advertisement providing processor 950 is based on the advertiser information on the advertiser's online store (or advertisement website) corresponding to the advertisement data and the customer terminal 993 and the advertiser's online. By linking a store (or an advertising website), it is preferable to process the advertisement corresponding to the advertisement data to the customer terminal 993.

Those skilled in the art to which the present invention pertains, the advertisement providing processing unit 950 other than the advertisement providing method for linking the customer terminal 993 and the advertiser's online store (or advertising website) of those skilled in the art Various advertisement providing methods may be inferred according to the intention, but the present invention is characterized by including all the implementation methods inferred, and the present invention is not limited thereto.

Referring to FIG. 9, when the value issuance request information is received from the customer terminal 993, the advertisement server connects the advertisement output frame to the customer terminal 993 in association with the value issuance D / B 985. Identifying value issuance interface information corresponding to the advertisement output frame (or region) among at least one or more value issuance interface information associated with the website information that provided the web page including the (or region), and the advertisement output frame An interface provider 965 (or an interface providing means) for processing the identified value issuance interface to be provided to the customer terminal 993 through an area (or area), and the value issuance interface from the customer terminal 993. Information receiving unit 940 (or information receiving means) for receiving the value issuance information entered through the value-type account information included in the value issuance information Value-type account identification unit 970 (or value-type account identification means) for confirming the effectiveness and the value information (or value corresponding to the value information) corresponding to the value issuance information to be issued to the value-type account of the customer It is characterized by comprising a value issuing processing unit 975 (or value issuing processing means) to process.

When the value issuance request information is received from the customer terminal 993, the interface providing unit 965 (or interface providing means) is the website information (eg, the customer terminal 993) corresponding to the value issuance request information. Website information providing a web page including the advertisement output frame (or region) and advertisement output region information corresponding to the advertisement output frame (or region) that transmits the value issuance request information. Check the value issuance interface information corresponding to the advertisement output area information among at least one or more value issuance interface information stored in association with the website information in connection with the value issuance D / B 985, and the advertisement output frame (or Area) to process the verified value issuance interface to be provided to the customer terminal 993.

The customer terminal 993 provided with the value issuance interface through the advertisement output frame (or region) is registered (or opened) with the value type account registration system shown in FIG. 3 through the value issuance interface. Type account information and value issuance authentication information (e.g., a password corresponding to value account security information) that authorizes issuing value information (or value corresponding to value information) corresponding to the value data to the value type account. After inputting (or selecting) value issuance information including at least one), the input (or selected) value issuance information may be transmitted to the advertisement server 150 through the communication network.

When the value issuance information input through the value issuance interface is transmitted from the customer terminal 993, the information receiver 940 includes at least one of the value type account information and the value issuance authentication information through the communication network. Characterized in that it receives the issuance information.

When the value issuance information including at least one of the value type account information and the value issuance authentication information is received from the customer terminal 993, the value type account checking unit 970 is associated with the advertisement D / B 980. The value information (or the value corresponding to the value information) included in the value data corresponding to the value issuance information, and the value type account registered through the value type account registration system shown in FIG. In connection with the financial company server 155 operating the characterized in that the validity for issuing and processing the value information (or value corresponding to the value information) corresponding to the value issuance information to the value-type account of the customer.

Here, the validity check on the value-type account, value-type account validation to confirm that the value-type account of the customer is validly registered, and the value information (or value) corresponding to the value issuance information to the value-type account And value account validation to confirm that it is possible to issue and process value corresponding to the information.

The value issuing processor 975 checks the value information (or the value corresponding to the value information) corresponding to the value issuance information in connection with the advertisement D / B 980 and is shown in FIG. 3 through a communication network. Value information corresponding to the value issuance information (or value corresponding to the value information) to the value-type account of the identified customer in connection with the financial company server 155 operating a value-based account registered through the value-based account registration system Characterized in that the processing.

According to the implementation method of the present invention, the value issuance processing unit 975 issuing and processing the value information (or value corresponding to the value information) corresponding to the value issuance information to the value type account of the customer, the value issuance The processor 975 responds to the value information (or the value corresponding to the value information) to the financial company server 155 that operates the value type account registered through the value type account registration system shown in FIG. 3 through the communication network. When the value issuance details are transmitted, the financial institution server 155 preferably includes recording the value issuance details in the value type ledger.

Referring to FIG. 9, the advertisement server is processed to provide an advertisement corresponding to the advertisement data to the client terminal 993, or after the value data is issued to the value type account of the customer, the advertisement is provided. It is characterized in that it comprises a billing processing unit 960 (or billing processing means) for billing the advertising amount corresponding to (or issuing the value) from the deposit deposited by the advertiser.

The charging processing unit 960 may include charging confirmation information (eg, Cost Per Click (CPC) based charging confirmation information, or Cost Per Action (CPA) based charging confirmation information) corresponding to the advertisement providing through the advertisement providing request information. Charging confirmation information (CPM) based on cost per thousand or cost per thousand iMpression (CPM) or billing confirmation information (e.g. Cost Per Action (CPA) based billing confirmation information) corresponding to the issue of value through the value issuance request information. Characterized in that the check.

Here, the billing confirmation information (eg, Cost Per Click (CPC) based billing confirmation information) corresponding to the advertisement provision is the customer terminal 993 address information (or customer member ID information) that transmitted the advertisement provision request information. And advertisement providing date and time information including date and time information (or date and time information provided with the advertisement) that received the advertisement providing request information through a predetermined timer (not shown), and advertiser URL information included in the advertisement providing request information. And at least one advertiser server 990 information corresponding to an online store (or an advertisement website) matching the &quot;

Alternatively, the billing confirmation information (eg, Cost Per Action (CPA) based billing confirmation information) corresponding to the value issuance may include the client terminal 993 address information (or customer member ID information) that transmitted the value issuance request information. The value account information of the customer, the value information (or value corresponding to the value information) provided to the value account (e.g., coupon information, voucher information, discount coupon information, ticket information, gift certificate information, Point information, electronic money information, multimedia content information, product description information, and the like, and information corresponding to the advertisement providing date and time and value information (or value information) identified through a predetermined timer (not shown). At least one or more advertiser information for issuing (or issuing) and the advertisement server 150 is preferably included.

When the billing confirmation information corresponding to the advertisement provision (or value issuance) is confirmed, the billing processing unit 960 is associated with the advertisement data corresponding to the confirmed billing confirmation information in association with the advertisement D / B (980). Check billing policy information, check advertisement amount information for each advertisement providing corresponding to the checked billing policy information, and generate predetermined deposit balance information by subtracting the confirmed advertisement amount information from the deposit information; It is done.

Here, the advertisement amount information, the at least one advertisement (or value issuance) provided to the customer terminal 993 (or the customer value account), according to the billing policy information included in the advertisement registration information; It is preferable to include an advertisement fee corresponding to the advertisement provision (or value issue).

Thereafter, the charging processing unit 960 stores the deposit balance information in predetermined billing information D / B 983 in association with billing confirmation information and advertisement amount information corresponding to the advertisement provision (or value issuance). At least one advertisement corresponding to the advertisement data is provided until the deposit balance information is exhausted, or value information (or value corresponding to the value information) corresponding to the value data is provided to the customer. It is desirable to be issued to a value account.

10 is a diagram illustrating a method of outputting advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

In detail, FIG. 10 is connected to the advertisement server 150 in the web server 145 on the data processing system shown in FIG. 9 to the client terminal 993 through the advertisement data registration system shown in FIG. A web page structure generated (or extracted) to include an advertisement output frame (or region) for outputting registered advertisement data (or advertisement data and value data), and the advertisement data on the advertisement output frame (or region) (Or advertisement data and value data), and when selecting (or clicking) specific value data output in the advertisement output frame (or region), the selection (or click) as the advertisement output frame (or region). As an example of a method of outputting a value issuance interface corresponding to the generated value data, a person having ordinary knowledge in the art to which the present invention pertains to FIG. By referring to and / or modifying, one can infer various implementation methods for outputting advertisement data (or advertisement data and value data) through the website (or blog), but the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method illustrated in FIG. 10.

For example, in FIG. 10, for convenience, a web document (or document content) corresponding to a web page corresponding to the website (or blog or personal homepage) for operating the web page configuration in the web server 145 is output. At least one web document (or document content) frame (or region) and one advertisement output frame for outputting advertisement data (or advertisement data and value data) registered through the advertisement data registration system shown in FIG. Or an area), the present invention is not limited to the number and the output position of the advertisement output frame (or region), and the number and the number of the advertisement output frame (or region) according to the intention of the skilled person The output position is preferably modified in various ways.

Referring to FIG. 10, a web page corresponding to a web document provided to the customer terminal 993 through a web server 145 on the data processing system shown in FIG. 9 is operated by the web server 145. A web document (or document content) frame (or area) for outputting at least one web document (or document content) corresponding to the website (or blog or personal homepage), and on the web document (or document content). And at least one advertisement output frame (or region) for outputting at least one advertisement data (or advertisement data and value data) matching the keyword corresponding to the context (or index word).

The advertisement output frame (or region) is the web document (or document content) frame (or region) of at least one or more advertisement data (or advertisement data and value data) registered through the advertisement data registration system shown in FIG. At least one advertisement data (or advertisement data and value data) matching the keyword corresponding to the context (or index word) on the at least one web document (or document content) to be output is output.

According to an exemplary embodiment of the present invention, the at least one advertisement data (or advertisement data and value data) output to the advertisement output frame (or region) is text-based advertisement data (or advertisement data and value data). It is preferable to comprise).

According to another exemplary embodiment of the present invention, the at least one advertisement data (or advertisement data and value data) output to the advertisement output frame (or region) is based on image data based advertisement data (or advertisement data). Value data).

According to another exemplary embodiment of the present invention, the at least one advertisement data (or advertisement data and value data) output in the advertisement output frame (or region) is based on multimedia content in the form of a video (or flash). It is preferable to include the advertising data (or advertising data and value data) of the.

According to an exemplary embodiment of the present invention, when advertisement data and value data registered by a specific advertiser are simultaneously outputted to the advertisement output frame (or area) through the advertisement data registration system shown in FIG. 1, the value data is the advertisement. It is preferable to output to a certain area near the data.

Alternatively, when advertisement data registered by a particular advertiser and value data are simultaneously output to the advertisement output frame (or region) through the advertisement data registration system shown in FIG. 1, the value data includes advertisement data including a predetermined advertisement region. It is preferable to output in a certain area.

According to an exemplary embodiment of the present invention, when specific advertisement data is selected (or clicked) from at least one advertisement data (or advertisement data and value data) output in the advertisement output frame (or region) shown in FIG. The client terminal 993 preferably transmits the advertisement providing request information corresponding to the selected (or clicked) advertisement data to the advertisement server 150. In response, the advertisement server 150 transmits the advertisement terminal 150 to the client terminal 993. ) And the advertiser's online store (or advertising website).

According to another exemplary embodiment of the present invention, when specific value data is selected (or clicked) from at least one advertisement data (or advertisement data and value data) output in the advertisement output frame (or region) shown in FIG. The client terminal 993 preferably transmits the value issuance request information corresponding to the selection (or click) value data to the advertisement server 150. In response, the advertisement server 150 transmits the value issuance D. The value issuance interface corresponding to the value issuance request information in connection with the B / B 985, and the value information (or value corresponding to the value information) corresponding to the value issuance request information is shown in FIG. Through the advertisement output frame (or area), a value issuance interface for immediate issuance to a value-type account registered (or opened) through a type-account registration system Characterized in that the output processing.

When the value issuance interface is output through the advertisement output frame (or area), the customer terminal 993 is registered (or opened) through the value type account registration system shown in FIG. 3 through the value issuance interface. Enter (or select) value issuance information including at least one of value account information and value issuance authentication information corresponding to a value type account, and the value issuance information is entered (or selected) through the communication network. It is preferably sent to 150.

According to another exemplary embodiment of the present invention, the value issuance information and the value information (or value corresponding to the value information) input (or selected) through the value issuance interface may be transferred from the customer terminal 993 through a communication network. It may be directly transmitted to the financial company server 155 operating the value-type account, thereby the present invention is not limited.

11 illustrates a process of providing advertisement data (or advertisement data and value data) through a website (or blog) according to an embodiment of the present invention.

In more detail, in FIG. 11, when the client terminal 993 on the data processing system shown in FIG. 9 accesses the website (or blog or personal homepage), the advertisement server 150 shown in FIG. At least one advertisement data (or registered with the client terminal 993 through the advertisement data registration system shown in FIG. 1) in association with the web server 145 corresponding to the website (or blog or personal homepage). Advertising data and value data), and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 11 to provide advertising data through the website (or blog). (Or advertising data and value data) may be inferred from various implementation methods, but the invention includes all implementation methods inferred above. It is made, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 11, the customer terminal 993 on the data processing system shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 11, when the terminal requests a web page corresponding to the website (or blog or personal homepage) by accessing a web server 145 on the data processing system shown in FIG. 9 through a communication network ( 1100, the web server 145 generates an advertisement output frame (or area) in a web document for providing a web page corresponding to the requested website (or blog or personal homepage) to the terminal ( Or 1105), and transmits the web document including the advertisement output frame (or region) to the terminal through the communication network to be output (1110).

In this case, the advertisement server 150 on the data processing system shown in FIG. 9 may include the advertisement output frame (or region) included in the web document (or document content included in the web document) through a communication network. At least one keyword information corresponding to) is checked (1115).

According to the exemplary embodiment of the present invention, the method of the at least one keyword information corresponding to the context (or index word) by the advertisement server 150 may include a web corresponding to the website (or blog or personal homepage). Check that the context (or index word) on the document (or document content) includes a word (or syllable) that matches the keyword information provided in the advertisement D / B 980, or is provided in the web operation D / B. Whether the word (or syllable) that matches the keyword information included in the advertisement D / B 980 is included in the context (or index word) included in the web document source or digital content, or the bulletin board D / B At least one or more of checking whether a context (or an index word) included in the bulletin board content included in the message includes a word (or syllable) that matches the keyword information included in the advertisement D / B 980. Be made of W are preferred.

If at least one keyword information corresponding to the context (or index word) included in the advertisement output frame (or region) in the web document (or document content included in the web document) is not identified (1120), the advertisement server ( 150 confirms at least one advertisement data to be output to the advertisement output frame (or region) in association with the advertisement D / B 980 (1125).

According to an exemplary embodiment of the present invention, the advertisement server 150 may output at least one of at least one advertisement data registered through the advertisement data registration system shown in FIG. 1 through the advertisement output frame (or region). It is preferable to confirm the above advertisement data.

In addition, the advertisement server 150 checks whether at least one value data associated with the confirmed advertisement data is registered in connection with the advertisement D / B 980 (1130).

If at least one value data associated with the advertisement data is not registered (1135), the advertisement server 150 processes the identified advertisement data to be output through the advertisement output frame (or region) (1140). ).

On the other hand, if at least one value data associated with the advertisement data is registered (1135), the advertisement server 150 may output through the advertisement output frame (or region) in association with the advertisement D / B 980. At least one value data is identified (1145), and the verified advertisement data and the value data are output through the advertisement output frame (or region) (1150).

On the other hand, if at least one or more keyword information corresponding to the context (or index word) included in the advertisement output frame (or region) in the web document (or document content included in the web document) is identified (1120), the ad server 150 ) Confirms at least one advertisement data associated with the identified keyword information in association with the advertisement D / B 980 (1155).

According to an exemplary embodiment of the present invention, the advertisement server 150 may output at least one advertisement to be matched with the identified keyword information among at least one advertisement data registered through the advertisement data registration system shown in FIG. It is desirable to verify the data.

In addition, the advertisement server 150 checks whether at least one value data associated with the identified keyword information is registered in connection with the advertisement D / B 980 (1160).

If at least one or more value data associated with the identified keyword information is not registered in the advertisement D / B 980 (1165), the advertisement server 150 transmits the advertisement through the high output frame (or region). The processed advertisement data is output (1140).

On the other hand, if at least one or more value data associated with the identified keyword information is registered in the advertisement D / B 980 (1165), the advertisement server 150 is linked with the advertisement D / B 980. At least one value data associated with keyword information is identified (1170), and the identified advertisement data and value data are output through the advertisement output frame (or region) (1175).

According to an embodiment of the present invention, the advertisement server 150 may be output in the advertisement output frame (or region) (eg, output in the horizontal / vertical region of the advertisement output frame (or region)) at least one or more. After generating (or extracting) an advertisement output page including advertisement data (or advertisement data and value data), it is transmitted to the customer terminal 993 through the communication network (or through the web server 145). 993), the at least one advertisement data (or advertisement data and value data) identified through the advertisement output frame (or region) is output.

Alternatively, the advertisement output frame (or region) may set a floating region (eg, an advertisement output layer including a transparent region on the web document) provided on the web document, and the at least one advertisement output layer may be configured in the advertisement output layer. Process one or more advertisement data (or advertisement data and value data) to be output, but output the advertisement data (or advertisement data and value data) to move in a certain direction (or random direction). When included, the advertisement server 150 may output at least one advertisement data (or advertisement data and value) that can be output to the floating region (eg, can be output within a horizontal / vertical region of the advertisement output frame (or region)). Data), and then, transmits to the customer terminal 993 through the communication network (or to the customer terminal 993 through the web server 145). To processing so that the output W is preferred.

12 is a diagram illustrating a process of providing an advertisement corresponding to advertisement data through a website (or blog) according to an embodiment of the present invention.

More specifically, FIG. 12 shows at least one advertisement data and value to a client terminal 993 on the data processing system shown in FIG. 9 through the process of providing advertisement data (or advertisement data and value data) shown in FIG. After the data is outputted, the specific advertisement data is selected (or clicked) among the advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) in the customer terminal 993 shown in FIG. In this case, the advertisement server 150 shown in FIG. 9 relates to a process of providing an advertisement corresponding to the selected (or clicked) advertisement data to the customer terminal 993, which is generally known in the art. For those of ordinary skill in the art, the process of providing an advertisement corresponding to the advertisement data through the website (or blog) by referring to and / or modifying the drawing 12. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, in FIG. 12, the advertisement server 150 shown in FIG. 9 provides an advertisement corresponding to the advertisement data to the client terminal 993 and then includes a billing process corresponding to the advertisement provision. Although shown in the drawings, the present invention is by no means limited, and the billing process may be omitted or provided under other conditions according to the intention of those skilled in the art, and the present invention is not limited thereto.

12, the customer terminal 993 on the data processing system shown in Fig. 9 is referred to as " terminal " for convenience.

Referring to FIG. 12, at least one advertisement data and value data is transmitted to a customer terminal 993 on the data processing system shown in FIG. 9 through a process of providing advertisement data (or advertisement data and value data) shown in FIG. 11. After outputting the terminal, if the terminal selects (or clicks) specific advertisement data included in an advertisement target among advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) (1200). The terminal transmits the advertisement providing request information corresponding to the selected (or clicked) advertisement data to the advertisement server 150 through a communication network (1205), and correspondingly, the advertisement server 150 transmits the advertisement server 150 to the terminal. In step 1210, an advertisement corresponding to the advertisement providing request information is provided.

Here, the advertisement providing request information may include at least one link information and parameter information which can confirm that the terminal selects (or clicks) the advertisement data.

According to an exemplary embodiment of the present invention, the advertisement server 150 links the customer terminal 993 and the advertiser's online store (or advertisement website) corresponding to the advertisement data in response to the advertisement provision request information. It is desirable to.

If it is confirmed that an advertisement corresponding to the advertisement providing request information is provided to the terminal (1215), the advertisement server 150 processes the charging for the advertisement providing (1220).

According to the exemplary embodiment of the present invention, the advertisement server 150 may charge the billing information (eg, Cost Per Click) based billing confirmation information or CPA (Cost Per Click) corresponding to the advertisement provision through the advertisement provision request information. It is preferable to check billing information based on action) or billing information based on cost per mile (CPM).

Here, the billing confirmation information (eg, Cost Per Click (CPC) based billing confirmation information) corresponding to the advertisement provision is the customer terminal 993 address information (or customer member ID information) that transmitted the advertisement provision request information. And advertisement providing date and time information including date and time information (or date and time information provided with the advertisement) that received the advertisement providing request information through a predetermined timer (not shown), and the advertisement providing request information (or value issuance request information). At least one advertiser server 990 information corresponding to the online store (or advertising website) matching the advertiser URL information contained in) is preferably made.

When the charging confirmation information corresponding to the advertisement is confirmed, the advertisement server 150 confirms the charging policy information associated with the advertisement data corresponding to the confirmed charging confirmation information in association with the advertisement D / B 980. And, it is preferable to check the advertisement price information for each advertisement provided corresponding to the confirmed charging policy information, and to generate predetermined deposit balance information by subtracting the confirmed advertisement amount information from the deposit information.

Here, the advertisement amount information, when providing at least one or more advertisements to the customer terminal 993 (or the customer value receiving means 995), the advertisement is provided according to the charging policy information included in the advertisement registration information It is preferable to include the advertising charge corresponding to.

According to an embodiment of the present invention, the advertisement server 150 stores the deposit balance information in predetermined billing information D / B 983 in association with billing confirmation information and advertisement amount information corresponding to the advertisement provision, It is preferable to complete the charging process corresponding to the advertisement provision.

FIG. 13 illustrates a process of immediately issuing and processing value information (or value corresponding to value information) corresponding to value data through a website (or blog) according to an embodiment of the present invention.

More specifically, FIG. 13 shows at least one advertisement data and value to a customer terminal 993 on the data processing system shown in FIG. 9 through the process of providing advertisement data (or advertisement data and value data) shown in FIG. After the data is output, the specific value data is selected (or clicked) from the advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) in the customer terminal 993 shown in FIG. Then, the value server (or value corresponding to the value information) corresponding to the value data selected (or clicked) from the advertisement server 150 shown in FIG. As a person of ordinary skill in the art to which the present invention pertains, the website (or blog) is referred to and modified with reference to FIG. Various implementation methods for the process of issuing value information (or value corresponding to the value information) corresponding to the value data may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

In the following Figure 13, the customer terminal 993 on the data processing system shown in Figure 9 is referred to as "terminal" for convenience.

Referring to FIG. 13, at least one advertisement data and value data is transmitted to a customer terminal 993 on the data processing system shown in FIG. 9 through the process of providing advertisement data (or advertisement data and value data) shown in FIG. 11. After outputting, if the terminal selects (or clicks) specific value data among the advertisement data (or advertisement data and value data) output through the advertisement output frame (or region) (1300), the terminal receives the terminal. In operation 1305, the value issuance request information corresponding to the selected (or clicked) value data is transmitted to the advertisement server 150 through a communication network.

Here, the value issuance request information preferably includes at least one or more link information and parameter information confirming that the value data is selected (or clicked) by the terminal.

Receiving the value issuance request information, the ad server 150 confirms the website information and advertisement output area information corresponding to the value issuance request information (1310), and confirms the link in conjunction with the value issuance D / B (985) Check the value issuance interface information corresponding to the identified advertisement output area information among the at least one value issuance interface information associated with the website information (1315), and the identified value issuance interface to the terminal through the communication network; Providing and processing through the advertisement output frame (or region) (1320).

Thereafter, the terminal inputs value issuance information including at least one or more value type account information and value issuance authentication information for the value issuance through the value issuance interface, and transmits the value issuance information to the advertisement server 150 (1325). In response, the advertisement server 150 confirms the validity of the value account of the customer registered through the value account registration system shown in FIG. 3 through a communication network (1330).

Here, the validity check on the value-type account, value-type account validation to confirm that the value-type account of the customer is validly registered, and the value information (or value) corresponding to the value issuance information to the value-type account And value account validation to confirm that it is possible to issue and process value corresponding to the information.

If the value account validity is not confirmed (1335), the advertising server 150 generates the value account validity error information and transmits to the terminal (1340).

On the other hand, when the validity of the value-type account is confirmed (1335), the advertisement server 150 in conjunction with the advertisement D / B (980) and the value information (or value corresponding to the value information) corresponding to the value issuance information In operation 1340, the identification value information (or the value corresponding to the value information) is issued to the value type account of the customer in connection with the financial company server 155 through a communication network (1345).

According to an embodiment of the present invention, the advertisement server 150 issuing and processing value information (or value corresponding to the value information) corresponding to the value issuance information to the value type account of the customer, the advertisement server ( Value issuance corresponding to the value information (or value corresponding to the value information) by the financial company server 155 operating the value type account registered through the value type account registration system shown in FIG. When the details information is transmitted, the financial institution server 155 preferably includes recording the value issuance details in the value type ledger.

In addition, the advertisement server 150 processes the charging for issuing value information (or value corresponding to the value information) (1370).

According to an embodiment of the present invention, the ad server 150 preferably checks the billing confirmation information (eg, CPA (Cost Per Action) based billing confirmation information) corresponding to the issue of the value through the value issuance request information. .

Here, the billing confirmation information (for example, cost per action (CPA) based billing confirmation information) corresponding to the value issuance, and the customer terminal 993 address information (or customer member ID information) that transmitted the value issuance request information; The value account information of the customer, the value information (or value corresponding to the value information) provided to the value account (e.g., coupon information, voucher information, discount coupon information, ticket information, gift certificate information, Point information, electronic money information, multimedia content information, product description information, and the like, and information corresponding to the advertisement providing date and time and value information (or value information) identified through a predetermined timer (not shown). At least one or more advertiser information for issuing (or issuing) and the advertisement server 150 is preferably included.

When the charging confirmation information corresponding to the value issuance is confirmed, the advertisement server 150 confirms the charging policy information associated with the advertisement data corresponding to the confirmed charging confirmation information in association with the advertisement D / B 980. And, it is preferable to check the advertisement price information for each advertisement provided corresponding to the confirmed charging policy information, and to generate predetermined deposit balance information by subtracting the confirmed advertisement amount information from the deposit information.

Here, the advertisement amount information corresponds to the issue of the value according to the charging policy information included in the advertisement registration information when at least one value is issued to the customer terminal 993 (or the value type account of the customer). It is preferable to include an advertising fee.

According to an embodiment of the present invention, the advertisement server 150 stores the deposit balance information in predetermined billing information D / B 983 in association with billing confirmation information and advertisement amount information corresponding to the issue of the value, It is desirable to complete the charging process corresponding to the issue of the value.

According to the present invention, in the process of providing contextual advertisement through the website (or blog or personal homepage), in addition to the advertisement, coupons, use tickets, discount tickets, tickets, gift certificates, points, electronic money, multimedia, etc. By processing to issue value information (or value corresponding to the value information) including at least one or more content, product description, etc., there is an advantage of inducing the active purchase of the customer.

According to the present invention, in the process of providing a contextual advertisement through the website (or blog or personal homepage), a separate web is processed by inputting information necessary for value issuance through a frame (or region) in which the advertisement is provided. There is an advantage of issuing a value that induces the active purchase of the customer conveniently without a site link connection.

Claims (4)

When providing advertisement data registered by a specific advertiser to a terminal through a website (or blog), the advertisement data includes value information corresponding to a specific advertisement product corresponding to the advertiser, and when selecting (or clicking) the advertisement data, On the browser program provided in the terminal through the website (or blog), including an information input interface for inputting the value-type account (or account or card or ID) information of the customer for issuing the value corresponding to the value information Output processing means for processing to be output through the advertisement output area; The terminal inputs and transmits the value-type account (or account or card or ID) information of the customer through the information input interface that is output by selecting (or clicking) advertisement data output through the website (or blog). A value account (or account or card or ID) verification means for verifying (or authenticating) the validity of the value account (or account or card or ID) information; Value issuance means for issuing and depositing a value corresponding to the value information to the value-type account (or account or card or ID) of the confirmed (or authenticated) customer; Value issue system. When providing advertisement data registered by a particular advertiser to a terminal through a website (or blog), the advertisement data includes value information corresponding to a specific advertisement product corresponding to the advertiser, and when selecting (or clicking) the advertisement data, The website (or blog) including link information for providing the terminal with an information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing value corresponding to the value information. Output processing means for processing to be output through an advertisement output region on a browser program provided in the terminal; When the terminal selects (or clicks) the advertisement data output through the website (or blog), the information input to input and transmit the value-type account (or account or card or ID) information of the customer to the advertisement output area Interface providing means for providing an interface; Value type that checks (or authenticates) the validity of the value type account (or account or card or ID) information when the value type account (or account or card or ID) information is inputted and transmitted through the information input interface. Means for checking an account (or account or card or ID); Value issuance means for issuing and depositing a value corresponding to the value information to the value-type account (or account or card or ID) of the confirmed (or authenticated) customer; Value issue system. When providing advertisement data registered by a specific advertiser to a terminal through a website (or blog), the server includes value information corresponding to a specific advertisement product corresponding to the advertiser in the advertisement data, and selecting (or clicking) the advertisement data. Browser, provided in the terminal through the website (or blog), including an information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing value corresponding to the value information. Processing to be output through the advertisement output area on the program; The terminal inputs and transmits the value-type account (or account or card or ID) information of the customer through the information input interface that is output by selecting (or clicking) advertisement data output through the website (or blog). Verifying (or authenticating) the value account (or account or card or ID) information at the server; Issuing and depositing a value corresponding to the value information to the value-type account (or account or card or ID) of the confirmed (or authenticated) in the server; through the advertisement output area characterized in that it comprises a Value issuance method. When providing advertisement data registered by a specific advertiser to a terminal through a website (or blog), the server includes value information corresponding to a specific advertisement product corresponding to the advertiser in the advertisement data, and selecting (or clicking) the advertisement data. The website (or blog) including link information for providing the terminal with an information input interface for inputting value-type account (or account or card or ID) information of a customer for issuing value corresponding to the value information. Processing to be output through an advertisement output area on a browser program provided in the terminal; When the terminal selects (or clicks) the advertisement data output through the website (or blog), the server inputs and transmits the value type account (or account or card or ID) information of the customer to the advertisement output region. Providing an information input interface; When the value type account (or account or card or ID) information is input and transmitted through the information input interface, the server verifies (or authenticates) the validity of the value type account (or account or card or ID) information. step; Issuing and depositing a value corresponding to the value information to the value-type account (or account or card or ID) of the confirmed (or authenticated) in the server; through the advertisement output area characterized in that it comprises a Value issuance method.

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