WO2019054735A1 - Virtual currency issuing system based on currency standards and method for managing virtual currency - Google Patents

Abstract

The present invention relates to a virtual currency issuing system based on currency standards, and a method for managing said virtual currency, and more specifically, to a virtual currency issuing system based on currency standards and a method for managing said virtual currency, wherein virtual currency corresponding to the consumer selling price of a product according to the purchase of the product by the purchaser is issued to the purchaser by using the profit margin between the consumer selling price of the product being sold and the wholesale delivery price at which the product is supplied by a factory to a wholesale dealer, and the virtual currency can be used in the same manner as cash not only at a service store that is the principal agent of a virtual currency service, but also at an advertising member store of an arbitrary product seller registered as an advertising member paying an advertising fee in cash, such that the virtual currency can serve the role of a standard currency.

Description

Virtual currency issuing system based on currency dominance and its virtual money management method

The present invention relates to a virtual currency issuance system and a virtual currency management method based on the currency dominant system, and more particularly, to a system and method for managing a virtual currency issuance system , The virtual money corresponding to the commodity consumer selling price according to the purchase of the purchaser is paid to the buyer and the cash payment for the virtual currency is paid not only for the service shop as the virtual money service subject but also for the virtual money as the main system To a virtual money issuing system and a virtual money managing method based on a currency dominant system in which an advertisement member store of an arbitrary merchandiser who is registered as an advertising member can use the virtual money as cash.

Since the commencement of commercial transactions in the past, mankind has devised a method for more convenient transactions since the transaction was carried out through the exchange of early objects, and this necessity has led to the invention of money. The initial currency was the gold standard for gold coins, which provided the safety and trust of the currency issued. The gold monetary system was then used as a way to ensure the safety of the underlying currency. Of course, the current key currency, the dollar, has been abandoned by the gold standard since the 1971 Bratton Woods Declaration and is based on market confidence. There is no doubt, however, that the basis of trust in currencies lacking other confidence is based on the dollar reserves of the developing countries or the gold reserves of each country, even if not 100%.

Some of these characteristics of money are also applied in marketing, so that various point systems and reward systems are introduced into the market and used as virtual currency instead of formal currency, and bit coin which can be used as the same transaction means as money as an alternative currency , And etherium have been invented and circulated. These various means of substituting money are used either as a marketing tool or as a substitute for real money, but the virtual currency of the point type, which is awarded with rewards, is only operated by the reliability of the company issuing virtualization abolition. There is no standard system to guarantee, there is a lack of versatility and it is available only to the purchasing member in such a way that only the sales product of the retailer is purchased, or is used as a simple marketing means which is not universal because of limited use.

In addition, the general reward point is a simple reward accumulation method in which the amount of payment is 1: 1 compared to the amount of use, and there is a lack of credibility and versatility as a result of this, limited use place, limited cumulative sales place, There is a lack of liquidity in order to secure the number of points that can be utilized by the operation method such as necessity, and a non-monetary characteristic that is stronger in marketing than monetary factors such as disappearance of unused points owned after a certain time.

The virtual currency such as the bit coin operated to be used for the same purpose as the currency gradually increases the versatility of the transaction, but the currency of each country being traded is not approved, and the total issued amount determined from the beginning of the birth, And it is used mainly for tax evasion and illegal money laundering. As a result, price fluctuation occurs like a commodity rather than money, and there is a problem that a speculative factor that exceeds the basic category of the currency market in which money is traded strongly occurs.

In addition, the method of acquiring virtual money is based on the total issued amount at the time of release, so that hidden gold in the ground is mined from a gold mine, and is operated in such a manner that it is acquired through the Internet.

In addition, the amount of virtual money obtained is different from the amount that the monetary value is stable, and the amount of money to be issued is not stipulated, and the total amount is set from the beginning, This is because the monetary value is reduced and the virtual monetary value is designed to surge naturally. The monetary value of the monetary value is stagnant. There is a lack of trust and there is still a need to solve many problems until it is recognized and developed as a generalized currency.

Accordingly, an object of the present invention is to provide a method and system for providing a virtual currency corresponding to a commodity consumer selling price of a commodity purchased by a purchaser to a purchaser by using a profit between a consumer selling price of the commodity sold and a wholesale delivery price supplied to the wholesaler The virtual money can be used at the same time as the virtual money at an advertising member store of an arbitrary commodity seller who is registered as an advertisement member paying a cash advertisement cost so that the virtual money can be used as a main system A virtual currency issuing system and a virtual currency managing method based on a monetary standard system.

In order to achieve the object of the present invention, a virtual currency issuance system based on a currency dominant system includes: acquiring member identification information of a purchaser who intends to purchase a commodity; And transmits the membership request information for requesting accumulation of the exchange point to the purchaser, and transmits the membership identification information and the virtual number within the first percentage of the consumer sales price when the virtual money is selected A plurality of merchandise sales units for sending virtual money settlement request information including a money settlement amount and requesting settlement processing; And registering the purchaser as a virtual money service purchasing member by storing the member information including the member identification information and registering the commodity sales department as one of a service store and an advertisement member store, The exchange point corresponding to the consumer selling price is collected for the member identification information, and when the purchaser purchases an arbitrary commodity from an arbitrary commodity sales department, the exchange point accumulated according to the purchase of the previous commodity is divided into a second percentage The virtual money settlement request information is accumulated and managed by the virtual money settlement request information, and the virtual money settlement request information is converted into the virtual money corresponding to the virtual money settlement request information, And a virtual money issuing management unit And that is characterized.

Wherein the merchandise sales unit comprises: a service store product merchandise unit configured at a service store as a subject of the virtual currency service; And an advertisement member merchandise merchandise sales unit for registering an advertisement fee for registering an advertisement member in the virtual currency issue management unit and registering the advertisement fee as an advertisement member.

The merchandise sales unit may include a sales storage unit for storing a consumer sales price for each product identification information; A sales display unit; A sales communication unit connected to the wire / wireless data communication network and performing data communication with the virtual money issue management unit connected to the wire / wireless data communication network; An information detecting unit detecting and outputting at least one of member identification information and payment information of the purchasing member; An information input unit for receiving and outputting at least one of the member identification information, payment information, and consumer sales price; And acquiring member identification information of the purchaser through the member information acquiring unit, accumulation request information for requesting the purchaser to accumulate the exchange point including the consumer selling price of the commodity to be sold and the member identification information, When the payment means including the virtual currency is selected as the payment means for purchasing the goods by the purchaser, the member identification information and the virtual money within the first percentage of the consumer sale price And a sales controller for transmitting the virtual money settlement request information including the settlement amount and the settlement information obtained through the settlement information obtaining unit to perform settlement processing.

Wherein the sales control unit comprises: a goods payment monitoring unit for monitoring whether a payment request for an arbitrary commodity is generated; A product consumer acquiring unit for acquiring and outputting a consumer selling price for a product through any one of the information detecting unit and the information input unit when a product payment request is generated; A member information acquisition unit for acquiring member identification information of the purchaser through any one of the information input unit and the information detection unit; A currency conversion processing unit for transmitting, to the virtual currency issuance management unit through the sales communication unit, accumulation request information for requesting accumulation of the exchange point to the buyer including the consumer selling price of the merchandise to be sold and the member identification information; And a virtual money settlement amount within a first percentage of the consumer sales price and a payment amount obtained through the payment information obtaining unit when the payment means including the virtual money is selected as a payment means for purchasing goods by the purchaser, And a settlement processor for performing settlement processing by transmitting the virtual money settlement request information including information on the settlement price to the user, wherein the currency exchange processor calculates a currency exchange point corresponding to the consumer sale price upon acquiring the consumer sale price, Calculating section; And a sales point for the merchandise to be sold and the member identification information to the buyer, and transmits the purchase request information to the virtual currency issuance management unit via the sales communication unit And an accumulating portion.

The first percentage is less than 100% of the consumer selling price, and the second percentage is less than 50% of the consumer selling price.

The virtual money issue management unit includes a member DB for storing member information including member identification information of a purchasing member who is a purchaser, and a product DB for an advertising member commodity sales department, which is a commodity sales department operated by an advertisement member for providing the virtual money service. An advertisement member DB for storing advertisement sales information, advertisement member information including the advertisement member identification information, and advertisement cost information for advertisement expenses paid by the advertisement member, a service shop DB for storing service shop information, A virtual money DB including a cumulative exchange point for each purchasing member and virtual money holding amount information accumulated cumulatively; And stores the member information including the member identification information to register the purchaser as a virtual money service purchasing member, stores the advertisement information of the advertisement member, advertisement member information, and advertisement cost information in the advertisement member DB, And stores the exchange point corresponding to the consumer selling price in the member identification information upon receipt of the accumulation request information from the merchandise sales department, The virtual currency settlement request information is converted into virtual currency corresponding to the purchase of the previous goods at the time of purchase, and is matched to the member identification information for cumulative management. When the virtual currency settlement request information is received, The virtual money is subtracted from the money amount by the virtual money payment amount, Article characterized in that it includes a server control unit to perform processing.

The server control unit includes a purchasing member registering unit for storing the member information including the member identification information and registering the purchaser as a virtual money service purchasing member and a server for registering the purchaser member information of the advertising member, A member registration unit including an advertisement member registration unit for storing information in the advertisement member DB and registering the information as an advertisement member for the advertisement member store; And stores the exchange point corresponding to the consumer selling price at the time of receiving the accumulation request information from the merchandise sales department in association with the member identification information, A virtual money issuing unit for converting the exchange points corresponding to the second percentage among the cumulative exchange points stored in accordance with the purchase of the previous commodity to the corresponding virtual currency within a second percentage of the purchase amount, A virtual money settlement processing unit for subtracting the virtual money amount accumulated from the virtual money amount accumulated for the member identification information upon receiving the virtual money settlement request information to perform a virtual money settlement process; And an advertisement cost calculation unit for calculating an advertisement cost for joining the advertisement member when registering the advertisement member, transmitting the advertisement cost to the advertisement member, confirming the deposit of the advertisement cost, and providing the advertisement cost to the member registration unit.

The advertisement cost calculation unit calculates a certain amount of advertising cost for a certain period of time at the time of joining the advertisement member and the advertisement member and transmits the advertisement cost to the advertisement member and confirms the deposit of the advertisement cost to the advertisement member, The advertisement member registering unit may register the advertisement member and maintain the advertisement member according to whether the advertisement charge is input from the advertisement cost calculator at a predetermined periodic interval.

The system comprises: a receiving and receiving unit for receiving and displaying the exchange point and the virtual currency amount information, which is connected to the virtual currency issuing management unit through the wire / wireless data communication network to the terminal of the purchasing member and managed in correspondence with the member identification information of the purchasing member, Further comprising a user terminal unit for transmitting the virtual money transfer request information requesting transfer of the transfer money amount within the virtual money amount including the money information to the bank account of the purchasing member to the virtual money issue management unit, When receiving the virtual money transfer request information, acquires the account information for the bank account, and if the virtual money amount accumulated for the purchasing member is larger than the transfer amount, transfers the transfer amount to the bank account of the account information And a virtual money transfer processing unit for receiving the virtual money transfer processing unit.

According to another aspect of the present invention, there is provided a virtual currency management method for a virtual currency issuing system, the method comprising: acquiring member identification information of a purchaser who intends to purchase a product, A money exchange point accumulation requesting step of transmitting accumulation request information requesting accumulation of exchange points to the purchaser including a price and the member identification information; The virtual money issuance management unit accumulates exchange points corresponding to the consumer selling price at the time of receiving the accumulation request information with respect to the member identification information, and when the purchaser purchases an arbitrary commodity from an arbitrary commodity sales department, A virtual money accumulating step of converting the exchange points within a second percentage of the consumer selling price of the purchased commodity among the accumulated cumulative exchange points to the corresponding virtual currency, and accumulating and matching the member identification information; The merchandise sales department transmits the virtual money settlement request information including the member identification information and the virtual money settlement amount within the first percentage of the consumer sales price when the virtual money is selected as a payment means for purchasing goods of the purchaser, A requesting virtual money settlement request process; And a virtual money settlement process of performing a virtual money settlement process by subtracting the virtual money settlement amount from the accumulated virtual money with respect to the member identification information upon receipt of the virtual money settlement request information by the virtual currency issue management unit .

The method further includes: a registration process of registering an advertisement member providing the virtual money service providing the virtual money and a purchase member capable of receiving the virtual money service through the virtual money issue management unit The virtual money transaction request process and the virtual money payment request process are performed by the service selling point product selling unit of the service selling point which is the virtual money service service and the advertising member selling point product selling unit of the advertisement member selling point operated by the advertisement member .

The virtual money issuance management unit may receive the virtual money from the user terminal unit of the user through the merchandise sales unit, A purchasing member registration step of receiving and storing the member information in the member DB and registering the member information; And the virtual money issue management unit receives advertisement costs from a seller who sells an arbitrary commodity and stores advertisement member information, commodity selling unit information, and advertisement cost information including the advertisement member identification information of the seller, which is the seller, in the advertising member DB And an advertisement member registration step of providing an exchange point through the merchandise sales unit and registering as an advertisement member providing a virtual money service for providing a virtual money settlement process.

The advertising member registration step may include: an advertisement member information registration step of storing the advertisement member information, product sales department information, and advertisement cost information in an advertising member DB; A step of checking whether or not an advertisement charge is deposited to check whether the advertisement cost of the advertisement cost information is deposited; And monitoring the receipt of the accumulation request information and the virtual money settlement request information from the merchandise sales department of the advertisement member when the advertisement payment is confirmed, providing exchange points according to purchase of the purchasing members through the merchandise sales unit, And a service start step of providing a virtual money service for providing processing.

The first percentage is within 100% of the consumer selling price of the purchased product, and the second percentage is within 50% of the consumer selling price.

The method includes the steps of: receiving and displaying the exchange point and the virtual currency amount information, wherein the user terminal unit accesses the virtual currency issuance management unit via the wire / wireless data communication network and is managed corresponding to the member identification information of the purchasing member, A virtual money transfer requesting step of transferring virtual money transfer request information requesting transfer of a transfer amount within the virtual currency amount to a bank account of the purchasing member to the virtual currency issue management unit; And the virtual money issuance management unit acquires the account information for the bank account upon receipt of the virtual money transfer request information, and if the virtual money amount accumulated for the purchasing member is larger than the transfer amount, And transferring the virtual money to the bank account of the information.

And the account information is acquired by allowing the virtual currency issuance management unit to input the member information as one of the member information when registering the purchase member.

The method comprises the steps of: receiving, by the user terminal unit, a terminal unit of a member purchasing member connected to the virtual currency issuance management unit via a wired / wireless data communication network and exchange point and virtual currency amount information managed in correspondence with the member identification information of the purchasing member, The virtual money transfer request information requesting transfer of the transfer amount within the virtual money amount to the other purchasing member including the member identification information of the remittance purchasing member, the transfer amount information, and the member identification information of the other purchasing member A virtual currency transfer requesting step of transferring the virtual money transfer request to the virtual currency issuing management unit; And a server control unit of the virtual money issue management unit, when receiving the virtual money transfer request information, transmits the virtual money cumulatively managed for the member identification information of the remittance purchasing member included in the virtual money transfer request information to the member identification And accumulating the accumulated virtual money in the member identification information of the other purchasing member by the virtual money transfer process.

The step of checking whether or not the advertisement payment is carried out further includes a step of determining whether the advertisement member is maintained according to whether the advertisement member registration unit is depositing the advertisement charges at the predetermined period period, And if it is determined that the advertisement member is maintained in the process of determining whether the advertisement member is maintained or not.

The present invention has the effect of providing a strong virtual currency service that secures reliability by establishing a monetary base system and securing currency liquidity by providing a virtual currency based on a monetary standard system and completely eliminating speculative property.

In addition, the present invention provides a method for providing a virtual currency to a customer by giving up a time profit as a price difference between a consumer sales price and a wholesale delivery price, which is a core structure in which a seller issues a virtual currency, It is possible to provide the consumer with the same virtual currency as the exchange value of many actual nominal currencies.

 In addition, the present invention can purchase a virtual money, which is paid by a consumer, at a service outlet of a virtual currency issuance system or at an affiliated advertising member store by selling virtual currency at the same exchange value as the nominal currency corresponding to the consumer selling price In this way, sellers can sell more products and increase sales by providing consumers with the perception that the products they sell are free from the value of discounts.

In addition, the present invention provides a means to coexist with a small business owner by making it possible to use a virtual currency at an advertising member store that provides advertising expenses to a local retail store of a service retailer rather than a service retailer that sells any product, It has the effect of being active and contributing to regional development.

1 is a diagram illustrating a configuration of a virtual currency issuing system based on a currency dominant system according to the present invention.

2 is a diagram showing the detailed configuration of a merchandise sales section of a virtual money issuing system according to the present invention.

FIG. 3 is a detailed block diagram of a virtual money issuing management unit of the virtual money issuing system according to the present invention.

4 is a flowchart illustrating a virtual money management method of the virtual money issuing system according to the present invention.

FIG. 5 is a flowchart illustrating a member registration method among the virtual money management methods of the virtual money issuing system according to the present invention.

6 is a flowchart illustrating a virtual money accumulation method among the virtual money management methods of the virtual money issuing system according to the present invention.

FIG. 7 is a flowchart illustrating a virtual money transfer method among the virtual money management methods of the virtual money issuing system according to the present invention.

Hereinafter, a configuration and operation of a virtual currency issuing system based on the currency dominant system according to the present invention will be described in detail with reference to the accompanying drawings, and a virtual money management method in the system will be described.

1 is a diagram illustrating a configuration of a virtual currency issuing system based on a currency dominant system according to the present invention.

1, a virtual money issuing system according to the present invention includes a merchandise sales unit 200 and a virtual money issue management unit 400. The virtual money issuance system includes a user terminal unit 100 and an advertisement member server unit 300, As shown in FIG.

The user terminal unit 100, the commodity sales unit 200, the advertisement member server unit 300 and the virtual currency issue management unit 400 are connected to each other through wired / wireless data communication network 10, .

The wired / wireless data communication network 10 includes at least one of a wide area network (WAN) including a WiFi network, a mobile communication network such as a 3G (3G), 4G, and 5G network, a WiBro network, It is a data communication network in which one or more are combined.

The user terminal unit 100 may be any one of the mobile terminal 101 and the computer terminal 102 as a terminal unit of an advertising member who is a purchaser and a small business owner but is preferably a mobile terminal 101. [

The user terminal unit 100 accesses the virtual money issuing management unit 400 through the wired or wireless data communication network 10 using either an application or a web based and inputs information for registering as a purchasing member or an advertising member, 400).

When the user terminal unit 100 is the terminal unit of the purchasing member, the user terminal unit 100 acquires from the virtual currency issuing management unit 400 the purchase details of each commodity sales department (dealer) The converted money point converted into money, and the accumulated virtual money amount information.

If the user terminal unit 100 is the terminal unit of the advertising member, the user terminal unit 100 receives various information such as the amount of virtual money applied to the product sold by the virtual currency issue management unit 400, Display.

The merchandise sales department 200 may be an online shopping mall server 201 or the like configured to perform a payment process for a consumer sale price of a product purchased by a buyer with a terminal unit constituting a merchandise store for selling a product, Point of sale (POS) system 202 of the POS system. In addition, the product selling unit 200 may be an unmanned vending machine connected to the online.

The product sales department 200 includes a service sales shop product sales department 200 installed at a service shop, which is a retail store directly managed by the head office providing the virtual money service according to the present invention, and a predetermined advertisement cost And an advertising member store sales department 200 installed in an advertisement member store providing a virtual money service after providing the virtual money service. The advertising member may be an offline small business owner or an online small shopping mall operator. Further, the advertisement member may be a corporation.

The merchandise sales department 200 according to the present invention obtains the customer's selling price and the member identification information for the purchaser of the commodity to be purchased by the purchaser registered as the purchasing member, When the virtual money is selected at the time of selecting the payment means, the virtual money payment including the member identification information and the virtual money payment amount within a certain percentage of the consumer selling price is generated, And transmits the request information to request the settlement processing. The member identification information may be a unique virtual money service membership number or a telephone number of the mobile terminal 101 of the purchaser.

The virtual money settlement may be made for the whole consumer selling price or may be used only within a certain percentage of the consumer selling price as described above. For example, if the selling price of a consumer is 10,000, all 10,000 won may be paid in virtual currency, and some of the selling products may have a virtual currency within 5,000 won, which is within 50% It would be desirable to be able to use it. In the latter case, a general cash settlement or card settlement can be performed for the balance of 5,000 won.

Also, the merchandise sales department 200 may calculate the exchange point corresponding to the consumer sale price, and transmit the exchange point by including it in the accumulation request information. The exchange point may be provided within 100% of the selling price of the consumer, preferably 50% or more and less than 100%, and especially 100% may provide more profit to the buyer.

The advertisement member server unit 300 manages the advertisement member store product sale units 200 managed when the advertisement member is a corporation that is not a small business owner.

The virtual currency issue management unit 400 generates member identification information for a user who wishes to subscribe to the virtual money service, stores member information including member identification information for the user, and registers the member information as a purchasing member, (200) is registered as one of a service retailer and an advertisement member retailer and manages the information generated by each of them.

The virtual currency issuance management unit 400 stores exchange points corresponding to the consumer selling price at the time of receiving the accumulation request information for the member identification information, and when the purchaser purchases any commodities from an arbitrary commodity selling unit 200 Converting the exchange points within the second percentage of the consumer sale price of the currently purchased goods among the cumulative exchange points stored in accordance with the previous purchase of the goods to the corresponding virtual currency and accumulating and managing the same by matching the member identification information, When the request information is received, the virtual money settlement process is performed by subtracting the virtual money settlement amount accumulated within the accumulated virtual money amount with respect to the member identification information. The second percentage may be determined by the difference between the consumer selling price and the wholesale delivery price, and preferably be within 50% of the consumer selling price.

2 is a diagram showing the detailed configuration of a merchandise sales section of a virtual money issuing system according to the present invention.

2, the product sales department 200 includes a sales storage unit 210, a sales display unit 220, a sales communication unit 230, an information detection unit 240, an information input unit 250, and a sales control unit 260 .

The sales storage unit 210 stores a program area for storing a control program for controlling the operation of the product selling unit 200 according to the present invention, a temporary area for temporarily storing data generated during the execution of the control program, And a data area for semi-permanently storing data to be generated and data necessary for executing the control program. In the data area, a sales consumer price corresponding to the product identification information, a product description, and the like may be stored.

The sales display unit 220 displays the sales user interface means including the information acquisition means of the merchandise to be sold, the member identification information acquisition means, the payment means selection means, and the payment information acquisition means according to the present invention, Graphic information, an icon, a still image, a moving image, or the like, through the user terminal 100, the merchandise information including the selling price of the merchandise, the member information corresponding to the acquired member identification information, and the virtual currency service information of the member Display. The virtual currency service information may be accumulated exchange point information cumulatively stored for the member, accumulated virtual money amount information, and the like.

The sales communication unit 230 is connected to the wired or wireless data communication network 10 by wire or wireless and transmits data communication with the virtual currency issue management unit 400, the advertisement member server unit 300, .

The information detecting unit 240 includes a barcode reader for obtaining product identification information and member identification information from a barcode such as a barcode or a membership card of a product, a camera for photographing the product and the membership card and outputting a still image, And a card reader for reading information such as member identification information and card information from the card chip.

The information input unit 250 is integrally formed with a screen of a keyboard and a sales display unit 220 capable of inputting a plurality of numbers and characters and outputs a position signal corresponding to a position of a screen to be touched, And a touch pad for inputting information by the character input means displayed on the touch panel.

The sales control unit 260 includes a goods payment monitoring unit 261, a goods consumer acquisition unit 262, a member information acquisition unit 263, a wholesale delivery price acquisition unit 264, a currency exchange processing unit 270, and a payment processing unit 280 To control the overall operation of the product sales department 200 according to the present invention.

Specifically, the goods payment monitoring unit 261 monitors the information detecting unit 240 and the information input unit 250 to monitor whether a goods settlement event is generated.

* The merchandise consumer acquiring unit 262 acquires the merchandise consumer selling price for the merchandise to be purchased by an arbitrary buyer when the merchandise settlement event is generated through the merchandise settlement monitoring unit 261. [ The selling price of the consumer may be obtained by directly inputting by the seller through the information input unit 250 or may be acquired by the sales storing unit 210 and the virtual currency issuing management unit 400, and the advertisement member server unit 300. [0060]

The member information obtaining unit 263 obtains the member identification information of the purchaser through any one of the information input unit 250 and the information detecting unit 240.

The wholesale delivery price acquisition unit 264 acquires the wholesale delivery price from any one of the sales storage unit 210, the virtual currency issue management unit 400 and the advertisement member server unit 300 in correspondence with the product identification information.

The exchange processor 270 transmits accumulation request information for requesting the purchaser to accumulate the exchange point including the consumer selling price of the merchandise to be sold and the member identification information to the sales communication unit 230 through the virtual currency issuance To the management unit (400).

The exchange processor 270 includes a currency conversion point calculator 271 for calculating a currency exchange point corresponding to a consumer's selling price of the commodity and accumulation request information including the consumer's selling price, And a currency conversion point accumulation unit 272 for transferring the money to the issue management unit 400. [

The point calculation unit 271 may calculate the conversion point to 100% of the consumer selling price or may be calculated in consideration of the wholesale delivery price, but it is preferable that the point calculation unit 271 calculates 100% of the consumer selling price. In the former case, if the consumer's selling price is 10,000 won, the exchange point will be 10,000 points.

The settlement processing unit 280 displays on the sales display unit 220 the settlement means selection user interface means capable of selecting one of the plurality of settlement means including the virtual money settlement means according to the present invention, When the general payment means is selected through the payment means selection section 281 or when the general payment means and the virtual money payment means mixed payment are selected, the general payment means selection means 281 selects the general payment means And a virtual money settlement processing unit 283 for performing a virtual money settlement process in accordance with the selection of the virtual money settlement means.

The general payment processing unit 282 may include cash settlement, card settlement, T-money, Samsung Pay, T-pay settlement, and the like.

The virtual money settlement processing unit 283 may be configured to set the member identification information and a predetermined percentage (hereinafter referred to as " first percentage ") of the consumer sales price when the payment means including the virtual currency is selected as the payment means for purchasing the goods by the purchaser ) And the settlement information obtained through the settlement information obtaining unit, and transmits the settlement processing to the user. The first percentage (%) may be 100% or less than 50%.

That is, as described above, the virtual money settlement may be made for the whole of the consumer selling price (100% of the consumer selling price) or within 50% of the consumer selling price. However, it is desirable that the settlement of virtual money should be made within 100% of the selling price of the consumer.

FIG. 3 is a detailed block diagram of a virtual money issuing management unit of the virtual money issuing system according to the present invention.

3, the virtual money issuance management unit 400 includes a server storage unit 410, a server communication unit 420, and a server control unit 430.

The server storage unit 410 includes a member DB 411, a virtual money DB 412, an advertisement member DB 413 and a service store DB 414, And stores a consumer sales price and a wholesale selling price.

The member DB 411 stores purchase member information including member identification information, user information, registered store information, and the like. The user information may include information such as a name, a telephone number, and an address of a user who is a purchasing member. The registered store information may be information on a goods store frequently used by the user.

The virtual currency DB 412 stores the cumulative exchange points and the virtual money hold amount information stored for each purchasing member, and stores the virtual money payment amount information for each member.

The advertisement member DB 413 stores advertisement member identification information, advertisement member information, product sales department information, advertisement cost information, and the like. The advertising member information may include the location of the merchandise store to be sold, the name of the representative, the telephone number, information on the merchandise, and the like. The product sales department information may include product sales department identification information capable of identifying the product sales department 200 for each advertising member on-line, access information for connecting the product sales department 200, and the like. The merchandise sales department identification information may be any one or more of a device number, a MAC address, an Internet Protocol (IP) address, and the like unique to the merchandise sales department 200, An ID and a password for logging on to the issue management unit 400, and the like. The advertisement cost information may include an advertisement fee paid by an advertisement member. The advertisement member DB 413 may store the virtual money settlement processing amount information per advertisement member.

The service store DB 414 stores store identification information, store information, product sales department information, and the like for a service store, which is a product store operated directly by the head office.

The server communication unit 420 connects to the wired / wireless data communication network 10 by wire, and performs data communication with other devices connected to the wired / wireless data communication network 10.

The server control unit 430 includes a member registering unit 440, a virtual money issuing unit 450, a virtual money settlement processing unit 460, an advertisement cost calculating unit 470, an information providing unit 480 and a virtual money transfer processing unit 490 And controls the overall operation of the virtual money issue management unit 400 according to the present invention.

The member registration unit 440 includes a purchase member registration unit 441 and an advertisement member registration unit 442.

The purchasing member registration unit 441 provides the purchasing member registration user interface means to the purchasing member user terminal unit 100 and acquires the purchasing member information through the purchasing member registration user interface means, And registered as a purchasing member of the virtual money service according to the present invention.

The advertisement member registration unit 442 provides the advertisement member registration user interface unit to the user terminal unit 100 of the advertisement member and obtains the advertisement member information through the advertisement member registration user interface unit, ) And registers it as an advertising member.

The advertisement member registration unit 442 displays the advertisement cost calculated by the advertisement cost calculation unit 470 to be described later through the advertisement member registration user interface unit and if the payment of the advertisement cost is confirmed through the advertisement cost calculation unit 470 to be described later And may be configured to register as an advertising member.

The virtual currency issuing unit 450 includes a server point accumulating unit 451 and a virtual money accumulating unit 452. [

The server point accumulating unit 451 extracts the purchasing member identification information included in the accumulation request information when the accumulation request information is received from the goods selling unit 200 through the server communication unit 420, The exchange point corresponding to the second percentage of the consumer's selling price of the currently purchased commodity is stored in the virtual money accumulation unit 452 . The second percentage may be applied in consideration of the consumer sales price and the wholesale delivery price, and it is preferable that the second percentage is determined within a maximum of 50%.

The virtual money accumulating unit 452 converts the virtual money amount corresponding to the exchange point into the virtual money amount corresponding to the second percentage of the selling price from the server point accumulating unit 451, do.

For example, if 10,000 points are to be paid to the purchasing member A according to the purchase of the commodity with the selling price of 10,000 at the present time, and 10,000 points of exchange points are accumulated with respect to the purchasing member A according to the purchase of the previous commodity, The point accumulating unit 451 cumulatively stores 5,000 points at the previous 10,000 points, and outputs 5,000 points, which is 50% of the 10,000 won point of the previous accumulated accumulated points, to the virtual money accumulating unit 452. Then, the virtual money accumulating unit 452 accumulates and accumulates the 5000 points in the virtual money holding amount of the previous purchasing member A after converting the 5,000 points into the virtual money 5,000 won. The virtual currency exchange may be configured to be performed for every previous cumulative exchange point each time a commodity is purchased, or may be configured to be exchanged only when the user desires.

When the virtual money settlement requesting unit 460 receives the virtual money settlement requesting information from the virtual currency issuing management unit 400 through the server communication unit 420, the virtual money settlement processing unit 460 notifies the purchasing member of the purchasing member identification information included in the virtual money settlement request information If it is determined that the accumulated virtual money amount is greater than or equal to the virtual money settlement amount included in the virtual money settlement request information, and if the virtual money amount is larger than the virtual money settlement amount, the virtual money amount is subtracted from the virtual money amount And transmits the settlement processing result to the merchandise sales unit 200 through the server communication unit 420. [0050]

The advertisement cost calculation unit 470 calculates the advertisement cost in a predetermined period unit such as one month, one year, etc., at the time of registering as an advertisement member or at the time of registering an advertisement member, After the advertisement member is registered, the user terminal 100 requests the user terminal 100 to pay the advertisement fee for a certain period of time, confirms whether or not the advertisement cost is paid, and provides the advertisement member registration unit 442 or the advertisement member DB 413, And stores the delivery information.

The information providing unit 480 receives the virtual money service information from the user terminal unit 100 of the purchasing member in the virtual currency DB 412, Information such as purchase details purchased through the sales department 200, exchange points held according to the purchase of goods, and virtual money holding amount are provided through either a web-based or an application-based one.

The virtual money transfer processing unit 490 receives a virtual money transfer request for requesting a transfer of the transfer from the user terminal unit 100 of the purchasing member within the virtual money holding amount to the corresponding purchasing member by either the web- The virtual money amount corresponding to the transfer amount included in the virtual money transfer request information is subtracted from the virtual money holding amount to the account of the bank account information included in the virtual money transfer request information, Transfer the corresponding cash to the bank account.

In addition, the virtual currency transfer processing unit 490 may be configured to transfer the virtual currency and exchange points held between the purchasing members. For example, when an arbitrary purchasing member receives, via the user terminal unit 100, the member identification information of the sender, the electronic money amount (remittance amount) to be transferred (transferred), and the member of the recipient purchasing member After the virtual money transfer request information including the identification information is received and the electronic money amount of the remittance amount is excluded from the cumulative stored virtual money amount for the member identification information of the sender of the sender, The virtual money corresponding to the remittance amount is accumulated and stored in the cumulative managed virtual money holding amount, thereby performing the remittance processing of the virtual money.

In addition, the server control unit 430 may further include a exchange point transaction unit 500 for allowing the exchange member to exchange points between the purchasing members.

4 is a flowchart illustrating a virtual money management method of the virtual money issuing system according to the present invention. Will be described with reference to FIG. 4 and from the viewpoint of the server control unit 430 of the virtual money issue management unit 400. FIG.

In order to operate the virtual money service of the present invention as a member, the server control unit 430 registers the users as purchasing members and registers the online and offline small business owners and companies as advertisement members to provide the virtual money service as described above S111). As described above, the advertisement member must pay the advertisement fee at one time when the user joins the membership, or pay the advertisement fee at the time of joining the membership and after the membership.

The server control unit 430 checks whether a product purchase event is generated according to whether or not the purchase request information is received from the goods sale unit 200 (S113), and if a product purchase event occurs, And virtual money accumulation (S115). The virtual money accumulation may be configured to be accumulated only when purchasing a product through a service outlet.

The server control unit 430 monitors whether the virtual money settlement request information is received from the goods sale unit 200 and checks whether a virtual money settlement request is generated (S117). If a virtual money settlement request is generated, the server control unit 430 performs a virtual money settlement process (S119).

FIG. 5 is a flowchart illustrating a member registration method among the virtual money management methods of the virtual money issuing system according to the present invention, and is a detailed flowchart illustrating step S111 of FIG.

Referring to FIG. 5, when a member registration request is generated (S211), the server control unit 430 determines whether it is a purchase member registration (S213) or an advertisement member registration (S215).

If it is a purchase member registration, the server control unit 430 provides the purchase member registration user interface means to the user terminal unit 100 and checks whether purchase member information is acquired through the purchase member registration user interface means (S217).

When the purchase member information is obtained, the server control unit 430 generates the member identification information and provides the member identification information to the user terminal unit 100 (S219). Then, the server control unit 430 stores the purchase member information in the member DB 411, (S221).

The user who wishes to register as the purchasing member can request the issuance of the membership card through the purchasing member registration user interface means and receive at least one of the physical card and the digital card including the member identification information according to the request . The physical card may be delivered to the home by receiving the home address of the user, and the digital card may be issued to the mobile terminal 101 of the user terminal unit 100 of the user.

If the advertisement member is registered, the server control unit 430 provides the advertisement member registration user interface unit to the user terminal unit 100 and checks whether the advertisement member information including the advertisement condition information is inputted through the advertisement member registration user interface unit (S223).

When the advertisement member information including the advertisement condition information is inputted, the server control unit 430 calculates the advertisement cost according to the advertisement condition information and displays the advertisement cost through the advertisement member registration user interface means to request the advertisement cost to be paid (S225).

The server control unit 430 monitors whether or not the advertisement charge is deposited (S227). When the advertisement charge is deposited, the server control unit 430 deposits the advertisement cost as cash for the role of the virtual money dominant system (S229) (Step S231), and checks whether registration of the store information is requested (step S233).

When the registration of the store information is requested, the server control unit 430 stores the advertisement member information including the advertisement condition information, the goods store information, the product selling unit information, and the like in the advertisement member DB 413 as an advertisement member (S235).

6 is a flowchart illustrating a virtual money accumulation method among the virtual money management methods of the virtual money issuing system according to the present invention.

Referring to FIG. 6, the server control unit 430 obtains the consumer's selling price of the product from the received accumulation request information (S311). The consumer selling price may be obtained from a product DB (not shown) that defines a wholesale delivery price and a consumer selling price for each product that can be configured in the server storage unit 410. In this case, the accumulation request information should include the product identification information.

The server control unit 430 obtains the wholesale delivery price for the commodity (S313). Step S313 may not be performed according to the embodiment. The wholesale delivery price may be obtained from the accumulation request information when the product sales department 200 transmits the information in the accumulation request information, or may define the wholesale delivery price and the consumer sale price for each product included in the server storage unit 410 May be obtained from a product DB (not shown).

When the commodity consumer selling price, the consumer selling price and the wholesale supply price are obtained, the server control unit 430 stores the exchange point corresponding to the consumer selling price for the purchasing member corresponding to the member identification information included in the accumulation request information (S315), and the previous accumulation exchange point is loaded (S317).

The server control unit 430 converts the exchange points within the second percentage of the sales price among the accumulated exchange points to the virtual currency (S319) and accumulates the exchange points within the second percentage S321).

FIG. 7 is a flowchart illustrating a virtual money transfer method among the virtual money management methods of the virtual money issuing system according to the present invention.

Referring to FIG. 7, the server control unit 430 monitors whether a virtual money transfer event is generated from an arbitrary user terminal unit 100 (S411).

When a virtual money transfer request is generated, the server control unit 430 provides the virtual money reserve, that is, the virtual money reserve amount accumulated for the member, to the user terminal unit 100 and requests the user terminal unit 100 to input the transfer money amount (S413).

After the input of the transfer amount, the server control unit 430 checks whether the virtual money transfer money transfer request is generated by receiving the virtual money transfer request information including the virtual money transfer amount from the user terminal unit 100 (S415).

When the transfer request is generated, the server control unit 430 loads the virtual money holding amount (S417), and confirms whether the holding amount is larger than the transfer amount (S419).

If the amount of virtual money held is smaller than the transfer amount, the server control unit 430 transmits the amount-of-insufficiency notification information indicating that the amount of insufficient amount is insufficient to the user terminal unit 100 (S425).

On the other hand, if the held amount is larger than the transfer amount, the server control unit 430 acquires transfer bank account information (S421), and transfers the cash for the virtual money transfer amount to the bank account information (S423). The transfer bank account information may be inputted and stored at the time of registering the purchase member, or may be input by providing the transfer interface information input user interface means to the user terminal unit 100 at each transfer request.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. It will be easily understood. It is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, it is intended to cover various modifications within the scope of the appended claims.

[Description of Symbols]

100: user terminal unit 101: mobile terminal

102: computer terminal 200: commodity sales department

201: Service retailer product sales department 202: Advertising member store product sales department

210: Sales storage unit 220: Sales display unit

230: sales communication unit 240: information detection unit

250: Information input unit 260: Sales control unit

261: commodity payment monitoring section 262: commodity consumer acquiring section

263: Member Information Acquisition Unit 264: Wholesale Supply Price Acquisition Unit

270: Currency exchange processor 271: Currency exchange point calculator

272: Money exchange point accumulation unit 280: Payment processing unit

281: payment means selection unit 282: general payment processing unit

283: Virtual currency settlement processing unit 300: Advertisement member server unit

400: Virtual currency issue management unit 410:

411: Member DB 412: Virtual Currency DB

413: Advertiser member DB 414: Service shop DB

420: server communication unit 430: server control unit

440: Member registration unit 441: Purchasing member registration unit

442: Advertiser member registration unit 450: Virtual currency issuing unit

451: server point accumulation unit 452: virtual money accumulation unit

460: Virtual currency settlement processing unit 470:

480: Information providing unit 490: Virtual money transfer processing unit

Claims (19)

Acquiring member identification information of a purchaser who wishes to purchase a commodity, transmitting accumulation request information for requesting accumulation of the exchange point to the purchaser including a consumer selling price of the commodity to be sold and the member identification information, When a virtual money is selected as a payment means according to purchase of a buyer, virtual money settlement request information including the member identification information and a virtual money settlement amount within a first percentage of the consumer sale price is transmitted to request a payment process Product sales department; And The merchant selling unit registers the purchaser as one of a service selling shop and an advertisement member selling shop by registering the purchaser as a virtual money service purchasing member by storing the member information including the member identification information, The exchange point corresponding to the consumer selling price is accumulated for the member identification information, and when the purchaser purchases an arbitrary commodity from an arbitrary commodity sales department, the exchange point accumulated according to the purchase of the previous commodity is added to the second percentage The virtual currency settlement request information is converted into a corresponding virtual currency and accumulated and managed according to the member identification information, and when the virtual money settlement request information is received, the virtual money settlement amount is subtracted from the accumulated virtual money for the member identification information, And a virtual money issuing management unit Virtual currency issued by the system is also based on the currency bonwije that feature. The method according to claim 1, The merchandise sales unit, A service sales shop product sales unit configured at a service sales shop that is the subject of the virtual money service; And And an advertising member store sales unit for registering the advertising money for the advertisement member registration in the virtual money issue management unit as an advertisement member. The method according to claim 1, The merchandise sales unit, A sales storage unit for storing a consumer selling price of each product identification information; A sales display unit; A sales communication unit connected to the wire / wireless data communication network and performing data communication with the virtual money issue management unit connected to the wire / wireless data communication network; An information detecting unit detecting and outputting at least one of member identification information and payment information of the purchasing member; An information input unit for receiving and outputting at least one of the member identification information, payment information, and consumer sales price; And Acquiring member identification information of the purchaser through the member information acquiring unit, accumulating accumulation request information for requesting accumulation of the exchange point to the purchaser including the consumer selling price of the merchandise to be sold and the member identification information, When the payment means including the virtual money is selected as the payment means for purchasing the goods by the purchaser, the member identification information and the virtual money payment within the first percentage of the consumer sale price are transmitted to the virtual money issuing management unit through the communication unit, And a sales controller for transmitting the virtual money settlement request information including the amount of money and the settlement information obtained through the settlement information obtaining unit to perform settlement processing. The method of claim 3, The sales control unit, A commodity payment monitoring unit for monitoring whether a payment request for an arbitrary commodity is generated; A product consumer acquiring unit for acquiring and outputting a consumer selling price for a product through any one of the information detecting unit and the information input unit when a product payment request is generated; A member information acquisition unit for acquiring member identification information of the purchaser through any one of the information input unit and the information detection unit; A currency conversion processing unit for transmitting, to the virtual currency issuance management unit through the sales communication unit, accumulation request information for requesting accumulation of the exchange point to the buyer including the consumer selling price of the merchandise to be sold and the member identification information; And When the payment means including the virtual currency is selected as the payment means for purchasing the goods by the purchaser, the virtual money settlement amount within the first percentage of the consumer sales price, and the payment information obtained through the payment information obtaining unit And a settlement processor for performing settlement processing by transmitting the virtual money settlement request information, The currency exchange processor, A conversion point calculation unit for calculating and outputting a conversion point corresponding to the consumer selling price when acquiring the consumer selling price; And Generating a payment request information requesting the purchaser to accumulate the exchange point including the consumer selling price of the commodity to be sold and the member identification information, and transmitting the exchange request point to the virtual currency issuance management unit via the sales communication unit And a virtual currency issuing system based on the currency dominant system. 5. The method of claim 4, Wherein the first percentage is less than 100% of the consumer sales price, and the second percentage is less than 50% of the consumer sales price. The method according to claim 1, The virtual currency issue management unit, A merchandise DB for storing member information including member identification information of a purchasing member who is a purchaser, and a merchandise sales section identification information for an advertising member merchandise sales department which is a merchandise sales department operated by an advertising member for providing the virtual currency service An advertisement member DB for storing advertising information of the advertisement member, information on sales department, advertisement member information including the advertisement member identification information, and advertisement cost information about the advertisement fee paid by the advertisement member, a service store DB for storing service shop information, And a virtual money DB including accumulated virtual money holding amount information accumulated and accumulated; And Stores the member information including the member identification information, registers the purchaser as a virtual money service purchasing member, stores the advertisement information of the advertisement member, advertisement member information and advertisement cost information in the advertisement member DB, And stores the exchange point corresponding to the consumer selling price in the member identification information upon receipt of the accumulation request information from the merchandise sales department, and when the purchaser purchases an arbitrary commodity from an arbitrary commodity sales department The virtual currency settlement unit converts the money exchange points accumulated in accordance with the previous purchase of the goods into the corresponding virtual currency to match and manage the member identification information cumulatively, The virtual money settlement amount is deducted from the amount of money, Wherein the virtual currency issuing system comprises: a server control unit for performing a transaction processing on the virtual currency based on the currency default system. The method according to claim 6, The server control unit, A purchase member registering unit for storing the member information including the member identification information and registering the purchaser as a virtual money service purchasing member, and a billing server for registering the advertisement sales information, advertisement member information, A member registering unit including an advertisement member registering unit for registering the advertisement member store as an advertisement member for the advertisement member store, And stores the exchange point corresponding to the consumer selling price at the time of receiving the accumulation request information from the merchandise sales department in association with the member identification information, A virtual money issuing unit for converting the exchange points corresponding to the second percentage among the cumulative exchange points stored in accordance with the purchase of the previous commodity to the corresponding virtual currency within a second percentage of the purchase amount, A virtual money settlement processing unit for subtracting the virtual money amount accumulated from the virtual money amount accumulated for the member identification information upon receiving the virtual money settlement request information to perform a virtual money settlement process; And And an advertisement cost calculation unit for calculating an advertisement fee for joining the advertisement member when registering the advertisement member, transmitting the advertisement cost to the advertisement member, confirming the deposit of the advertisement cost, and providing the advertisement fee to the member registration unit Based virtual currency issuing system. 8. The method of claim 7, The advertisement- The advertisement member registering unit may calculate a predetermined amount of advertisement fee for the advertisement member at the time of joining the advertisement member and the advertisement member at a predetermined period, transmit the calculated amount to the advertisement member, confirm the deposit of the advertisement cost, The advertisement member registration unit, And the advertisement member is determined to maintain the advertisement member and the advertisement member according to whether the advertisement charge is inputted from the advertisement cost calculation unit at a predetermined periodic period. 8. The method of claim 7, Receiving and displaying the exchange point and the virtual money amount information, which is connected to the virtual money issuing management unit through the wired / wireless data communication network and managed in correspondence with the member identification information of the purchasing member, to the terminal of the purchasing member, Further comprising a user terminal unit for transmitting the virtual money transfer request information requesting transfer of the transfer money amount within the virtual money amount to the bank account of the purchasing member to the virtual money issue management unit, The server control unit, When receiving the virtual money transfer request information, acquiring the account information for the bank account, and if the virtual money amount accumulated for the purchasing member is larger than the transfer amount, transferring the transfer amount to the bank account of the account information And a money transfer processing unit for transferring the virtual money to the virtual currency issuing system. 8. The method of claim 7, The virtual money amount management unit is connected to the terminal of the purchasing member through the wired / wireless data communication network to receive and display the exchange point and the virtual money amount information managed in correspondence with the member identification information of the purchasing member, The virtual money transfer request information requesting transfer of the transfer amount within the virtual money amount including the identification information, the transfer amount information, and the member identification information of the other purchasing member to the other purchasing member to the virtual money issuing management unit And a user terminal unit for receiving the user terminal, The server control unit of the virtual money issue management unit, When receiving the virtual money transfer request information, transfers the exchange point cumulatively managed for the member identification information of the remittance purchasing member included in the virtual money transfer request information to the member identification information of the other purchasing member, Further comprising a virtual money transfer processing unit which is accumulated at a cumulative exchange point of the identification information. Acquires the member identification information of the purchaser who intends to purchase the commodity sales subsidiary commodity, transmits the commission request information for requesting the purchaser to accumulate the exchange point including the customer selling price of the commodity to be sold and the member identification information Process of requesting exchange points; The virtual money issuance management unit accumulates exchange points corresponding to the consumer selling price at the time of receiving the accumulation request information with respect to the member identification information, and when the purchaser purchases an arbitrary commodity from an arbitrary commodity sales department, A virtual money accumulating step of converting the exchange points within a second percentage of the consumer selling price of the purchased commodity among the accumulated cumulative exchange points to the corresponding virtual currency, and accumulating and matching the member identification information; The merchandise sales department transmits the virtual money settlement request information including the member identification information and the virtual money settlement amount within the first percentage of the consumer sales price when the virtual money is selected as a payment means for purchasing goods of the purchaser, A requesting virtual money settlement request process; And And a virtual money settlement process of performing a virtual money settlement process by subtracting the virtual money settlement amount from the accumulated virtual money with respect to the member identification information when the virtual currency issue request information is received by the virtual money issue management unit A method for virtual currency management of a virtual currency issuing system based on a monetary homogeneity system. 12. The method of claim 11, Further comprising a registration step of registering an advertisement member providing the virtual money service and a purchasing member receiving the virtual money service, wherein the virtual money issue management unit provides the virtual money service through the goods selling unit, The exchange point accumulation request process and the virtual money payment request process may include: Wherein the virtual currency service is performed by a service sales store product sales department of a service selling shop that is a subject of the virtual money service and an advertisement member store product sales department of an advertisement member store operated by the advertisement member. How to manage money. 13. The method of claim 12, The registration process includes: The virtual money issue management unit receives purchase member information including member identification information for a user who wishes to subscribe to a virtual money service for receiving exchange points and virtual money through the merchandise sales unit from a user terminal unit of an arbitrary user A purchasing member registration step of storing and registering in the member DB; And The virtual money issuance management unit receives advertisement costs from a seller who sells an arbitrary commodity and stores advertisement member information, commodity selling unit information, and advertisement cost information including the advertisement member identification information of the seller, And an advertisement member registration step of providing an exchange point through a merchandise sales unit and registering as an advertisement member providing a virtual money service for providing a virtual money settlement process. Of virtual money management. 12. The method of claim 11, The advertising member registration step includes: An advertisement member information registration step of storing the advertisement member information, product sales department information, and advertisement cost information in an advertisement member DB; A step of checking whether or not an advertisement charge is deposited to check whether the advertisement cost of the advertisement cost information is deposited; And Monitoring the receipt of the accumulation request information and the virtual money settlement request information from the merchandise sales unit of the advertisement member when the advertisement payment is confirmed, providing exchange points according to the purchase of the purchasing members through the merchandise sales unit, And a service start step of providing a virtual money service that provides a virtual money service that provides the virtual money service. 12. The method of claim 11, Wherein the first percentage is within 100% of a consumer's selling price of the purchased product, and the second percentage is within 50% of a consumer's selling price. The virtual currency management system of a virtual currency issuing system Way. 12. The method of claim 11, The user terminal unit accesses the virtual money issuing management unit through the wire / wireless data communication network, receives and displays the exchange point and the virtual money amount information managed in correspondence with the member identification information of the purchasing member, and displays the virtual money A virtual money transfer requesting step of transferring virtual money transfer request information requesting transfer of a transfer amount within a predetermined amount to the bank account of the purchasing member to the virtual currency issue management unit; And When the virtual money issuance management unit acquires the account information for the bank account upon receipt of the virtual money transfer request information, if the virtual money amount accumulated for the purchasing member is larger than the transfer amount, And a virtual money transfer process of transferring the virtual money to the bank account of the virtual currency issuing system. 17. The method of claim 16, Wherein the account information is acquired by allowing the virtual currency issuance management unit to input the member information as one of the member information when registering the purchasing member, and the virtual currency issuance management unit obtains the account information by way of the virtual currency issuance management unit. 12. The method of claim 11, The user terminal unit accesses the virtual currency issuance management unit through the wired / wireless data communication network to the terminal unit of the member purchasing member to receive and display the exchange point and the virtual currency amount information managed in correspondence with the member identification information of the purchasing member, The virtual money transfer request information requesting transfer of the transfer amount within the virtual money amount including the member identification information of the member, the transfer amount information, and the member identification information of the other purchasing member to the other purchasing member, A virtual money transfer requesting process to be transmitted to the management unit; And When the server control unit of the virtual money issue management unit receives the virtual money transfer request information, the virtual money cumulatively managed with respect to the member identification information of the remittance purchasing member included in the virtual money transfer request information, And accumulating the accumulated virtual money in the accumulated virtual money of the member identification information of the other purchasing member. The virtual currency managing method of the virtual currency issuing system based on the currency dominant system. 12. The method of claim 11, In the step of confirming whether or not the advertisement payment is made, Which is performed at a predetermined time period, Further comprising the step of determining whether the advertisement member registration unit determines whether the advertisement member is maintained according to whether or not the advertisement fee is deposited at the predetermined period of time, In the service start step, The method comprising the steps of: determining whether the advertising member is to be maintained in the advertising member retention determination process.

Images