KR20020054056A - System and method for exchanging a value of bonus point providing when buying an objects, and method and system for using the exchanged point - Google Patents

Abstract

The present invention discloses a value conversion method and system of bonus points occurring in commerce, a method and system using value converted points.

The system for converting the value of the bonus point, which is a potential bond debtor generated in the commerce between the member company and the client according to the present invention, into cyber money,

A number of member companies in which the client provides bonus points in the purchase of the product in actual commerce, with potential debt,

In actual commerce with the plurality of member companies, by receiving bonus points, clients having potential bonds to the plurality of member companies,

Receiving the potential debt of the member company, receiving cash corresponding to the potential debt from the member company, and in accordance with the client's request, the potential bond for each member company that the client has, A value conversion server that converts each into usable cyber money, and

The client may store the cyber money converted through the value conversion server, characterized in that it comprises an electronic wallet that can be spent when needed.

Description

SYSTEM AND METHOD FOR EXCHANGING A VALUE OF BONUS POINT PROVIDING WHEN BUYING AN OBJECTS, AND METHOD AND SYSTEM FOR USING THE EXCHANGED POINT }

The present invention relates to a method and system for converting value of bonus points occurring in commerce, and a method and system for using value converted points. More specifically, in particular, methods and systems for converting bonus points for use of credit cards, gas cards, distributor bonus cards, bonus points for internet memberships and advertisements into so-called cybermoney, The present invention relates to a method and system for using the converted cyber money in online betting games.

Currently, in electronic commerce as well as real commerce, large distribution companies, gas stations, Internet companies, etc. are providing bonus points at a certain ratio of the product purchase amount in order to secure a fixed customer competitively.

Several types of these bonus points are described in detail with reference to FIGS. 8 to 10.

8A and 8B are schematic diagrams and flowcharts of a form and method of giving bonus points in a conventional gas station and the like.

In this type of bonus point provision, when the client 10 goes to the gas station 70 to purchase a product, the purchase price of the product is paid by credit card or cash. In this case, it registers as a member by writing only simple personal information (step S1 of FIG. 8B), and receives a bonus card in which magnetic information is input. A certain point is given (step S3 in FIG. 8B) and points are accumulated (step S4 in FIG. 8B) with respect to the amount of money paid by cash or credit card at the time of product purchase, i.e., when fueling. When the number of times of use increases, when the points reach a certain limit (step S5 of FIG. 8B), the points are continuously accumulated at the request or selection of the client 10, or a prize corresponding to the points is provided ( Step S6) of FIG. 8B. When the prize is offered, corresponding points are deleted from the bonus card (step S7 of FIG. 8B).

9A and 9B are conceptual diagrams and flowcharts schematically illustrating a form and method of granting bonus points when using a conventional credit card.

9A to 9B, when the client 10 uses a credit card, the department stores a bonus point as shown in FIG. 8 even at a large discount distributor. Here, when purchasing with a credit card at the time of purchase, the credit card company provides bonus points according to the respective criteria to the client as described above when charging the card.

That is, when the client 10 uses a credit card when purchasing a product at the store 71 (step S11 of FIG. 9B), after a predetermined time has elapsed, the store 71 charges the credit card company 72. The card 10 is charged to the client 10. The credit card company 72 gives a certain percentage of points according to the amount of the card used when the card is charged (step S12 of FIG. 9B). Each time the client 10 uses the card, a certain percentage of points are accumulated (step S13 of FIG. 9B), and when a certain amount is reached (step S14 of FIG. 9B), the corresponding prize is provided to the client 10 ( Step S15 of Fig. 9B), the corresponding point is used (Step S16 of Fig. 9B).

This type of bonus point is also applied to electronic commerce over the Internet.

10A to 10B are diagrams illustrating a form and flowchart of providing bonus points in an Internet company.

In FIGS. 10A to 10B, since the Internet company 80 obtains revenue through membership acquisition, advertisement, and e-commerce, upon membership registration (step S21 of FIG. 10B), when viewing advertisements (step S22 of FIG. 10B), Upon purchase of the product (step S23 of FIG. 10B), each bonus point is given to the client 10 (step S24 of FIG. 10B). In this case, the Internet company 80 pays the accumulated points at the time of purchase of the product in its own shopping mall, as the product price (step S25 of FIG. 10B), or pays a predetermined amount for other services of the client 10, and points Delete it.

As described above, in terms of the client 10, there are many sides providing bonuses, but when the prize may be given and it is very difficult to remember and use it, it is considered that there is little use of the points. In addition, the client 10 may not receive the prize at the time of receiving the prize due to personal circumstances such as moving. However, even if the client 10 is completely forgotten, the company remains as a potential debt unless the points are deleted. In addition, as these potential debts accumulate over a long period of time, they become a marketing and accounting problem.

On the other hand, at present, such a bonus point has the disadvantage that there is no value transfer, conversion, or integration between individuals.

At present, in Internet games, including most mock stock investment games, the number of participating clients is few and the profit for the stock investment is achieved by playing the game with a certain amount of virtual money at the time of member registration or game participation clients. In addition, since the rate of return is only a virtual money, the game participant often does not have a net profit on the success of the game.

In addition, since the betting game using the Internet requires betting by inputting a credit card, a security problem such as leakage of personal information of the client has not yet been secured.

It is an object of the present invention to enable a client to convert value, bonus integration, and value transfer from bonus points earned by being distributed into credit cards, gasoline cards, retailer's merchandise purchase cards, etc., to bonus points of the same client. The purpose is to increase the utilization of bonus points more efficiently.

The purpose of the present invention is to allow the client to convert bonus points into value, consolidation and transfer of bonus points, so that the bonus points function as a cyber money useful for real life, so that a small payment function can be used to more effectively use paid contents when the client uses the Internet. In order to provide the utilization of bonus points not only for the client but also for the bonus provider company.

An object of the present invention is to provide a convenience in accounting and marketing of a company by being able to solve the potential debt in a short time to the company giving a bonus point.

An object of the present invention can be a bet game by cyber money of bonus points through the conversion, integration and transfer of bonus points value, the bet game using a virtual money randomly given by the Internet game company, the client's own By using cyber money that is equivalent to real money that converts bonus points into value, it can induce the interest of the client and the profit of the betting game is returned to the client, thereby increasing the participation of the game.

In addition, another object of the present invention is to minimize the realistic damage caused by the game of the client who is an Internet user participating in the betting game and the like, and to solve the security problem that the personal information of the client is exposed.

1A and 1B are system configuration diagrams and flowcharts schematically showing a system and method for converting value of bonus points generated by a client in a transaction with a member company;

2A and 2B are system configuration diagrams and flowcharts illustrating an exemplary system and method of converting values by the value conversion system shown in FIGS. 1A and 1B to use cyber money stored in an electronic wallet;

3 is a diagram exemplarily illustrating a main screen introducing a type and a game of a stock prediction betting game;

4A, 4B, and 4C are flowcharts illustrating a game screen, a result confirmation screen, and a game method of survival OX as a stock prediction game provided by the betting game server of the present invention;

5a to 5d is a screen showing an example of a stock cocktail game as an example of the game of the present invention,

6a to 6d is a screen showing an example of a modified game of the stock cocktail game as another game example of the present invention,

7 exemplarily shows an online sports win / loss prediction game such as horse racing, racing, and motorcycle racing.

8A and 8B are schematic diagrams and flowcharts of a form and method of granting bonus points in a conventional gas station, etc .;

9A and 9B are conceptual diagrams and flowcharts schematically showing a form and method of granting bonus points when using a conventional credit card;

10A to 10B are diagrams illustrating a form and flowchart of providing bonus points in an Internet company.

<Description of the symbols for the main parts of the drawings>

1: Value Conversion System 2: Cyber Money Use System

10 client 30 credit card

31: Bonus Card 32: Fuel Card

40: e-wallet 44: bonus points

45: cyber money 50: value conversion server

60: member company 70: betting game server

72: Stock Prediction Betting Game 74: Horse Racing, Racing / Motorcycle Racing Games

75: Sports Lose Prediction Game

The present invention is to improve the above-described problems, the system for converting the value of the bonus point, which is a potential bond debtor generated in the commerce between the member company and the client according to the present invention to cyber money,

A number of member companies in which the client provides bonus points in the purchase of the product in actual commerce, with potential debt,

In actual commerce with the plurality of member companies, by receiving bonus points, clients having potential bonds to the plurality of member companies,

Receiving the potential debt of the member company, receiving cash corresponding to the potential debt from the member company, and in accordance with the client's request, the potential bond for each member company that the client has, A value conversion server that converts each into usable cyber money, and

The client may store the cyber money converted through the value conversion server, characterized in that it comprises an electronic wallet that can be spent when needed.

Preferably the cyber money value converted by the value conversion system according to an embodiment of the present invention can be cash transfer to the bank account of the client, the client can pay with Internet fees, and pay for the goods purchased And be used in the online betting game, including games such as stock prediction betting games, racing, racing, motorcycle racing, and the like.

The method for converting the value of the bonus point, which is a potential bond debtor, generated in the commerce between a member company and a client according to the present invention into cyber money,

Receiving, by the client, bonus points which are potential bonds from the member companies in the purchase of goods in the actual commerce,

When the client registers as a member in the value conversion system, providing the electronic wallet for storing cyber money to the client registered as a member in the value conversion system;

The client accessing the value conversion server of the value conversion system and requesting a value conversion of the bonus points obtained from the member company into cyber money,

A value conversion step of confirming whether the bonus point is a member of the value convertible member according to the value conversion request of the bonus point from the client, and converting to cyber money according to the valuation if the value point is a value convertible bonus point, and

And claiming an amount corresponding to the value converted bonus point to the member company.

A system for use in an online betting game using a value-converted cyber money according to another embodiment of the present invention,

The value conversion system described in claim 1,

A client storing value-converted cyber money in an electronic wallet, and

It characterized in that it comprises an online betting game server that stores a number of online betting games.

Preferably, the system for use in an online betting game using a value-converted cyber money according to another embodiment of the present invention,

The betting game server is characterized in that it includes a sports prediction game including stock prediction betting games, horse racing, racing, motorcycle racing.

According to another embodiment of the present invention, a method for using an online betting game using a value-converted cyber money,

According to the value conversion method of claim 8, the step of converting bonus points, which are potential bond debtors incurred in commerce between member companies and clients, to cyber money,

Storing the value converted cyber money in the electronic wallet, and

And paying and using the money stored in the electronic wallet by the client to bet on the online betting game.

Preferably in the method for use in an online betting game using a value-converted cyber money according to another embodiment, using the cyber money,

The client accessing an online betting game server,

Selecting, by the client, an online betting game;

The client further comprises the step of withdrawing the bet amount from the electronic wallet.

According to another embodiment of the present invention, a method for using an online betting game using a value-converted cyber money,

According to the value conversion method of claim 8, the step of converting bonus points, which are potential bond debtors incurred in commerce between member companies and clients, to cyber money,

Storing the cyber money in the electronic wallet,

The client accessing an online betting game server,

Selecting, by the client, an online betting game;

The client withdrawing and paying the bet amount from the electronic wallet, and

In case of winning the betting game, the method further comprises depositing and storing the points multiplied by the odds of the betting points in the electronic wallet.

Preferably, in the method for use in an online betting game using a value-converted cyber money according to another embodiment of the present invention, the online betting game is a sport including a stock prediction betting game, horse racing, racing, motorcycle racing, etc. It is characterized by a win and loss prediction game.

Example 1

Hereinafter, a method and system for converting a value of bonus points occurring in a transaction and a method and system for using the converted value (hereinafter referred to as cyber money) will be described in detail with reference to FIGS. 1 and 2.

The present invention consists of a value converting system 1 of bonus points occurring in the commerce with a member company 60 and a system 2 using the converted value (hereinafter referred to as cyber money).

1A and 1B are system diagrams and flowcharts schematically illustrating a value conversion system 1 and method of bonus points 44 that a client 10 encounters in a commerce.

In FIG. 1A, the value converting system 1 of the bonus points is a cyber money 45 for the bonus points 44 generated when the client 10, the member company 60, and the client 10 perform a transaction with the member company 60. Value conversion server 50 for converting to, and consists of an electronic wallet 40 for storing the value converted cyber money 45.

In real world transactions and electronic commerce, the client 10 is given various types of bonus points. As described above, when such a bonus point accumulates for a considerable period and reaches a certain limit, a preliminary prepared prize is prepared from the corresponding company, and the client 10 selects one of these prepared prizes. In winning these prizes, there have been times when I have waited for a long time or receive prizes that are not needed right away.

When the client 10 accesses the value conversion system 1 operated by the applicant through the Internet and registers as a member (step S100 of FIG. 1B), the cyber 10 used for the actual transaction or payment of goods and the payment of the internet fee are used. An electronic wallet 40 capable of storing the money 45 is provided (step S101 in FIG. 1B).

The client 10 having the electronic wallet 40 is connected to the value conversion server 50 of the value conversion system 1 (step S102 of FIG. 1B), and the credit card 30 and bonus card that he or she is using. (31), whether the value of the bonus points given in the fuel card 32 can be converted, that is, whether the member company (60) is inquired, if the bonus points of the convertible member company, value conversion in the value conversion server 50 Is requested (step S103 of Fig. 1B).

Here, the value conversion server 50 of the value conversion system 1 determines how much value is evaluated and given when the client 10 requests the conversion of bonus points by various member companies 60 and special contracts. Prepare certain valuation criteria in advance. In this case, when there is a value conversion request of the client 10, the value conversion system 1 connects to the computer storing the bonus points of the member of the member company 60, and requests the point deletion. Upon request of the value conversion server 50, the member company deletes the bonus points stored in the database of the client 10 and pays the corresponding value to the value conversion server 50.

This is the value conversion system 1 transfers the bonus point 44, which is a potential debt of the member company 60, for the amount or replacement of the actual value.

In step S103 of FIG. 1B, it is checked whether the value conversion bonus point 44 requested by the client 10 is a bonus point that may be paid in reality, i.e., a member company having a special contract with the value conversion system.

In the case of bonus points of the member company 60, the bonus points 44 are evaluated according to the criteria stored in the database (not shown) of the value conversion server 50, and the value is converted to the cyber money 45 (FIG. 1B). Step S104). The value- converted cyber money 45 is stored in the electronic wallet 40 of the client 10 provided at the time of membership registration (step S105 of FIG. 1B).

In addition, the value conversion server 50 stores the cyber money 44 by repeating the above-described operation on each of its own bonus cards at the request of the client 10 to perform the value conversion. .

For example, when the client 10 purchases a book and a product at an internet shopping mall, pays for the use of an internet pay site, and pays for the product, the client 10 may pay directly at the electronic wallet 40. As a result, the cyber money 45 of the electronic wallet 40 is reduced by the amount of use.

Here, the client 10 may continuously accumulate new points, and request the value conversion periodically. In addition, the client 10 requests the member company 60 and the value conversion server 50 so that whenever a bonus point 44 is generated, the member company 60 notifies the value conversion server 50 to the bonus point automatically. It is also possible to convert the value of 44 into cyber money 45.

It should be appreciated that the cyber 45 stored in the above-described electronic wallet 40 can be used in various forms other than the above.

(Example 2)

2A and 2B illustrate an exemplary system 2 and method of converting values by the value conversion system 1 shown in FIGS. 1A and 1B and using the cyber money 45 stored in the electronic wallet 40. It is a system block diagram and a flowchart which are shown by the figure.

In the system 2 and method using the cyber money 45 stored in the electronic wallet 40 shown in FIG. 2A, the client 10 checks the value converted cyber money and transfers it to his or her account 80. , Payment of Internet usage fees 81, use of online betting games 82, payment of goods on Internet shopping malls 83, and the like.

In addition, it may be more useful and interesting to use in a betting game provided with the value conversion system 1 provided by the applicant in another way.

Since the bonus points received by the respective clients 10 are relatively small, various betting games are prepared and provided using the same.

It should be noted first that the present invention is not limited to the type of game.

The system (2) and method using the value-converted cyber money are the cyber money (45) stored in the electronic wallet (40), and the batting game server (70) storing various games for playing various types of games. )

The betting game includes not only games played offline but also online games.

Types of offline betting games include ranking games 74 such as horse racing, racing, motorcycle racing, and sports win / loss prediction games 75 such as soccer, baseball, basketball, and the like.

The online betting games may include a stock up and down prediction game, such as a survival OX game, a Stock Cocktail Game, a Black & White Game, and the like as described below.

Referring to the flowchart shown in FIG. 2B, the procedure of the method of using the cyber money 45 stored in the electronic wallet 40 according to the present invention will be described.

The client 10 stores the new value converted cyber money in the electronic wallet 40 as shown in FIGS. 1A and 1B (step S130 of FIG. 2B).

In addition, the client 10 may check the balance of the electronic wallet 40 from time to time (step S131 of FIG. 2B), and as shown in FIG. 2A, transfer its own cash account, pay Internet fee, pay for product purchases, Or it can be used in the betting game of the present invention (step S132 of Fig. 2b). The betting game server 70 of the present invention stores various types of betting games as described below. The client 10 connects to the betting game server 70 (step S133 of FIG. 2B), and selects one of various betting games (step S134 of FIG. 2B). For example, if horse racing is selected, the electronic wallet 40 is reviewed by reviewing game information provided by the game server 70 (horse play, award, jockey and award, game method), and the like. A certain amount of money is taken out of the cyber money 45 stored in the bet at the word specified by the client 10 (step S135 of FIG. 2B). The bet is withdrawn from the electronic wallet and paid to the game server 70 (step S130 of Fig. 2b).

The client 10 checks the result of the betting game immediately or later, and if the player wins the betting game (YES in step S136 of FIG. 2B), the client 10 multiplies the amount multiplied by the odds bet. Deposit in the electronic wallet (40).

Even when one game is over, the same game can be continued and repeated, and another game can be selected to play another game.

If there is no balance of the electronic wallet 40, by viewing the Internet advertising, membership in other Internet member companies, etc., by obtaining a bonus point, the value can be converted into cyber money, the game can be performed again.

In addition, there may be a method of cyber money conversion from a bank account to a bank transfer or a credit card.

(Example 3)

Hereinafter, the novel game method and game system provided by the betting game server 70 of the present invention will be described in detail with reference to FIGS. 3 to 9.

The games shown in Figs. 3 to 8 are games named stock prediction betting games, and these game methods will be described in detail below.

3 is a main screen 95 for introducing types and games of stock prediction betting games. The main game screen 95 includes game types 96 including survival OX games, stock and cocktail games, black and white games, and the like.

It is to be noted that such a game basically allows the client 10 to voluntarily set a bet amount and participate in a similar form.

(Game example 1)

Survival OX Game

4A, 4B, and 4C are flowcharts showing a game screen, a result confirmation screen, and a game method of survival OX as a stock prediction game provided by the betting game server of the present invention.

Survival OX game is a kind of online betting game in which a large number of participants set a certain amount of bets, proceed until the last player is left, and take the total amount of bets when the last winner is left.

In step S61 of Fig. 4C, game rules and the like are determined, and clients 10 to participate in the game are recruited. Then, the game theme and the bet amount (point) are selected (step S62). For example, let's say you have a game theme that determines whether the next day's stocks will rise or fall. In step S63, the client 10 who is a game participant pays (or hangs) a point corresponding to the bet amount from his electronic wallet, and inputs the anticipation of the client 10. The next day, the client 10 checks the result of the correct answer as shown in FIG. 4B, checks whether the prediction is correct, and if so, proceeds to the next step only for the client 10 that has been corrected (step). S64), if it is wrong, it is dropped out and ends. Then, the process proceeds until the last person remains (step S65). If the last one is left, the game pays the total amount of the bet to the last one and ends the game.

In the final step (step S65), if all of the clients 10 are dropped out at the same time, the odds can be carried over to the next game, or evenly divided and paid to the client who proceeded to the final step.

The same game has the advantage of being able to start anew every day and participate in several games at the same time.

(Game Example 2)

Stock Cocktail Game

5A to 5D are screens showing an example of a game example stock cocktail game of the present invention.

A stock cocktail game is a game in which a large number of participants present a predetermined number of five sector representatives, such as a comprehensive stock price index, according to a game rule set by a game operator, and they expect to rise or fall the next day. As a result, the client 10 predicts each of the presented items and divides the amount of the bet by alloting the correct answer. The feature of this game is that the participating client 10, the game can immediately check the next day.

(Game Example 3)

Black & White Game

6A to 6D are screens illustrating examples of modified games of another game example stock cocktail game of the present invention.

The black and white game is a game in which the game participation client 10 may bet selectively on each of the stock price index and stock items presented by the game operator in the above-described stock cocktail game. The game participation client 10 has an advantage that it is possible to selectively bet only on the stock items that they are investing or are actually interested in.

(Game example 4)

FIG. 7 is a diagram exemplarily illustrating an online sports win / loss prediction game such as horse racing, racing, and motorcycle racing.

Games such as horse racing, racing, and motorcycle racing are now real, in which the client 10 can go to the stadium and enjoy the game. Another method of such a betting game is to relay an actual game through a TV or the like, and sell a betting ticket or the like at a predetermined place.

Due to the development of internet technology, such online sports win / loss prediction games such as horse racing, racing, and motorcycle racing can be provided in various forms using the internet.

In addition, the game win or lose prediction game can be made in real time regardless of the country, region, time. Therefore, there is an advantage that the game of predicting sports win or lose using the Internet can be done simultaneously in the world, and in the case of a system using points, it is possible to simply solve the conversion according to the exchange rate of each country.

According to the value conversion system according to an embodiment of the present invention, the bonus points obtained by the client distributed to a credit card, a fuel card, a retailer's product purchase card, etc., are converted into a value of bonus points of the same client, value integration, and By enabling value transfer, you can increase the utilization of bonus points to clients more efficiently.

According to the value converting system according to an embodiment of the present invention, the client converts the bonus points into values, integrates and transfers the bonus points to function as cyber money useful for real life, so that the paid contents can be viewed when the client uses the Internet. By providing a small payment function that can be effectively used, bonus points can be utilized not only for clients but also for bonus providers.

According to the value conversion system according to an embodiment of the present invention, potential debt can be solved in a short time to the company giving bonus points, thereby providing convenience in accounting and marketing of the company.

According to the value conversion system according to an embodiment of the present invention, through the value conversion, integration and transfer of bonus points, it is possible to play a betting game, such as cyber money of the bonus points, virtual money given arbitrarily given by an internet game company By using cyber money that is equivalent to real money that converts the client's own bonus points, it is possible to induce the interest of the client, and the profit of the betting game is returned to the client. Can increase.

In addition, according to the system using the value-converted cyber money according to an embodiment of the present invention, to minimize the realistic damage caused by the game of the client, the Internet user participating in the betting game, etc. The problem can be solved.

Claims (16)

In the system that converts the bonus points, which are potential debt debts generated in the commerce between member companies and clients, into cyber money, A number of member companies in which the client provides bonus points in the purchase of the product in actual commerce, with potential debt, In actual commerce with the plurality of member companies, by receiving bonus points, clients having potential bonds to the plurality of member companies, Receiving the potential debt of the member company, receiving cash corresponding to the potential debt from the member company, and in accordance with the client's request, the potential bond for each member company that the client has, A value conversion server that converts each into usable cyber money, and The value conversion system of the bonus points generated during the commerce, characterized in that the client includes an electronic wallet that can store the cyber money converted through the value conversion server, and can spend if necessary. The system of claim 1, wherein the cyber money can be transferred to a bank account of the client. The system of claim 1, wherein the cyber money can be paid by the client for Internet usage. The system of claim 1, wherein the cyber money can be paid by the client for the purchase price of the product. The system of claim 1, wherein the cyber money is available to the client for online betting games. The system of claim 5, wherein the online betting game is a stock prediction betting game. The system of claim 5, wherein the internet betting game is an online sports win or lose game including online racing, racing, and motorcycle racing. In the method of converting the value of bonus point, which is a potential bond debtor that occurs in the transaction between member company and client, Receiving, by the client, bonus points which are potential bonds from the member companies in the purchase of goods in the actual commerce, When the client registers as a member in the value conversion system, providing the electronic wallet for storing cyber money to the client registered as a member in the value conversion system; The client accessing the value conversion server of the value conversion system and requesting a value conversion of the bonus points obtained from the member company into cyber money, A value conversion step of confirming whether the bonus point is a member of the value convertible member according to the value conversion request of the bonus point from the client, and converting to cyber money according to the valuation if the value point is a value convertible bonus point, and The method for converting the value of the bonus points generated during the commerce characterized in that it comprises the step of claiming the amount corresponding to the value converted bonus points to the member company. The value conversion system described in claim 1, A client storing value-converted cyber money in an electronic wallet, and A system for use in an online betting game using a value-converted cyber money, comprising an online betting game server that stores a number of online betting games. 10. The system of claim 9, wherein the betting game server comprises a stock prediction betting game. 10. The system of claim 9, wherein the betting game server includes a sports win or lose game that includes horse racing, racing, and motorcycle racing. According to the value conversion method described in claim 8, converting bonus points, which are potential debt debtors incurred in commerce between member companies and clients, to cyber money, Storing the value converted cyber money in the electronic wallet, and And using, by the client, paying and using the cyber money stored in the electronic wallet in an online betting game. The method of claim 12, wherein using the cyber money, The client accessing an online betting game server, Selecting, by the client, an online betting game; The client further comprises the step of withdrawing and paying the bet from the electronic wallet. According to the value conversion method described in claim 8, converting bonus points, which are potential debt debtors incurred in commerce between member companies and clients, to cyber money, Storing the cyber money in the electronic wallet, The client accessing an online betting game server, Selecting, by the client, an online betting game; The client withdrawing and paying the bet amount from the electronic wallet, and In case of winning the betting game, the method further comprises depositing and storing the points multiplied by the odds of the betting points in the electronic wallet. The method of claim 14, And the online betting game is a stock prediction betting game. The method of claim 14, The online betting game is a method of using cyber money, characterized in that the game win prediction game including racing, racing, motorcycle racing and the like.