TOPHEAD Monitor Activation Plan for replenishment with applying the MONEY-BACK CARD.

Mutual WIN-WIN strategy by cooperating with LG, Hyundai, Uri Card.

MEMBERS receive more money

CARD COMPANYS get more members and more sales

COOPERATING ORGANIZATIONS sale more

TOPHEAD fulfill the business model of the monitor spark in advance

TOPHEAD is developing the TGMS: Tophead Global Money-Back System by cooperating with LG Card and the other card companies.

Members of the Tophead Money-Back Card get back the fixed amount on the card consumption from the all the organizations that are cooperating with TOPHEAD.

In this new card system, all the organizations that are cooperating with TOPHEAD are given the free entrance to the cyber market that is located in the supporting monitor and is cost 6,000,000 won per a month in substitute for giving the fixed amount on the card consumption to the Money-Back Card members. This causes the expansion of the sales and because of that, many organizations desire to cooperate with TOPHEAD.

Card companies expect the increasing of the cardholder’s card use caused the Money-Back benefit. Therefore 

the companies will compete for participating to cooperate with TOPHEAD. Card members will receive the Money-Back from the cooperating organizations and the fixed commission from the card companies at the same time.

Moreover there will be the bonus gains from TOPHEAD’s banner advertising. Therefore there will be many gains in one month.

Therefore the members will be paid off by receiving the money from those 3 firms as they use the card. TOPHEAD grants more benefit of the banner advertising to the card members who have the monitor. So the members make haste to purchase the monitor.

TOPHEAD can arrange the construction of the cyber world’s basis in the world wide as the supply of the monitor increases.

This Money-Back System business is formed amazingly for realizing the good gains. The members are good due to receive the money from TOPHEAD, the card companies and the cooperating organizations, and the card companies are good due to expand the sales as the number of members is increasing. Also, the cooperating organizations are good due to expand the sales, and TOPHEAD is good due to expand the supply of the monitor.  

Therefore there will be no need for carrying many cards in order to receive the benefit. From now on, there will be the good benefit with holding only the Tophead Money-Back Card.

Money-Back Card will be used variously because of the bonus Money-Back benefit from the cooperating organizations in about 1,300,000 cooperating organizations within the country and also internationally without any difficulty.

TOPHEAD judged that the Money-Back System is the very original proceeds model that will strengthen the TOPHEAD’s established Business Model (BM). So we applied for the special permission.


§ Background of introduction for Money-Back system business

▶ Attempted to supply the large quantity with giving out money

TOPHEAD’s Business Model was to supply the large quantity of the world’s first ‘Two Screened Monitor’ in the short time with preserving the cost price that is the gains (cyber market selling, billboard banner advertising gaining and private channel gaining) from the supporting monitor window (Top Screen).

In order to achieve the goal rapidly, TOPHEAD attempted to supply the items with giving out money, which was the minus marketing strategy.

Because as the large quantity of the Tophead Monitor is supplied, the cyber market and the billboard banner advertising would display the authority and it would demonstrate the Excellency of the item. So we attempted to supply the item with the same price as the normal one monitor or even lower price.

According to this, TOPHEAD concluded the number of the supplying monitor that operates the Business Model to about 100,000 pairs, and devoted all the energy to achieve it.   

▶ Attempted to be attracted by the outside fund

In order to achieve it rapidly, TOPHEAD flew in the fund from the outside for the cost price of making two monitors and promoted the plan of supplying 100,000 pairs of the item in a short time as the first strategy.

With that, TOPHEAD also promoted the pre-engaged sailing that is to give out money to someone who sees the advertising and securing the gains from the enterprises’ cyber market entrance. However there was no good result on that because of the market stagnation and the blames from the society about the venture enterprises in the second half of the year 2000.

Investment affair from the Light House U.S.A (Kim Tae-Hyun, the president) remains on the same level because of the 9.1.1 Terror incident. Also many enterprises that give out money to someone who sees the advertising was facing the dishonor and this caused the mistrust of TOPHEAD. So progressing the business was difficult.  

▶ Suffered because of the bad image of the venture enterprise

All the staffs devoted their energy to settle this problem for few months. Then they succeeded to come out with the miraculous strategy that is to supply the large quantity of the item with the card.

The name of this business is the TGMS: Tophead Global Money-Back System. This business is for all 4 principals that are TOPHEAD, card companies, card members and cooperating organizations to win-win. And these 4 letters (TGMS) settled the problems that TOPHEAD couldn’t solve alone.

▶ 4 bodies settled the problem that couldn’t be solved alone.

Money-Back System business is to return the money back to the members of Tophead Money-Back Card, which is made jointly by TOPHEAD and the card companies.

There are 2 different kinds of the returning money. One is the returning money from the cooperating organizations where the member uses the card, and that is the fixed amount from the total amount of used money.

Another one is the money from TOPHEAD. This money is the gains from the Internet advertising (Billboard box banner advertising) in the support monitor (Top screen), which is 6.4 inches of size that is located in the upper side of the Tophead Monitor. This gains is about several hundred million to several billion won.

▶ Miraculous harmony of the Money-Back and the gaining model of TOPHEAD

This business is the epochal idea that uses the market competition of the expanding card markets practically and harmonizes the Money-Back strategy with the gaining model of TOPHEAD.

As progressing this business, the gains of the card companies will be increased explosively and the members will receive 3 benefits that are the Money-Back from the cooperating organizations and the card companies and gaining from the banner advertising provided by TOPHEAD.

Sales of the cooperating organizations will grow quickly because TOPHEAD supports the Money-Back System with all the gains from the banner advertising, and utilization of the members will increase. About 10,000 of the cooperating organization will enter to the TOPHEAD’s cyber market free and their sales will increase largely.

▶ Support the Money-Back with the 100% of the banner advertising gains

Therefore there will be a keen competition for the entrance. The gains of TOPHEAD will increase largely because the cooperating organizations will share the gaining from the Money-Back card members and the commission from the card companies.

Also the Money-Back card members will increase rapidly because the Money-Back benefit is provided to whomever joined in the membership. And more benefit will be provided to the members who buy the monitor; therefore many members will try to buy the monitor. Easily the supplying of the monitor will be increased fast and there will be the shortage of the goods.

▶ Supply of the monitor is increased without any struggle

Now we are going to make the comparison of advantages and disadvantages between the old Business Model and the new Business Model that the card is grafted into. First of all, in the old Business Model, there is the advantage of realized the Business Model (BM) if lowering the price of the monitor that was very expensive and supplying the large quantity of the item in the short time is successful. However it is difficult to be attracted by the outside fund.

Compare to upper facts, in the new Business Model, there is the advantage of easy increasing of the monitor supply without any struggle as the card members try to buy the monitors because more benefit will be provided to whom purchases the monitor.

Moreover TOPHEAD will achieve the supply of the monitor easily because of the members, card companies and cooperating organizations would go forward to operate actively. The only disadvantage is the slow speed of the progressing. However this is nothing compare to the advantage.

As the new business becomes activation, Money-Back card will lead the domestic card market. TOPHEAD will change the domestic financial market and the international industrial map.

TOPHEAD is currently progressing the negotiation with Uri Card, LG Card and Hyundai Card etc. The announcement about the result will be put up as soon as the negotiation is over.


§ How the Money-Back Business Works

First of all, TOPHEAD receives the commission from the card companies due to increase the number of the Tophead Money-Back members. The gains of the cooperating organizations will be increased, as there is the benefit; free entrance of the cyber market and the gains from the banner advertising for the members who expect the Money-Back benefit. The card members will receive 100% of the gains from the TOPHEAD’s banner advertising as Money-Back. Members apply the Money-Back card to TOPHEAD and moreover they purchase the monitor in order to receive the Money-Back.

The card companies will increase gaining by issuing the Money-Back card to the members, and the fixed amount of the gains will be returned to the members’ Money-Back card. Card members will receive the reserving money by consuming in the cooperating organizations. 

In order to understand the Tophead Money-Back Card business easily, there is an example below. Mr. A joins as the member of Money-Back card, which is made jointly with TOPHEAD and LG card. Mr. A can use the card in every were such as in department store, air port, restaurant and bar etc. And he will receive (Money-Back) the fixed amount of the total spent money later in the lump.

With the previous card, there was limit number of the cooperating organizations where the benefit is provided. However now you can get Money-Back wherever you go with the present card. There is no need for carrying many cards because the Money-Back from many enterprises is accumulated automatically.

TOPHEAD provides the gains from the billboard banner advertising of the Tophead monitor. Mr. A will buy the Tophead monitor in order to receive more benefit. And he uses the cyber market on the supporting monitor (Top screen) and sees the banner advertising.

Then three to four times much money than the previous month will be given out because TOPHEAD promised that more money will be given out to someone who sees the advertising. Mr. B, a friend of Mr. A, also applies the card in order to receive the benefit. After a while, most of the people will join as the member and see the advertising after purchasing the monitor.

And then, the cooperating organizations are pleased because the gains from the Money-Back card is keep on the increase. The total gains of S firm that entered to the cyber market of the Tophead monitor commands an overwhelming majority in the cyber market.

The free entrance to the cyber market by TOPHEAD pleased the cooperating organizations. They provide the good service to the Money-Back card members; so more people will apply for the Money-Back membership.

L Card Company that cooperates with TOPHEAD is also pleased. Members and gains are increasing unexpectedly. Therefore this company leads the competitive card markets.

TOPHEAD is pleased mostly. TOPHEAD gathers the card members, and there are many gains from it. Also TOPHEAD receives the fixed amount of money from the cooperating organizations. As the number of the cooperating organizations increase, gains from them also increase. The most pleasant thing is that the members expect the higher Money-Back benefit and will purchase the monitor.

There will be premium appears as the cyber markets become activate by large quantity of the monitor supply. As time goes by, TOPHEAD preserves the gains to the cost price of the monitor and supplies the large quantity of the monitor with the low price. And TOPHEAD’s dream of the cyber world will come true.

§ How the Money-Back Business Works



※ Standard concept of TGMS ※ 


※ Difference between the previous Cash Back and TGMS ※

Increasing of the cooperating organizations → Increasing of the Money-Back → Members want to receive more money → Purchasing the monitors → Increasing of the gains from the banner advertising → Continued increasing of the Money-Back


§ Summary of the automatic principle for the Money-Back

First of all, TOPHEAD increases the members of the cooperating card companies. There will be many people who apply for the card membership because the members will receive money even though they don’t use the card. As the members increase, the gains for the card companies also increase. If the members are increased by 1,000,000, then the net profit of the card company will increase by US$48,000,000. The cooperating organizations of the TOPHEAD’s cyber market will increase because it’s free to enter. (At this point, TOPHEAD decides the entering order.) When the users of the previous single monitor download the Top screen program (supporting monitor window program) of the Tophead monitor, then they can use the cooperating organizations and receive the Money-Back. Therefore the number of members will increase as the gains of the cooperating organizations increase. The members receive three benefits; Money-Back from the cooperating organizations, Money-Back from the card companies and the Internet advertising (banner) gains from TOPHEAD. The members will make a frantic attempt to purchase the monitor and see the Internet advertising (banner) in order to receive more money.


§ Gains of TOPHEAD 

What goes to 4 participating bodies?

TOPHEAD is 90% succeeded venture enterprise that completed the goods and developed the earning model for the last few years. Just there were not enough funds for marketing because of a lot of investment for the research & development (R&D). However TOPHEAD overcomes the lack of funds by the Money-Back business. Many funds are not necessary because we don’t accept the strategy that is to supply the large quantity of the monitor. We are up to developing automatically if there are some personnel expenses because the goods and the earning model is already developed.

Additionally, there will be uncontrollable amount of money for TOPHEAD after the new business begins.

First of all, when the members use the card, there will be the commission fee and the Money-Back gains from the cooperating organizations. The Money-Back from the cooperating organizations will be divided properly for the members and TOPHEAD. (The cyber market will be chargeable later.) And there will be cash comes in from the sales of the hardware (monitor) that is cost US$1,199.20 per one.

Tophead card becomes the ‘best of the best’ card, and the size of the Money-Back from the cooperating organizations will become absurd.


§ Burden of supplying the monitor in low price has been vanished

TOPHEAD attempted to supply the large quantity of monitor in the short time and it caused lots of loss. Tophead monitor is the very original monitor in the whole world and practical use of that is various. However the price cost was somewhat expensive and there were errors in supplying because it has 2 monitors that are made by the world’s best material and additional equipments are necessary in order to use the monitor. But the burden of supplying the monitor in low price has been vanished as the new business begins because the number of monitor supply is depends on increasing of the members. Therefore we are going to sell the monitor with the regular price, which is US$1,199.20.


§ Enterprises and members want TOPHEAD

When the new business is progressing with this aspect, then the enterprises will line up for entering to the cyber market. The enterprises won’t survive if they can’t enter to the cyber market of the Tophead monitor. Therefore the members will purchase the monitor competitively because they can receive 3 to 6 times much money if they purchase the monitor and see the advertising. When the business is on the right track, then the amount of money will increase rapidly and there will be lack of the monitor supply. Therefore the enterprises and the members will line up for TOPHEAD.


§ TOPHEAD has the power over the card companies

This circumstance is applied to Korea, U.S.A, Japan, China, U.K. etc and the whole world. In this case, there is no guarantee for survival of the global card companies such as American Express, Dynes, Master and Visa etc. This is the inherent right of TOPHEAD and the cooperating organizations.

Therefore TOPHEAD and the cooperating card companies will reorganize the card markets, and the Money-Back card becomes the powerful card. There is no such an enterprise where provides extraordinary Money-Back program like TOPHEAD. It’s impossible to launch such a business because of the origin principal.

Then there will be the premium on the entrance fee of the cyber market. It permits only 20 organizations per each kind of industry. Therefore there will be the keen competition for the entrance to the cyber market, and the enterprises that failed to enter to the cyber market will face the difficulties. After all, TOPHEAD will have the power over the all worlds’ circulation.


§ Members receive money from cooperating organization, card company and TOPHEAD

l        What the members will get?

Members will receive the Money-Back from the cooperating organizations, the card companies and the Internet advertising (banner) gains from TOPHEAD. Moreover there will be more money to the monitor purchaser and the viewer of the Internet advertising (banner). So the members are the most profitable among all the bodies.


§ No more agony of ‘which card to use’

There will be no more agony of which card to use for the Money-Back card members. And there is no need for carrying many cards because the points will automatically reserved into the Money-Back card.


§ Cooperating card companies will lead the card market that the annual earning is increasing by several hundred million

l        What the card companies will get?

If TOPHEAD helps the card companies to have a million new members, then there will be additional earnings of about 20 trillion won annually. And the annual profit will be about 60 trillion. In the consideration of if many people join to the Money-Back card membership, then this is very effective. In China, the enterprises that cooperate with TOPHEAD will lead the card market.


§ Cooperating organizations will get amazingly increased gains

l        What the cooperating organizations will get?

There will be amazing increase of gains to the cooperating organizations. The members will purchase goods from there in order to receive Money-Back. The members should be preferred to use the Money-Back card because it provides many benefits and it causes large gains for the cooperating organizations. Especially the organizations that entered to the cyber market will gain larger amount.


§ Card competition is the good chance for TOPHEAD

l        Background of introduction for Money-Back business

There are two different backgrounds of the Money-Back business. First one is the inner environment that the gains from the business model (BM) of TOPHEAD match with the Money-Back business. Another one is the exterior environment that there are the competitions between the card companies on increasing the number of the members.

Money-Back is born for TOPHEAD = TOPHEAD’s cyber market can’t aim the accurate earnings easily because of the newly items. Due to this, many investors who attempted to invest on TOPHEAD inquired the verification about the high earnings, and it caused the errors on progressing the business. However it can be verified by the characteristic of the Money-Back system. This Money-Back system might be born only for TOPHEAD.

Entry of the Money-Back card in the card market = Presently the card companies are facing the prevalence period. 5 of bankcard companies and 7 of specialty card companies are competing each other. Also the foreign companies are raising the value in order to capture the card market. Everyday the card companies try to win over their rival card companies.

※ Market analysis of the credit card

There are the keen competition between BC card, which has 12 banks as the member; Kookmin and Oehwan etc. that are the bankcard; 7 specialty card companies that are LG, Samsung, Hyundai and Dongyang etc. And the foreign banks such as City Bank, Singapore National Bank and Standard Charters Bank etc. are attempting to launch the business in the domestic card market.

Card market is facing the prevalence period with the survival of the fittest.

The size of the card companies is forming the market of 450 trillion with 82 million sheets of card at the end of 2001. It’s increased by 200% compare to the previous year. The specialist expects that it’ll increase by 33% in the current year, and this means that it’ll become the market of 600 billion. One person averagely has 3.5 sheets of card and settles account by the card US$15,360 annually (direct purchase: US$5,360.00). This shows rapid progressing of the card market.

The related firms make many kinds of card cooperating with the card companies. However these are rabble cards. ‘Money-Back card’ has all the functions and benefit that each of those cards provide.


§ When there are 1 million of the monitors, then Money-Back is US$2,000,000

l        Revenue source of Money-Back

The basic revenue source of Money back is the earnings from the Internet advertising (banner). There are somewhat earnings differences depends on the method of calculating. Compare with the Chosun Times, the maximum annual fee of advertising is US$3,456,000,000 (supply of 1 million monitors). There will be about US$200,000,000 per 100,000 monitors arithmetically. The number of the Internet advertising exposed will calculate the minimum advertising fee. In this case, US$345,600,000 will be produced annually. There is the difference by 6:1 ratio. On the assumption of supplying 100,000 monitors, there will be US$176.00 monthly if the advertising fee is maximized and US$2.88 monthly if the advertising fee is minimized.

Now let’s calculate the revenue source of Money-Back. There will be the large increasing on the earnings from the banner advertising as the numbers of members, cooperating organizations and monitors are increased.

Let’s assume 2 different cases that 1 million monitors are supplied, and calculate the banner-advertising fee comparing with the newspaper-advertising fee; 100,000 monitors are supplied, and calculate the banner-advertising fee comparing with the Internet-advertising.

We are going to look at the effect of the Chosun Times’ advertising. Let’s assume that a normal person spend 25 minutes to read the newspaper daily. Newspaper has averagely 50 pages, and it takes 30 seconds to read 1 page. If the advertising fee per 1 page of Chosun Times is established to \10 million (this is just an assumption. In the reality, Chosun Times has larger earnings), then it’s \10 million per 30 seconds.

Then now, we are going to calculate TOPHEAD’s banner advertising fee. Tophead monitor works 24 hours a day. So 86,400 seconds a day divide by 30 seconds (the time for 1 page of newspaper advertising) is 2,880 and this means that Tophead monitor is same as the newspaper, which has 2,880 pages. 1 million of Tophead monitor has been supplied and the advertising fee is \10,000,000, so the multiplied value of these two is 288 billion. Average time of computer using is 2 hours and 30 minutes, so the daily advertising fee is 30 billion (288 billion divide by 2.5/24).

However when a Tophead monitor is supplied to a household, it’ll use by all the family. If just 2 family members out of 4 people use the monitor, then it’s doubled. Therefore the daily advertising fee becomes US$48,000,000. The annual advertising fee becomes \2.19 trillion that is 360 days multiply by the daily advertising fee. And the annual earnings from the banner advertising for Tophead monitor are US$1,752,000,000. Also TOPHEAD measures the consumers’ spent time for viewing the advertising and differentiates the rate of the cash back, so there will be more than US$2,000,000,000 earnings from the advertising. If there are 1 million members, then annually US$2,000 will be provided per one person. Additionally, US$80.00 per one person will be also provided from 1%(US$800,000,000) of the total spent money, about US$8,000,000,000 (33% of increase from the standard of 2001). It means that Tophead card members will receive US$2,080.00 annually and US$173.28 monthly.


§ Supplying 100,000 monitors and annual earnings of US$345,600,000

Now we are going to calculate with another method. This method is to calculate the advertising fee due to the number of exposed on the Internet banner. It will be calculated from the total number of exposed on the Internet banner multiply by the advertising unit cost.

The banner advertising of the Tophead monitor exposes 30 seconds at a time. People statistically use computer for 2 hours and 30 minutes, which is 9,000 seconds a day. The number of the banner advertising is 300 daily (9,000 seconds divide by 30 seconds). And multiply it with the advertising unit cost; \4 (the unit cost per 1 exposing) is US$0.96. Assuming the numbers of card as 100,000, then daily advertising fee is US$96,000 (US$0.96 multiply by 100,000). It shows the monthly advertising fee of US$28,800,000 and the annual advertising fee of US$345,600,000.

Each of 100,000 members will receive US$28.80 monthly and US$345.60 annually. According to the rate for the division of earnings from the banner-advertising chart below, the minimum benefit for the card members who don’t use the card will be US$28.80 and for the members who can get all the benefits is maximum US$165.60.


§ Banner advertising earnings by just applying the card

How to divide the earnings from the banner advertising?

All the cooperating card appliers will receive 10% of the total earnings. There will be additional 10% for the members who download the top screen (supporting window) program. And there will be additional 20% for the monitor purchasers and 30% additional for the banner-advertising viewers. There will be special additional point of 6% to 30% for the excellent customers. 

※ Rate for the division of earnings from the banner-advertising