KR102136948B1 - An integrated points-based e-commerce system and a business dealing method for it - Google Patents

Abstract

The present invention relates to an integrated points-based electronic commerce system wherein a member (400) is collected from only people who averagely consume electricity of a predetermined amount or more in each month based on a year and only the member (400) can pay a shopping price with various types of points or mileage held by the member (400), exchange the same for cash, or use the same to buy points or mileage. According to the present invention, the integrated points-based electronic commerce system (1000) comprises: a point exchange (100) performing intermediation to enable a member (400) of a system (1000) operating company (600) to sell all the points or mileage, which are held by the member through various types of online/offline commercial transactions, to the operating company (600) and buy desired points or mileage from the operating company (600); a plurality of online/offline affiliated stores (200) making a predetermined affiliated store contract with the operating company (600) to enable the member (400) to pay for goods with the points or mileage held by the member (400); a universal card (300) used when the member (400) or the affiliated store (200) performs a commercial transaction with the points or mileage held by member (400) or the affiliated store (200); a universal power-saving AVR (500) lent to the member (400) from the operating company (600) based on a predetermined condition; and an online shopping mall (700) directly operated by the operating company (600).

Description

An integrated points-based e-commerce system and a business dealing method for it

The present invention relates to an integrated point-based commerce system and a commerce method therefor. In particular, the present invention relates to a system and method for integrating various types of points through an exchange and trading them among members, transferring them to third parties, making general transactions, and cashing points. will be.

It is a reality in modern society that it is customary to provide bonuses or points and mileages implemented by various companies and branches as a way to adapt to market changes and attract regular customers.

This is one of the customer sales strategies for attracting regular customers and increasing sales, so it is the nature of the case of auditing and using customers, so companies, businesses, and merchants that provide them can use the existing points or mileage in any way. It must be a right of the consumer, and the consumer's right must be supplemented or improved by laws and regulations that must be transferred through procedures, and prior to that, the conscientious consent of companies, businesses, and merchants must first be followed. It will be a way to establish trust.

However, it was often the case that the points corresponding to a small amount were accumulated, or the right could not be exercised due to the deadline for extinguishing points. In particular, points that go to other regions than where they live, even if they have earned a diarrhea, can be almost useless if they can't go to the store, so consumer rights are limited.

In addition, there are some companies that sometimes cannot use points unless more than a certain amount is accumulated, which is frowned upon, but this bad habit should be improved by clearly notifying that the company is dominant.

It is obvious that this is also a misunderstanding of a company that does not understand the nature of the points provided, and it is obvious that it ignores or interferes with the rights of consumers.

No one will deny that it would be an enormous amount every year if the amount of points that are extinguished or unused is converted into an amount because there is no system such as a space or system to transfer or buy mileage generated from these small points or other places.

Prior art of this invention is Patent Publication No. 10-2002-10629 filed by Dong-hoon Lee (published on February 5, 2002) and "How to trade mileage for the Internet" (see Fig. 10). There is a registered patent of 10-0684336 (registered on February 2, 2007) "Mileage auction system and method using the Internet" (refer to FIG. 11). However, these technologies had different problems from those of the invention, and thus, a specific solution to be solved. The means were also different.

The present invention relates to a mileage point transaction method, and a technical problem is to solve problems found in the use of a mileage point in the related art, and to provide a technique that helps not only exercise the rights of consumers but also protect consumers. More specifically, it is to provide an integrated point-based e-commerce system and a commerce method therefor.

Another technical problem of the present invention is to provide a mileage point trading system that allows a point exchange to be bought and sold to use a local limit or a small amount of points. In other words, the point exchange of the present invention is equipped with a computerized system that allows various companies or establishments to register as affiliates, so that they can easily register, and then encourage these companies or establishments to register as affiliates, and when registering, customers It is to provide a technology that enables third-party transfer, which enables members to buy and sell points by signing an agreement for the transfer agreement for points and mileage provided to them.

Other objects and advantages of this invention will become more apparent by reading the detailed description of the invention described below and referring to the accompanying drawings.

The specific solution means of the integrated point-based e-commerce system according to the present invention is as described in claims 1 to 23, and the specific solution means of the commerce method for this is as described in claims 24 to 30.

By implementing the mileage point trading method according to the present invention, not only the consumer's exercise of rights but also legitimate consumer protection can be helped, and local limits or small points can be used through the mileage exchange. In addition, members can buy and sell points through the mileage exchange and transfer it to third parties.

1 is a block diagram of an integrated point-based transaction system according to the present invention.
2 is a flowchart of a transaction method using an integrated point-based transaction system according to the present invention.
3 is an internal configuration diagram of a menu 661 used in the commerce system and method according to the present invention.
4 is an internal configuration diagram of an inquiry menu screen used in a commerce system and method according to the present invention.
5 is an internal configuration diagram of a transfer menu screen used in a commerce system and method according to the present invention.
6 is an internal configuration diagram of a point trading menu screen used in a commerce system and method according to the present invention.
7 is an internal configuration diagram of an AVR rental function menu screen used in a commerce system and method according to the present invention.
8 is a flowchart of a process for digging points in the present invention.
9 is a flowchart of the process of buying points in this invention.
10 is a block diagram of a point transaction system according to the prior art.
11 is a block diagram of a point transaction system according to another prior art.

Now, the configuration and operation principle of the present invention will be described with reference to the accompanying drawings.

1. Integrated point-based e-commerce system

This invention relates to the invention related to claims 1 to 23. In the present invention, on a yearly basis, on average, the members 400 are recruited for only those who use electricity of a predetermined capacity or more on a monthly basis, and then shopping is made by using various points or mileage held by these members 400 only. , This is for the integrated point-based e-commerce system 1000 that can sell these points or mileage for cash or buy points or mileage.

The configuration of the above system 1000 is,

The system (1000) member 400 of the operating company (600) acquires various online and offline transactions and sells all points or mileage held to the operating company (600) or operates the points or mileage desired by the member (400). Point exchange (100) for trading in the middle to buy from the company (600);

A plurality of online and offline affiliated stores 200 that have a predetermined affiliated contract with the operating company 600 so that the member 400 can pay for products with their own points or mileage;

A universal card 300 that is used when the member 400 or the affiliate store 200 conducts commerce using his or her points or mileage;

A universal power-saving AVR 500 that the operating company 600 rents to the member 400 under predetermined conditions; And

An online shopping mall 700 directly operated by the operating company 600;

It is made by providing.

At this time, the above all-round card 300 is a member 400 or merchant 200 identity verification function, a member 400 or a merchant 200 designated by the account of the bank 150, the check card function, postpaid kongkong card Function, credit card function and various points and mileage accumulation function,

Application for membership 400 or affiliated store 200 is made online by accessing the site 650 of the operating company 600, and is registered as a member 400 or affiliated store 200 when all conditions of subscription are satisfied. Card 300 is issued,

The merchant 200 accumulates a certain point to the corresponding universal card 300 through the information of the universal card 300 of the member 400 during the transaction of the member 400,

The operating company 600 notifies the member 400 or the affiliate 200 of the transaction history for all transactions made through the universal card 300 through text, email, or SMS, and the system to the affiliate store 200 (1000) Provide VAN services necessary for operation,

It is characterized by providing preferential points to members 400 and affiliates 200 using the AVR 500 provided by the operating company 600.

In this invention, the above system 1000,

AVR is installed, managed, and A/S is performed to members 400 who have applied for the installation of the above AVR 500, and a number of on/offline affiliates 200 are managed in an area designated by the operating company 600 and , A number of agents 800 that have a predetermined agency contract with the operating company 600 to recruit new members 400 and affiliates 200;

It may be made by further comprising,

At this time, the operating company 600 is the number of new members 400 and affiliates 200 newly secured by the dealer 800, the total number of members 400 and affiliates 200, and the number of complaints from consumers Depending on the reward,

It is preferable that the operating company 600 temporarily and monthly provide financial support until the agency 800 recruits a predetermined member 400 within a predetermined period, but differentially pay the support money by reflecting the performance of recruiting the member 400. .

In addition, in the present invention, the member 400 or the affiliate store 200 accesses the above point exchange 100 site online, enters his/her universal card 300 information required by the exchange 100, and then purchases, sells, When an order is selected and a sell order is placed, the exchange 100 purchases the corresponding point or mileage in the name of the operating company 600, but the predetermined transaction fee is differentiated according to the rate according to the remaining period of the point or mileage. After deduction, the rest of the amount is transferred to the account of the member 400 or the affiliated store 200 in cash, and when the purchase order is placed, if the exchange 100 has the corresponding point or mileage, the member 400 or affiliated store 200 When payment is made through the universal card 300 from the account of ), the points or mileage corresponding to the amount deducting a predetermined transaction fee are charged to the universal card 300 of the member 400 or the affiliated store 200, It is preferable that the transaction contents of all transactions are stored in the ledger memory 1200 inside the system 1000, and the current status of points or mileage information currently retained is updated immediately upon completion of the transaction.

And in this invention, it is preferable to increase or decrease the transaction fee at the time of selling or buying points or mileage depending on the remaining validity period or whether the corresponding point or mileage issuer is the affiliated store 200 of the operating company 600.

In this invention, the member 400 or the affiliated store 200 may transfer the points or mileage held to the third party on the exchange 100 site, where the transferee is the member 400 or the affiliated store of the operating company 600 ( 200).

And in this invention, it is preferable to issue a universal card 300 to the immediate family of the member 400 when the member 400 wants and the member 400 signs a contract to take responsibility for payment with the operating company 600. Do.

In this invention, the above system 1000, if the merchant 200 enters the information of the all-round card 300 of the member 400 or the affiliate store 200 during online and offline commerce, the owner of the all-round card 300 is held It is further equipped with a universal terminal (900) for merchants with a POS function and a function for retrieving status information of points or mileage,

At this time, it is preferable that the member 400 or the affiliate store 200 can check his/her point or mileage information by inputting the universal card 300 information from the operator company site 650.

In the present invention, it is preferable that the exchange 100 purchases only when points or mileages to be purchased are issued from the affiliated store 200.

In addition, in the present invention, the operating company 600 accumulates points or mileage purchased through the exchange 100 for each affiliated store, and when the accumulated amount for each affiliated store reaches a predetermined amount, the amount corresponding to the corresponding affiliated store 200 It is desirable to receive in cash.

In the present invention, the operating company 600 provides a minus card and a check card function as much as the average usage of the universal card 300 for a predetermined period of time by the member 400, so that the member 400 temporarily balances the bank account Even if there is no, it is desirable to allow you to pay with the minus card function.

In this invention, the above universal power-saving AVR 500 has a number of models, and the member 400 can selectively select one of these models, and for this, the member 400 operates a predetermined subscription fee at the time of membership registration. After paying 600), 60% of the subscription fee is a deposit, 40% is the installation fee for the AVR 500, and when the member 400 withdraws, the operating company 600 recovers the installed AVR 500 and investigates a number of deduction conditions. After the deduction is deducted from the deposit, the remaining amount is refunded. At this time, it is desirable that the monthly rent for each AVR model is different.

In this invention, the operating company 600 includes a number of service companies including financial institutions, telecommunications companies, power companies, gas companies, card companies, railway companies, airline companies, subway companies, bus companies, taxi companies, and VAN companies. For members 400 who use the services of these partners by signing a partner agreement in advance as a target, it is desirable that the partners apply a predetermined discount rate to the usage fee.

In this invention, it is desirable for the operating company 600 to provide a public service to refund the amount corresponding to a predetermined ratio among commissions obtained through the sale of points or mileage.

In this invention, it is preferable that the operating company 600 provides the corresponding product at a wholesale price when the merchant 200 requests delivery of the product being sold in the online shopping mall 700;

In this invention, it is preferable that the operating company 600 advertises the system 1000 through various media and Internet media for the benefit of the merchants 200 and the members 400.

In this invention, the above system 1000,

A data center 1100 for storing and backing up various data of the system 1000; And

Security maintenance means 1200 for maintaining the safety of the system 1000 from external hacking forces;

It is preferable to further include.

And, in this invention, the above compensation is paid to the dealer 800 for a certain period of time in the amount of the AVR 700 rental of the members 400 and the merchants 200 secured and managed by the dealer 800 and new It is desirable to pay separate compensation for recruiting members 400 and affiliates 200.

In this invention, the above all-round card 400 is preferably a member (400) or a merchant (200) is a smartphone (1400) installed by downloading a predetermined application (1300) from the operating company site (650). However, it can also be implemented as a separate device.

In this invention, when the member 400 or the merchant 200 using the all-round card 300 with the check-card function uses the transaction check-card function with the all-round card 300, the operating company 600 may make an advance agreement. Accordingly, it is preferable to collect a certain percentage of the amount of the bank fee from the withdrawal bank 150 as the system 1000 usage fee.

In the present invention, the above all-round card 300 is a function for entering and adding existing credit card information used by the member 400 and the affiliate store 200 or deleting the corresponding card from the card list included in the all-round card 300 It is preferred to provide.

In this invention, the universal terminal 900 is preferably achieved by installing a separate software expansion module 1500 on the existing POS machine. Alternatively, it is also possible to develop a new dedicated terminal for this invention.

In this invention, it is preferable that the user login is performed only when the fingerprint recognition or the iris recognition of the member 400 or the affiliated store 200 is performed when using the above universal card 300.

And in this invention, each affiliated store 200 has its own QR code, the universal card 300 is provided with a QR code recognition means 350, the recognition means 350 is the operating company 600 It is preferably provided as an application.

2. Integrated point-based e-commerce system commerce method

On the other hand, the present invention relates to a commerce method operated in the integrated point-based e-commerce system according to claims 1 to 23 described in the preceding 1,

The above commerce method of the invention,

The user member 400 or the affiliate store 200 accesses the site 650 of the operating company 600 and receives authentication (S10);

Selecting a desired menu 661 from the menu list 660 provided by the above site 650 (S20);

When the selected menu is selected in the above step (S20), the lower sub-menu 662 is continuously provided (S30); And

A user performing a desired transaction through the selected menu 661 or sub-menu 662 (S40);

It characterized in that it comprises a.

In the present invention, in the step of receiving the above authentication (S10), it is preferable that the user first inputs the all-round card 300 information and passes the process to recognize fingerprints, irises or both simultaneously.

In this invention, the above menu 661 includes inquiry, transfer, point sales, and AVR rental functions, wherein

The above inquiry function includes the balance inquiry of points or mileage, inquiry of deposit account, inquiry of various cards, and inquiry of AVR rental information (S31),

The transfer function includes the step of transferring various payments to one or more of points, mileage, cash, and various cards using a universal card 300 (S32) to a receiving account designated by the user,

The point sales function above sells points or mileage held by the user to the operating company 600 through the point trading and exchange exchange 100, or buys points or mileage held by the operating company 600, or operates the operating company ( 600) the step (S33) of selling the points or mileage held by the affiliated store 200 that issued it,

The above AVR rental function is that the member (400) or the affiliate store (200) applies for the rental of the AVR (500) through the operating company (600) and the local agency (800) in jurisdiction. And a step of paying a predetermined rent every month (S34).

It is preferred.

And in this invention, the step of selling a point or mileage by the user (S33a),

Moving to the selling application screen (S33a1);

Entering the type and quantity information of the point or mileage desired to be sold on the selling application screen and transmitting the information to the trading and exchange exchange 100 (S33a2); And

After the exchange 100 deducts a predetermined transaction fee differentially from the face value of the point or mileage according to the remaining validity period of the point or mileage, deposits the selling balance to the user's designated bank account (S33a3) ;

Including,

The step of the user buying points or mileage (S33b),

Moving to the purchase application screen (S33b1);

Step of notifying the type and quantity information of the point or mileage you want to buy to the exchange and exchange 100 (S33b2); And

The exchange 100 deducting a predetermined transaction fee differentially from the face value of the point or mileage according to the remaining validity period of the point or mileage and accumulating it to the user's universal card 300 (S33b3);

It is preferred to include.

In the present invention, in the above step (S33), the exchange 100 separates points or mileage for each affiliated store 200 to store relevant information including valid institutions, face value, holding amount, and name of the issuing store, and periodically related information If the expiration date is expected to expire within a predetermined date by searching, or if there is a point or mileage that has reached a certain amount, request the cash payment from the issuing store, and accordingly deposit the corresponding amount from the issuing merchant 200 to the designated account It is preferable to further include step S33c.

In this invention, all commerce records of the above system 1000 are converted into a blockchain form and stored in the server 650 on the operating company 600, which is backed up and stored and managed in the data center 1100, all When the commerce occurs, the server 650 preferably informs the user of the occurrence of the commerce through one of the universal card 300, text, email, and SMS.

In this invention, the member 400 or the affiliate store 200 accesses the site 650 of the operating company 600 using his all-around card 300 to query all his commerce records and the status of his assets. It is desirable to be able to.

As such, the present invention can be modified in various ways and can take various forms, and the detailed description of the above invention describes only specific embodiments accordingly. It should be understood, however, that this invention is not limited to the particular forms mentioned in the detailed description of the invention above, but rather all modifications and equivalents within the spirit of this invention as defined by the appended claims and within the scope of the accompanying drawings. And alternatives.

This invention relates to a technology that can be applied directly in an online commerce system, and thus has a very high industrial applicability.

100: point trading and exchange
150: Bank
200: Online and offline merchants that can trade points
300: universal card for point transactions
350: QR code recognition means
400: Member
500: universal power-saving AVR
600: system operating company
650: operator site
660: list
661: Menu
662: sub menu
700: the company's online shopping mall
800: distributor
900: universal terminal for merchants
1000: system
1050: system server
1100: data center
1200: Security measures
1300: Applications
1400: smartphone
1500: software extension module
1600: ledger memory

Claims (30)

On a yearly basis, on a monthly basis, only members who use a certain amount of electricity or more on a monthly basis are recruiting members 400, and then paying for shopping using various points or mileage held by these members 400 only, or In the integrated point-based e-commerce system 1000, which can sell mileage for cash or buy points or mileage,
The above system 1000,
The system (1000) member 400 of the operating company (600) acquires various online and offline transactions and sells all points or mileage held to the operating company (600) or operates the points or mileage desired by the member (400). Point exchange (100) for trading in the middle to buy from the company (600);
A plurality of online and offline affiliated stores 200 that have a predetermined affiliated contract with the operating company 600 so that the member 400 can pay for products with their own points or mileage;
A universal card 300 that is used when the member 400 or the affiliate store 200 conducts commerce using his or her points or mileage;
A universal power-saving AVR 500 that the operating company 600 rents to the member 400 under predetermined conditions; And
An online shopping mall 700 directly operated by the operating company 600;
It is made of,
At this time, the above all-round card 300 is a member 400 or merchant 200 identity verification function, a check card function linked to the account of the bank 150 designated by the member 400 or the merchant 200, postpaid transportation card Function, credit card function and various points and mileage accumulation function,
Application for membership 400 or affiliated store 200 is made online by accessing the site 650 of the operating company 600, and is registered as a member 400 or affiliated store 200 when all conditions of subscription are satisfied. Card 300 is issued,
The merchant 200 accumulates a certain point to the corresponding universal card 300 through the information of the universal card 300 of the member 400 during the transaction of the member 400,
The operating company 600 notifies the member 400 or the affiliate 200 of the transaction history for all transactions made through the universal card 300 through text, email, or SMS, and the system to the affiliate store 200 (1000) Provide VAN services necessary for operation,
An e-commerce system based on an integrated point, characterized in that it provides preferential points to members 400 and affiliates 200 using the AVR 500 provided by the operating company 600. In claim 1, the above system 1000,
AVR is installed, managed, and A/S is performed to members 400 who have applied for the installation of the above AVR 500, and a number of on/offline affiliates 200 are managed in an area designated by the operating company 600 and , A number of agents 800 that have a predetermined agency contract with the operating company 600 to recruit new members 400 and affiliates 200;
It is made by further comprising,
At this time, the operating company 600 is the number of new members 400 and affiliates 200 newly secured by the dealer 800, the total number of members 400 and affiliates 200, and the number of complaints from consumers Depending on the reward,
The operating company 600 provides monetary support on a monthly basis until the agency 800 recruits a predetermined member 400 within a predetermined period of time, but differentially pays the support money by reflecting the performance of recruiting the member 400. A, integrated point-based e-commerce system. In the claim 1, the member 400 or the affiliate store 200 accesses the above point exchange 100 website online and enters his/her universal card 300 information required by the exchange 100, and then purchases, sells, When an order is selected and a sell order is placed, the exchange 100 purchases the corresponding point or mileage in the name of the operating company 600, but the predetermined transaction fee is differentiated according to the rate according to the remaining period of the point or mileage. After deduction, the rest of the amount is transferred to the account of the member 400 or the affiliated store 200 in cash, and when the purchase order is placed, if the exchange 100 has the corresponding point or mileage, the member 400 or affiliated store 200 When payment is made through the universal card 300 from the account of ), the points or mileage corresponding to the amount deducting a predetermined transaction fee are charged to the universal card 300 of the member 400 or the affiliated store 200, The transaction content of all transactions is stored in the ledger memory 1600 inside the server 650, and the current point or mileage status information content currently in possession is updated upon completion of the transaction. In claim 3, the transaction fee at the time of selling or buying points or mileage is increased or decreased according to the remaining validity period, or whether the corresponding point or mileage issuer is the affiliated store 200 of the operating company 600. Based e-commerce system. In claim 1, the member 400 or the affiliated store 200 can transfer the points or mileage held to the third party on the exchange 100 site, where the transferee is the member 400 or the affiliated store of the operating company 600 E-commerce system based on the integrated point, characterized in that it should be (200). In claim 1, if the member 400 wants and the member 400 enters into a contract to take responsibility for payment with the operating company 600, it is characterized by issuing the universal card 300 to the immediate family of the member 400 E-commerce system based on integrated points. In claim 1, the above system (1000), if the merchant 200 enters the all-around card 300 information of the member 400 or the merchant 200 during online and offline transactions, the owner of the all-around card 300 is retained. It is further equipped with a universal terminal (900) for merchants with a POS function and a function for retrieving status information of a point or mileage in use
At this time, the member 400 or the affiliated store 200 may enter the universal card 300 information at the operator company site 650 to check their point or mileage information, an integrated point-based e-commerce system . In claim 1, the exchange 100 is characterized in that the point or mileage to be purchased only when issued from the merchant 200, integrated point-based e-commerce system. In claim 1, the operating company 600 accumulates points or mileage purchased through the exchange 100 for each affiliated store, and when the accumulated amount of each affiliated store reaches a predetermined amount, the corresponding amount of the corresponding point is applied to the affiliated store 200 E-commerce system based on integrated points, characterized by receiving cash in cash. In claim 1, the operating company 600 provides a minus card and a check card function as much as the average usage of the universal card 300 for a predetermined period of time by the member 400, so that the member 400 temporarily enters the bank account. An integrated point-based e-commerce system characterized by allowing payment with a minus card function even when there is no balance. In claim 1, the above universal power-saving AVR 500 has a number of models, and the member 400 can selectively select one of these models, and for this, the member 400 operates a predetermined subscription fee when registering as a member. After paying (600), 60% of the subscription fee is a deposit, 40% is the AVR 500 installation fee, and when the member 400 withdraws, the operating company 600 recovers the installed AVR 500 and investigates a number of deduction conditions Subsequently, after deducting the deduction from the deposit, the remaining amount is refunded. At this time, the monthly rent is different for each AVR model, and the integrated point-based e-commerce system. In claim 1, the operating company 600 is a number of service companies, including financial institutions, telecommunications companies, power companies, gas companies, card companies, railway companies, airlines, subway companies, bus companies, taxi companies, VAN companies An e-commerce system based on an integrated point, characterized in that a predetermined discount rate is applied to a fee for use by a member 400 for members 400 who use the services of these partners by signing a partner agreement in advance. The integrated point-based e-commerce system according to claim 1, characterized in that the operating company (600) provides a public service to refund the amount of money corresponding to a predetermined ratio among commissions obtained through the sale of points or mileage. . In claim 1, the operating company 600, the merchant 200, the online shopping mall 700; When requesting the delivery of goods being sold in the wholesale price, characterized by providing the product at a wholesale price, integrated point-based e-commerce system . In accordance with claim 1, the operating company 600 is based on the integrated point, characterized in that it advertises the system 1000 through various media and Internet media for the benefit of the affiliated stores 200 and the members 400. E-commerce system. In claim 1, the above system 1000,
A data center 1100 for storing and backing up various data of the system 1000; And
Security maintenance means 1200 for maintaining the safety of the system 1000 from external hacking forces;
It characterized in that it further comprises, an integrated point-based e-commerce system. In the claim 2, the above compensation is paid to the dealer 800 for a certain period of time in the amount of the AVR 700 rental of the members 400 and the merchants 200 secured and managed by the dealer 800 and newly An e-commerce system based on integrated points, characterized in that separate rewards are paid for recruiting members 400 and affiliates 200. In claim 1, the all-round card 300 is characterized in that the member (400) or the merchant (200) is a smartphone (1400) installed and downloaded a predetermined application (1300) from the operating company site (650). , Integrated point-based e-commerce system. In claim 1, when the member 400 or the merchant 200 using the universal card 300 with the check card function uses the transaction card check card function with the universal card 300, the operating company 600 makes an advance agreement An e-commerce system based on the integrated point, characterized by collecting a certain percentage of the amount of the bank fee from the withdrawal bank 150 as a fee for using the system 1000. In claim 1, the above all-round card 300 is added by entering the existing credit card information used by the member 400 and the merchant 200, or delete the corresponding card from the card list included in the all-round card 300 Integrated point-based e-commerce system, characterized by providing a function. In claim 1, Universal terminal (900) is characterized in that it is achieved by installing a separate software expansion module (1500) in the existing POS machine, an integrated point-based e-commerce system. In claim 1, when using the all-round card 300, characterized in that the user login is performed only when the fingerprint or iris recognition of the member 400 or the affiliated store 200 is performed, the integrated point-based e-commerce system. In claim 1, each affiliated store 200 has its own QR code, the universal card 300 is provided with a QR code recognition means 350, the recognition means 350 is an operating company (600) Characterized in that provided by the application, the integrated point-based e-commerce system. In the commerce method operating in the integrated point-based e-commerce system according to claims 1 to 23,
The above commerce method,
The user member 400 or the affiliate store 200 accesses the site 650 of the operating company 600 and receives authentication (S10);
Selecting a desired menu 661 from the menu list 660 provided by the above site 650 (S20);
When the selected menu is selected in the above step (S20), the lower sub-menu 662 is continuously provided (S30); And
A user performing a desired transaction through the selected menu 661 or sub-menu 662 (S40);
Characterized in that it comprises, a commerce method for an integrated point-based e-commerce system. In claim 24, in the authentication step (S10), when the user first inputs the universal card 300 information and passes this process, recognition using fingerprints and/or irises is performed. Commerce method for e-commerce system. In claim 24, the above menu 661 includes inquiry, transfer, point sales and AVR rental functions, wherein
The above inquiry function includes the balance inquiry of points or mileage, inquiry of deposit account, inquiry of various card related information, and inquiry of AVR rental related information (S31),
The transfer function includes a step (S32) of transferring various payments to one or more of points, mileage, cash, and various cards using a universal card 300 to a receiving account designated by the user,
The point sales function above sells points or mileage held by the user to the operating company 600 through the point trading and exchange exchange 100, or buys points or mileage held by the operating company 600, or operates the operating company ( 600) the step (S33) of selling the points or mileage held by the affiliated store 200 that issued it,
The above AVR rental function is that the member (400) or the affiliate store (200) applies for the rental of the AVR (500) through the operating company (600) and the local agency (800) in jurisdiction. And a step of paying a predetermined rent every month (S34).
Characterized in that, the commerce method for an integrated point-based e-commerce system. The method of claim 26, wherein the user sells points or mileage (S33a),
Moving to the selling application screen (S33a1);
Entering the type and quantity information of the point or mileage desired to be sold on the selling application screen, and transmitting the information to the trading and exchange exchange (S33a2); And
After the exchange 100 deducts a predetermined transaction fee differentially from the face value of the point or mileage according to the remaining validity period of the point or mileage, deposits the selling balance to the user's designated bank account (S33a3) ;
Including,
The step of the user buying points or mileage (S33b),
Moving to the purchase application screen (S33b1);
Step of notifying the type and quantity information of the point or mileage you want to buy to the exchange and exchange 100 (S33b2); And
The exchange 100 deducting a predetermined transaction fee differentially from the face value of the point or mileage according to the remaining validity period of the point or mileage and accumulating it to the user's universal card 300 (S33b3);
It characterized in that it comprises, integrated point-based e-commerce system for commerce method. In claim 26, in the above step (S33), the exchange 100 separates points or mileage for each affiliated store 200 to store relevant information including valid institutions, face value, holding amount, and issuer name, and periodically related information Search for a validity period that will expire within a predetermined period of time, or if there is a point or mileage that has reached a certain amount, request the cash payment to the issuer, and accordingly deposit the amount in the issuing merchant 200 into the designated account It characterized in that it further comprises a step (S33c), the integrated point-based e-commerce system commerce method. In claim 24, all the transaction records of the above system (1000) are converted into a blockchain form and stored in the server (650) of the operating company (600), which is backed up and stored and managed in the data center (1100), When all commerce occurs, the server 650 notifies the user of the occurrence of the commerce through one of the all-round card 300, text, e-mail, and SMS, an integrated point-based commerce method for an e-commerce system. In claim 29, the member 400 or the merchant 200 accesses the site 650 of the operating company 600 using his universal card 300 to view all his commerce records and the status of his assets. A commerce method for an integrated point-based e-commerce system, characterized by being able to.

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