KR100441874B1 - Method for electronic commerce using discount security of money - Google Patents

Abstract

The present invention relates to a continuous iterative electronic commerce method using a discount collateral, in particular, electronic using a discount collateral to provide an e-commerce service through an Internet connection between a plurality of user interface unit and the e-commerce server system having a database In the commerce method, the e-commerce server system receives the login information including the user ID and password from the user interface unit and performs a member authentication process, and then the discount width is proportional to the product list information and the purchase quantity per unit period. A step 100 of providing the presented product information through a web browser of the user interface unit; The e-commerce server system presents an integrated discount rate based on the information on the upcoming purchase item, the upcoming purchase period, the upcoming purchase amount, etc. input by the user, receives the information on the purchase purchase agreement, and the discount collateral information corresponding to the discount amount. Transmitting a notification to the user by transmitting a message to the user interface unit; Step 300, the electronic commerce server system receiving payment discounts according to a product purchase agreement from the user interface unit or securing purchases using a user's personal financial account; A step 400 of receiving, by the electronic commerce server system, product purchase schedule information including items to be purchased, quantity and period of time from a user; A step 500 in which the electronic commerce server system receives a settlement amount by subtracting a sum corresponding to a discount amount corresponding to a purchase item and a purchase quantity and a discount collateral when a product purchase request is made from a user; The electronic commerce server system converts the remaining discount collateral into an electronic discount coupon so as to enable the sale or transfer of the electronic discount coupon to a third member when the user requests to switch to the electronic discount coupon before the expiration of the product purchase contract period from the user. Step 600 to exhaust the members of the; And if the e-commerce server system converts the discount collateral committed by the member to the electronic discount coupon and then becomes fine until the contract period expires, the electronic discount coupon for the discount collateral is included in the step 700. In addition, the present invention provides a certain amount of a certain amount, more than a certain amount of money within a certain period of time to the seller through the deposit of the discount collateral, the specific benefit that is usually generated when a large amount of purchase or when a fixed customer of a specific company By making it enjoyable, it has the outstanding effect of promoting consumers' rational purchase and activating e-commerce accordingly.

Description

E-commerce method using discount collateral {METHOD FOR ELECTRONIC COMMERCE USING DISCOUNT SECURITY OF MONEY}

The present invention relates to a continuous and repetitive e-commerce method using a discount collateral, and more particularly, the seller presents a predetermined discount rate to a prospective buyer who anticipates the purchase of a certain quantity or a certain amount of goods within a predetermined period, If you commit to purchasing a product based on a discount rate provided by the Company, each time you make a deposit in accordance with the discount rate provided, and make a purchase each time within the fixed period, the transaction price is the amount less than the discount amount already presented and the discount amount already deposited. It relates to an electronic commerce method using a discount mortgage to be made.

Conventional e-commerce method is a way to accumulate bonus points in conjunction with the purchase of the product to the customer of the shopping mall and discount the product price by the bonus points earned when purchasing a new product, and multiple buyers at the same time a large amount of the same kind of goods In the case of purchasing as a joint purchase method to give a discount through a peel off, and auction and reverse auction method such that a number of buyers can purchase the product at a discounted price through competition has been used as a general e-commerce method.

However, when a large number of customers want to purchase an item using the conventional e-commerce method as described above, an e-commerce method in which a small amount of a product is usually purchased by an individual requires a seller to provide a portion of the sales profit in the form of bonus points. However, there is a problem that the discount rate of the buyer is too low because the value of the bonus point is inferior to the price of the product, and in the case of the joint purchase method, various unspecified customers who want to purchase the same kind of product must exist. Can not buy timely products and necessary goods in addition to the auction and reverse auction method, every time you want to buy the necessary products, you have to overcome the competition to buy at a discounted price is not only troublesome Get the products you need more reliably at a discounted price There was a problem that can meet the needs of buyers who want to.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to ensure that the purchaser in a certain period, a certain amount or more of the purchase as a guaranteed collateral instead of the bulk purchase from the seller, securing a fixed customer, etc. It is possible to activate e-commerce by enabling buyers and consumers to trade at lower prices by allowing buyers to receive profits from discounted marketing costs and efficient inventory management through easier demand forecasting. It is to provide an e-commerce method using a discount mortgage that allows.

In order to achieve the above object, the electronic commerce method using the discount mortgage of the present invention includes an electronic product using a discount mortgage for providing an electronic commerce service through an Internet connection between a plurality of user interface units and an electronic commerce server system having a database. In the commerce method,

The e-commerce server system receives the login information including the user ID and password from the user interface unit, performs a member authentication process, and then lists the product information and the product information presented with a discount width proportional to the purchase quantity per unit period. A step 100 provided through a web browser of a user interface unit;

The e-commerce server system presents an integrated discount rate based on the information on the upcoming purchase item, the upcoming purchase period, the upcoming purchase amount, etc. input by the user, receives the information on the purchase purchase agreement, and the discount collateral information corresponding to the discount amount. Transmitting a notification to the user by transmitting a message to the user interface unit;

Step 300, the electronic commerce server system receiving payment discounts according to a product purchase agreement from the user interface unit or securing purchases using a user's personal financial account;

A step 400 of receiving, by the electronic commerce server system, product purchase schedule information including an item to be purchased, a quantity, and a period from a user;

A step 500 in which the electronic commerce server system receives a settlement amount by subtracting a sum corresponding to a discount amount corresponding to a purchase item and a purchase quantity and a discount collateral when a product purchase request is made from a user;

The electronic commerce server system converts the remaining discount collateral into an electronic discount coupon so as to enable the sale or transfer of the electronic discount coupon to a third member when the user requests to switch to the electronic discount coupon before the expiration of the product purchase contract period from the user. Step 600 to exhaust the members of the; And

The electronic commerce server system is characterized in that it comprises a step 700 to assign the electronic discount coupon for the discount mortgage to the site, even if the discount mortgage committed by the member is converted to the electronic discount coupon before the expiration of the contract period. .

1 is a system diagram showing a system for explaining an electronic commerce method using a discount collateral according to an embodiment of the present invention,

2 is an operation flowchart showing an electronic commerce method using a discount collateral in accordance with an embodiment of the present invention,

3 is an operation flowchart showing in detail the operation of step 100 (S100) of the electronic commerce method using the discount collateral according to Figure 2,

4 is an operation flowchart showing in detail the operation of step 200 (S200) of the electronic commerce method using the discount collateral according to Figure 2,

5 is an operation flowchart showing in detail the operation of step 300 (S300) of the electronic commerce method using the discount collateral according to Figure 2,

6 is an operation flowchart showing in detail the operation of step 400 (S400) of the electronic commerce method using the discount collateral according to FIG.

FIG. 7 is a flowchart illustrating an operation process of step 600 of the electronic commerce method using the discount collateral according to FIG. 2 in detail.

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

100: user interface 200: e-commerce server system

300: database

Hereinafter, a continuous and repetitive e-commerce method using a discount collateral according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a system network diagram illustrating a continuous and repetitive e-commerce method using a discount collateral according to an embodiment of the present invention, a continuous and repetitive e-commerce using a discount collateral according to an embodiment of the present invention. The system diagram for the method is composed of a plurality of user interface units 100, an e-commerce server system 200, and a database 300.

The user interface 100 receives the product purchase agreement information selected by the user after receiving the product information in which the list information for each product and the discount width in proportion to the purchase quantity per unit period are provided from the e-commerce server system 200 through an Internet connection. Outputs to the e-commerce server system 200, while receiving the information on the discount collateral to which the integrated discount rate is applied from the e-commerce server system 200, and at the same time, the personal financial information of the financial institution to pay the corresponding discount collateral. It serves to transmit to the e-commerce server system 200.

Here, the user interface unit 100 having the web browser is an information device capable of accessing the Internet through a wired or wireless connection, and a personal computer, a PDA, and a mobile phone type may be applied thereto, and the electronic commerce server system 200 It is a user terminal that can purchase goods through internet connection.

In addition, the e-commerce server system 200 receives the login information from the user interface unit 100 and performs a member authentication process, and then displays the product information in which the list width for each product and a discount width proportional to the purchase quantity per unit period are presented. Provided through the web browser of the user interface unit 100, and receives information such as the purchase item, the purchase period and the expected purchase quantity input by the user from the user interface unit 100 based on the integrated discount rate After calculating and presenting to the user, and after receiving the product purchase agreement information, it serves to notify the discount collateral by transmitting the corresponding discount collateral information to the user using the user interface unit 100.

In addition, the database 300 stores the user information, the product purchase agreement information, and the like, which are login information including a user ID and a password, etc., from the e-commerce server system 200, and simultaneously uses the user interface unit 100. It serves to store a plurality of product information to be provided to the user.

On the other hand, the discount collateral used in the electronic commerce method of the present invention is briefly defined as follows.

Here, discount collateral means that if the buyer promises the seller to purchase more than a certain amount of a certain product for a certain period of time, the seller has the advantage of securing mass sales or securing fixed customers. A wide range of prices would be possible. However, in this case, the seller may be able to sell at an expanded discount only if there is a certain guarantee of the buyer to purchase a certain amount of goods for a certain period of time. Discounted collateral refers to money that guarantees the seller's compliance with the contract by depositing in advance to the seller an amount corresponding to the discount that the buyer can commit to purchasing a certain quantity of goods for a certain period of time. Such discounted collateral will be refunded in the form of a deduction, with discounts presented corresponding to the items purchased and quantity and amount at the time of purchase.

Next, the electronic commerce method using the discount collateral according to an embodiment of the present invention using the system network diagram for the electronic commerce method using the discount collateral having the above configuration will be described.

2 is an operation flowchart illustrating an electronic commerce method using a discount collateral according to an embodiment of the present invention.

First, the e-commerce server system 200 receives the login information including the user ID and password from the user interface unit 100 and performs a member authentication process, which is proportional to the product list information and the purchase quantity per unit period. The product information provided with the discount width is provided through the web browser of the user interface unit 100 (S100).

Here, the detailed operation process of the 100th step S100 will be described in more detail with reference to FIG. 3.

The e-commerce server system 200 receives a connection request signal from the user interface unit 100 and provides a corresponding login window through a web browser of the user interface unit 100 (S101).

Then, the e-commerce server system 200 receives the login information including the user ID and password from the user interface unit 100 (S102).

Subsequently, the e-commerce server system 200 determines whether the input login information is usable member information (S103).

In this case, when the member information is usable in the 103 th step (S103), the e-commerce server system 200 displays the product information in which the list information for each product and a discount width proportional to the purchase quantity per unit period are presented. Provided through the web browser (100) (S104).

On the other hand, if the member information available in step 103 (S103) is not available, the e-commerce server system 200 provides an input window for membership registration through the web browser of the user interface unit 100 to sign up for membership. After inducing to proceed to the 101 step (S101) (S105).

Subsequently, the e-commerce server system 200 presents an integrated discount rate based on information such as a purchase item, a purchase period, and a purchase amount input by the user, and receives product purchase agreement information and at the same time receives a discount amount. The corresponding discount collateral information is transmitted to the user interface unit 100 to notify the corresponding user (S200).

Here, the detailed operation of the 200 th step S200 will be described in more detail with reference to FIG. 4.

First, the e-commerce server system 200 receives a purchase schedule item, a purchase schedule period, and a purchase schedule quantity input by the user through the user interface unit 100 (S201).

Subsequently, the electronic commerce server system 200 calculates an integrated discount rate based on the information, such as an item to be purchased, the period and the quantity input by the user, and then presents it to the user through the user interface 100 (S202). .

Thereafter, the electronic commerce server system 200 determines whether the product purchase agreement information is input by the user through the user interface unit 100 (S203).

In this case, when the product purchase agreement information is not input in step 203 (S203), the flow proceeds to step 201 (S201), and when the product purchase agreement information is input, the e-commerce server system 200 purchases a product. The discount collateral information corresponding to the contract information is transmitted to the user interface unit 100 to notify the user (S204).

Subsequently, the e-commerce server system 200 receives payment from the user through the user interface unit 100, the discount collateral according to the product purchase agreement, or secures the purchase using the user's personal financial account (S300).

Here, the detailed operation process of the 300th step S300 will be described in more detail with reference to FIG. 5.

First, the e-commerce server system 200 determines whether the payment method of the discount collateral is directly paid to the site by the user (S301).

In this case, when the payment method of the discount collateral is the direct payment method to the site in step 301, the e-commerce server system 200 allows the user to select a plurality of financial institutions that can be paid. Displayed through the web browser of the unit 100 (S302).

Subsequently, the e-commerce server system 200 receives selection information of a specific financial institution of the user that can be paid among a plurality of financial institutions from the user (S303).

Then, the e-commerce server system 200 receives the personal financial information required for payment from the user (S304).

Subsequently, the electronic commerce server system 200 receives the discount collateral from a financial institution (not shown) through the personal financial information input from the user and completes the settlement of the discount collateral (S305).

On the other hand, if the payment method of the discount collateral in the step 301 (S301) is not a direct payment method to the site, the e-commerce server system 200 is made by the payment method by setting the account collateral payment of the discount collateral Recognize that the loss (S306).

Here, the account collateral setting means that the user sets a state in which it is impossible to withdraw the amount set by the account collateral from his account through the financial institution.

Subsequently, the electronic commerce server system 200 receives personal financial information such as an account number of a financial institution that can set up account collateral so that the user cannot withdraw as much as a discount collateral (S307).

Then, the e-commerce server system 200 uses the personal financial information received from the user to perform the request for approval of the account collateral setting to the financial institution, and receives the approval details from the financial institution to complete the settlement of the discount collateral. (S308).

Accordingly, the user may not withdraw the amount set by the account collateral for his account by the discount collateral.

Subsequently, the e-commerce server system 200 receives product purchase schedule information including an item to be purchased, a quantity, and a period from the user (S400).

Here, the detailed operation of the 400th step S400 will be described in more detail with reference to FIG. 6.

The e-commerce server system 200 receives from the user the items and the quantity according to the purchase agreement for each time through the user interface unit 100 (S401).

Subsequently, the e-commerce server system 200 repeatedly and repeatedly notifies the user of the purchase time, the purchased item, and the purchased quantity from the personal communication means such as an e-mail or a text message of the mobile phone from a few days before the scheduled purchase time (S402). .

Then, the e-commerce server system 200 determines whether a purchase schedule change signal is input from the user (S403).

At this time, if the purchase schedule change signal is not input from the user in step 403 (S403), the flow proceeds to step 402 (S402), and when the purchase schedule change signal is input from the user, the e-commerce server system 200 Approve the change in the purchase time and the quantity of the product requested to be changed by the user and receive the changed product purchase schedule information (S404).

Subsequently, the e-commerce server system 200 receives a settlement amount by subtracting the amount corresponding to the discount amount and the discount collateral corresponding to the purchase item and the purchase quantity when the product purchase request is made from the user (S500). Thereafter, the e-commerce server system 200 completes the delivery of the purchased items and the quantity to the corresponding customer within a specific period through an offline delivery system.

On the other hand, if the user at the time of the product purchase request in the 500th step (S500) is the customer set the account security, the e-commerce server system 200 notifies the financial institution each time the product purchase settlement is made and the financial institution discounts Decrease the amount of the mortgage set by the amount.

Thereafter, the e-commerce server system 200 provides an electronic discount coupon for the remaining discount collateral to enable the sale or transfer of the electronic discount coupon to a third member when the user requests to switch to the electronic discount coupon before the expiration of the product purchase contract period. After switching to provide the user interface 100 through the third member is exhausted (S600).

Here, the detailed operation of the 600th step S600 will be described in more detail with reference to FIG. 7.

First, the e-commerce server system 200 receives a switch request signal to the electronic discount coupon before the expiration of the product purchase agreement period from the user (S601).

Subsequently, the e-commerce server system 200 determines whether the user who has requested to switch to the electronic discount coupon is the customer who directly pays the discount collateral to the site (S602).

In this case, when the customer pays the discount collateral directly to the site in step 602 (S602), the e-commerce server system 200 checks the remaining discount collateral of the corresponding user and electronic discount corresponding to the discount collateral as much as the balance. Switch to the coupon is provided through the user interface unit 100 to be exhausted to the third member (S603).

Thereafter, the user transfers and sells the electronic discount coupon to a third member through a specific bulletin board of the e-commerce server system 200, and the electronic commerce server system 200 transfers and sells the electronic discount coupon. Refund the amount paid by the third member on behalf of the financial settlement to the user.

On the other hand, if the customer does not pay the discount collateral directly to the site in step 602 (S602), the e-commerce server system 200 the user who made a request to switch to the electronic discount coupon discount through the account collateral setting Recognize that the customer has pledged collateral (S604).

Subsequently, the e-commerce server system 200 receives the remaining discounted collateral amount through the setting of the discount item, the discount rate, and the account collateral from the user, and displays the discounted collateral amount through a specific bulletin board in the corresponding site (S605).

Thereafter, the e-commerce server system 200 receives a purchase request signal of the remaining discount collateral displayed on the bulletin board from the third member (S606).

Subsequently, the electronic commerce server system 200 receives the payment amount required for the purchase of the remaining electronic discount coupon from the third member and sends the termination approval request information of the account security setting for the remaining discount collateral to the financial institution. (S607).

Thereafter, the e-commerce server system 200 receives the approval information corresponding to the termination approval request information of the account security setting from the corresponding financial institution and then notifies the member of the corresponding site the approval of the termination of the account security setting (S608). ).

Thereafter, the e-commerce server system 200 attains the electronic discount coupon for the discount collateral to the site when the member is converted to the electronic discount coupon before the contract period expires even after converting the discount collateral to the electronic discount coupon (S700).

In addition, a customer who sets discount mortgage by the method of setting an account mortgage notifies the financial institution of the remaining discount mortgage information on the site after the contract period expires, and receives the remaining discount mortgage from the financial institution.

The electronic commerce method using the present invention discount mortgage as described above allows a plurality of shopping mall users to receive a further discount on the discount mortgage in proportion to the product's requirements and the contract period, thereby reducing the consumer's purchase cost. And provides reasonable consumption, and provides the operator with the advantage of enabling the forecasting of the demand through the guarantee of the purchase of the consumer to increase the efficiency of production and inventory management.

As described above, according to the continuous repetitive e-commerce method using the discount collateral according to the present invention, a discount collateral according to a commodity purchase agreement is deposited from a consumer who plans to consume a certain amount of the product within a predetermined period and corresponds to the discount collateral. By making it possible to induce consumers to make rational purchases through additional discounts on purchased products, the outstanding effect of promoting the rational purchase of consumers by maximizing discount rate through deposit of discount mortgage and activating e-commerce accordingly. have.

In addition, it is possible for consumers to induce planned consumption according to the required goods, thereby reducing the waste and cost of inventory items caused by the purchase of unnecessary goods, and for business operators, Demand forecasting not only reduces production and distribution costs by increasing production efficiency, inventory management efficiency, and marketing costs, but also enables stable e-commerce through continuous and repetitive acquisition of multiple customers. It has the effect of making it possible.

Claims (10)

In the electronic commerce method using a discount collateral to provide an e-commerce service through the Internet access between the e-commerce server system having a plurality of user interface unit and the database, The e-commerce server system receives the login information including the user ID and password from the user interface unit, performs a member authentication process, and then lists the product information and the product information presented with a discount width proportional to the purchase quantity per unit period. A step 100 provided through a web browser of a user interface unit; The e-commerce server system presents an integrated discount rate based on the information on the upcoming purchase item, the upcoming purchase period, the upcoming purchase amount, etc. input by the user, receives the information on the purchase purchase agreement, and the discount collateral information corresponding to the discount amount. Transmitting a notification to the user by transmitting a message to the user interface unit; Step 300, the electronic commerce server system receiving payment discounts according to a product purchase agreement from the user interface unit or securing purchases using a user's personal financial account; A step 400 of receiving, by the electronic commerce server system, product purchase schedule information including items to be purchased, quantity and period of time from a user; Step 500, when the electronic commerce server system requests a product purchase from a user, the payment is made by subtracting the amount corresponding to the discount amount and the discount collateral corresponding to the purchase item and the purchase quantity; The electronic commerce server system converts the remaining discount collateral into an electronic discount coupon so as to enable the sale or transfer of the electronic discount coupon to a third member when the user requests to switch to the electronic discount coupon before the expiration of the product purchase contract period from the user. Step 600 to exhaust the members of the; And If the e-commerce server system, even after converting the discount mortgage promised by the member to the electronic discount coupon, and has been fine until the end of the contract period, characterized in that step 700 is performed to assign the electronic discount coupon for the discount mortgage to the site E-commerce method using discount collateral. The method of claim 1, In step 100, the electronic commerce server system receives an access request signal from a user interface unit and simultaneously provides a corresponding login window through a web browser of the user interface unit; Step 102, wherein the electronic commerce server system receives input of login information including a user ID and a password from the user interface; Step 103, the electronic commerce server system determining whether the input login information is usable member information; And In the step 104, when the member information is available for use in step 103, the electronic commerce server system provides the commodity list information and the commodity information in which a discount width proportional to the purchase quantity per unit period is provided through the web browser of the user interface unit. E-commerce method using a discount mortgage, characterized in that consisting of. The method of claim 2, If the member information is not available in step 103, the e-commerce server system provides a member registration input window through a web browser of the user interface unit to induce membership and proceeds to step 101. E-commerce method using a discount collateral, characterized in that further comprising. The method of claim 1, In step 200, the e-commerce server system may receive a purchase item, a purchase period, and a purchase amount input by the user through the user interface unit; Step 202, the electronic commerce server system calculating an integrated discount rate based on information such as a purchase item, a period, and a quantity input by the user and presenting the discount rate to the user through the user interface unit; Step 203, the electronic commerce server system determining whether product purchase agreement information has been input from the user interface unit; And When the product purchase agreement information is not input in step 203, the process proceeds to step 201, and when the product purchase agreement information is input, the e-commerce server system receives discount collateral information corresponding to the product purchase agreement information. And a step 204 of transmitting to the interface unit to notify the user of the electronic commerce method using the discount collateral. The method of claim 1, In step 300, the e-commerce server system determines whether the payment method of the discount collateral is directly paid to the site by the user; Step 302, when the payment method of the discount collateral is a direct payment method to a site in step 301, the e-commerce server system displays a plurality of financial institutions that can be paid by the user for selection by the user; Step 303, wherein the e-commerce server system receives selection information of a specific financial institution of the user that can be settled among a plurality of financial institutions from the user; Step 304, wherein the e-commerce server system receives personal financial information required for payment from a user; And And the step 305 of the electronic commerce server system receiving the discount collateral from the financial institution through the personal financial information received from the user and completing the settlement of the discount collateral. The method of claim 5, Step 306, when the payment method of the discount collateral is not a direct payment method to the site in step 301, the e-commerce server system recognizes the payment of the discount collateral as a payment method by setting the account collateral; Step 307, wherein the electronic commerce server system receives personal financial information such as an account number of a financial institution that can set account security such that the user cannot withdraw the amount of the discount collateral from the user; And In step 308, the electronic commerce server system performs a request for approval of account collateral setting to the corresponding financial institution by using the personal financial information input from the user, and receives the approval information from the financial institution to complete the settlement of the discount collateral. E-commerce method using a discount mortgage, characterized in that comprises a. The method of claim 1, The step 400 may include: receiving, by the electronic commerce server system, an item and a quantity according to a timely purchase agreement from a user through the user interface unit; Step 402, the e-commerce server system repeatedly notifying the purchase time, the purchased item, and the purchased quantity of the e-commerce server through personal communication means such as an e-mail or a text message of a mobile phone from a few days before the scheduled purchase time; Step 403, the e-commerce server system determines whether a purchase schedule change signal is input from a user; And If the purchase schedule change signal is not input from the user in step 403, the flow proceeds to step 402. When the purchase schedule change signal is input from the user, the e-commerce server system checks the purchase time of the product requested to be changed by the user. Approving a change in quantity and receiving the changed product purchase schedule information step 404 e-commerce method using a discount collateral, characterized in that made. The method of claim 1, If the user at the time of the product purchase request is the customer set the account security in step 500, the e-commerce server system notifies the financial institution each time the purchase of the product purchases, and the financial institution reduces the amount of the security set by the discount amount E-commerce method using a discount collateral, characterized in that. The method of claim 1, Step 600 is a step 601 in which the e-commerce server system receives a switch request signal from the user to the electronic discount coupon before the expiration of the product purchase agreement period; Step 602, the electronic commerce server system determining whether the user who has requested to switch to the electronic discount coupon is the customer who directly pays the discount collateral to the site; And In the case of the customer who pays the discount collateral directly to the site in step 602, the e-commerce server system checks the remaining discount collateral for the corresponding user and converts the discount collateral to the corresponding electronic discount coupon by providing the remaining amount. An electronic commerce method using a discount collateral, comprising the step 603 of exhausting the member. The method of claim 9, In step 602, if the customer does not pay the discount collateral directly to the site, the e-commerce server system recognizes the discount collateral as the customer who made the request for the switch to the electronic discount coupon through the account security setting. Step 604; Step 605, the electronic commerce server system receiving a discount item, a discount amount, etc. from a user by setting a discount item, a discount rate, and an account collateral; A step 606 in which the e-commerce server system receives a purchase request signal for the remaining discount collateral displayed on the bulletin board from a third member; Step 607, wherein the electronic commerce server system receives the amount of money required to purchase the remaining electronic discount coupon from a third member and sends the termination approval request information of the account security setting for the remaining discount collateral to the financial institution; And And the step 608 of the e-commerce server system notifying the member of the corresponding site to approve the termination of the account security setting after receiving the approval information corresponding to the approval request information of the termination of the account security setting from the financial institution. E-commerce method using a discount mortgage characterized in that.