KR100856670B1 - Transactions method and system using mileage check - Google Patents

Abstract

A method and a system for processing transaction with a mileage check are provided to guarantee a sufficiently AD(ADvertisement) effect to advertisers by inserting AD into an AD media mileage check, which activates definition of the check when the AD posted in a webpage is clicked. A concerned party information database(10) stores basic information of concerned parties such as a mileage check advertiser, a mileage check provider, a customer, a member shop, and a research client. A goods information database(20) stores goods information including mileage provided from a prior mileage accumulation system such as a maker producing goods and a post mileage accumulation system such as a member shop selling the goods. A processor control information database(30) includes prior and post mileage accumulation system control modes for managing the mileage included in a mileage check. A provided transaction information database(40) stores transaction information when the mileage check provider provides the mileage check to the customer. A mileage check information database(50) stores the information for issuing, providing, activating, approving, and settling the mileage check.

Description

Transaction method and system using mileage checks {Transactions method and system using Mileage Check}

1 is a flow chart of mileage pre-establishment system

2 is a mileage post-establishment system flowchart

3 is a mileage pre-integrated system system configuration

4 is a mileage post-integration system system configuration

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

       10: Stakeholder Information Database

       20: Product Information Database

       30: process control information database

       40: Provider Transaction Information Database

       50: Mileage check information database

       60: merchant transaction information database

70: Mileage slip information database

80: Advertiser Application Software

90: provider application software

100: Recipient Application Software

110: distribution agreement application software 1

120: Merchant Application Software 2

130: researcher application software

140: member application software 2

        The present invention relates to a transaction method and system using a mileage check, and relates to a transaction method and system using a mileage check that all trading parties can benefit from the Internet online, mobile or offline.

       In the conventional mileage system, in order to pay the accumulated mileage to the buyer (member), mileage reserve holding profits such as interest are huge for each mileage operator such as a product seller, a commerce portal site operator, and a mileage accumulation hub OK cashback. Since each pays mileage reserves in a unique way, the buyer (member) was inconvenient to use the accumulated mileage efficiently. In addition, stagnant mileage points due to the small amount of remaining points and the unsolicited request of the buyer (member) due to failure to reach a predetermined point and not being recognized by the buyer (member) for effective cash value are stagnant. As a result, unnecessary capital stagnation occurs.

        In the case of coupons provided in the form of similar mileage, the concept of bilateral relationship between the issuer (provider) and the user (buyer) is a concept that aims at only a single product or a single store. There is a significant gap between the provider's point of view and the point of purchase (buyer's point of view), making it difficult to obtain opportunities and risking loss.

        As a gift voucher used as a substitute for cash, the concept of bilateral relations between the issuer (the user) and the user (the buyer), that is, aiming at a single product or a single store. The vouchers purchased are stagnated in the wallet, and if lost, only the buyer loses.

An object of the present invention is a mileage that takes the form of a question about a problem (side effects and effectiveness competitiveness) derived from a simple earned mileage, that is, a form that is generally credited to a designated account of a person after a transaction and returned to a designated bank account. Overcoming the problems (side effects and effectiveness competitiveness) derived from point-by-point accumulation and hub accumulation techniques, and not simply "providing and providing" the viewpoint of mileage, mileage earned based on transaction mileage By creating their own thrust, they create and provide second and third additional value in the form of "earn value < cash back value", and the concept of mileage itself is based on the mileage pre-accumulation system and mileage post-arrangement system. It is provided separately.

Specifically, in order to create second and third additional values based on the transaction accumulated mileage, the mileage itself is designated as a "purpose unit" so that a code system of a certain mileage point unit can be given, and it is referred to as a "mileage check". It is to create a second and third additional value by using the "purpose unit" for the purpose of advertising research medium.

It is also an object of the present invention to automatically process the mileage pre-accumulation system and the mileage post-accounting system into one system.

As an example of a transaction method using a mileage check according to the present invention,

The issuer is the one who issues mileage checks on the internet, mobile or offline, and oversees the entire trading system. Earn mileage in advance based on the point of transaction, and give the mileage itself a code system in units of certain mileage points. To set the mileage check provided in the database by providing the mileage provision amount, which is the mileage accumulation amount of the product itself,

The publisher receives an advertisement to be displayed on the mileage check by public bidding,

The issuer issues a mileage check in the form of "mileage provision amount + advertisement price = face value" based on the mileage check advertisement determined by the method of open competitive bidding, etc .;

The provider is a person who transfers a mileage check from the face value of the mileage check to the mileage provision amount, which is the mileage accumulation amount of the sale product itself, and registers the provider membership in the stakeholder information database 10 for the issuer, The amount and the amount of mileage provided "to the product information database 20, and when transferring the mileage check, the transfer of the check is registered in the mileage check information database 50 to manage the transfer path history of the mileage check. To do that,

As a general consumer, a consumer must be a member of the issuer information database (10), and in addition to the mileage offer amount for the seller's product sales, the advertisement fee from the advertisement is received and the face value of the mileage check is received. The provider checks the mileage check unique code in the mileage check information database 50 when providing the mileage check to the consumer, and enters the consumer member code to clarify the ownership relationship of the mileage check,

In order to activate a mileage check, the consumer receives credit for the mileage check by clicking on all advertisements on the mileage check if the mileage check has been received online or on mobile. Using the software 100, by clicking on the advertisement posted on the mileage check registered thereon, the user can activate the mileage check, and register the information in the mileage check information database 50 to give a use activation code. In the case of offline mileage checks, the member code is entered in the margin of the advertisement on the check so that it can be easily recorded in the database.

Distribution agreements recognize the use of mileage checks, such as department stores or large discount stores, which are contracted with the issuer. Distribution agreements recognize mileage checks as a means of payment, such as cash, to allow the mileage of the distribution agreement system for sales. To the consumer again, check the issue code recorded on the mileage check using the mileage check information database 50 and perform the procedure of use approval to prevent re-use of the mileage check in online / offline / mobile. To do that,

Since the issuer approves the use of the mileage check for the distribution agreement, in accordance with the mileage check clearing time set in the mileage check information database 50, the issuer transfers the "face value" of the mileage check to the pre-set clearing payment account. To automatically settle the mileage check, and if the consumer member requires clearing directly without using the check, the issuer can remit the payment to the pre-set clearing payment account.

Consists of,

The issuer receives various research orders from research buyers in the form of respondent compensation, the issuer receives research response rewards to be paid to the research respondents from various research consumers, and a certain mileage point for which the consumer can receive research response rights. Set the mileage credit criteria that can be assigned to the unit code system in advance, and when the mileage credit amount reaches the preset credit criteria, a research response ticket code is assigned, and the consumer who has been granted the research response ticket code receives the research client's research. In response to the survey, when the mileage credit amount including the research response compensation amount reaches the cashback " required limit amount " entered into the stakeholder information database 10, the payment is made to the consumer.

As an example of a trading system using a mileage check according to the present invention,

A stakeholder information database (10) in which basic information of the stakeholders, such as check advertisers, check providers, consumers (members), distribution agreements, and research orderers, is stored;

The mileage provision amount of the mileage pre-establishment system per product is set and displayed, and the information on the provider product of the mileage pre-establishment system including the guidance for selling the product, and the mileage accumulation amount of the mileage post-establishment system per product are set and displayed. Product information database 20, including the merchant information of the mileage post-earning system including

The type of mileage provided in the mileage check, which aims to accumulate the mileage of the mileage pre-establishment system in advance and assigns a code system of a certain mileage point unit, the advertiser management that can be published to create additional value, and the issuer After approving the use of the mileage check at the distribution agreement, the mileage pre-establishment system control mode for the liquidation point management, etc., for the automatic clearing of the check, the mileage settlement point of the mileage post-establishment system, mileage accumulation point, and mileage A processor control information database 30 including a mileage credit system control mode for management of mileage credit payment points, including mileage accrual criteria for document issuance, and research response rewards;

A provider transaction information database 40 which stores all transaction information generated when a mileage check provider provides a mileage check to a consumer (member);

In the second additional value-creating aspect, all the information concerning the open competitive bidding of advertisements displayed on the mileage checks, and the issuance of mileage checks issued in the form of "mileage provision + advertising fee + advertising fee + ... = face value". Information, information on the transfer of mileage checks transferred to the provider with a mileage credit equivalent, information on the provision of mileage checks provided to the consumer (member) by the provider, and the check after the consumer (member) receives the mileage check. Information on the activation of a mileage check that activates the check definition by clicking on the ad placed on the check to enable the use of the check, and the use of the check to prevent re-use of online / offline / mobile when a consumer checks in a distribution agreement. Information on the approval of the use of mileage checks approved and the distribution agreement's mileage check A mileage check information database 50 including general information on liquidation;

When a transaction is formed between a member (consumer) and a merchant, a transaction order generated according to a preset menu, a transaction payment statement generated when a transaction is paid, including the use of mileage checks, and a transaction settlement amount for each individual trading unit are provided to each stakeholder. Distribution agreement transaction information database (60) containing a payment slip, which is designed to be automatically journaled;

All the information on the deposit of mileage settlement in the mileage accumulation system formed by the transaction between the merchant and the member (consumer), the mileage accumulation status generated by the member and the mileage accumulation amount generated according to the member are automatically generated according to the mileage slip generated accordingly. Information on the researcher's compensation, research information, information on depositing research response rewards by the research client, information on acquiring the research rights to be issued in accordance with the member's mileage slip, and research responses It consists of a mileage slip information database 70 consisting of all the information on the cashback of the mileage credit amount, including the compensation amount,

Application software that is connected to the above databases in real time online

The mileage check information database 50 of the mileage pre-arrangement system is connected in real time online, and advertiser application software 80 in the form of an issuer homepage for advertisers to participate in public bidding of advertisements to be placed on mileage checks;

A check (issue code) specific to the time point at which the provider provides the mileage check to the consumer by being connected in real time online with the provider transaction information database 40 of the mileage advance accumulation system and the mileage check information database 50 of the mileage advance accumulation system. A provider application software (90) in the form of a module for a client (user) that registers the recipients and inputs the transaction information;

It is connected to the mileage check information database 50 of the mileage pre-arrangement system in real time online, so that the recipient clicks on the advertisement displayed on the mileage check to activate the check, that is, the definition of the check, and receive the customer's check. And consumer (member) application software 1 (100) in the form of an issuer homepage where usage information can be checked;

It is connected to the mileage check information database 50 of the mileage pre-earning system in real time online, so that the check of the check is prevented in order to prevent re-use of online / offline / mobile at the point of time when the consumer (member) uses the mileage check at the distribution agreement. Distribution agreement application software 1 (110) in the form of a module for clients (users) authorized to use the issue code;

Distribution agreement in the form of a module for clients (users), which is connected in real time online with the distribution agreement transaction information database 60 of the mileage post-establishment system, in which a member registers the transaction information including the use of mileage checks at the distribution agreement. Point application software 2 (120),

Connected with the mileage slip information database 70 of the mileage post-establishment system in real time online, the researcher application software 130 of the issuer home form for the respondents 'compensation researcher orders the respondents' compensation research;

It is connected to the mileage slip information database 70 in real time online, the member inquires the mileage post-accumulation information accumulated by the transaction, the number of mileage slip occurrences linked to the mileage post-earning amount, linked to the mileage slip occurrences The application software 2 (140) in the form of an issuer homepage that responds to various research investigations and the like according to the "response response rights".

Hereinafter, an embodiment according to the present invention will be described in detail with reference to the drawings.

As shown in the accompanying drawings, the issuer is a person who issues mileage checks on the Internet online, mobile or offline and oversees the entire trading system, and earns mileage in advance based on the transaction point. In order to create an environment for creating additional value of 3, the original value of the mileage provision amount, which is the mileage accumulation amount of the sale product itself, has been set, which is the concept of converting the mileage itself into a mileage point code system. Different types of mileage checks are defined and code systems are assigned to set them in the database.

If the issuer explains the details of the advertisement to be displayed on the mileage check, in order to receive the advertisement to be displayed on the mileage check by means of open bidding, which is a specific method of creating a second additional value by purpose unit, Prospective advertisers, such as individuals or companies, apply for bidding using the advertiser application software 80, and the publisher determines the advertisement to be displayed on the mileage check for the bidding advertiser. Mileage checks are effective for advertising because they are distributed to consumers. In addition, the bidding method can be selected from a variety of methods, such as receiving an advertising fee for each mileage check. Mileage checks may be used by research companies, in which case research orders may be placed on mileage checks based on the above advertisements.

The issuer issues a certain amount of mileage checks based on mileage check advertisements determined by means of open competitive bidding. Here, the fixed amount means the amount of 100 won, 500 won, 1,000 won, etc., and means an amount equivalent to money. For example, if your five-mile mileage check contains five ads and you set an advertising fee of $ 200 per mileage check, your total advertising revenue for each mileage check would be $ 1.00, where the publisher earns 50% of the earnings. If determined in advance, an advertising fee of 500 won is added for each mileage check. Then, 500 won is included in the 1,000 won mileage check, and the remaining 500 won is the amount based on the mileage used in the actual transaction described later. Therefore, the mileage check is displayed as "mileage offer + advertising fee = face value".

A provider is a person who receives a mileage check from the issuer and performs commerce. For example, all merchants such as restaurants, clothing stores, pharmacies, and the like may also belong to groups such as department stores. The provider registers the provider in the stakeholder database 10 with respect to the issuer, sets the amount and the mileage providing amount for the products sold, and registers the product in the product information database 20. Then, the provider receives the mileage check from the issuer by cash or other means equivalent to the mileage provision amount, and the transfer process is completed by registering the provider of the check in the mileage check information database 50. At this time, in the above example, the 1,000 won mileage check is purchased from the issuer for 500 won except 500 won due to the advertising fee income. At the time of purchase, the provider of the check is registered in the mileage check information database 50 to manage the transfer path history of the mileage check.

The consumer is a general consumer, who must have a subscription to the stakeholder information database 10 for the publisher, for example, to buy audio for a provider who sells the audio for 100,000 won, and the publisher initially pays for this audio sale. Although it is said that the mileage of 500 won a year, when the mileage according to the present invention is selected, the mileage of 1,000 won is doubled. When you receive 1,000 won of mileage, you will receive one mileage check from your provider, which you can receive online or offline. This check can be used from any perspective, online, offline or mobile. This 1,000 won mileage check is assigned a unique code when issued by the issuer. Then, the provider transfers the mileage check from the issuer for 500 won and gives the customer a mileage check of 1,000 won. When the provider provides the mileage check to the consumer, the unique code of the mileage check is confirmed in the mileage check information database 40 and the consumer membership code is entered to clarify the ownership relationship of the mileage check.

Consumers need to activate this 1,000 won mileage check to satisfy advertisers. Mileage checks can be used from all perspectives, including online, offline, and mobile, so you can use the ad on your mileage check account in your mileage check account. Mileage checks will only be recognized when all are clicked. If you do not click on all of the advertisements, you will not be able to use the mileage check. If you receive a mileage check offline, you have received a check of the type and do not have to click and access the Internet.

That is, the consumer uses the recipient application spotware 100 to activate the mileage check by clicking on the advertisement posted on the mileage check, and store the record in the mileage check information database 50. In the case of an offline mileage check, the member code is entered in the margin of the advertisement surface on the check so that it can be easily recorded in the database. We call this mileage pre-accumulation.

Distribution agreements, such as department stores or large discount stores contracted with issuers, allow the use of mileage checks. Distribution agreements have the effect of attracting customers by recognizing the use of mileage checks as a means of payment such as cash. On the other hand, the distribution agreement recognizes the use of mileage checks and at the same time re-admits the mileage of the distribution agreement system to its customers for its own sales. Consumers will receive double benefits. The inventor calls this mileage post-accumulation.

That is, the distribution agreement checks the unique code recorded in the mileage check using the mileage check information database 50 and performs the procedure of use approval, thereby preventing the double / online use of the mileage check. .

Since the issuer has approved the use of a mileage check for a distribution agreement, in line with the mileage check clearing set in the mileage check information database 50, the issuer is entitled to the "face value" settlement of the mileage check (in this example, 1,000 won per mileage check). ) Is remitted to the clearing payment payment account set in the distribution agreement information database table of the stakeholder information database 10 so that the mileage check can be automatically cleared. The liquidation amount between the issuer and the distribution agreement shall be paid in full as the amount of the mileage check of 1,000 won in the above example. Therefore, even if the distribution agreement receives a mileage check, it will pay off all of the money, so there is no loss or money investment. In the above example, the issuer received 500 won from the provider for the 1,000 won mileage check from the provider, and 500 won from the advertiser.

If the consumer member also requests the liquidation without using a check, the issuer can directly settle the remittance to the liquidation payment account set in the member information database table of the stakeholder information database 10. In the above example, the liquidation amount between the issuer and the consumer should be paid in full as the mileage check value of 1,000 won in the above example. Therefore, a consumer can pay off all of that amount by simply clicking on the advertisement after receiving the mileage check (if he receives the mileage check online).

On the other hand, for the point of transaction basis post-earning system mileage for the portion of the distribution agreement sales provided by the issuer and the distribution agreement in solidarity, in order to create the second and third additional value based on the transaction mileage, Receive various research orders from various research consumers in the form of respondent compensation. In this part, in order to facilitate incentives for research orders, the researcher can present a penalty based on the respondent's "responsiveness".

The issuer receives research response rewards from research buyers to pay to the research respondents. After setting a certain mileage point unit earning criteria that a consumer can receive research response rights in advance, and when the mileage accrual amount for each member reaches a preset earning threshold, a research grant ticket is assigned to grant a research response code. Granted consumers can respond to various research surveys. If you do not respond to or respond unfaithfully to a variety of research investigations that correspond to the Research Response Code, you will not receive a Research Response. When the mileage credit for the post-employment system's own sales portion provided in solidarity with the issuer, including research response rewards, reaches the cashback "required amount" entered in the member information database table of the stakeholder information database 10, Pay to the consumer.

We will reorganize and explain the system for programming the above-mentioned commerce flow.

The stakeholder information database 10 stores basic information of stakeholders, such as check advertisers, check providers, consumers (members), distribution agreements, and research owners.

Product information database 20 is set and displayed the mileage provision amount of the mileage pre-establishment system per product is set and the provider product information of the mileage pre-establishment system including the guidance for selling the product, and the mileage accumulation amount of the mileage post-earning system per product Merchant product information in the mileage credit system is displayed and includes a guide for selling the product.

The processor control information database 30 includes the type of "mileage provision" of the mileage check, which is a concept of mileage pre-establishment of the mileage pre-establishment system and a concept of "purpose unit" to which a certain mileage point code system can be assigned. Advance mileage control mode and mileage in mileage post-employment system to manage advertisers that can be displayed for value creation, and to manage clearing timing for issuer's automatic clearing of checks after the issuer approves the use of mileage checks in distribution agreements. Includes a mileage credit system control mode for managing payment points, mileage accrual points, mileage accrual criteria for issuing mileage vouchers, and mileage accrual points including research response compensation.

The provider transaction information database 40 stores all transaction information generated when a mileage check provider provides a mileage check to a consumer (member).

The mileage check information database 50 is issued in the form of "mileage provision amount + advertisement fee + advertisement fee + ... = face value", in the form of "mileage provision amount + advertisement fee + advertising fee + ... Information on the issuance of a completed mileage check, information on transfer of a mileage check transferred to a provider with a mileage credit amount, information on the provision of a mileage check provided to a consumer (member) by the provider, and a consumer (member) Receives the mileage check and clicks on the ad placed on the check to activate the check.Information on activation of the mileage check, online / offline / mobile when a consumer checks in a distribution agreement All information on the approval of the use of mileage checks approved for the use of checks to prevent re-use and distribution agreements. It consists of all kinds of information on the liquidation of the mileage check after the face value of the check has been cleared.

The distribution agreement transaction information database 60 is a transaction order document generated according to a preset menu when a transaction is formed between a member (consumer) and an affiliated store, a transaction payment statement generated when a transaction payment is generated, including the use of a mileage check, and an individual transaction. A payment slip is included that is designed so that the unit transaction settlement is automatically journaled to each stakeholder.

The mileage slip information database 70 provides information on the mileage settlement of the mileage settlement system formed by the transaction between the merchant and the member (consumer), the mileage accumulation status for each member, and the mileage accumulation amount for each member, when the predetermined amount is reached. Relevant information on the occurrence of corresponding mileage slips automatically generated, information on respondents' reward-type research orders, information on depositing research response rewards by research clients, and acquisition of research response rights given in accordance with the occurrence of mileage documents It consists of all kinds of information on research responses, all kinds of information on cashback of mileage credits, including research response compensation.

Application software connected to the above databases in real time online is as follows.

The mileage check information database 50 of the mileage pre-accumulation system is connected in real time online, and the advertiser application software 80 in the form of an issuer homepage for advertisers to participate in the public bidding of advertisements to be displayed on the mileage check,

A check (issue code) specific to the time point at which the provider provides the mileage check to the consumer by being connected online with the provider transaction information database 40 of the mileage pre-accumulation system and the mileage check information database 50 of the mileage pre-arrangement system A provider application software (90) in the form of a module for a client (user) that registers the recipients and inputs the transaction information;

It is connected to the mileage check information database 50 of the mileage pre-accumulation system in real time online, so that the recipient clicks on the advertisement displayed on the mileage check to activate the check, that is, define the check, and receive the customer's check. And consumer (member) application software 1 (100) in the form of an issuer homepage where usage information can be checked;

It is connected to the mileage check information database 50 of the mileage pre-accumulation system in real time online, so that the check of the check can be prevented in order to prevent re-use of online / offline / mobile at the time when the consumer (member) uses the mileage check at the distribution agreement. Distribution agreement application software 1 (110) in the form of a module for clients (users) authorized to use the issue code;

Distribution agreement in the form of a module for a client (user) connected to the distribution agreement transaction information database 60 of the mileage post-accumulation system in real time online, where the member registers the transaction information including the use of mileage checks at the distribution agreement. Point application software 2 (120),

It is connected to the mileage slip information database 70 of the mileage post-earning system in real time online, the researcher application software 130 for the issuer homepage for the respondents 'reward researcher orders the respondents' compensation research;

It is connected to the mileage slip information database 70 in real time online, the member inquires the mileage post-accumulation information accumulated by the transaction, the number of mileage slip occurrences linked to the mileage post-earning amount, and linked to the mileage slip occurrences The application software 2 (140) in the form of an issuer homepage that responds to various research investigations and the like according to the "response response rights".

According to the present invention, the consumer can be provided with each mileage in a virtuous cycle compatible structure of the pre-trade / post-trade mileage accumulation system, and the second and third additional values by the target unit based on the transaction accumulated mileage By being created, it is possible to obtain the maximum economic benefit of the transaction.

The issuer can attract the voluntary loyalty of my stakeholders because it can be useful to my stakeholders by creating additional value such as advertising or research, rather than just earning mileage points.

Advertisers can ensure sufficient advertising effectiveness by placing ads on "new concept ad media mileage checks where the definition of the check is activated when the check can be used only when the check is clicked."

The provider can transfer the "mileage provision amount + advertisement fee = face value" to the mileage provision amount and provide it to their customers to secure superior customer incentive effect compared to the competitors.

Distribution agreements specified on one side of the mileage check can attract attractive consumer members without paying advertisements, which can result in excellent store promotions and increased sales.

Research clients can receive research responses from a variety of selected members based on customer relationship management information integrated in the mileage slip code, allowing them to take research research information more quickly and efficiently.

Claims (4)

Processor control by accumulating mileage in advance based on the point of transaction, uniting the mileage itself in order to give a mileage point code system, and defining a mileage check provided with the mileage accumulation amount of the product itself. Setting on the information database 30, In the mileage check information database 50, an advertisement to be displayed on the mileage check is applied by a public bidding method, and the mileage check is based on the mileage check advertisement determined by the public bidding method. Publishing in the form of, The amount of mileage and the amount of mileage provided for the merchandise are determined and registered in the product information database 20.When the mileage check is transferred, the transfer of the check is registered in the mileage check information database 50 so that the history of the mileage check is transferred. Managing the; In addition to the mileage provision for the product sales portion, the advertising charges of the advertisement are combined and distributed as the face value of the mileage check, the unique code of the mileage check is recorded in the mileage check information database 50, and the mileage check by the consumer member code. Clarifying the ownership relationship in the mileage check information database (50), Click the advertisement posted on the mileage check registered in the recipient application software 100 to activate the use of the mileage check, and register the information in the mileage check information database 50 to give a use activation code. For offline mileage checks, enter the member code in the margin of the ad on the check and make it easier to record in the future database. The mileage check is recognized as a payment method such as cash, the mileage of the distribution agreement system for the sales amount is recognized again to the consumer, and the issue code recorded on the mileage check and the like in the mileage check information database 50 are approved and used. Steps, In accordance with the mileage check liquidation time set in the mileage check information database 50, remittance of the "face value" of the mileage check to the predetermined settlement payment account, the automatic settlement of the mileage check Transaction method using a mileage check, characterized in that consisting of. delete A stakeholder information database (10) in which basic information of the stakeholders, such as check advertisers, check providers, consumers (members), distribution agreements, and research orderers, is stored; The mileage provision amount of the mileage pre-establishment system per product is set and displayed, and the information on the provider product of the mileage pre-establishment system including guidance for product sales, and the mileage accumulation amount of the mileage post-accumulation system per product are set and displayed. Product information database (20) containing the merchant product information of the mileage post-accumulation system including; The type of mileage provided in the mileage check for the purpose of accumulating the mileage of the mileage pre-accumulation system in advance and assigning a code system of a certain mileage point unit, the management of advertisers that can be published to create additional value, and the issuer After approving the use of the mileage check at the distribution agreement, the mileage pre-arrangement system control mode for the liquidation point management, etc., for the automatic clearing of the check, the mileage settlement point of the mileage post-arrangement system, mileage accumulation point, and mileage A processor control information database 30 including a mileage credit system control mode for management of mileage credit payment points, including mileage accrual criteria for document issuance, and research response rewards; A provider transaction information database 40 which stores all transaction information generated when a mileage check provider provides a mileage check to a consumer (member); In the second additional value-creating aspect, all the information concerning the open competitive bidding of advertisements displayed on the mileage checks, and the issuance of mileage checks issued in the form of "mileage provision + advertising fee + advertising fee + ... = face value". Information, information on the transfer of mileage checks transferred to the provider with a mileage credit equivalent, information on the provision of mileage checks provided to the consumer (member) by the provider, and the check after the consumer (member) receives the mileage check. Information on the activation of a mileage check that activates the check definition by clicking on the ad placed on the check to enable the use of the check, and the use of the check to prevent re-use of online / offline / mobile when a consumer checks in a distribution agreement. Information on the approval of the use of mileage checks approved by the company, and mileage checks for liquidating the check's face at distribution agreements And various information such as the liquidation mileage check information database (50) is configured, When a transaction is formed between a member (consumer) and a merchant, a transaction order generated according to a preset menu, a transaction payment statement generated when a transaction is paid, including the use of mileage checks, and a transaction settlement amount for each individual trading unit are provided to each stakeholder. Distribution agreement transaction information database (60) containing a payment slip, which is designed to be automatically journaled; All the information on the deposit of mileage settlement in the mileage accumulation system formed by the transaction between the merchant and the member (consumer), the mileage accumulation status generated by the member and the mileage accumulation amount generated according to the member are automatically generated according to the mileage slip generated accordingly. Information on the researcher's compensation, research information, information on depositing research response rewards by the research client, information on acquiring the research rights to be obtained in accordance with the occurrence of mileage slips, and research responses Mileage slip information database 70 consisting of general information on the cashback of the mileage credit amount, including compensation, Transaction system using a mileage check, characterized in that consisting of. delete

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