KR20010016000A - System for product selling and finance service using a minus mileage - Google Patents

Abstract

PURPOSE: A system of product sales and financial service is provided to reduce burden of a customer by giving a minus mileage to the customer when purchasing the product and offsetting the minus mileage by margin generated from commercial transactions. CONSTITUTION: A telecommunication network(10) connects many telecommunication circuits each other to enable data communication. A user's computer terminal(20) is for input of user's personal and financial information and output of the information via the network(10). A telecommunication equipment distributor's computer(30) receives the information of the user who want to purchase a product using minus mileage and provides the product to the user, the information to a banking agency and a mail-order firm and a portion of margin to the banking agency. A mail-order firm's server(40) charges the user for use of the product and provides a portion of margin to the banking agency. A banking agency's server(50) pays cost of the product to the telecommunication equipment distributor, imposes a minus mileage on the user, offsets the minus mileage by margin received from the distributor and mail-order firm.

Description

System for product selling and finance service using a minus mileage}

The present invention relates to a product sales and financial services system.

More specifically, the user converts the purchase price of a specific product provided by the sales / manufacturer from the financial institution to negative mileage, and then provides the cost to the sales / manufacturer, and a portion of the royalties incurred in using the product. The present invention relates to a product sales and financial service system using negative mileage to offset negative mileage with margin or distribution margin or to offset negative mileage with distribution margin or points earned when purchasing other products.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, the importance of the Internet is rapidly increasing as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

That is, in recent years, as part of the business through the Internet, various contents such as internet advertising, internet broadcasting, online games, internet newspapers / magazines, search services, portal services, electronic commerce, etc. are provided. Sites are growing rapidly.

In most e-commerce sites that sell certain products or contents among the above-mentioned sites, when a user purchases a specific product, a portion of the margin is converted into points or earned in the form of mileage, so that a certain point or mileage becomes It offers services that can be used to purchase other products or to be returned in cash.

However, the point or mileage system described above is a situation in which users do not feel a great benefit for earning because points or mileage accumulated in exchange for a product purchase are not high.

In addition, in addition to the point or mileage system described above, the general installment purchase system using an installment financing company is a short-term financial service in which fixed installment months are fixed because there is no mileage accumulation point and a proper line for the use of a small installment desired by the customer is forced by the financial company. For example, if a personal credit limit is exceeded, a guarantor is required and the product or location is limited, making it difficult to use by an unspecified number of users.

In addition, even in the installment purchase system using a credit card, it is difficult to immediately use the mileage because the mileage must be accumulated for a long time until the mileage is used. As the available period is fixed, only short-term financial services had problems.

In order to solve the above-mentioned problems, an object of the present invention is to convert a purchase price of a specific product provided from a sales / manufacturer to a negative mileage at a financial institution, and then provide the corresponding cost to the sales / manufacturer, and sell the corresponding product. To provide a product sales and financial services system that uses negative mileage to help offset negative mileage through margins returned to users during the distribution or partial margin of royalties arising from the use of products provided by the manufacturer .

Another object of the present invention is to convert a purchase price of a specific product provided from a sales / manufacturer to a negative mileage at a financial institution, and then provide the cost to the sales / manufacturer, and the user is affiliated with a financial institution. The present invention provides a product sales and financial service system using negative mileage to offset negative mileage with distribution and sales margins generated when purchasing other products from an e-commerce site or a company.

1 is a block diagram schematically showing the configuration of an embodiment of a product sales and financial services system using negative mileage according to the present invention;

2 is a block diagram schematically showing the configuration of another embodiment of a product sales and financial service system using negative mileage according to the present invention;

3 is a flow chart showing the operation of the product sales and financial services method using the negative mileage in accordance with the present invention of FIG.

FIG. 4 is a flowchart illustrating an operation process of a product selling and financial service method using negative mileage according to the present invention of FIG. 2.

Explanation of symbols on the main parts of the drawings

10, 100: network communication network 20, 200: user terminal

30: communication device seller server 40: communication service provider server

50, 500: financial institution server 300: e-commerce server

400: affiliate server

A product sales and financial service system using negative mileage according to the present invention for achieving the above object comprises: a network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; A plurality of user terminals configured to output financial information and personal information input by a user who wants to receive a communication device for free through a negative mileage service provided by a specific financial company through a network communication network; Receive and store financial and personal information of a specific user who wants to purchase a communication device through a negative mileage service from a plurality of user terminals, and provide financial and personal information according to the purchase of the communication device of the user externally, A communication device seller server that provides the communication device to a user when payment of the communication device is made and provides some margin of the sale and distribution cost of the communication device provided to the user to the outside; Receives and stores financial and personal information of a specific user's purchase of a communication device through a negative mileage service from a communication device seller server, charges the user for the cost of using the user's communication device, A service provider server that provides some margin of cost to the outside; Receives and stores financial and personal information related to the purchase of a communication device through the negative mileage service of a specific user from the communication device seller server, and provides the purchase cost of the communication device to the corresponding communication device seller server and at the same time corresponds to the purchase cost. To charge the user with negative mileage, receive some margin of sales and distribution costs of the communication device from the communication device seller server, and offset the negative mileage charged to the user, and use the user's communication device from the service provider server. It is characterized in that it comprises a financial institution server that receives some margin of the cost to offset the negative mileage charged to the user.

In addition, the product sales and financial services system using the negative mileage according to the present invention, the network communication network to connect the unspecified multiple communication lines to perform data communication with each other; Financial information and personal information input by users who want to receive the product free of charge through a negative mileage service provided by a specific financial company is output to the outside through the network communication network, and the product received free through the negative mileage service of a specific financial company A plurality of user terminals for outputting a purchase request signal for purchasing another product to offset the purchase cost of the external device; Receive and store financial information and personal information of a specific user who wants to purchase a product through a negative mileage service from a plurality of user terminals, and provide financial and personal information according to the user's product purchase to the outside, An electronic commerce server that provides a corresponding product to a user when a cost is paid, and externally provides a part of margin of a product selling and distribution cost provided to the user; Establishes a partnership with a specific financial company related to the negative mileage service, and when a purchase request signal for a specific product is input from a plurality of user terminals connected through a network communication network, the product is paid for the product and then the product is sent to the user. A plurality of affiliate servers providing some margins of sales and distribution costs according to a user's purchase of a product; Receive and store financial and personal information related to the purchase of goods through the minus mileage service of a specific user from the e-commerce server, provide the purchase cost of the product to the e-commerce server, and at the same time, apply the negative mileage corresponding to the purchase cost Partial margin on sales and distribution costs due to the user's purchase, the user's partial margin of product sales and distribution costs from the e-commerce server, and offset the negative mileage charged to the user. Another feature is that it is configured to include a financial institution server that is provided to receive the negative mileage charged to the user.

In addition, the product sales and financial services method using the negative mileage according to the present invention, (1) the process of the user requesting the purchase of the communication device using the negative mileage service to a specific communication device seller server through a network communication network; (2) outputting financial information and identity information input by a user who requests a purchase of a communication device using a negative mileage service from a communication device seller server to a communication service provider server and a financial institution server; (3) providing, by the financial institution server, the communication device purchase cost of the user to the communication device seller server, and imposing a negative mileage corresponding to the communication device purchase cost to the user; (4) providing a communication device to a corresponding user in a communication device seller server provided with a communication device purchase cost, and providing some margin of sales and distribution costs to the financial institution server; (5) offsetting the negative mileage of the user from the financial institution server through a part of the sales and distribution costs provided by the communication device seller server; (6) providing, by the telecommunications provider server, a part of the fee for using the telecommunication device of the user to the financial institution server; (7) a portion of the fee for using the telecommunication equipment provided by the telecommunication service provider server is included in the process of offsetting the negative mileage of the user from the financial institution server.

In addition, the product sales and financial service method using the negative mileage according to the present invention, (A) a process for the user to request the purchase of goods using the negative mileage service to a specific e-commerce server through a network communication network; (B) outputting the financial information and the identity information input by the user who requested the purchase of goods using the negative mileage service from the electronic commerce server to the financial institution server; (C) providing, by the financial institution server, the user's product purchase cost to the electronic commerce server and imposing a negative mileage corresponding to the product purchase cost to the user; (D) providing the product to the user in the electronic commerce server provided with the product purchase cost, and providing some margins of the sales and distribution costs to the financial institution server; (E) offsetting the negative mileage of the user from the financial institution server through some of the sales and distribution costs provided by the e-commerce server; (F) providing to the financial institution server some margins of sales and distribution costs incurred in accordance with the purchase of the product by the plurality of affiliate servers which have established an alliance with the financial institution server; (G) It is another feature that includes a process of offsetting the negative mileage of the user in the financial institution server through some margins of the sales and distribution costs provided by the plurality of affiliate servers.

Hereinafter, with reference to the accompanying drawings will be described in detail the product sales and financial services system using the negative mileage of the present invention.

1 is a block diagram schematically showing the configuration of an embodiment of a product sales and financial services system using negative mileage according to the present invention.

As shown, the network communication network 10 is a communication network such as a wired / wireless internet, and includes a plurality of user terminals 20, communication device seller servers 30, service provider servers 40, and financial institution servers (described later). 50) Connect a number of unspecified communication lines so that data communication related to sales of communication devices and negative mileage services can be performed.

The plurality of user terminals 20 have a communication environment established to be connected to the communication device seller server 30 to be described later through the network communication network 10, and are provided by a specific financial company after accessing the communication device seller server 30. Through the negative mileage service to output the financial information and personal information input by the user who wants to receive a communication device such as a mobile phone for free to the communication device seller server (30).

When the communication device seller server 30 receives a communication device purchase request signal through a negative mileage service from a plurality of user terminals 20 that perform a communication connection through the network communication network 10, a predetermined form required to use the corresponding service. Outputs data to the user terminal 20, and receives and stores financial information and personal information input by the user.

In addition, the communication device seller server 30 provides the financial information and the personal information according to the user's purchase of the communication device to the telecommunication service provider server 40 and the financial institution server 50, which will be described later, from the financial institution server 50. When the payment of the communication device is made, the communication device is provided to the user, and some margin of the sales and distribution cost of the communication device provided to the user is provided to the financial institution server 50.

The communication service provider server 40 receives and stores financial information and personal information according to the purchase of a communication device of a specific user through the negative mileage service from the communication device seller server 30, and stores for a predetermined period of time (for example, one month unit). ) The user is charged for the cost of using the communication device, and provides the financial institution server 50 with some margin of the cost of using the communication device paid by the user.

The financial institution server 50 establishes a partnership relationship with a communication device seller and a service provider with a negative mileage service, and obtains financial information and personal information according to a purchase of a communication device through the negative mileage service of a specific user from the communication device seller server 30. The information is received and stored, and the purchase cost of the corresponding communication device is provided to the communication device seller server 30 and the negative mileage corresponding to the purchase cost of the communication device is charged to the user.

In addition, the financial institution server 50 is provided with a margin of sales and distribution costs of the communication device from the communication device seller server 30 to offset the negative mileage imposed on the user, the user from the service provider server 40 Partial margin of the costs of using telecommunications equipment is offset by the negative mileage charged to the user.

At this time, the above-mentioned financial institution server 50, if the user who received a particular communication device free of charge through the negative mileage cancels all the negative mileage charged in accordance with the purchase of the communication device, and converts to a plus mileage, the service provider server ( The contract with 40) provides the service so that the user can use the mileage converted to plus to receive the discount of the communication device fee.

2 is a block diagram schematically showing the configuration of another embodiment of a product sales and financial services system using negative mileage according to the present invention.

As shown, the network communication network 100 is a communication network such as a wired / wireless internet, and includes a plurality of user terminals 200, an e-commerce server 300, a plurality of affiliate servers 400, and a financial institution server (described later). 500) connects a number of unspecified communication lines so that data communication related to merchandise sales and negative mileage services can be achieved.

A plurality of user terminals 200 has a communication environment established to access the e-commerce server 300 to be described later through the network communication network 100, minus provided by a specific financial company after accessing the e-commerce server 300 The financial information and the personal information input by the user who wants to receive the product free of charge through the mileage service are output to the electronic commerce server 300 through the network communication network 100.

In addition, the plurality of user terminals 200 perform a communication connection with a plurality of affiliate server 400 according to a user's operation, and then offset the purchase cost of a product provided by the user for free through a negative mileage service of a specific financial company. In order to output another, a purchase request signal for purchasing another product is output to a plurality of affiliate server 400 described later.

When the e-commerce server 300 receives a product purchase request signal through a negative mileage service from a plurality of user terminals 200 that perform a communication connection through the network communication network 100, the e-commerce server 300 receives predetermined form data necessary for using the corresponding service. Output to the user terminal 200, and receives and stores financial information and personal information input by the user.

Then, the e-commerce server 300 provides the financial information and personal information according to the user's purchase of the product to the financial institution server 500 to be described later, when the cost of the product is made from the financial institution server 500, the corresponding product To the user, and provides some margin of the merchandise sales and distribution costs provided to the user to the financial institution server (500).

The plurality of affiliate servers 400 establishes a partnership relationship with a specific financial company and a negative mileage service, and when a purchase request signal of a specific product is input from a plurality of user terminals 200 connected through the network communication network 100, the corresponding product After performing the cost payment of the product is sent to the user, and provides some margin of the sales and distribution costs according to the user's purchase of the product to the financial institution server (500).

The financial institution server 500 sets up an affiliate relationship with the e-commerce site and affiliates and the negative mileage service, and inputs financial information and personal information according to the purchase of goods through the negative mileage service of a specific user from the e-commerce server 300. It receives and stores, and provides the purchase cost of the product to the e-commerce server 300 and at the same time imposes a negative mileage corresponding to the purchase cost to the user.

In addition, the financial institution server 500 receives a portion of the merchandise sales and distribution costs from the e-commerce server 300 to offset the negative mileage imposed on the user, and the product of the user from the plurality of affiliate servers 400 Partial margin of revenue generated from the sale and distribution of purchases is provided to offset the negative mileage charged to the user.

At this time, the above-mentioned financial institution server 500, if the user provided with a particular product through the negative mileage offsets all the negative mileage charged in accordance with the purchase of the product to convert to a plus mileage, and the plurality of affiliated server 400 When a user purchases a product through a contract, a mileage converted to a plus is used to provide a service with a predetermined discount.

Next, a product sales and financial service method using negative mileage according to the present invention configured as described above will be described in detail with reference to FIGS. 3 and 4.

First, an embodiment of a product selling and financial service method using negative mileage according to the present invention will be described with reference to FIG. 3.

In order to provide a negative mileage service according to the present invention, the financial institution server 50 must establish a partnership relationship with a communication device seller and a telecommunication service provider with a negative mileage service.

As such, after establishing a partnership relationship between a communication device seller and a communication service provider and a negative mileage service in the specific financial institution server 50, the user makes a communication connection to the specific communication device seller server 30 through the network communication network 10. In operation S10, a request for a communication device purchase using a negative mileage service is performed.

When the purchase of the communication device is requested by the user, the communication device seller server 30 provides the predetermined form data for the negative mileage service to the corresponding user terminal 20 requesting the purchase of the communication device, and the user according to the predetermined form data. After storing the financial information and the identification information that is input, and outputs to the service provider server 40 and the financial institution server 50, respectively (S20).

Accordingly, the financial institution server 50 that provides the negative mileage service checks the financial information and the identity information input by the user, and then pays the purchase cost of the communication device requested by the user to the communication device seller server 30, and then communicates. A negative mileage corresponding to the device purchase cost is charged to the user (S30).

The communication device seller server 30 provided with the communication device purchase cost from the financial institution server 50 provides the communication device to the corresponding user, and provides some margin of the sales and distribution costs of the communication device to the financial institution server 50. (S40).

Then, the financial institution server 50 offsets the negative mileage charged to the user through some margins of the sales and distribution costs provided from the communication device seller server 30 (S50).

In addition, the telecommunication service provider server 40 receives the communication device royalty fee generated by the users who received the communication device from the communication device seller server 30 through the payment of the cost of the financial institution server 50 to the corresponding user. After collection, some margins of the fee for using the user's communication device are provided to the financial institution server 50 (S60).

Then, the financial institution server 50 offsets the negative mileage of the corresponding user through a part of the communication device usage fee provided by the telecommunication service provider server 40 (S70).

At this time, the above-described process (S70) is performed continuously until the negative mileage imposed on the specific user in the financial institution server 50 is converted to the positive mileage, the carrier carrier ( 40), the user can use the mileage converted to a plus to receive a discount service fee of the communication device fee.

Next, another embodiment of a product sales and financial service method using negative mileage according to the present invention will be described with reference to FIG. 4 in addition to the above-described embodiment.

First, in the financial institution server 500 that provides a negative mileage service, as shown in FIG. 3, an e-commerce site and a plurality of affiliates and an affiliate relationship related to the negative mileage service should be set.

In this way, after the specific financial institution server 500 establishes an alliance with the e-commerce server 300 and the plurality of affiliate servers 400 and the negative mileage service, the user may access the specific e-commerce server through the network communication network 100. Perform a communication connection to the 300 and requests the purchase of goods (eg, automobiles, electronic products, etc.) using the negative mileage service (S100).

When a product purchase is requested by a user, the electronic commerce server 300 provides predetermined form data for a negative mileage service to the corresponding user terminal 200 requesting the product purchase, and inputs the user according to the predetermined form data. After storing the financial information and identity information, and outputs to the financial institution server 500 (S200).

Accordingly, the financial institution server 500 providing the negative mileage service checks the financial information and the identity information input by the corresponding user, and then pays the purchase cost of the specific product requested by the user to the e-commerce server 300 and purchases the product. The negative mileage corresponding to the cost is charged to the user (S300).

The e-commerce server 300 provided with the product purchase cost from the financial institution server 500 provides the product to the corresponding user, and provides some margin of the product selling and distribution cost to the financial institution server 500 (S400).

Then, the financial institution server 500 offsets the negative mileage charged to the user through some margins of the sales and distribution costs provided from the e-commerce server 300 (S500).

In addition, the plurality of affiliate servers 400 that have set up a partnership relationship between the financial institution server 500 and the negative mileage service receive specific products from the e-commerce server 30 through the payment of the cost of the financial institution server 500. When the user purchases a specific product in order to offset the negative mileage caused by the provision of the product, the financial institution server 500 provides some margin of the sales and distribution costs incurred by the user's purchase of the product (S600). ).

Then, the financial institution server 500 offsets the negative mileage imposed on the user through some margins of the sales and distribution costs provided by the plurality of affiliate servers 400 (S700).

In this case, the above-described process (S700) is continuously performed until the negative mileage imposed on the specific user in the financial institution server 500 is converted to the positive mileage, when the positive mileage is converted into a plurality of affiliate servers Through the contract with the (400), the user can use the mileage converted to a plus to receive a discount service when purchasing a product.

On the other hand, although not mentioned in each of the above-described embodiments, it is possible to apply the negative mileage service according to the present invention to a product that is charged a fee according to the user's use in addition to the communication device, in addition to products such as automobiles and electronic products When the user provides collateral related to real estate, the minus mileage service according to the present invention may be applied to the construction field.

As described above, according to the product sales and financial service system using the negative mileage of the present invention, a plurality of users receive products such as communication devices, automobiles, and electronic products through the negative mileage service through a financial institution without paying their own expenses. It can be provided in advance from a telecommunications device seller or an e-commerce site, and offset any negative mileage charged to the user through some margin incurred from the sale or distribution of the product or from royalties incurred in using the product. As a result, users buying a product can purchase the product without burdening the product price, manufacturers can sell more products, and financial institutions can attract a large number of high-quality customers. Manufacturers, sales companies, financial institutions, and Doemeun is equally benefit is granted to those who have enabled all of the national economy, of course, there is an effect that it created a new concept of consumption does to you this kind of burden.

And by returning most of the sales and distribution margins in the sales and distribution process to the user to offset the negative mileage, users can immediately benefit from the purchase of the product, thereby improving the structure of the sales and distribution process There is an advantage to achieve this.

In addition, financial institutions also have the effect of providing a negative long-term mileage offset period by providing a long-term financial products to users.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (8)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; A plurality of user terminals outputting financial information and personal information input by a user who wants to receive a communication device for free through a negative mileage service provided by a specific financial company through the network communication network; Receive and store financial information and personal information of a specific user who wants to purchase a communication device through a negative mileage service from the plurality of user terminals, and provide financial and personal information according to the user's communication device purchase to the outside, and A communication device seller server that provides the communication device to a user when payment of the communication device is made from the communication device, and provides some margin of the sale and distribution cost of the communication device provided to the user to the outside; Receive and store financial information and personal information of a specific user's communication device purchase through the negative mileage service from the communication device seller server, charge the user for the cost of using the user's communication device, and pay the user A service provider server providing some margin of the cost to the outside; And Receive and store financial information and personal information according to a communication device purchase through the negative mileage service of a specific user from the communication device seller server, and provide the purchase cost of the communication device to the corresponding communication device seller server and at the same time purchase cost Charge a negative mileage to the user, receive some margin of the sales and distribution cost of the communication device from the communication device seller server, and offset the negative mileage charged to the user, and the communication device of the user from the service provider server A product sales and financial services system using negative mileage, comprising a financial institution server that receives a portion of the cost of use and offsets the negative mileage charged to the user. The method of claim 1, wherein the financial institution server, If the user who received a certain communication device through the negative mileage free of charge cancels all the negative mileage charged by the purchase of the communication device, the mileage is converted into a positive mileage. The product sales and financial services system using the negative mileage, characterized in that by providing a service that allows the user to receive a discount of the communication device fee using the mileage converted to a plus through the contract with the service provider server. A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; Financial information and personal information input by the user who wants to receive the product free of charge through a negative mileage service provided by a specific financial company is output to the outside through the network communication network, and received free through the negative mileage service of a specific financial company. A plurality of user terminals for outputting a purchase request signal for purchasing another product to offset the purchase cost of the product to the outside; Receive and store financial information and personal information of a specific user who wants to purchase a product through a negative mileage service from the plurality of user terminals, and provide financial and personal information according to the user's product purchase to the outside, and receive the product from the outside. An electronic commerce server that provides a corresponding product to a user when a cost is paid, and provides a part of margin of a sale and distribution cost provided to the user to the outside; After establishing a partnership relationship with a specific financial company and a negative mileage service, and when a purchase request signal for a specific product is input from a plurality of user terminals connected through the network communication network, the product is paid for the product and then the product is sent to the user. And a plurality of affiliate servers providing some margins of sales and distribution costs according to the purchase of the product by the user. And It receives and stores financial information and personal information according to a product purchase through a negative mileage service of a specific user from the e-commerce server, provides the purchase cost of the product to the corresponding e-commerce server, and at the same time, minus the mileage corresponding to the purchase cost. Charged to the user, provided with some margin of product sales and distribution costs from the e-commerce server to offset the negative mileage charged to the user, and sales and distribution costs according to the purchase of the product of the user from the plurality of partner servers The product sales and financial services system using the negative mileage, characterized in that configured to include a financial institution server to offset the negative mileage imposed on the user receives a portion of the margin. The method of claim 3, wherein the financial institution server, When a user who receives a certain product through negative mileage cancels out all the negative mileage charged by the purchase of the product, he / she converts it to plus mileage, Product sales and financial services system using a negative mileage, characterized in that the service provided by the user with a predetermined discount using a mileage converted to a plus when a user purchases a product through a contract with a plurality of affiliate servers. (1) a user requesting to purchase a communication device using a negative mileage service to a specific communication device seller server through a network communication network; (2) outputting financial information and identity information input by a user who requests a purchase of a communication device using a negative mileage service from a communication device seller server to a communication service provider server and a financial institution server; (3) providing, by the financial institution server, the communication device purchase cost of the user to the communication device seller server, and imposing a negative mileage corresponding to the communication device purchase cost to the user; (4) providing a communication device to a corresponding user in a communication device seller server provided with a communication device purchase cost, and providing some margins of sales and distribution costs to the financial institution server; (5) offsetting the negative mileage of the user from the financial institution server through some of the sales and distribution costs provided by the communication device seller server; (6) providing a portion of the royalties due to the user's use of the communication device in the service provider server to the financial institution server; And (7) A method of selling and using financial services using a negative mileage, comprising the process of offsetting the negative mileage of the user from the financial institution server through some margin of the communication equipment fee provided by the telco server. The method of claim 5, wherein the process (7), Method of selling and financial services using negative mileage, characterized in that the negative mileage imposed on the specific user in the financial institution server is offset until the mileage is converted to the positive mileage. (A) a user requesting to purchase a product using a negative mileage service to a specific e-commerce server through a network communication network; (B) outputting the financial information and the identity information input by the user requesting the purchase of goods using the negative mileage service from the electronic commerce server to the financial institution server; (C) providing, by the financial institution server, the user's product purchase cost to the e-commerce server and imposing a negative mileage corresponding to the product purchase cost to the user; (D) providing the product to the user in the e-commerce server provided with the product purchase cost, and providing some margins of the sales and distribution costs to the financial institution server; (E) the process of offsetting the negative mileage of the user at the financial institution server through some of the sales and distribution costs provided by the e-commerce server; (F) providing a portion of the sales and distribution costs incurred in accordance with the user's purchase of the product to the financial institution server in a plurality of affiliate servers that have established a partnership with the financial institution server; And (G) The method of selling and financial services using negative mileage, comprising the process of offsetting the negative mileage of the user from the financial institution server through some margins of the sales and distribution costs provided by the plurality of partner servers. . The method of claim 5, wherein the process (G), Method of selling and financial services using negative mileage, characterized in that the negative mileage imposed on the specific user in the financial institution server is offset until the mileage is converted to the positive mileage.