KR20010067909A - Electronic Commerce setting a discount rate of Goods by client and Investment employ system using thereof - Google Patents

Abstract

PURPOSE: An electronic commercial transaction setting a commodity discounting ratio based on a client and a system for operating an investment using the transaction are provided to obtain a profit with respect to the depositing money by setting a commodity discount rate including a margin of an ISP and using a predetermined money set by a client in the depositing money and accumulating money set by the commodity discount rate. CONSTITUTION: A client recognizes information of a commodity from an ISP, and directly sets a commodity selection and a commodity discount rate and transmits buying data of the commodity. The ISP decides whether a paying with respect to the corresponding commodity about the buying data is performed. If the paying is achieved, a database for depositing money and accumulating money set by a predetermined rate in accordance with a commodity selling being responded to the commodity discount rate set by a client is made. The ISP invests to a stock item or a financial institution using the depositing money and distributes a profit in accordance with the investment result to the client.

Description

Electronic commerce setting a discount rate of Goods by client and Investment employ system using equivalent}

The present invention relates to a customer-driven product discount rate setting e-commerce and investment management system using the same, in particular, the customer discount rate, including margins, arbitrarily set by the customer, using the reserve amount and deposit amount set in accordance with the product discount rate in the ISP The present invention relates to an electronic commerce and a investment management system using the same.

Even today, Internet usage is on the rise, and the Internet consists of a huge number of computers and computer networks that interconnect these computers through data communications links, providing a variety of services such as e-mail, gophers and Exchange information using the World Wide Web. The World Wide Web allows information exchange to take place by allowing a server computer system (e.g., a web server or website) to send graphical web pages of information to a remote client computer system. Such a remote client computer system can be received from a server computer and displayed as web pages of various screens.

On the other hand, the recent development of communication technology has attracted attention in recent years, the electronic commerce (Electronic Commerce) through which the online commerce through the network.

E-Commerce broadly encompasses all economic activities such as advertisements, orders, purchases of goods and services that companies and consumers perform on computer networks, but generally refers to services such as product search, delivery and payment in Internet shopping malls. Say. In particular, e-commerce via the Internet is being made and the netizens using it is increasing.

The development of e-commerce is largely driven by the development of communication networks, but above all, the sellers and buyers are able to enjoy other benefits not gained from the traditional commerce system. In other words, the seller does not have to have a separate large warehouse for storing the store and goods, so that the capital of the facility can be saved, and this can be reflected in the product price. Not only can you do this, but you can also buy the item at a lower price.

However, even in online e-commerce, the seller unilaterally determines the discount rate of the commodity price, and accordingly, it is common for the buyer to view the unconditional discount rate of the product and select and purchase the product. It is not prepared. In addition, the existing ISP which simply uses the profit margin of the product as a profit model has a problem that the interest of the consumer decreases in terms of the sale of the product, falling behind the price competitiveness.

Accordingly, an object of the present invention is to arbitrarily set a product discount rate, including a margin that can be taken by an ISP, supplied from a product provider, and optionally set by the customer in the amount of deposit and deposit amount set according to the product discount rate. It is to provide the customer-led product discount rate setting e-commerce which can take advantage of the deposit amount by utilizing the amount in the ISP and the investment operation system using the same.

1 is a block diagram briefly showing the basic configuration of a customer terminal according to an embodiment of the present invention;

2 is a block diagram briefly showing the basic configuration of an ISP server according to an embodiment of the present invention;

3 is a flowchart schematically illustrating an operation process of a customer-led product discount rate setting e-commerce and an investment management system using the same according to the present invention;

4 is a flowchart illustrating a process of using web surfing and membership content according to an embodiment of the present invention;

5 is a flowchart illustrating a membership registration procedure according to an embodiment of the present invention;

6 is a flowchart illustrating a step of setting a product discount rate according to an embodiment of the present invention;

7 is a flowchart illustrating a process of processing a free gift value according to an embodiment of the present invention;

8 is a flowchart illustrating a payment method of a purchased product according to an embodiment of the present invention;

9 is a flowchart illustrating a process of processing the accumulated amount and deposit amount according to an embodiment of the present invention;

10 is a flowchart showing a further depositing step according to an embodiment of the present invention;

11 is a flowchart illustrating an investment profit amount processing step according to a deposit amount according to an embodiment of the present invention;

12 is a flowchart illustrating a step of refunding an accumulated amount according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: customer terminal 12: power supply

14: customer terminal control unit 20: ISP server

21: Router 22: Security Server

23: ISP server control unit 24: application program

25: ISP management, operator 26: Database group

In order to achieve the above object of the present invention, the present invention includes a sales margin for a product in a product discount rate, and sets the product discount rate directly by the customer to direct an arbitrary amount to an ISP based on a network-based Internet. The product discount rate setting of the electronic commerce and investment management system using the same, the product discount rate setting of the customer-driven electronic commerce of the present invention and the investment management system using the same, (a) the customer recognizes the information about the product from the ISP, Directly setting product selection and product discount rate to purchase and transmitting purchase data for the product; (b) With respect to the purchase data, the ISP determines whether the payment has been made for the corresponding product, and when the payment is made, the accumulated amount and deposit amount set at an arbitrary rate according to the product sale corresponding to the product discount rate set by the customer Database; And (c) investing in any stock item using a deposit amount deposited by the ISP or investing in a financial company, and distributing the profits according to the investment result to the customer.

At this time, in step (a), the ISP informs the customer terminal 10 of the discount rate of the product that the customer wants to purchase and the accumulated amount and the deposit amount that increase as the discount rate set for the product decreases. Transmitting; After the customer recognizes the relationship between the discount rate of the product and the accumulated amount and deposit amount in the information, it is preferable that the customer selects the discount rate for the product to be purchased and transmits the selected product and discount rate information to the ISP. .

In addition, the step (b), the ISP receives the product and discount information selected by the customer to determine whether the accumulated amount and deposit amount corresponding to the discount rate occurs; As a result of determining whether the accumulated amount and deposit amount occur, if the accumulated amount occurs, the accumulated amount is accumulated in the customer's reserve amount management DB, and if the deposit amount occurs, the deposit amount is accumulated in the customer's deposit (investment) management DB (26f). It is preferably made to accumulate in.

At this time, in the payment process of step (b), the customer pays the price of the goods using the accumulated amount and transmits the payment request information to the ISP; In response to the payment request information, the ISP determines whether it is possible to pay the price of the product by the amount of the customer, and performs the payment processing, and performs data management related to the update of the transaction details and the accumulated amount. More preferred.

And, after step (b), sending additional deposit request information to the ISP, including the customer depositing any reserve; In response to the additional deposit request information, the ISP displays information on the additional depositable amount according to the accumulated amount of the customer, the current deposit amount of the customer, and the total deposit amount deposited by other customers including the customer. Transmitting to; Checking, by the customer, information related to the deposit, setting and inputting an additional deposit amount within the allowable deposit amount, and transmitting it to the ISP; The ISP confirms the transferred additional deposit amount and updates the deposit (investment) management DB 26f; The ISP may include a step of making an investment by acting as a fund manager with the total amount of deposits received from the customer.

On the other hand, after step (c), the ISP transmits the investment profit amount information and the investment status generated according to the investment to the customer in real time and determines whether the investment period, which is a predetermined period set by the customer, has been reached; When the investment period is reached, it is preferable that the ISP further accumulates the investment profit amount and the deposit amount when the profit is generated, and the deposit amount changed when the loss occurs, to the accumulated amount of the customer.

Also, before the step (a), the ISP transmits the member information of the product supplier and the customer to the customer terminal 10; In the case where the member is a customer including an individual and a company, the customer enters the customer contract information for the contract with the ISP, including product purchase method, earning method, refund of deposit, deposit and investment, and then enters into the ISP. Transmitting; When the member is a product supplier, inputting the product supplier contract information including product type, product discount rate and product price information, and product delivery to an ISP; And ISP preferably proceeds to store the customer information and product supplier information received from the member in the member information DB (260a).

And, in the step (a), when the free gift occurs in accordance with the discount rate of the selected product, transmitting the free gift list information for the product to the customer terminal (10); Recognizing the transmitted free gift list information, it is preferable to select a free gift, and to set whether to receive the free gift as a product or to accumulate in any one selected from the amount of savings and the deposit amount.

On the other hand, after the step (b), the customer transmits information requesting a refund for any reserve amount to the ISP; Sending the refund amount information that can be refunded according to the refund request to the customer terminal 10 and receiving an account transfer number from the customer; After checking the account transfer number, it will be more preferable to include the step of transferring the refund amount to the customer's account and at the same time updating the reserve amount management DB (26e) and the refund management DB (26g).

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention.

1 is a block diagram briefly showing the basic configuration of a customer terminal according to an embodiment of the present invention. Referring to FIG. 1, the customer terminal 10 according to the present embodiment includes a power supply unit 12 for supplying power to the entire system, and a customer terminal control unit 14 for performing data processing throughout the system. Although not shown, the customer terminal control unit 14 is connected to the system bus (not shown) so that the data transmission can be made with the system. Here, the customer means a member including a product supplier, an individual, and a company, and here, an embodiment will be described as "a customer". In addition, in the customer terminal control unit 14, a system bus is connected as described above, and an auxiliary storage device 18 for supporting the customer terminal control unit 14 is connected. The auxiliary storage device is provided with a storage device including a hard disk or a floppy disk. In addition, an input / output device 19 through which data is input and output to the customer terminal controller 14 is connected via the system bus. The input / output device 19 is provided with a customer convenience interface such as a keyboard, a monitor, a speaker, and the like. The client terminal controller 14 is connected with a network adapter 16 so as to be connected to the network. It is preferable that the network adapter 16 use 10/100 Mbps Ethernet or the like.

2 is a block diagram schematically showing the basic configuration of an ISP server according to an embodiment of the present invention. 2, the ISP server 20 in the present embodiment is connected to the Internet through a router 21, the security server 22, ISP server control unit 23, Database (DB) group (26), the database group 26 has member information DB (26a), product information DB (26b), free gift information DB (26c), authentication DB (26d), reserve amount management DB ( 26e), a deposit (investment) management DB 26f, a refund management DB 26g, a transaction management DB 26h, and a data backup DB 26i. Here, the ISP manager and operator 25 and the application program 24, which are responsible for managing and operating the respective DBs, are connected to the ISP server control unit 23.

The ISP operates the website according to the above configuration, and in particular, operates the Internet e-commerce from members including customers and product suppliers. Here, selecting some of the DB constituting the ISP server 20 to look at each role in more detail as follows.

The reserve amount management DB (26e) is a DB that the customer purchases the product, and manages the accumulated amount of the product according to the discount rate of the product, and also the DB that accumulates the free gifts according to the discount of the product as a free amount, further investment profit The amount is also a DB to accumulate.

The depositing (investment) management DB (26f), if the ISP generates an investment profit amount as a fund manager for the deposit amount of the customer, it is changed according to the amount deposited by the customer from the generated investment profit amount Manage the deposit amount.

The refund management DB 26g performs a DB for processing and managing information on the refund request amount when the customer requests to refund any total reserve amount. Here, the total reserve amount means the accumulated amount accumulated.

Meanwhile, the DBs not described are simply explanations of general functions, and thus will be omitted.

3 is a flowchart schematically illustrating an operation process of a customer-led product discount rate setting electronic commerce and an investment management system using the same according to the present invention. The present invention will be described in the above block order. In detail, the authentication step, the discount rate setting step, the gift setting step, the purchase product settlement step, the accumulation and deposit amount accumulation step, the additional deposit step, the investment profit amount processing step and the accumulated amount refund step will be described sequentially.

4 is a flowchart illustrating a process of using web surfing and membership content according to an embodiment of the present invention. Referring to FIG. 4, a customer first accesses an ISP server that operates an electronic commerce on the Internet using a customer terminal 10 (S102). After that, the customer proceeds to search the web page constituting the website. At this time, the ISP determines whether the page searched by the customer is a member content. In other words, the customer determines the use request for the member content (S104).

On the other hand, if there is no request for the use of the member content, it is determined whether the member wishes to register the customer (S106). When there is no hope of membership registration, the web surfing of the web page is simply performed (S120). On the contrary, if there is a desire to register, the registration process for each member type is performed (S108).

As a result of determining whether to use the content for the member, the existing member is granted a use right to use the content for the member after the login process (S110).

The member registration procedure will be described with reference to FIG. 5. 5 is a flowchart illustrating a membership registration process according to an embodiment of the present invention. As shown in FIG. 5, first, the ISP transmits information regarding a member type to a customer who wants a member (S150), and the customer determines and selects a member type that can be registered as a member (S152). When the determination of the type becomes the customer, information on the contents of the contract between the customer and the ISP is sent to the terminal of the customer (S153). In this case, the contents of the contract with the customer may include how the customer purchases the product, whether the accumulated amount and deposit amount of the purchased product have occurred, whether the refunded amount or the deposited amount of the accumulated amount is refunded, and the deposited amount. The method includes the method of accumulating the amount of investment profit, the investment period of the deposit amount, the receipt of the free goods and the method of accumulating and depositing the free money, the payment and delivery of the purchased goods.

On the other hand, if the member type becomes a product supplier, the product supply contract information includes the supply method of the product, the product type, the discount rate of the product, and whether or not the investment period for a part of the amount of the product price (S154). In this case, the user is asked whether they agree with the contents of the contract (S155). If the user agrees, the member information as a member is input and the member information is transmitted to the ISP (S156). In addition, when modifying the member information is performed again the member selection process (S157). If not, the ISP ends the member registration process by storing the customer information in the member information DB (S158).

6 is a flowchart illustrating a step of setting a product discount rate according to an embodiment of the present invention. The above step is a process after the login process has already been performed by the member. Referring to FIG. 6, the customer will recognize the information about the product provided by the ISP after proceeding with the above login process. The product will be selected (S200). When selecting a product to be purchased as described above, the ISP will transmit the information including the discount rate of the product, the accumulated amount and deposit amount according to the discount rate to the customer terminal 10 with the image of the product selected by the customer ( In step S202, the customer recognizes the detailed information and then selects a discount rate of the product (S204). Of course, it is determined whether the selected product discount rate is corrected (S206). If there is no correction, the selected product and discount information are transmitted to the ISP (S208).

Table 1

[Table 1] shows an example table according to the discount rate setting for products. More specifically, as the discount rate is set up to 40% when there is no discount rate, each sale amount according to the discount rate is applied differently, and the lower the discount rate, the higher the accumulated amount and the deposit amount. At this time, the difference between the selling amount according to the minimum discount rate and the selling amount according to the discount rate selected by the customer is divided into a predetermined ratio and constituted by the accumulated amount and the deposit amount, and the ratio of the accumulated amount and the deposit amount is 50%. It is shown in Table 1 on the basis of 50%. Of course, it can be configured to be set by changing the ratio up to 0%: 100%. In addition, 10% of the sale amount is set as a free gift value, and the following will be described in detail later, but the total reserve amount includes the deposit amount, the deposit amount after the investment period has passed, and the investment profit amount generated by the investment. Include the amount of the gift. Here, it is preferable that the total amount of funds be transferred to a member who subscribes to the ISP.

7 is a flowchart illustrating a process of processing a free gift value according to an embodiment of the present invention. Referring to FIG. 7, when a free gift occurs according to a discount rate selected by a customer (S300), the ISP transmits free gift list information to the customer terminal 10 (S302), and the customer determines how to process the free gift. And (S303), if the customer said to earn a free gift ISP is to send information about the amount of free gift to be stored to the customer terminal 10 (S304).

On the other hand, if the customer said to receive the free gift will be sent information including the image of the goods and gifts to purchase (S308). If the customer wants to purchase additional goods (S307), the process proceeds to the step S200 of selecting the desired product of FIG. 6 (??).

8 is a flowchart illustrating a payment method of a purchased product according to an embodiment of the present invention. Referring to FIG. 8, information including payment of a sale price of a product to be purchased by a customer is transmitted to the customer terminal 10 (S400). Meanwhile, the ISP allows the customer to select a payment method of the product to be purchased (S401). In this case, when the payment is made using the accumulated amount, it is checked whether the total amount of money is greater than the amount of payment of the customer (S402). The ISP transmits and calculates information confirming the total amount and payment amount to the customer terminal 10 (S403), and updates the total amount of the customer amount (S404), and the product price with the accumulated amount. Payment is made (S405). If the payment is made as described above, the customer is to receive the goods and gifts (S410).

On the other hand, if the type of payment means is a wire transfer (S401), ISP transfers the information about the amount to be paid and the account transfer number of the ISP to the customer terminal 10 (S412), the customer confirms this By internet banking (S414), by transferring the goods price (S416), you can receive the goods and gifts (S410),

On the other hand, if the customer made the payment method by credit card, the ISP transmits the information about the amount to be paid and the account transfer number of the ISP to the customer terminal 10 (S422), and the customer enters the credit card number. After (S424) the product will be paid by credit card (S426). The above description of account transfer and credit card payment is briefly regarded as a general payment method for ordinary financial transactions.

9 is a flowchart illustrating a process of processing the accumulated amount and deposit amount according to an embodiment of the present invention. After confirming whether the product payment is completed for the selected product (S501), and if the accumulated amount and deposit amount according to the discount rate of the charged product is generated (S502), the amount of the selected product and the amount of the gift and the past The accumulated accumulated amount is transmitted to the customer terminal 10 (S503), and the deposit amount according to the selected product and the previously deposited amount are also transmitted to the customer terminal (S504). The ISP calculates the total reserve amount of the customer and updates the reserve amount management DB 26e and the deposit (investment) management DB S26f (S505, S506), and invests the deposit amount (S507). ).

10 is a flowchart showing a further depositing step according to an embodiment of the present invention. Referring to Figure 10, the customer in the process of depositing the reserve amount, first, the customer transmits the additional deposit request information, including the deposit to the ISP (S600), the ISP additional depositable amount and the customer The deposit amount of the present condition and the total deposit amount of other customers, including the customer is transmitted to the customer terminal (10) (S602), the confirmed customer will set an additional deposit amount, where the additional deposit amount is The total reserve amount is used, but should be less than the total reserve amount (S604). The ISP server 200 confirms whether the additional deposit amount is corrected to the customer (S605), informs the customer of the additional deposit amount (S606), and after updating the customer's deposit (investment) management DB (S608). In this case, the investment is made with the total deposit amount deposited from other customers including the customer (S610).

On the other hand, if the investment profit is generated by the ISP invested in the deposit amount described above will be described in detail in FIG. 11 is a flowchart illustrating an investment profit amount processing step according to the deposit amount according to an embodiment of the present invention. As shown in FIG. 11, when the customer accesses the ISP server 200 and logs in, the investment profit is generated and the investment status is transmitted in real time (S700), and the investment period determined when the customer deposits is confirmed. (S701), when the investment period is over, it is determined whether the investment profit occurs (S702), and when the profit occurs, the investment profit amount and the deposit amount are calculated by calculating an equal amount of investment profit according to the deposit amount of the customer ( S703), the investment profit amount and the deposit amount are further accumulated in the accumulated amount (S704), and the customer's reserve amount management DB and the deposit (investment) management DB are updated (S705).

On the other hand, when a loss occurs, the changed deposit amount is confirmed to the customer (S706), and further accumulated in the accumulated amount, and the related DB is updated (S704 and S705).

12 is a flowchart illustrating a step of refunding an accumulated amount according to an embodiment of the present invention. After the customer requests a refund for any total amount of money (S800), and sets the amount of money to be refunded (S802), the refund amount should be less than the total amount of money of the customer. At this time, the ISP checks whether the refund amount is corrected (S803), and sends information about the refunded amount to the customer (S804). At this time, when the customer enters the account transfer number (S806), the ISP checks the refund amount and transfers the account at the same time (S808), to update the customer's reserve amount management DB (260e) and refund management DB (260g) (S810)

As described above, the customer-driven product discount rate setting electronic commerce and the investment management system using the same, the customer purchases the most troublesome products through the server for the electronic commerce and the payment of the product price of the accumulated amount It can be configured to make it possible, and it is possible to accumulate the amount of profit generated at the same time as the member decides the product discount by himself, so that he can get excellent purchase benefits for the additional profit, and also raises the perspective on investment by depositing with the ISP. ISP is able to realize the financial profit by saving and depositing the product sales margin to the member and inducing it by depositing and depositing, and can accurately grasp the member's consumption propensity, sales performance and customer information, and the efficiency of future sales methods. There is an advantage to increase

The present invention is not limited to the above-described embodiments, and it will be apparent that many modifications are possible by those skilled in the art within the technical spirit of the present invention.

Claims (9)

The product discount rate is included in the product discount rate, and the product discount rate is directly set by the customer and the product discount rate is set by the customer through the network-based Internet, which deposits an arbitrary amount with the ISP. In (a) a customer recognizes information about a product from an ISP, directly sets a product selection and a product discount rate to purchase, and transmits purchase data about the product; (b) With respect to the purchase data, the ISP determines whether the payment has been made for the corresponding product, and when the payment is made, the accumulated amount and deposit amount set at an arbitrary rate according to the product sale corresponding to the product discount rate set by the customer Database; And (c) investing in any stock item using a deposit amount deposited by the ISP, or investing in a financial institution, and distributing the profits according to the investment result to the customer; Product discount rate setting E-commerce and investment management system using the same. The method of claim 1, wherein step (a) comprises: The ISP transmits to the customer terminal 10 information on a discount rate of a product to be purchased by the customer and an increase in the deposit amount and the deposit amount as the discount rate set for the product decreases; After the customer recognizes the relationship between the discount rate of the product and the accumulated amount and deposit amount in the information, selecting the discount rate for the product to be purchased, and transmitting the selected product and discount rate information to the ISP Customer-led product discount rate setting E-commerce and investment management system using the same. The method of claim 1, wherein step (b) Receiving, by the ISP, a product and discount rate information selected by the customer to determine whether an accumulated amount and a deposit amount corresponding to the discount rate are generated; As a result of determining whether the accumulated amount and deposit amount occur, if the accumulated amount occurs, the accumulated amount is accumulated in the customer's reserve amount management DB, and if the deposit amount occurs, the deposit amount is accumulated in the customer's deposit (investment) management DB (26f). Product-driven product discount rate setting e-commerce characterized in that it consists of a step of accumulating in and an investment management system using the same. The method of claim 1, wherein in the settlement of step (b), The customer pays the price of the goods using the accumulated amount to transmit the payment request information to the ISP; In response to the payment request information, the ISP determines whether it is possible to pay the price of the product by the amount of the customer, and performs the payment processing, and performs data management related to the update of the transaction details and the accumulated amount. Customer-driven product discount rate setting E-commerce and investment management system using the same. The method of claim 1, wherein after step (b), Transmitting additional deposit request information to the ISP, including the customer further depositing any reserve; In response to the additional deposit request information, the ISP displays information on the additional depositable amount according to the accumulated amount of the customer, the current deposit amount of the customer, and the total deposit amount deposited by other customers including the customer. Transmitting to; Checking, by the customer, information related to the deposit, setting and inputting an additional deposit amount within the allowable deposit amount, and transmitting it to the ISP; The ISP confirms the transferred additional deposit amount and updates the deposit (investment) management DB 26f; ISP is a customer-driven product discount rate setting e-commerce characterized in that it comprises the step of performing the investment by acting as a fund manager (fundament manager) with the total amount of deposits received from the customer, the investment amount using the same Operating system. The method of claim 1, wherein after step (c), The ISP transmits the investment profit amount information and the investment status generated according to the investment to the customer in real time and determines whether the investment period reaches a predetermined period set by the customer; When the investment period is reached, the ISP further proceeds to accumulate the investment profit amount and the deposit amount when the profit occurs and the deposit amount changed when the loss occurs to the accumulated amount of the customer. And investment management system using the same. The method of claim 1, wherein before step (a), The ISP transmits the member information of the product supplier and the customer to the customer terminal 10; In the case where the member is a customer including an individual and a company, the customer enters the customer contract information for the contract with the ISP, including product purchase method, earning method, refund of deposit, deposit and investment, and then enters into the ISP. Transmitting; When the member is a product supplier, inputting the product supplier contract information including product type, product discount rate and product price information, and product delivery to an ISP; And ISP is a customer-driven product discount rate setting e-commerce characterized in that the step of storing the customer information and product supplier information received from the member information DB (260a) and investment management system using the same. The method of claim 1, wherein in step (a): Transmitting a free gift list information on the product to the customer terminal 10 when the free gift occurs according to the discount rate of the selected product; Recognizing the sent free gift list information to select a free gift, and the customer-driven product, characterized in that the step of setting whether to receive the free gift as a commodity or to any one selected from the reserve amount and deposit amount Discount rate setting E-commerce and investment management system using the same. The method of claim 1, wherein after step (b), The customer sends information requesting a refund of any reserve amount to the ISP; Sending the refund amount information that can be refunded according to the refund request to the customer terminal 10 and receiving an account transfer number from the customer; After confirming the account transfer number, the transfer of the refund amount to the customer's account and at the same time updating the reserve amount management DB (26e) and the refund management DB (26g), the product discount rate setting of the customer-led characterized in that it was made E-commerce and investment management system using the same.