KR20010096255A - A method and system of reverse finance and reverse management business model - Google Patents

Abstract

PURPOSE: A method and an apparatus for a reverse finance and a reverse administration business model in an electronic commerce system are provided to form a reverse finance and a reverse administration business model in an electronic commerce system by providing stocks of an establishing company, a credit service, a deposit service, a loan service, and an insurance service to a consumer. CONSTITUTION: An electronic commerce support server(1) includes an electronic settlement device for performing electronic settlement operations of various consumers, a plurality of database for storing information of the consumers, a database engine and a communication device for operating the databases and transmitting contents of the databases, and an ATM(Automatic Teller Machine). An establishment consumer's PC(Personal Computer)(3) and a general consumer's PC(4) are connected with a server computer through a network. A bank server(5) supports the ATM. A stock exchange server(6) lists stocks of an establishing company. An insurance company server(7) performs an insurance business with the establishment consumer.

Description

A method and system of reverse finance and reverse management business model

The present invention relates to implementing a reverse finance and reverse management business method and system in electronic commerce,

More specifically, in the case of a consumer purchasing goods and services in e-commerce and / or general commerce, the producer and the consumer share the stock with the producer by sharing the stock with the producer for free, thereby providing the consumer with the profit and ownership of the stock company. By converting management into substantially consumer-oriented reverse ownership and reverse management, and crediting consumers with profits on shares and face value of shares based on the stocks provided by the producers to consumers, The present invention relates to a method and system for the reverse financial and reverse management business model in electronic commerce which creates a deposit and insurance at the same time as the donation and enables the consumer to be provided with a non-guaranteed, interest-free, and indefinite loan by the credit.

Conventionally, the subject of finance is a financial institution, including a bank, etc., the deposit must be directly deposited by the consumer to the financial institution, and the creation of interest on the deposit is paid in return for the money entrusted by the consumer. . In addition, even in revolving loans, if the balance is terminated or the balance is zero, it is no longer possible to create a balance.

In a conventional loan, a general financial institution evaluates the credit status of the loan requester who needs the loan, and even if the credit condition satisfies the loan condition, it is necessary to provide a reasonable collateral or establish a guarantor for the loan amount. It is necessary to submit the relevant documents to the lending store, the time required for the screening for the loan to be made, and the automatic change of the lender is impossible. In addition, financial institutions should establish a branch network for financial operations. When the loan is made to the loan requester through the above procedure, the loan requester must pay the financial institution at a certain rate on the loan amount. In addition, when the loan expires, the loan amount must be repaid. As mentioned above, if the balance is zero, no further auto revolving loan is possible. The above description applies to both cyber and real financial institutions.

In addition, a conventional stock company secures capital based on a large number of shareholders by establishing a stock company to secure capital around a small number of promoters or by issuing large-scale public offerings. In this form, the general consumer is excluded from the ownership and management rights of the stock company. Therefore, they do not have a direct influence on the goods and services they purchase and always stand in an indirect position, and they perform consumption in a position dependent on the producer.

In the financial and management of the prior art described above, a problem arises in that a consumer always stands in a position dependent on a producer and a financial institution.

An object of the present invention is to overcome the problem of consumer dependency in the management of a corporation as a producer of finance and producers in the prior art described above.

Another object of the present invention is to provide a start-up share to a start-up consumer when a corporation is established, and to create credits, deposits, loans, insurance, etc., free of charge to consumers through cyber, Implement methods and systems of management business model.

1 is a block diagram showing an entire system of the present invention,

2 is a block diagram schematically showing the overall flow of the reverse finance and reverse management business model of the present invention;

3 is a configuration diagram of a server showing the configuration of a producer e-commerce support server of the present invention;

4 is a diagram showing the configuration of a database of the present invention;

5 is a diagram showing a table structure of a founding consumer of the present invention;

6 is a flowchart showing the overall flow of the present invention;

7 is a view showing the concept of the e ^H -business of the present invention,

8 is a block diagram showing that the founding stock of the present invention creates reverse credit, and the generated reverse credit is converted into reverse deposit, reverse interest, reverse currency,

9 is a diagram showing the difference between the cyber deposits of domestic and foreign financial institutions and the reverse deposit of the present invention;

10 is a diagram showing the difference between cyber loans and reverse loans at domestic and foreign financial institutions;

11 is a diagram showing the difference between cyber insurance and reverse insurance in domestic and foreign financial institutions;

12 is a diagram showing the difference between electronic money (e-MONEY) and reverse money (r-MONEY).

* Explanation of symbols for the main parts of the drawings

1: Electronic Commerce Support Server 2: Producer (Ltd)

3: Start-up consumer PC 4: General consumer PC

5: financial institution server 6: stock exchange server

7: Insurance company server 8: Network communication network

9: Start-up consumer DB 10: General consumer DB

11: Product DB 12: Database Engine

13: shopping mall webpage 14: electronic payment means

15: direct debit means 16: communication means

17: control unit 18: consumer classification module

19: Credit calculation module 20: DB update module

21: DB search module 22: data input and output unit

The system of reverse banking and reverse business model in the present invention e-commerce to achieve the above object,

A web page that introduces producers' products and services has been constructed, and an electronic payment means for performing electronic payments when a plurality of consumers wish to purchase goods and services, and a plurality of databases storing information of the consumers. The database engine and communication means for manipulating a plurality of databases and sending the contents of the database to the outside through a network communication network when a request for output of the data is requested. A plurality of producer e-commerce support server computers having an automatic debit means for automatically depositing a certain amount of the amount paid by; And

A plurality of servers connected to the server computer through a network communication network, can apply for the purchase of goods and services to the server, input personal information for membership registration, and retrieve the information of consumers stored in a database. Client computers.

The method of the reverse finance and reverse management business model in the present invention e-commerce to achieve the above object,

In the e-commerce of a producer who is a joint stock company,

(1) a step in which a producer establishes a stock company and sets up a number of founding stocks based on the basic capital and the number of shares issued when the e-commerce is executed;

(2) a consumer wishing to purchase access to the producer e-commerce support server through his connection means (e.g., PC);

(3) selecting the purchase of the producer's goods and services in the e-commerce support server and performing a member login when the purchase is selected;

(4) determining whether the business is a startup consumer or a general consumer after the login;

(5) In the case of the start-up consumer in step (4), if the start-up consumer purchases goods and services, the producer, the corporation, shall grant the start-up consumer the ownership of the start-up stock at a face value of the consumer price paid by the start-up consumer. Acquiring the founding consumer an amount corresponding to the par value of the founding stock;

(6) if classified as a general consumer in step (4), assigning a mileage score to the purchase amount of the general consumer;

(7) and sending goods and services purchased by the founding consumer and the general consumer to the founding consumer and the general consumer;

(8) storing the purchase history of the founding consumer and the founding stock information in the database, and storing the purchase information and the mileage information of the general consumer in the general consumer DB;

(9) signing up for membership if not a member in step (3), and determining whether the registered consumer has exceeded the number of founding consumers;

(10) if classified as a start-up consumer in step (9), register as a start-up consumer, and perform the above-mentioned start-up consumer to purchase goods and services of the start-up consumer (5), (7), (8);

(11) If the consumer who is a member in step (9) is classified as a general consumer beyond the number of start-up consumers, register as a general consumer and purchase the general consumer's goods and services (6), (7), (8) It is configured to perform.

Hereinafter, preferred embodiments of a reverse finance and reverse management business model method and system in an electronic commerce according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing an entire system of the present invention.

A web page that introduces producers' goods and services has been constructed, and when a plurality of consumers wish to purchase goods and services, an electronic payment means for performing electronic payments, a plurality of databases storing the consumer's information, and a plurality of Database engines and communication means for manipulating two databases and sending the contents of the database to the outside through network communication network 8 when a request for output of data is requested. A plurality of producer e-commerce support servers (1) having an automatic transfer means for automatically depositing a certain amount of the amount paid by the consumer as a purchase price to the entrepreneur account;

Connected via a server computer and a network communication network, you can apply for the purchase of goods and services to the e-commerce support server, enter personal information for membership registration, and retrieve the consumer's information stored in the database. A plurality of start-up consumer PCs 3 and a general consumer PC 4;

A financial institution server 5 capable of supporting direct debit;

A stock exchange server (6) which enables trading in the stock market if the founding stock is listed; and

When the founding consumer wants to purchase insurance with his own reserve, it consists of an insurance company server 7 which performs insurance.

A start-up consumer has ownership of a start-up stock by purchasing goods and services of the producer's stock on a first-come, first-served basis for an appropriate number of start-up stocks, which are automatically calculated by the underlying capital and the number of shares issued when the stock company, a producer, is established. As a consumer, entrepreneurs are given loans to owners of founding stocks, reverse deposits that accumulate the par value of the founding stocks, reverse credits that generate credits based on accumulated back deposits and start-up stocks, and reverse credits. Receivable reverse loan, reverse insurance to receive personalized insurance benefits by reverse credit, reverse ownership to be the owner of the stock company of the producer by ownership generated by ownership of the stock, and participation in management by ownership of the stock You will benefit from reverse management.

Consumers who purchase more than the specified number of shares are classified as general consumers. Unlike providing stocks to ordinary consumers, mileage is differentiated from start-up consumers by providing mileage benefits according to the purchase amount of goods and services.

2 is. As a diagram showing the basic concept and process of the present invention,

It consists of a producer e-commerce support server (1), a start-up consumer PC (3), and a general consumer PC (4). The process flow generated in each component is shown to outline the overall flow of the reverse finance and reverse management business model. A block diagram is shown.

As shown in the figure, when the founding consumer connects to the producer e-commerce support server from the founding consumer PC 3 and purchases the goods and services of the producer (ST1), the producer shares the founding stock with a certain percentage of the purchase amount at face value. Is paid to the founding consumer (ST2). Producers also have the right to reverse start-up, reverse currency, reverse interest, reverse insurance, reverse finance of reverse loans, reverse ownership of companies, and reverse management, based on the start-up shares paid to start-up consumers. It transforms consumers, who were excluded from the financial and producer control, into the central axis of financial and management.

3 is a diagram showing the configuration of the producer e-commerce support server of the present invention, in the e-commerce as shown in the figure, the producer e-commerce support server,

A shopping mall web page 13 on which a web page for introducing goods and services of the producer is constructed;

Electronic payment means (14) for performing electronic payment for a plurality of consumers when they want to purchase goods and services;

A plurality of entrepreneurship consumer DBs 9 and general consumer DBs 10 storing consumer information;

When a consumer requests the transfer of his / her accumulated amount to an account of his or her financial institution, an automatic debit means for automatically depositing the deposit generated by the consumer's purchase of goods and services into his or her financial institution account (15) );

A database engine 12 for manipulating a plurality of databases;

The communication means 16 transmits the contents of the database to the outside via a network communication network when a data output request is requested.

The direct debit means, when the start-up consumer applies for deposit to the account of his or her trading financial institution, the debit means automatically transfers to the account of the financial institution that the start-up consumer wants using the network communication network. In addition, the debited contents are automatically updated by the database engine in the startup consumer's database.

4 is a diagram showing the configuration of the database of the present invention, wherein the database engine includes a consumer classification module 18, an amount calculation module 19, a DB update module 20, a DB search module 21, and data input / output. It is comprised by the part 22.

When a consumer purchases goods and services, the consumer classification module determines whether the consumer can receive a predetermined number of shares of the producer company. It is classified as a start-up consumer, and consumers who exceed the consumers who can receive stocks are classified as general consumers.

The reserve calculation module calculates the number of shares to be paid to the start-up consumer and the start-up consumer to provide the start-up consumer with a share of the amount paid for the purchase of goods and services to the start-up consumer. Calculate a certain amount of the amount, and calculate the interest according to the accumulated amount.

The DB update module stores, inserts, updates, and deletes the information of the start-up consumer and the general consumer, which are classified and calculated by the consumer classification module and the accumulation amount calculation modules, in respective corresponding databases.

5 is a diagram schematically showing a table structure of a founding consumer of the present invention, wherein the founding consumer table of the founding consumer DB includes a unique number, name, ID, password (PW), resident number, address, and main bank of the founding consumer DB. It consists of the account number of the main bank, the number of founding stocks, the total amount of reserves, and the amount of bank transfer.

The unique number is a number assigned to manage the accumulated amount of the founding consumer, the number of founding stocks, the transfer amount, and the like, such as the account number of the founding consumer's bank. The database field names expressing the features of the present invention are the number of founding stocks, the total amount of reserves, and the amount of money transferred.

6 is a flowchart showing the overall flow of the present invention.

A consumer wishing to purchase a connection to the producer e-commerce support server 1 through his connection means (eg, PC) (S1);

Selecting a purchase of a producer's goods and services from the e-commerce support server 1 to which the consumer is connected (S2);

Performing a member login at the time of purchase selection (S3);

If the entrepreneur is a registered consumer or a general consumer, performing a login and determining whether the entrepreneur is a consumer or a general consumer (S4);

When the consumer who is logged in at step S4 is determined to be a start-up consumer, when the start-up consumer purchases goods and services (S5), the corporation, which is a producer, pays the start-up stock to the start-up consumer with a certain value of the purchase amount at par. Creating reverse finance of reverse credit, reverse deposit, reverse interest, reverse insurance, reverse loan, reverse currency based on the stock (S6);

And sending goods and services purchased by the founding consumer to the founding consumer (S14);

Storing the purchase history of the founding consumer, the founding stock information, and the reverse financial information in a database (S15); and

If the consumer is determined as a general consumer in step S4,

Purchasing goods and services (S12);

Generating and providing mileage according to the purchase amount of the general consumer (S13);

Sending the goods and services purchased by the general consumer (S14);

Storing general consumer purchase information and mileage information in a general consumer DB (S15); And

If not a member in the login step (S3), step (S8) to join the membership;

Determining whether the registered consumer has exceeded the number of founding consumers (S9);

If it is classified as a start-up consumer in the step, it is registered as a start-up consumer (S10), and performs the purchase step (S5, S6, S14, S15) of the goods and services of the founding consumer;

If the registered consumer is classified as a general consumer beyond the number of founding consumers, it indicates that the consumer is registered as a general consumer (S11) and performs the purchase of products and services (S12, S13, S14, S15) of the general consumer.

7 is a view showing the concept of the e ^H -business of the present invention,

Block diagram showing the execution of e ^H -business by start-up stock by integrating the state, corporation and family into a new consumer of a cyber home community.

e ^H - becomes, producers and consumers, the shareholders of the same qualifications as a result of the business, and the profits to be shared with consumers and help block indicates that the consumer capital of producers Co., Ltd., and

e ^H -Consists of block diagrams of the founding stocks, start-up consumers, start-up products, and start-up sales, which are the basic elements of business flow

e ^H -Business defines the nation, corporation and home as a new economy by grouping them into a single consumer community, the Cyber Home Community, and the basic capital, price and potential demand of the producers of the new economy. Provide the founding stock calculated to the consumer, recognize the consumer as the capital of the enterprise, define the consumer who has received the stock as the founding consumer, and based on the founding stock provided to the founding consumer, Being the same owner of a corporation (reverse ownership), granting the benefits of reverse finance to consumers, reducing corporate profits to consumer profits, and providing entrepreneurship shares to consumers Businesses that share corporate management with consumers (reverse management) It is a model. Therefore, in front of the name of the company that employs the future financial Station and Station management model of the present invention attached to e ^H e ^H - are exhibits that business to do business.

8 is a block diagram showing that the founding stock of the present invention generates reverse credit, and the generated reverse credit is converted into reverse deposit, reverse loan, reverse interest, reverse insurance, reverse currency,

Producer generates the effect of reverse credit, which increases the credit of the start-up consumer by reducing and accumulating the profit of the company to the start-up consumer based on the stocks provided to the start-up consumer, and by reverse credit, reverse deposit, reverse loan , Reverse interest, reverse insurance, and reverse currency create reverse finance, and by reverse finance, entrepreneurs can actually accumulate wealth simply by purchasing producers' goods and services. The currency is naturally generated and paid from the producer to the start-up consumer, which is defined as reverse currency.

9 is a diagram showing the difference between the cyber deposits of domestic and foreign financial institutions and the reverse deposit of the present invention.

Cyber deposits (e deposits) are subject to financial institutions, no free deposits are made, no interest is created without customer deposits, and no retirement or no balance is created when the balance is terminated or zero. On the other hand,

The reverse deposit is made by the producer, a corporation that conducts e-commerce, and the deposit is automatically generated by the start-up stock owned by the customer even without the customer's deposit (reverse deposit), and interest on the generated reverse deposit is incurred. (Reverse interest), even if the balance is terminated or the balance is zero, there is a difference that the balance is continuously generated by the dividend of profits from the start-up stock, allowing natural revolving deposits (reverse rotating deposits).

Thus, reverse deposits are characterized by allowing producers to naturally expand from secondary to tertiary industries (financial services).

10 is a diagram showing the difference between cyber loans and reverse loans of domestic and foreign financial institutions.

Cyber loans being implemented in domestic and foreign financial institutions,

If the subject becomes a financial institution, needs a creditor's credit rating, receives interest on the loan, and the loan balance is zero, the automatic revolving loan is no longer possible, there is a loan maturity, While the lending branch requires a certain amount of time to review the above documents, the automatic change of the lender is impossible, and a branch office network must be established.

Reverse loan generated by the founding stock of the present invention,

The subject becomes a producer who conducts e-commerce, the loan is made without a creditor's credit rating, there is no interest on the loan, the loan balance is automatically created over time, there is no concept of maturity, There is no need to have the necessary documents, it is possible to loan in real time, the change of the lender is also made in real time, there is a big difference in performing 100% cyber transactions without establishing a branch.

11 is a diagram showing the difference between Internet insurance and reverse insurance of domestic and foreign financial institutions.

Internet insurance requires that the insurance company is the main agent, the consumer pays the premiums directly, and the new insurance must be purchased separately at the time of termination or expiration.

In reverse insurance, the producer becomes the principal, and returns some of the profits of the producer to the consumer, freeing the consumer's premium (free premium), enabling automatic free additional premium insurance (reverse insurance creation), There is a difference in that e-commerce compatible payment is possible.

Personalized insurance services are supported for all of these insurances.

12 is a diagram showing the difference between an electronic money (e-MONEY) and an inverse currency (r-MONEY), in which the reverse currency is generated by a start-up stock as described above and is generated by a start-up consumer. It refers to a currency that has value and describes the difference between electronic money and reverse currency.

In the case of electronic money,

The subject is the issuing agency, no credit creation, no balance generation function,

Inverse currency according to the present invention,

A producer, a corporation, is the main agent, and there is a reverse interest effect in which interest is generated without a consumer accumulating cash, and a function of creating a reverse balance in which a balance is generated even when the balance is zero.

The present invention shares the shares between producers and consumers to substantially transform the ownership and management of the stock company into reverse ownership and reverse management of consumerism. In the above, reverse ownership means that when a consumer purchases a product or service of a stock company that is a producer in a cyber market or a general commerce market, the consumer pays a certain amount of the purchase amount and stocks having the face value to the consumer, Reverse management means that the company is created as reverse capital (r-CAPITAL, where r is an abbreviation of reverse) that provides additional capital to the stock company by the purchase act, and is provided with stocks of the stock company. This means that a business owner (e ^H -consumer) who becomes the owner of the company will participate in the management of the corporation through cyber as a shareholder.

A start-up consumer refers to a consumer who owns a start-up stock of a joint stock company by purchasing and acts as a consumer.

Shares paid to start-up consumers (start-up stocks) allow producers to provide consumers with REAL TIME cyber reverse loans (r-LOAN) through cyber reverse credit (r-CREDIT). In addition, this paper presents an inverse financial model that transforms consumer finance centered on financial institutions into producer-centered finance. In addition, the above stocks are allocated a surplus to start-up consumers, and as time passes, the stock price of the start-up consumer can be refunded to create the effect of free price. to provide.

The invention through any effect of the above revolutionary e creation by giving it a role through the financial mechanism of financial engineering for start-up digital consumer manufacturing producers in connection with e-commerce ^H - Business (e ^H -business) Station business (r In addition to pioneering a new cyber world of BUSINESS, the digital reverse banking management model also includes the inherent role of the financial industry, which is the producer of services and products, which are secondary industries. Enable financial consolidation

The present invention can be variously changed by those skilled in the art without departing from the gist of the present invention claimed in the claims is not limited to the specific preferred embodiment described above. .

Claims (12)

In the e-commerce system, A web page that introduces the goods and services of the producer is constructed, and when a plurality of consumers wish to purchase the goods and services, an electronic payment means for performing an electronic payment for the goods and services, a plurality of stores storing the information of the consumers Database, a database engine that operates a plurality of databases, a communication means for transmitting the contents of the database to the outside through a network communication network when a request for outputting data is requested, and a consumer's financial institution account if the consumer desires A plurality of producer e-commerce support server computers having an automatic transfer means for automatically depositing a predetermined amount of the amount paid for the purchase price; And A plurality of servers connected to the server computer through a network communication network, can apply for the purchase of goods and services to the server, input personal information for membership registration, and retrieve the information of consumers stored in a database. Client computers, When the consumer purchases goods and services, the database engine determines whether the consumer can receive a predetermined number of shares of the producer corporation, and if the consumer can receive the stock, The group is classified as a start-up consumer, and when a consumer purchases a producer's goods and services, the producer provides the start-up consumer with ownership of a start-up stock at a face value of the consumer price, and the start-up stock The insurance is provided free of charge to the founding consumer within the limit of the accumulated amount, and a certain amount, insurance information, and personal information among the number of founding stocks, products and services purchased to the founding consumer are stored in a database, and the consumer pre-specifies General consumer when the number of registered business owners is exceeded Classified into the group, the general consumer group purchase information and personal information is stored in the general consumer database, The automatic debit means, when the founding consumer applies for depositing a certain amount provided by the producer to the account of the founding consumer's own trading financial institution, performs the automatic transfer using a network communication network, the contents transferred automatically, The insurance content of the consumer is automatically updated in the database of the founding consumer by the database engine reverse financial and reverse business model system in electronic commerce. The method of claim 1, wherein the database engine, A consumer classification module for classifying whether the consumer is a start-up consumer or a general consumer when a consumer purchases goods and services of a producer; If the consumer is a start-up consumer, the stock is paid at a par value of the purchased amount, and the face value and the reserve amount of the stock are calculated from the amount purchased by the start-up consumer to earn the amount, and provided to the customer in the case of the general consumer. Accumulation calculation module for calculating the mileage score to be; And DB update module for inserting, modifying, and deleting the data obtained from the consumer classification module and the reserve calculation module into the start-up consumer DB and the general consumer DB: Reverse financial and reverse business model system in electronic commerce characterized by having a control unit consisting of. In the e-commerce of a producer who is a joint stock company, (3-1) a step in which a producer establishes a stock company and establishes the number of founding stocks based on the basic capital and the number of shares issued when the e-commerce is executed; (3-2) a step in which a consumer who wishes to purchase accesses the producer e-commerce support server 1 through his connection means (S1); (3-3) selecting the purchase of goods and services of the producer in the e-commerce support server 1 (S2) and performing a member login when selecting the purchase (S3); (3-4) determining whether it is a start-up consumer or a general consumer after performing the login (S4); (3-5) In the case of a start-up consumer in the above step, if the start-up consumer purchases goods and services (S5), the producer, a stock company, gives the start-up consumer ownership of the start-up stock at a certain face value of the purchase amount, and Accumulating an amount corresponding to a par value, and acquiring insurance based on the accumulated amount (S6); (3-6) in the case of being classified as a general consumer in step (3-4), giving a mileage score to the general consumer (S13); (3-7) sending the goods and services purchased by the founding consumer and the general consumer to the founding consumer (S14); (3-8) storing the purchase history and start-up stock information of the founding consumer in a database (S15), and storing the purchase information and mileage information of the general consumer in a general consumer DB (S15); (3-9) in the case of not being a member in the login step (S3), registering as a member (S8) and determining whether the registered consumer exceeds the number of founding consumers (S9); (3-10) If it is classified as a start-up consumer in step (3-9), it is registered as a start-up consumer (S10), and the start-up consumer purchases goods and services of the start-up consumer (S5, S6, S14, S15) to perform; (3-11) If the registered consumer is classified as a general consumer beyond the number of start-up consumers (S11), the consumer is configured to register as a general consumer (S11) and perform the purchase of goods and services of the general consumer (S12, S13, S14, S15). Reverse financial and reverse management business model method in e-commerce. The method according to claim 3, wherein in the process (3-1), The number of start-up consumers is limited according to the predetermined number of start-up stocks, and only the predetermined number of start-up consumers is purchased on a first-come-first-served basis among consumers who purchase goods and services of producers from the producer's e-commerce site. Method of reverse finance and reverse management business model in electronic commerce. The method of claim 3, wherein in the process (3-5), A reverse financial and reverse management business model method in electronic commerce, characterized in that the founding consumer can participate in the management of the producer corporation by ownership of the founding consumer to the producer stock company generated by the founding stock paid to the founding consumer. The method according to claim 3, wherein in the process (3-5), And the producer shares the profit of the producer corporation with the founding consumer by paying the founding consumer a profit dividend for the founding stock paid to the founding consumer. The method according to claim 3, wherein in the process (3-5), Reverse banking and reverse management business model method in the electronic commerce characterized in that the credit of the founding consumer is created by the reserves accumulated to the founding consumer by the founding stock. 4. The insurance according to claim 3, wherein in the process (3-5), the insurance provided by the producer to the founding consumer by the founding stock, There is no burden of premiums of the founding consumer, and even if the founding consumer is a new insurance, free automatic additional new insurance is available insurance reverse financial and reverse management business model method. 8. The method of claim 7 wherein the producer provides interest to the start-up consumer for the deposit. 8. The method according to claim 7, wherein the founding consumer can be provided with no guarantees, no interest, and an indefinite loan under the credit of the founding consumer created by the founding stock. 8. The method of claim 7, wherein when the founding consumer applies for full transfer of the reserve provided by the producer to his or her bank account, the ownership of the founding stock continues to be attributed to the founding consumer. Reverse finance and reverse management business model method in electronic commerce, characterized in that the reserve is automatically calculated. The method according to any one of claims 3 to 11, wherein By the start-up shares issued by the producer, Inc., to create a credit to the start-up consumer, to accumulate reserves every time, to subscribe to insurance that does not bear the premium of the start-up consumer, provide interest on the accumulated amount, A method of reverse banking and reverse management business model in e-commerce, characterized in that loans are generated within the limit of reserves, and producers of secondary industries perform financial services of tertiary industries.