KR20090064259A - Operating system and method for margin reward type shopping mall - Google Patents

Abstract

An operating system and a method of a margin discrete type increasing a kindness shopping mall and the contentment of a client are provided to supply and purchase each product registered in an online shopping mall at an optimum price which does not include distribution margin. A shopping mall providing module(510) supplies a margin discrete type shopping mall to a terminal through internet. A cyber money management module(520) manages margin compensation money used as shopping subsidy when transaction of the product at a shopping mall. The cyber money management module manages the margin discrete type repaying a shopping mall, the used margin compensation money is managed with the shopping subsidy name. A settlement management module settles accounts with the margin compensation money and real money about the goods which buyer chooses. A goods management module(530) classifies the commodity information registered with the seller terminal according to about available of the margin compensation money.

Description

Operating system and method for margin reward type shopping mall}

The present invention allows the customers of a particular company to purchase various products registered in the online shopping mall at an unprecedented price with little distribution margin, thereby improving the satisfaction and loyalty of their customers and improve the activation of the online shopping mall The detective relates to the operating system of a shopping mall.

Today, the proliferation of personal computers (PCs) and the spread of the Internet have led to the popularization of Internet use. In recent years, the commercialization of 'Wireless Internet' (WiBro or WiMax), a wireless Internet service that provides high-speed Internet access even during stationary or low-speed travel at an ADSL level of quality and cost, has helped to widen the range of use of the Internet. In other words, the virtual world implemented on-line becomes a huge sea of information that can easily and quickly share a variety of information anytime, anywhere.

Therefore, electronic commerce is becoming more common due to the expansion of information and communication networks and the development of communication technology. Therefore, there is no need for buyers to visit the store directly. As it reaches the stabilization stage, it is becoming a major means of purchasing goods. In particular, the online shopping mall, also known as an open market, is a virtual shopping mall that handles an item, and is one of the most representative forms of electronic commerce. In addition, there may be a club marketplace opened for the purpose of second-hand goods or joint purchases among members in an online club.

On the other hand, the operating system of the conventional shopping mall provides an opportunity to purchase a product at a lower price than the general selling price by giving various discount benefits to the shopping mall user. In the typical representative case, first, when a buyer purchases more than a certain amount of goods set in a shopping mall, there is a free shipping cost; and second, a distribution margin such as marketing cost is reduced to reduce the selling price of the product. There is something to offer more cheaply. In particular, the latter is a price policy mainly used by small businesses with weak marketing power or small trading volume. Third, the user accumulates a part of the amount of the product purchased in the shopping mall and then provides a cashback service, aka cashbag that returns it in the form of cash or mileage or coupon.

However, since the first method is an agreement on distribution margin between the shopping mall operator and the shipping company, the discount does not actually come to the buyer.

In addition, according to the second method, in the early stage of such a price discount policy, it contributed to the activation of e-commerce, but there is no distinction between shopping malls since it is a common method used by all shopping malls opened online. And, due to this, the buyers do not think that the discount price, but the original sale price is not as effective as discounting the situation.

In addition, the third conventional cashback service is a very small amount of 1 ~ 2% of the consumption amount, it can be said that there is not much discount to the buyer actually. In other words, if a consumer collects a reserve worth 1 to 20,000 won and shops at a point mall operated by the company, it may take many hours from several months to several years. Therefore, it is awkward to say that consumers are encouraged to continue to use the mall while taking these years. Therefore, such a cashback service is a marketing means for the shopping mall, and may not actually be seen as a product discount means for customers. In any case, in common with the existing online shopping malls, in some form or less, a certain amount of distribution margin is added to the price of the product, and consumers are encouraged to purchase it with a distribution margin attached. In addition, the manufacturer has set the manufacturer's shipping price after adding the appropriate margin to the product manufacturing cost, and shipped the product, and asked the seller to actively sell a lot after adding distribution margin. In particular, as product diversification and competition intensified, the balance of power has long since changed from a manufacturer-driven market to a distributor-centered market, especially in the case of small and medium-sized businesses, The fact is that it is not easy to meet consumers because the products are displayed in stores as they are disregarded by distributors. And even if distributors distribute products of small and medium-sized companies, they are not sold well, so they are sold with a lot of distribution margins, which makes them burdensome to buy as the products are set at high prices. As a result of the sluggish economy, small and medium-sized manufacturers are not able to sell their products, and there is a "binik-bin-boos phenomenon" where only famous brand products of large companies are sold in the market. After all, if someone offers their customers to buy at "manufacturers" without adding a distribution margin in the middle, they can create a strong value.

The present invention has been made in order to solve the above-mentioned problems, marginal reward type gratuitous gift voucher specified a certain amount provided for gratuitous proportional to the consumption amount of the customer in the online and offline alliance affiliated with the affiliated shopping mall If the buyer holds it and charges it with cyber money in the margin reward type shopping mall operated on the merchant's homepage, it does not take the profit of the margin reward type shopping mall, that is, intermediate distribution margin, but rather buys it as a shopping subsidy to the buyer. Providing an operating system and method for a marginally rewarded shopping mall that allows a buyer to use these shopping subsidies to purchase goods at an unprecedented price (eg, manufacturer's shipping price) in the form of a no-margin price rather than a regular consumer price. The purpose is. At this time, affiliated merchants do not accumulate 1-2% of the amount spent in the form of shopping subsidies provided to their customers, but provide large amounts of 20-30% of reserves by using intermediate distribution margin as a reward budget without a separate budget. The purpose is to make it possible.

In addition, as on- and off-line affiliated merchants offer products with no margins to their customers without taking distribution margins, manufacturers who register and sell products sell directly to consumers, even if they are sold at low prices at manufacturers' shipments. The purpose is to make it possible.

In addition, consumers have spent as much as they did before, and the goal is not to accumulate 1-2%, but to earn 20-30% of accumulated points so that they can purchase daily necessities or home appliances at exceptional prices. .

In addition, by providing a free shopping mall platform optimized for on-line and offline for-profit operators or organizations, the company provides a free shopping mall platform and high-quality merchandise without major investment, thus allowing customers to operate the free shopping mall platform. Its purpose is not only to make it possible, but also to make it possible to develop reward marketing to its customers or members without any budget, and to provide powerful reward services to consumers who use the merchant.

In order to achieve the above object, an operating system of a margin reward type shopping mall according to an aspect of the present invention includes a shopping mall providing module for providing a margin reward type shopping mall to a terminal; A cyber money management module that manages a margin compensation money used as a shopping subsidy when trading goods in the margin compensation type shopping mall; A payment management module that manages payment of the goods, and processes a part of the amount from the price of the goods as the margin compensation money; The product management module for managing the information of the product registered in the margin compensation type free shopping mall and the information of the member subscribed to the margin compensation type free shopping mall, the information of the product and the information of the margin reward money allocated to the member This is done by including a database.

In the above configuration, the cyber money management module issues a real money having the same value as the margin compensation money and cash as a cyber money exchange ticket using a single authentication code, and stores the cyber money exchange ticket in a database, When the authentication code received from the terminal matches the authentication code stored in the database, it is preferable to charge the margin reward money and the real money to the member as much as the cyber money exchange ticket.

In addition, the operating system of the margin compensation-type free shopping mall communicates with an affiliated member management terminal (eg, a member card management terminal, etc.) that inquires a member card of a reward provider company in a contact or non-contact manner, at the request of the affiliated terminal. The authentication code may be generated and returned to the affiliated store terminal.

In addition, the operating system of the margin compensation type free shopping mall is a shopping mall management server including the shopping mall providing module, the cyber money management module, the payment management module and the product management module; And the affiliated store terminal, wherein the affiliated store terminal (for example, a credit card terminal) may print and output the authentication code received from the shopping mall operation server.

In addition, the affiliated store terminal may be to determine the amount of at least one of the margin compensation money and the real money to transmit to the shopping mall management server, and to print and output the determined amount.

In addition, the affiliated store terminal may be to print and output the information received from the cash receipt processing server or payment server with the authentication code and the predetermined amount.

In addition, the shopping mall operation server is to charge the member with the margin compensation money and the real money by communicating with a membership card management server that manages membership cards provided to the customer in various organizations or companies for gratuity. Can be.

In addition, if the operating system of the margin compensation-type free shopping mall further comprises the membership card management server, the membership card management server based on the amount of information received from the merchant terminal and the margin reward money and the real money Can be generated.

In addition, the cyber money management module preferably accumulates a portion of the amount of the goods traded in the margin compensation type shopping mall as the margin compensation money.

In addition, the cyber money management module preferably uses a proportional earning method of earning the margin reward money in proportion to the amount of goods or a conditional earning method of earning the margin reward money differentially depending on the amount of goods.

In addition, the product management module preferably stores the information of the goods registered in the margin compensation type shopping mall according to the degree of availability of the margin compensation money to store in the database.

The margin compensation type shopping mall operating system may further include a purchaser rating setting module configured to set a rating of a buyer using the margin reward type shopping mall and store the information in the database. When a part of the price is treated as the margin compensation money, it is preferable to apply the degree of availability of the margin compensation money according to the grade of the buyer.

In addition, the cyber money management module, when earning a part of the amount of the goods traded in the margin compensation-type shopping mall with the margin compensation money, it is preferable to apply the amount earned according to the grade of the buyer.

In addition, it is preferable that the margin compensation type shopping mall operating system further includes a shopping mall generation server generating a shopping mall platform and providing the shopping mall providing module.

In addition, it is preferable that the operating system of the margin compensation type shopping mall further comprises a commodity interworking server to allow product information to be shared between the plurality of margin compensation type shopping malls implemented online by the shopping mall generation server. .

In addition, the cyber money exchange ticket may include the information of the free product free purchase ticket that allows the free purchase of a specific product of the merchandise sold in the margin compensation type shopping mall.

Margin compensation type shopping mall operating method according to another aspect of the present invention is a margin compensation type that sells goods online by a combination price system that is used with a real money having the same value as the cash and margin compensation money shopping subsidies In the shopping mall, the margin reward money to be paid to the member and the real money is issued as a cyber money exchange ticket using a single authentication code, and then storing the cyber money exchange ticket in a cyber money exchange ticket DB (a); (B) receiving an authentication code from a terminal accessing the margin compensation type shopping mall; Determining whether the authentication code input in the step (b) matches the authentication code stored in the cyber money exchange ticket DB (c) and the authentication code input in the step (b) is contained in the cyber money exchange ticket DB (D) charging the margin compensation money and the real money corresponding to the cyber money exchange ticket to the cyber money DB of the member subscribed to the margin compensation type free shopping mall if the authentication code matches. Is done.

In the above-described configuration, the margin compensation type shopping mall operating method further comprises the step (e) of generating the authentication code at the request of the merchant terminal to query the card in a contact or non-contact manner and returning to the merchant terminal; It can be done. At this time, it is preferable that the authentication code transmitted from the buyer terminal to the margin compensation type shopping mall is described in the cyber money exchange ticket printed by the affiliated store terminal.

In addition, the operating method of the margin compensation-type free shopping mall is the margin compensation money and the real to the member by communicating with a membership card management server that manages the membership card provided to the customer in a variety of organizations or companies for gratuity The method may further include the step (f) of charging the money.

In addition, the authentication code transmitted to the margin compensation type shopping mall by the buyer terminal may be included in the cyber money exchange ticket provided by the online merchant having a contract with the margin compensation type shopping mall.

In addition, the operating method of the margin compensation-type free shopping mall preferably further comprises (g) accumulating a part of the amount of the product traded in the margin-compensated free shopping mall as the margin compensation money.

In addition, the step (g) is preferably performed by a proportional earning method of earning the margin compensation money in proportion to the commodity amount or a conditional earning method of earning the margin reward money differentially according to the commodity amount.

In addition, the operating method of the margin compensation-type free shopping mall is further comprises the step (h) of setting the grade of the buyer using the margin-compensated free shopping mall and storing in the buyer grade DB of the margin-compensated free shopping mall, In the case where a part of the price of the product is treated as the margin compensation money, it is preferable to apply the degree of availability of the margin compensation money according to the grade of the buyer.

In addition, the step (g) is preferably performed by differentially applying the accumulated amount of the margin compensation money according to the grade of the buyer.

In addition, the amount of the goods paid by the margin compensation money is preferably the total margin of distribution of the margin compensation type shopping mall.

Margin compensation type shopping mall operating method according to another aspect of the present invention is a margin compensation that sells goods online by a mixed price system that is used with a real money having the same value as the cash and margin compensation money of shopping subsidies In the shopping mall, providing an authentication code to the merchant terminal for querying the card in a contact or contactless manner; And charging the member with the margin compensation money and the real money by the authentication code received from the purchaser terminal.

Wherein the merchant terminal prints and outputs a cyber money exchange ticket including the real money, the margin compensation money, the address of the margin compensation type shopping mall, and the authentication code received from the margin compensation type shopping mall. It is preferable.

In addition, the cyber money exchange ticket is preferably printed and output together with the information transmitted to the merchant terminal cash receipt processing server or payment server.

According to the operating system and method of the marginal reward type shopping mall of the present invention, the buyer does not receive 1-2% of the consumption amount from the online and offline merchants in agreement with the marginal reward type shopping mall, a large amount of 20-30% After earning it in the form of a gift voucher, it is possible to charge the margin compensation money and real money in the free shopping mall by using the cyber money exchange voucher. have. In addition, the buyer can receive a certain portion of the amount of the product he bought additionally bargain using this, there is an effect that can purchase the product at a price that can not be compared with the conventional cashback service.

In addition, on- and off-line merchants who want to provide reward services can operate free shopping malls by renting free shopping mall platforms and competitive products free of charge, and use the distribution margin of the products as a reward budget. Even without the budget, points are bought in 20-30% instead of 1-2%, so customers will earn a lot of points. Thus, as customer satisfaction and loyalty are further increased, powerful marketing effects can be created without a separate budget, which can result in explosive sales growth.

In addition, a manufacturer who registers and sells a product can register a product in a margin-compensated shopping mall without compromising the consumer price and assessing that it sells a lot of products to intermediate distributors. It is very easy and convenient to partner with many online and offline merchants (eg gas stations, pizza chain headquarters, beauty chain headquarters, online paid sites). Thus, as the product of the manufacturer can be sold and promoted, it is possible to easily solve the trouble of promoting and selling the product of the manufacturer.

In addition, if a platform provider of a marginally rewarded shopping mall connects the platform of a marginally rewarded shopping mall to a number of on- and off-line merchants in the form of ASP, the service provider's homepage will be linked with a number of competitive products. In order to increase sales and customer satisfaction, it is possible to offer free gift certificates to its customers by developing strong marketing without taking distribution margins granted to shopping malls. Therefore, as consumers automatically access online to use the free gift vouchers granted by the relevant margin reward type shopping malls and shop after signing up, the platform provider attracts the consumer members without additional marketing activities and rents the platform. You can earn huge profits by receiving a fee or by collecting a small transaction fee to the product registrant. That is, the platform provider will automatically solve the marketing worries that make it easy for consumers to come to the shopping mall without investing a separate marketing cost by cooperating with on- and off-line franchisees with strong marketing power.

In addition, according to the operating system and method of the margin compensation type shopping mall according to the present invention, offline merchants may print the cyber money exchange ticket in various forms desired by the customer, that is, a credit card transaction statement or a cash receipt. You can also give them something that is made. In addition, when the customer has a membership card, instead of directly issuing a cyber money exchange ticket, it is possible to charge a margin reward money and real money directly into the customer's account. In other words, offline merchants have the convenience of not having to give a cyber money exchange ticket to a customer who has a membership card, and customers also have a credit code automatically charged to their account even if they do not register a verification code. Has the advantage of being.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the operating system and method of the margin compensation type shopping mall according to a preferred embodiment of the present invention.

1 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to an exemplary embodiment of the present invention.

As shown in Figure 1, the margin compensation type shopping mall operating system according to the present invention is to provide a shopping subsidy to the buyer, that is, the shopping mall operating server 500 and its database 600 operated in the form of margin compensation, The payment server 700 is operated by a credit card company to interlock with the shopping mall operation server 500, for example, the Internet 400 connecting various terminals and the shopping mall operation server 500, the shopping mall operation server Operator terminal 100 for operating the 500, the seller terminal 200 for registering the product information in the shopping mall operating server 500 and the buyer terminal 300 for purchasing goods through the shopping mall operating server 500 It can be done by.

In addition, although not shown, the operating system of the margin compensation type shopping mall according to the present invention may further include various support servers required for the operation of the shopping mall operating server 500 in addition to the payment server 700. The tax invoice processing server implemented to send and receive tax invoices in accordance with the commodity transactions generated on the shopping mall online through the Internet; SMS (short message service) server; FTP (file transfer protocol) server; PKI (public key infrastructure) and the like is implemented by the authentication server to authenticate the buyer's credit information for payment processing of goods purchase; Mail server; A log counter server for providing a function of countering the number of terminals connected to a shopping mall to the shopping mall operation server 500 to be reflected in the operation of the shopping mall, and a delivery management server for managing overall shipping details of products sold on the shopping mall. 780 may be included. In addition, the payment server 700 processes the payment according to the transaction of goods generated on the shopping mall, in particular, the buyer keeps the money to a trusted third party, such as a bank and deposits the goods to the seller account when the delivery is completed normally If you do not receive it or return it, you may have an ESCROW service implemented by your financial institution.

In the above-described configuration, the Internet 400 is a network of networks connecting wired / wireless computer networks based on a communication protocol called TCP / IP (Transmission Control Protocol / Internet Protocol), which is spread throughout the world as is well known. It should be interpreted as a network. Here, the wireless access method to the Internet 400 is based on a platform such as WAP (Wireless Application Protocol) or WIPI and wireless Internet access through a mobile communication network or through a public wireless LAN and an access point. For example, there may be a wireless Internet service called WiBro (WiBro), a portable Internet service that provides high-speed Internet access even during stationary or slow travel at ADSL quality and cost.

Next, the terminal (100, 200, 300) can be thought of a personal computer (PC) or a laptop that is connected to the Internet 400 by wire / wireless, but the mobile communication can be connected to the Internet 400 wirelessly and mobile communication It should be interpreted as a concept including a terminal.

Next, the database 600 is a margin compensation type shopping mall, that is, a member DB (610) that stores credit information of members (buyers and sellers) subscribed to the shopping mall operation server 500, margin compensation type thank you by the seller Commodity DB (620) that stores the product information registered in the shopping mall, buyer compensation DB (630) is stored based on the degree of use or the amount of purchase of the margin compensation type free shopping mall, margin compensation type shopping mall and affiliated Cyber Money Exchange DB (640) that stores information such as authentication code, margin reward money amount and real money amount distributed by online and offline affiliated stores. The margin compensation money DB (650) in which the information of the margin compensation money allocated to each member is stored, and the real money in which the information of the real money assigned to each member is stored. DB 660 and margin compensation type payment history processed by the payment server 700 by the product transaction in the shopping mall, for example, the payment history is stored payment history, the payment history received from the buyer, etc. DB 670 may be included.

Here, the cyber money defined in the present invention is divided into a margin compensation money and a real money. Specifically, the margin compensation money is paid to customers in the online and offline merchants as a shopping subsidy, and the margin rewarded free shopping mall operators (e.g., online and offline merchants) are marginally less than free or par value. Buyers who receive an amount of money (eg 1% of face value) but receive it in the form of a gift voucher can use it as cash at the face value when purchasing a product at a marginally rewarded shopping mall. However, each product has a usage restriction that can be used only for the amount corresponding to the distribution margin.

In addition, real money is a cyber money with the same concept as cash, and in particular, a margin reward type shopping mall operator gives cash to its customers at the same amount as it is, and when a product is purchased at a margin reward type shopping mall It can be used without limiting the amount depending on the amount held by the buyer in the part that the buyer pays in cash. Real Money utilizes the budget it is saving to its customers with existing rewards.

That is, in the margin compensation type shopping mall of the present invention, all products are basically sold online by a mixed price system in which a margin reward money and a real money are used together, and thus, a buyer is a new reward different from the existing one. You will be served. For example, a margin compensation type at a gas station that has already earned 1% as a reward service by arranging a budget for customers, and 31% of the amount spent when newly providing a reward service in cooperation with a shopping mall service provider Without the existing budget can be given a large amount of cyber money to consumers. In other words, if one cyber money authentication code provided in the form of a gift voucher purchased by a customer is registered in the margin reward type shopping mall, a 30% margin reward money and 1% real money that can be paid when purchasing a product online are It will be charged automatically. At this point, 1% of real money will be provided to customers on the existing budget. In addition, the 30% Margin Reward Money is provided to additional customers.Rewards providers do not have to pay a separate budget because distribution margins between the “Manufacturer Price” and “End Consumer” are used as the Reward Budget. It will be able to provide customers with a large amount of margin compensation money. Thus, customers who have received cyber money pay as much as the margin margin of the specific product they want to purchase (e.g. 40%) with the margin compensation money first, and then pay the real purchase price (e.g. 60%) of the member's purchase price. If you do not have such a real money and pay the manufacturer's factory price by cash or credit card will be able to purchase goods at an exceptional price.

Here, the available amount of the margin compensation money is limited to the difference between the "factory price" and the "consumer's price", so the discount function is used. If it is held by the product is preferably configured so that there is no restriction on use when purchasing the product.

Next, the shopping mall operation server 500 provides a shopping mall providing module 510, a cyber money management module 520, a product management module 530, and a margin compensation to provide a terminal to the terminal through the Internet 400. The criminal may include a purchaser grade setting module 540 and a payment management module 550 that set the grade of the buyer based on the degree of use of the shopping mall or the amount of purchase and store it in the buyer grade DB 630.

Specifically, the cyber money management module 520 issues a margin reward money and real money to be paid to the member as a cyber money exchange ticket using a single authentication code, and then issues the cyber money exchange ticket to the cyber money exchange ticket DB 520. To save.

In addition, the cyber money management module 520 performs a function of exchanging a cyber money exchange ticket that a buyer receives at an online & offline merchant into a cyber money that can be used online. More specifically, the cyber money management module 520 performs an exchange ticket authentication procedure for checking whether the authentication code of the cyber money exchange ticket inputted through the purchaser terminal 300 is included in the cyber money exchange ticket DB 640, As a result, if the buyer's exchange voucher is issued by the Margin Compensation Free Shopping Mall, the buyer is charged with the margin compensation money and the real money. Thus, the buyer's cyber money history information is updated in the margin compensation money DB 650 and the real money DB 660.

Here, the cyber money exchange ticket may be classified as shown in Table 1 below, and may be modified in any form as long as it is suitable for the cyber money defined in the present invention.

division Ticket amount Charge amount value Gift Certificate Purchase Conditions Promotional gift certificates \ 100,000 Margin reward money: 100,000 won Real money: 0 won \ 5,000 (5% face value) Free gift certificates \ 100,000 Margin reward money: 100,000 won Real money: KRW 150,000 \ 20,000 (20% face value) Gold gift certificate \ 100,000 Margin reward money: 200,000 won Real money: 100,000 won \ 100,000 (100% face value)

In other words, the online and offline merchants are provided with the cyber exchange ticket from the operator of the Margin Compensation-Free Shopping Mall according to the above-mentioned gift card purchase conditions. For example, the promotional gift certificate is for promotion to their general customers and the gift voucher is for the VIP customers. Gold vouchers can be provided for gratitude to their customers or group customers. Here, the on-offline merchants and the margin compensation type shopping mall are preferably operated by the same operator. For example, if an offline merchant is a gas station operator, the Margin Compensation Shopping Mall provides online goods to manufacturers at gas stations operated by the company. In other words, a gas station is a profit model, and a shopping mall is a so-called gratitude model that is provided as an audit of customers.

In addition, the cyber money management module 520 performs a function of earning a portion of the amount of goods purchased by the buyer in the margin compensation type shopping mall as a margin compensation money. Thus, the buyer's cyber money history information is updated in the margin compensation money DB 650 and the real money DB 660. For example, the cyber money management module 520 earns a margin compensation money differentially according to a proportional accumulation method or a product amount that accumulates 10-20% of the product amount as a margin reward, for example, a product worth 100,000 won Margin reward money can be paid to the user in a conditional earning method of earning a margin reward money of 2.50,000 won when purchasing and 200,000 won worth of goods. Here, the cyber money management module 520 may differentially apply the accumulated amount according to the purchaser's grade of the corresponding buyer when earning the margin compensation money. For example, in addition to the tier, the other condition is that the first tier member will earn 10% more of the prize price and the second tier member will receive 5% more.

Next, the product management module 530 classifies the product information registered by the seller terminal 200 according to the degree of availability of the margin compensation money and stores the information in the product DB 620, accordingly Product classification may be as shown in Table 2 below, if the cyber money defined in the present invention is applied to payment of goods will be able to be modified in any form.

Product division Margin Compensation Money Usability Kinds Mall Margin The details Free merchandise 100% 3 species 0% Free gifts, giveaways, etc. Planning product 60% 10 species 5% Planned products, sponsored products, dumping products, etc. Special offer 50% 30-50 species 5% Factory price product of affiliate Ticket deals 50% 20 species 5% Musicals, plays, concerts, etc. Paid content 50% 30 species 5% Movies, music, ringtones, etc. General merchandise 5% 50 species 15% (existing discount rate) -

Here, all of the products may be purchased as a cyber money exchange ticket provided by the online merchants to their customers by the agreement between the marginal reward type shopping mall and the online merchants. On the other hand, Figure 2 is a screen that introduces the product price offered to the buyer terminal 300 in the margin compensation type shopping mall according to the present invention, the 'e-cache member price' is applied to the margin compensation money, that is, the distribution of the shopping mall It can be seen that the manufacturer is excluded from the margin. And if you have real money earned from merchants, your regular customers who have membership card in 'Use e-Money' can use it like cash, so buyers can purchase with less cash.

Next, the payment management module 550 pays the margin compensation money and the real money for the product selected by the buyer, and performs the function of processing the remaining balance in connection with the payment server 700. Here, the payment of the balance will be an online payment method using a credit card, mobile phone or bank transfer. More specifically, the payment management module 550 checks the margin compensation money availability degree for the product selected by the purchaser terminal 300, and the payment processing by the real money or online payment method for the part that cannot be paid by the margin compensation money. It is. At this time, the payment management module 550 may differentially apply the degree of availability of the margin compensation money according to the buyer grade.

On the other hand, the present applicant has proposed a registered Patent No. 776715, "Integrated management system and method (hereinafter referred to as the invention) of the PCC shopping mall platform".

The gist of the invention is that, "Any types of shopping mall platforms are provided free of charge (rented) to various companies and organizations (e.g. S University Alumni Association, Textile Industry Association) in the form of ASP. By managing and sharing product information among multiple shopping malls that are integrated and managed, a competitive shopping mall can be easily established. Also, a number of mini shopping mall managers can jointly develop competitive product sourcing not only by a specific shopping mall operator. , The marketing of the product is natural and widespread, and ultimately, the product is smoothly sold. "The detailed description is replaced by the publication.

That is, a company or an organization rents a shopping mall platform from a shopping mall platform provider in the form of an ASP, etc., and implements the shopping mall in a margin compensation form according to the present invention by implementing the corresponding server, that is, the shopping mall operating server 500. In addition, the margin compensation type shopping malls implemented in this way can provide more diverse and competitive products to the corresponding customers by sharing product information registered to them.

Therefore, the operating system of the margin compensation type grateful shopping mall according to the present invention generates a shopping mall platform and provides it to the shopping mall providing module 510 of the shopping mall operating server 500, and the online shopping system by the shopping mall creating server. It is preferable that the plurality of margin compensation type implemented implements further comprises a product interworking server to share product information between shopping malls.

In addition, as described above, since the cyber money exchange ticket is provided for the purpose of auditing customers, it is preferable to use the margin compensation-type free shopping mall opened by the company or organization, but cannot use it elsewhere. For example, product information may be shared between the SK gas station server and the S oil gas station server by the shopping mall platform provider, but it is reasonable that the cyber money exchange ticket is not shared because the two are in a competition relationship. Therefore, it is preferable that the cyber money exchange voucher describes the available amount, the available homepage address and the unique cyber money authentication code for each issuer of the cyber money exchange voucher.

3 is a conceptual diagram illustrating a process in which a cyber money exchange ticket is used in an operating system of a margin compensation type shopping mall according to the present invention.

As shown in FIG. 3, first, the buyer 20 visits the offline affiliated store 10 to purchase an arbitrary product. Then, the offline merchant 10 is provided to the buyer 20 for the promotion or gratuity for the cyber money exchange ticket, wherein the buyer 20 is listed in Table 1 above depending on whether the buyer is a VIP customer of the merchant or the transaction amount It is to pay any one of the gift certificates to the buyer (20). Here, in the cyber money exchange ticket, a margin compensation type shopping mall homepage address, authentication code, and detailed usage method are described. Thereafter, the buyer 20 registers the paid cyber money exchange ticket in the margin compensation type shopping mall 30 to charge the margin reward money and real money, and pays the online goods at a discounted price using the shipping company (40). ) Will receive your purchase.

4 to 5 are flowcharts for describing a method of operating a margin compensation type shopping mall according to an embodiment of the present invention. Specifically, FIG. 4 is a cyber money exchange right in an operating system of a margin compensation type shopping mall according to the present invention. 5 is a flowchart illustrating a process of registering a shopping mall operation server, and FIG. 5 is a flowchart illustrating a process of purchasing a product in an operating system of a margin compensation type shopping mall according to the present invention.

Referring to FIG. 4, first, in step S11, the purchaser terminal 300 connects to the shopping mall management server 500. In step S13, the shopping mall management server 500 transfers the margin compensation type shopping mall to the purchaser terminal 300. Will be provided.

Then, in step S15, the purchaser terminal 300 logs in to the shopping mall operation server 500 using the member ID and password input by the user, and then the user requests registration of the cyber money exchange ticket provided by the offline affiliated store. Accordingly, when the shopping mall operation server 500 requests the purchaser terminal 300 to the purchaser terminal 300 by the cyber money management module 520 in step S17, the purchaser terminal 300 receives the authentication code described in the exchange ticket in step S19. The shopping mall operation server 500 will reply.

Subsequently, in step S21, the shopping mall operating server 500 performs the authentication procedure of the authentication code by the cyber money management module 520, and as a result, if the exchange ticket owned by the buyer is issued by the marginal reward type shopping mall, step S23. Proceed to, the buyer will be charged for the margin and real money. In addition, the cyber money management module 520 deletes the exchange ticket information used in the cyber money exchange ticket DB 640 to prevent double and triple use of the same exchange ticket. In addition, in performing step S23, the shopping mall operation server 500 accesses the purchaser grade DB 630 by the cyber money management module 520 and checks the purchaser grade of the corresponding member logged in. Then, depending on the confirmed purchaser rating, the cyber money, preferably the charging of the margin compensation money, can be applied differentially. For example, the cyber money management module 520 charges a margin reward money in response to a cyber money exchange ticket, but in the case of a first-class buyer, it charges 1,000 won more along with the face value (margin compensation money) described on the exchange ticket, and rank 2 If you are a buyer, you can charge 500 won more.

Next, referring to FIG. 5, in step S61, the purchaser terminal 300 connects to the shopping mall management server 500. In step S63, the shopping mall management server 500 uses the margin compensation type shopping mall to purchase the purchaser terminal 300. Will be provided.

Then, in operation S65, the purchaser terminal 300 logs in to the shopping mall operating server 500 and searches for the product desired by the user in conjunction with the shopping mall providing module 510 of the shopping mall operating server 500. At this time, when the purchaser terminal 300 selects a random product by the user in step S67, the shopping mall management server 500 accesses the purchaser rating DB 630 by the shopping mall providing module 510 in step S69. The buyer class of the member.

Then, in step S71 the shopping mall operating server 500 guides the general sales price and the margin compensation price corresponding to the buyer grade identified in step S69 for the product selected in step S67 and inquires how to pay. . That is, the shopping mall providing module 510 differentially guides the margin compensators according to the purchaser rating. For example, a 1st class buyer may apply a 50% margin payment amount, while a 2nd class buyer may apply a 40% rate. On the other hand, the shopping mall providing module 510 may guide all buyers equal margin compensation regardless of the grade.

Accordingly, in step S75, the buyer terminal 300 selects a margin compensator among payment methods provided by the shopping mall management server 500, and then, in step S77, a payment ratio between the margin compensation money and the real money is selected. In this case, the purchaser will generally use the maximum margin compensation money possible.

Then, in step S79 the shopping mall management server 500 checks the cyber money details of the member by the payment management module 550, that is, the margin compensation money DB (650) and the real money DB (660), the cyber of the member Use the money to process product payments. Next, after checking the remaining balance in step S81, the shopping mall management server 500 proceeds to step S83 to request payment for the balance.

Accordingly, when the buyer terminal 300 returns the buyer's payment information, such as encrypted credit card information, to the shopping mall operating server 500 in step S85, the shopping mall operating server 500 sends the payment management module (S87). 550 is linked to the payment server 700 to process the payment of the buyer.

In operation S89, the shopping mall operation server 500 may store the margin compensation money corresponding to the amount paid by the buyer to the corresponding buyer.

6 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to another exemplary embodiment of the present invention.

As shown in FIG. 6, the operating system of the marginal reward type shopping mall according to an additional aspect of the present invention is installed in an offline affiliated store affiliated with a marginal reward type shopping mall to contact or contact a credit card or a check card. Merchant terminal (800) aka to look up, credit authorization terminal (CAT), credit information of the user received from the merchant terminal 800, such as credit card number, social security number or mobile phone number based on receipt processing Payment information received from the National Tax Service server 900 and the merchant terminal 800, for example, a credit card company server 920 and a merchant terminal that process payment for services and goods purchased at an offline merchant based on a credit card number and a payment price. 800 is a shopping mall operating server 500, including the National Tax Service server (900) and For a credit card company server 920 and a value added network to communicate (value added network; VAN) it can comprise further (410). Here, the IRS server 900 is a server operated and managed by the IRS or its agency. In addition, the value-added communication network 410 should be interpreted as a concept included in the Internet 400, as is well known, any communication service provider borrows a communication line from an operator that owns a line, such as Korea Telecom, and constructs an independent communication network. , It adds some value to it.

In the above-described configuration, the affiliated store terminal 800 is specifically, a terminal device that is used online at a merchant to connect to a server of a credit card issuing company to check a credit card usage limit, inquire about an accident or invalidity of a card, or process a purchase. In addition, in recent years, in addition to the above-mentioned functions, the credit card company is also referred to as a credit application terminal (CAT) as a terminal device that receives additional services such as business analysis of the merchant in response to the request of the merchant.

Further, according to a characteristic aspect of the present invention, the affiliated store terminal 800 issues a cyber money exchange ticket to a buyer who purchases a product at the affiliated store in association with the shopping mall operation server 500. In particular, the merchant terminal 800 preferably prints the cyber money exchange ticket on the transaction statement including the cash receipt approval history or the credit card usage history and outputs it to the buyer. That is, the offline merchant may print and provide a cyber money exchange ticket on the transaction statement by the merchant terminal 800, or may provide a pre-produced cyber money exchange ticket to the customer for gratitude.

Referring to the operation method of the margin compensation type shopping mall according to such an additional aspect of the present invention.

For example, when a buyer requests payment by his or her credit card, the merchant terminal 800 sends the credit card company server 920 with the amount of information input by the merchant manager and the card information by the inquiry of the credit card. Request payment processing. Then, the credit card company server 920 will return a payment processing notification message including an approval number (approval No.) to the merchant terminal (800).

Then, the merchant terminal 800 is to send the information of the cyber money or payment amount to the shopping mall operating server 500 by the merchant manager, this shopping mall operating server 500 is cyber with the authentication code or this authentication code It is to return the money information.

Then, the merchant terminal 800 prints the transaction statement based on the message received from the credit card company server 920, while, for example, the cyber including the cyber money, the authentication code and the shopping mall address at the bottom of the transaction statement. Print the money voucher and print it out to the buyer.

As another example, when a buyer requests a cash receipt while purchasing goods in cash instead of a card, the merchant terminal 800 sends the buyer's credit information, which is input by the merchant manager, to the IRS server 900 to receive the cash receipt. Will request processing. Then, the IRS server 900 will reply to the merchant terminal 800 the cash receipt approval message including the approval number. The following procedure is the same as the above example.

As another example, the merchant terminal 800 needs to communicate with the IRS server 900 or the credit card company server 920, such as the purchaser does not request processing of cash receipts or corresponds to a small payment (eg, less than 5000 won). If there is no, the merchant terminal 800 prints the shopping address of the cyber money shopping mall on the paper (that is, the transaction statement) together with the authentication code received from the shopping mall management server 500 to output to the buyer. Alternatively, the offline affiliated store may provide the buyer with a cyber money exchange ticket which is prepared in advance without using the affiliated store terminal 800.

Here, the setting of the cyber money may be performed in the affiliated store terminal 800 or the shopping mall operating server 500. In the electronic case, the shopping mall operating server 500 may be configured for the cyber money received from the affiliated store terminal 800. Generate the authentication code will be sent to the merchant terminal (800). In other words, according to an additional aspect of the present invention, the cyber money management module 520 generates an authentication code for the cyber money transferred from the affiliated store terminal 800 and returns the generated authentication code to the affiliated store terminal 800. Meanwhile, the cyber money exchange ticket is issued and stored in the cyber money exchange ticket DB 520. At this time, the merchant terminal 800 is provided separately in the terminal, for example, by the operation of the 'cyber money issuing key' or automatically, calculates the cyber money in proportion to the payment amount or calculates the cyber money differentially to the payment amount can do.

On the other hand, in the latter case, the shopping mall operation server 500 calculates the cyber money corresponding to the payment amount received from the merchant terminal 800 and transmits the corresponding authentication code to the merchant terminal 800 together with the calculated cyber money. do. At this time, according to an additional aspect of the present invention, the cyber money management module 520 calculates the cyber money in proportion to the payment amount or calculates the cyber money differentially to the payment amount, and generates an authentication code for the calculated cyber money. In addition, the cyber money is returned to the affiliated store terminal 800 along with the generated authentication code, and the cyber money exchange ticket is issued and stored in the cyber money exchange ticket DB 520.

7 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to another embodiment of the present invention.

As shown in Figure 7, according to an additional aspect of the present invention, the operating system of the Margin reward type shopping mall is a membership card management server for managing a membership card provided to the corresponding customers by various organizations or companies (930) ) May be further included. Further, according to an additional aspect of the present invention, the affiliated store terminal 800 searches for the membership card 10 and transmits the corresponding card information and the amount information input by the affiliated store manager to the membership card management server 930. Is to do more.

Therefore, the membership card management server 930 processes the payment with the real money already accumulated to the customer based on the card information received from the merchant terminal 800 or the amount of payment received from the merchant terminal 800. Part of the function is to earn a portion of the money to the customer in cyber money. Here, the earning method may be, for example, 30% of the payment amount may be a proportional earning type that earns 1% as a real reward or a conditional earning type that accumulates cyber money differentially according to the payment amount.

In addition, the membership card management server 930 is a shopping mall operation server 500 and the general matters regarding the cyber money so that the holder of the membership card can use the cyber money accumulated in their cards in the reward reward type shopping mall It is to perform the function of interlocking.

Referring to the operation method of the margin compensation type shopping mall according to such an additional aspect of the present invention.

The affiliated store terminal 800 queries the membership card 10 and sends the card information to the membership card management server 930. Then, the membership card management server 930 converts a certain portion of the payment amount into cyber money and updates the corresponding information in the margin compensation money DB 650 and the real money DB 660 of the corresponding customer.

Therefore, various groups or businesses are available in a margin compensation type shopping mall provided from an offline store or shopping mall operating server 500 affiliated with itself, that is, there is a benefit that can use cyber money on / offline The membership card 10 can be provided to the customer.

In addition, offline merchants have the convenience of not having to separately give the customer with a membership card (10) cyber money exchange ticket, customers also automatically registered in their own account without having to register the authentication code in the mall operating server (500) As a reserve has the advantage of being charged.

Meanwhile, in addition to cyber money, the cyber money exchange ticket and the cyber money exchange ticket DB 640 in which the information of the cyber money exchange ticket are stored are free of charge. 'Free purchase rights' may contain more information. That is, the free purchase right of the free gift, for example, is provided by the merchant when the buyer buys the expensive product at the online & offline merchant.

As an example for this, the merchant terminal 800 may automatically generate a free-purchase commodity purchased when the payment amount exceeds a predetermined value. Or, for example, separately provided in the terminal, it is also possible to generate a free product purchase ticket purchased by the operation of the 'free coupon issued key'. Then, the merchant terminal 800 transmits the generated free goods purchase information to the shopping mall administration server 500, and prints it on the transaction statement and outputs it.

As another example, when the payment amount received from the affiliated store terminal 800 exceeds a predetermined value, the shopping mall operation server 500 generates a free product free purchase ticket and generates the free product free purchase ticket information. While returning to the terminal 800, such a free money issuing a cyber money exchange ticket containing a free purchase right to store in the cyber money exchange ticket DB (520).

As another example, in an offline merchant, when a purchaser purchases an expensive product of a predetermined amount or more, the customer may provide a cyber money exchange voucher which is printed with information of a pre-produced and free merchandise purchase ticket.

In addition, according to an additional aspect of the present invention, when the membership card management server 930 converts a certain portion of the payment amount into cyber money, when the payment amount is more than a predetermined value, a free product purchase ticket is issued and Information may be stored in the member DB 610 of the customer.

The operating system and method of the margin compensation type shopping mall of the present invention is not limited to the above-described embodiments, and may be variously modified and implemented within the range allowed by the technical idea of the present invention.

1 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to an embodiment of the present invention;

2 is a conceptual diagram illustrating a product type registered in a margin compensation type shopping mall according to the present invention;

3 is a conceptual diagram illustrating a process of using a cyber money exchange ticket in an operating system of a margin compensation type shopping mall according to the present invention;

4 is a flowchart illustrating a process of registering a cyber money exchange ticket in a shopping mall operating server in an operating system of a margin compensation type shopping mall according to the present invention;

5 is a flowchart illustrating a process of making a product purchase in an operating system of a margin compensation type shopping mall according to the present invention;

6 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to another embodiment of the present invention.

7 is a diagram illustrating a network configuration of an operating system of a margin compensation type shopping mall according to another embodiment of the present invention.

*** Explanation of symbols for the main parts of the drawing ***

100: operator terminal 200: seller terminal

300: buyer terminal 400: Internet

410: value-added network

500: shopping mall operation server 510: shopping mall provision module

520: cyber money management module 530: product management module

540: purchaser rating setting module 550: payment management module

600: database 610: member DB

620: Product DB 630: Buyer Class DB

640: Cyber Money Exchange DB 650: Margin Reward Money DB

660: Real Money DB 670: Payment History DB

700: payment server 800: merchant terminal

910: IRS server 920: credit card company server

930: membership card management server

Claims (29)

A shopping mall providing module for providing a margin reward type shopping mall to a terminal; A cyber money management module that manages a margin compensation money used as a shopping subsidy when trading goods in the margin compensation type shopping mall; A payment management module that manages payment of the goods, and processes a part of the amount from the price of the goods as the margin compensation money; A product management module for managing information of a product registered in the margin reward type shopping mall; And a database storing the information of the members subscribed to the margin reward type shopping mall, the product information, and the information of the margin reward money allocated to the member. The method of claim 1, The cyber money management module issues a real money having the same value as the margin reward money and cash as a cyber money exchange ticket using a single authentication code, stores the cyber money exchange ticket in a database, and receives the authentication received from the terminal. When the code matches the authentication code stored in the database, the margin compensation type shopping mall operating system, characterized in that the member is charged the margin compensation money and the real money corresponding to the cyber money exchange ticket. . The method of claim 2, Communicate with merchant terminals that inquire the card in contact or contactless way, Operating system of the margin compensation type shopping mall, characterized in that for generating the authentication code in response to the request of the merchant terminal to return to the merchant terminal. The method of claim 3, wherein A shopping mall operation server including the shopping mall providing module, the cyber money management module, the payment management module, and the product management module; And Including the merchant terminal, The affiliated store terminal operating system of a margin reward type shopping mall, characterized in that for printing and outputting the authentication code received from the shopping mall management server. The method of claim 4, wherein The merchant terminal is a margin compensation type shopping mall operating system, characterized in that for determining the amount of at least one of the margin compensation money and the real money to the shopping mall operation server, and prints out the determined amount. The method of claim 5, The merchant terminal is a margin compensation type shopping mall operating system, characterized in that for printing the information received from the cash receipt processing server or payment server with the authentication code and the determined amount. The method of claim 6, The shopping mall operation server may charge the member with the margin compensation money and the real money by communicating with a membership card management server that manages a membership card provided to the customer by various organizations or companies. Margin compensation type thank you shopping mall operating system. The method of claim 7, wherein The membership card management server further comprises, The membership card management server is a margin compensation type shopping mall operating system, characterized in that for generating the margin compensation money and the real money based on the information received from the merchant terminal. The method according to any one of claims 2 to 8, The cyber money management module operating system of the margin compensation type shopping mall, characterized in that for earning a portion of the amount of goods traded in the margin compensation type shopping mall as the margin compensation money. The method of claim 9, The cyber money management module is a margin reward type shopping mall, which uses a proportional earning method for earning the margin reward money in proportion to the amount of goods or a conditional earning method for earning the margin reward money differentially according to the amount of goods. Operating system. The method of claim 10, The merchandise management module is configured to store the information of the goods registered in the margin compensation type shopping mall according to the degree of availability of the margin compensation money in the database. The method of claim 11, The margin compensation type is further made by including a buyer grade setting module for setting the grade of the buyer using the shopping mall to store in the database, When the payment management module processes a part of the price in the price of the product with the margin compensation money, the margin of compensation type shopping mall, characterized in that to apply the degree of availability of the margin compensation money according to the grade of the buyer Operating system. The method of claim 12, The cyber money management module, when earning a portion of the amount of the goods traded in the margin compensation-type free shopping mall, the margin compensation money, margin compensation-type free shopping mall, characterized in that to apply the accumulated amount according to the grade of the buyer Operating system. The method of claim 13, The operating system of the compensating shopping mall for the margin compensation type shopping mall further comprising a shopping mall generation server generating a shopping mall platform and providing the shopping mall providing module. The method of claim 14, Operating system of the margin compensation type shopping mall, characterized in that further comprising a commodity interlocking server so that the product information is shared between a plurality of the margin compensation type free shopping mall implemented on-line by the shopping mall generation server. The method of claim 15, The cyber money exchange ticket operating system of a margin reward type shopping mall, characterized in that the information on the free purchase right free gift that allows you to buy some of the products sold in the margin reward type free shopping mall. In the Margin Compensation type shopping mall where products are sold online by a margin price of shopping subsidies and a mixed price system where real money having the same value as cash is used together. Issuing the margin reward money and the real money to be paid to a member as a cyber money exchange ticket using a single authentication code, and then storing the cyber money exchange ticket in a cyber money exchange ticket DB (a); (B) receiving an authentication code from a purchaser terminal accessing the margin compensation type shopping mall; (C) determining whether the authentication code received in the step (b) matches the authentication code stored in the cyber money exchange ticket DB; If the authentication code input in the step (b) matches the authentication code recorded in the cyber money exchange ticket DB, as much as the cyber money exchange ticket corresponds to the cyber money DB of the member subscribed to the margin reward type shopping mall. And a step (d) of charging the margin compensation money and the real money. The method of claim 17, And (e) generating the authentication code at the request of the merchant terminal for inquiring a card in a contact or non-contact manner and returning the authentication code to the merchant terminal. The method of claim 18, The authentication code transmitted to the margin compensation type shopping mall by the buyer terminal is described in the cyber money exchange ticket printed by the merchant terminal. The method of claim 17, (F) recharging the margin reward money and the real money to the member by communicating with a membership card management server that manages a membership card provided to the customer by various organizations or companies for gratitude; Margin compensation type thank you characterized in that the operating method of the shopping mall. The method of claim 17, The authentication code transmitted by the buyer terminal to the margin reward type shopping mall is included in the cyber money exchange ticket provided by the online merchant in agreement with the margin reward type shopping mall. Way. The method according to any one of claims 18 to 21, And (g) accumulating a portion of the amount of the merchandise traded in the free shopping mall as the margin compensation money. The method of claim 22, The step (g) is performed by a proportional earning method of earning the margin reward money in proportion to the amount of goods or a conditional earning method of earning the margin reward money differentially according to the amount of goods. Thank you for operating the shopping mall. The method of claim 23, wherein The method further comprises the step (h) of setting the grade of the buyer using the margin-compensated free shopping mall and storing in the buyer-grade DB of the margin-compensated free shopping mall, In the case of processing a part of the price in the price of the product with the margin compensation money, the margin compensation type shopping mall operating method, characterized in that to apply the degree of availability of the margin compensation money according to the grade of the buyer. The method of claim 24, Wherein (g) step is performed by differentially applying the accumulated amount of the margin compensation money according to the grade of the buyer. The method of claim 25, The amount of the product is paid in the margin compensation money operating method of the margin compensation type shopping mall, characterized in that the total margin of distribution of the margin compensation type shopping mall. In the Margin Compensation type shopping mall where products are sold online by a margin price of shopping subsidies and a mixed price system where real money having the same value as cash is used together. Providing an authentication code to the merchant terminal for inquiring the card in a contact or contactless manner; And And a step of charging the margin reward money and the real money to a member by the authentication code received from a purchaser terminal. The method of claim 27, In the merchant terminal, And printing and outputting a cyber money exchange ticket including the real money, the margin compensation money, the address of the margin compensation type shopping mall, and the authentication code received from the margin compensation type shopping mall. Margin compensation type thank you how to operate the shopping mall. The method of claim 28, The cyber money exchange voucher is a cash reward processing server or payment server is printed and output along with the information sent to the affiliated terminal terminal operating method of the margin reward type shopping mall.

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