WO2001055811A2

WO2001055811A2 - System and method for managing a mileage-for-stock redemption service

Info

Publication number: WO2001055811A2
Application number: PCT/KR2000/000527
Authority: WO
Inventors: Seung-Chi Chung
Original assignee: Tgcorp
Priority date: 2000-01-25
Filing date: 2000-05-24
Publication date: 2001-08-02
Also published as: WO2001055811A3; JP2001209732A; KR20010000093A; AU2000246229A1

Abstract

Disclosed is a mileage-for-stock redemption service management system which comprises: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server receiving the IM of the user fromthe mileage issuing service provider server via wire or wireless communication means, and providing a mileage-for-stock redemption service including exchanges of the stocks using the received IM. The stock redemption service server comprises: a membership database storing information on the users who want to receive the stock held by the user, history of exchanging, buying, and selling of stocks by the user, the number of stocks and the number of stocks which can be exchanged, bought, or sold using the IM, and orders on buying and selling the stocks.

Description

SYSTEM AND METHOD FOR MANAGING A MILEAGE-FOR-STOCK

REDEMPTION SERVICE

BACKGROUND OF THE INVENTION

(a) Field of the Invention

The present invention relates to a system for providing a stock redemption service using mileage, and a method for managing a mileage-for- stock redemption service. More specifically, the present invention relates to a system and method for managing a mileage-for-stock redemption service for exchanging or selling and buying specific stocks registered in a database of a stock redemption service server using mileage provided on Internet sites.

(b) Description of the Related Art

When a member satisfies a predetermined mileage condition, conventional Internet sites provide a mileage premium to the member, and the member uses the saved mileage points to buy goods or to have cash refunded, and thereby the member is led to receive increased benefits from the corresponding Internet sites. In other cases, a plurality of service providers cooperate so that the mileage points which are saved from respective service providers are accumulated and the member can spend the accumulated mileage points at the desired cooperating service providers.

On the other hand, some of the web sites provide opportunities for registered members to receive or buy a predetermined amount of stocks for free or with some amount of money, or provide the stocks to the registered members by means of free gift events. However, since the opportunities to buy the stocks are limited to the registered members, and chances to win in free gift events are minimal, most users rarely receive the benefits. SUMMARY OF THE INVENTION

It is an object of the present invention to provide a system and method for managing a mileage-for-stock redemption service for exchanging mileage points with the stocks of the service providers registered in a mileage-for-stock redemption service, using the mileage points provided by the mileage issuing service providers or the mileage-for-stock redemption service providers.

In one aspect of the present invention, a system for managing a mileage-for-stock redemption service comprises: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user and storing information on the IM of the user and information on the user; and a stock redemption service server receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and providing a mileage-for-stock redemption service including exchanges of the stocks using the received IM.

The stock redemption service server comprises: a membership database storing information on the users who want to receive the stock redemption service; and a stock database storing information on the stock held by the user, the history of exchanging, buying, and selling stocks by the user, the number of stocks and the number of stocks which can be exchanged, bought, or sold using the IM, and orders on buying and selling the stocks.

In another aspect of the present invention, a mileage-for-stock redemption management system comprises: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server providing the mileage-for-stock redemption services of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using external mileage points (EM) issued by exchanging the IM.

The stock redemption service server comprises: a membership database storing information on the members who want to receive the mileage-for-stock redemption service; a mileage database storing the EM; and a stock database storing information on the stocks held by the users, including a history of the user's exchanging, buying, and selling of stocks, the number of stocks and the number of stocks which can be exchanged, bought, or sold using the EM, and orders on buying and selling the stocks. In still another aspect of the present invention, in a mileage-for-stock redemption service management method utilizing a mileage-for-stock redemption management system including a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user, and further including a stock redemption service server providing the mileage-for-stock redemption service of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using the received EM, a mileage-for- stock redemption service management method comprises the steps of: (a) registering the user as a member when receiving information from the user who had accessed the stock redemption service server; (b) the user requesting the mileage-for-stock redemption service including the user's information referring to the stocks and the IM held by the user, and the exchanging, buying or selling the IM with the stocks; (c) analyzing the request and determining acceptability of the request; and (d) providing the mileage-for-stock redemption service and receiving payment when the request is acceptable.

In still another aspect of the present invention, in a mileage-for-stock redemption service management method of a mileage-for-stock redemption management system comprising: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server providing the mileage-for-stock redemption services of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using external mileage points (EM) issued by exchanging the IM, a mileage-for-stock redemption service management method comprises the steps of (a) registering the user as a member when receiving information from the user who had accessed the stock redemption service server; (b) the user requesting the mileage-for-stock redemption service including the user's information referring to the stocks and the EM held by the user, unifying the IM to the EM, and exchanging, buying or selling the EM with the stocks; (c) analyzing the request and determining acceptability of the request; and (d) providing the mileage-for-stock redemption service and exchanging the payment when the request is acceptable.

In a still further aspect of the present invention, in a mileage-for-stock redemption service management method of a mileage-for-stock redemption service management system comprising: chain stores providing mileage points which can be exchanged with the stocks by a user when the user has performed an action which is a reference to issue the mileage points; and a stock redemption service server buying the stocks which the chain stores issue or hold, providing the mileage points to be exchanged with the stocks to the chain stores, and enabling the user who accesses the server through wire or wireless communication devices so as to buy the stocks using the mileage points, a mileage-for-stock redemption service management method comprises the steps of (a) the stock redemption service server buying the stocks issued or held by the chain stores from the chain stores, and providing the mileage points which can be exchanged with the stocks to the chain stores; (b) the chain stores providing the mileage points received from the stock redemption service server to the user when the user has performed an action to receive the mileage points; and (c) providing the stocks held by the stock redemption service server to the user when the user accesses the stock redemption service server via wire or wireless communication devices and provides the mileage points to the stock redemption service server.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate an embodiment of the invention, and, together with the description, serve to explain the principles of the invention:

FIG. 1 is a block diagram of a mileage-for-stock redemption service managing system according to a preferred embodiment of the present invention; FIG. 2 is a flow chart of a mileage-for-stock redemption service managing method according to a first preferred embodiment of the present invention;

FIG. 3 shows membership registration steps according to the first preferred embodiment of the present invention; FIG. 4 shows service requesting steps according to the first preferred embodiment of the present invention;

FIG. 5 shows an example of changes of the number of held stocks and internal mileage points when exchanging the internal mileage points with the stocks in the first preferred embodiment of the present invention; FIG. 6 shows an example of changes of the number of held stocks and internal mileage points when performing transactions on the stocks using the internal mileage points in the first preferred embodiment of the present invention;

FIG. 7 shows an example of changes of stock selling and buying data when performing transactions on the stocks using the internal mileage points in the first preferred embodiment of the present invention;

FIG. 8 is a flow chart of a mileage-for-stock redemption service managing method according to a third preferred embodiment of the present invention; FIG. 9 shows membership registration steps according to the third preferred embodiment of the present invention;

FIG. 10 shows an example of the process that occurs when exchanging the internal mileage points with external mileage points according to the third preferred embodiment of the present invention; FIG. 1 1 shows an example of changes of the number of stocks and external mileage points held by the user when exchanging the external mileage points with the stocks in the third preferred embodiment of the present invention;

FIG. 12 shows an example of changes of the number of stocks and external mileage points held by the user when performing transactions on the stocks using the external mileage points in the third preferred embodiment of the present invention;

FIG. 13 shows an example of the process that occurs when exchanging the internal mileage points with external mileage points according to a fourth preferred embodiment of the present invention;

FIG. 14 shows an example of changes of the number of stocks and the external mileage points held by the user when exchanging the external mileage points with the stocks in the fourth preferred embodiment of the present invention; FIG. 15 is a block diagram of a mileage-for-stock redemption service management system according to a fifth preferred embodiment of the present invention;

FIG. 16 is a block diagram of a mileage-for-stock redemption service management system according to a sixth preferred embodiment of the present invention; and

FIG. 17 is a block diagram of a mileage-for-stock redemption service management system according to a seventh preferred embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following detailed description, only the preferred embodiments of the invention have been shown and described, simply by way of illustration of the best modes contemplated by the inventor(s) of carrying out the invention. As will be realized, the invention is capable of modification in various obvious respects, all without departing from the invention. Accordingly, the drawings and description are to be regarded as illustrative in nature, and not restrictive.

FIG. 1 is a block diagram of a mileage-for-stock redemption service managing system according to a preferred embodiment of the present invention. As shown in FIG. 1 , the mileage-for-stock redemption service managing system comprises a user 100, a mileage issuing service provider server 200, and a stock redemption service server 300.

When the user 100 accesses the mileage issuing service provider server 200 on the Internet and generates a behavior which is a reference for issuing the mileage points, the mileage issuing service provider server 200 stores a mileage price corresponding to the behavior in a database of the mileage issuing service provider server 200, and concurrently provides the mileage price to the user 100.

The stock redemption service server 300 receives information on the mileage points from the mileage issuing service provider server 200 and provides the mileage-for-stock redemption service. In detail, the stock redemption service server 300 previously buys the stocks issued or held by the mileage issuing service provider, and when a user wants to receive the mileage-for-stock redemption service on the Internet according to the preferred embodiment of the present invention, the stock redemption service server 300 exchanges the accumulative mileage points with the stocks.

The stock redemption service server 300 comprises: a membership database 310 which stores information on the members who want to receive the mileage-for-stock redemption service, such as identifications (ID), names, addresses, resident registration numbers, and bank accounts; a mileage database 320 which stores information on the internal on external mileage points of the individual members; and a stock database 330 which stores information on the prices of the stocks which can be exchanged with the internal or external mileage points, information on the stocks held by the users 100, and stock transaction histories of the users 100. Here, the internal mileage points (IM) are defined as the mileage points which are issued by each mileage issuing service provider, and the external mileage points (EM) are defined as the mileage points which are issued by the stock redemption service providers to exchange with the internal mileage points or the mileage points which are issued by the stock redemption service providers using a predetermined condition of the stock redemption service providers.

The membership database 310 stores not only the IDs for receiving the services of the stock redemption service server, but also the IDs for receiving the services of the mileage issuing service provider servers, and these two kinds of IDs are linked to each other. Hereinafter, the IDs which are used with the stock redemption service server are referred to as S-IDs, and the IDs which are used with the mileage issuing service providers are referred to as M-IDs.

The mileage database 320 stores information on the IM or the EM of the users. At this time, the mileage database 320 receives the IM from the mileage issuing service providers via wire or wireless communication means. In the case whereby the mileage database 320 stores the IM of the mileage database 320 that is identical with the IM stored by the mileage issuing service providers, when the IDs of the mileage service provider servers or the IDs of the stock redemption service server are changed, the mileage database 320 receives this change information from the mileage issuing service provider servers or the stock redemption service server and makes the IM identical.

The stock database 330 stores information on stock possession by the users, history of the exchange, selling and buying of stocks by the users, and the number of stocks which can be exchanged, sold, or bought using the IM or the EM.

Next, a mileage-for-stock redemption service management method according to the first preferred embodiment of the present invention will be described referring to the drawings. FIG. 2 shows a flow chart of a mileage-for-stock redemption service managing method according to a first preferred embodiment of the present invention.

The user accesses the stock redemption service server 300 and inputs his basic information so that he is registered as a member who can receive the mileage-for-stock redemption service, in step S1 10. This accesses the stock redemption service server via the mileage issuing service provider server, or directly accesses the stock redemption service server to request a mileage-for-stock redemption service in step S120. In this case, the stock redemption service server analyzes the request and determines whether the request is acceptable in step S130. When the request is determined to be acceptable, the mileage-for-stock redemption service is provided and a subsequent payment exchange process is performed in step S140.

The above steps will now be described in detail. FIG. 3 shows membership registration steps according to the first preferred embodiment of the present invention.

As shown in FIG. 3, the users input information such as S-ID, names, resident registration numbers, and M-ID to request a membership registration in step S1 1 1 . The information input by the users is stored in the membership database 310 of the stock redemption service server in step

S112. At this time, the stock redemption service server according to the first preferred embodiment of the present invention requests information on the mileage points of the users from the mileage issuing service provider 200 by using the M-ID, names, and resident registration numbers provided to the membership database in step S113. When receiving the request, the mileage issuing service provider searches the IM of the users and transmits the searched IM together with the M-ID, names, and the resident registration numbers to the stock redemption service server in step S114. The stock redemption service server generates the mileage database 320 using the transmitted IM in step S115. The stock redemption service server stores then the information input by the user and the information of the mileage issuing service provider in the stock database 330 in step S116. In detail, the stock database 330 stores information on the stocks held by the user, the history of exchanging, buying, and selling of the stocks, the number of stocks which can be exchanged, sold or bought using the IM, stock selling or buying orders, and the current values. After performing this step, the stock redemption service server transmits a membership allowance message to the user, and the user confirms a receipt of the message in step S117,

Referring to FIG. 4, a step for requesting a mileage-for-stock redemption service according to the first preferred embodiment of the present invention will now be described. The user directly accesses the stock redemption service server 300 or accesses the stock redemption service server 300 via the mileage issuing service providers and requests to select a desired mileage-for-stock redemption service in step S121. The stock redemption service server 300 receives this request and transmits the categories of mileage-for-stock redemption services to the user in step S122. The mileage-for-stock redemption services are categorized as: a self- reference service for referring the information on the IM or stocks of the users; a self-exchange service for the user to exchange the IM with the stocks of the IM issuing service providers; a self-selling/buying service where the user issues orders for selling or buying stocks with other users or mileage-for-stock redemption service providers, and when the selling or buying process is allowed, the user pays or is paid with the IM; and an ownership transfer service where the user requests a transfer of ownership of the stocks in the stock database 330. The user selects one of these services and transfers the same to the stock redemption service server in step S123. In this case, information necessary for each service, for example, the number of stocks to be exchanged in the self-exchange service, or the number of stocks to be sold or bought and desired prices in the self-selling/buying service is concurrently transmitted. The stock redemption service server receives this request in step S124, and transmits a message to the user that the request by the user has been received, and the user confirms the message in step S125.

A step for analyzing the request for the mileage-for-stock redemption service and determining acceptability according to the first preferred embodiment of the present invention will now be described. In the case whereby the stock redemption service server 300 receives a mileage-for- stock redemption service request from the user using the IM, the mileage-for- stock redemption service server 300 analyzes the request and searches the mileage database 320 and the stock database 330 to determine whether the request is acceptable.

Acceptability of a request for the self-exchange service is determined by checking whether the IM of the user is greater than the amount of money which is the price of {(the number of the exchangeable stocks) x (the exchangeable price per stock) + a fee based on a predetermined ratio}, and whether the number of exchangeable stocks held by the stock database 330 is greater than the number of stocks requested by the user. Here, the exchangeable price per stock can be different from the prices of the selling and buying orders, and in the preferred embodiment of the present invention, the exchangeable price per stock is cheaper than the actual transaction prices of other selling and buying orders. The number of exchangeable stocks are the number of stocks which are previously assigned for exchanging, and can be less than the total stocks which the mileage-for- stock redemption service oroviders supplied.

Acceptability of the requests for self-buying service or self-selling service is determined by checking whether the IM of the user is greater than the amount of money which is the price of { (the number of the desired stocks to be bought) x (buying request price) + a fee based on a predetermined ratio} in the case of the request for the self-buying service, and in the case of the request for the self-selling service, by checking in the user stock information of the stock database 330 whether the user holds at least as many of the selling request stocks requested.

Acceptability of a transfer service request is determined by checking whether the user stores a number of transfer service request stocks in the user stock information of the stock database 330 equal to or more than the number of the selling request stocks. Only when the user makes it possible to transfer the stocks in a case when the number of stocks a transfer service requests is less than the number of transferable stocks, for example, 10 stocks if the number of transfer requested stocks is below the above number '10', is the transfer service request acceptable.

When the service request by the user is determined not to be acceptable, the unacceptability message is reported to the user and the step for determining the acceptability is terminated.

A step for providing the mileage-for-stock redemption service and exchanging payment according to the first preferred embodiment of the present invention will now be described. In the case of providing the self-reference service, when the user requests the information, the mileage-for-stock redemption service withdraws the IM of the user from the mileage database 320 and withdraws the prices of the stocks of the IM issuing service providers from the stock database 330. The price which is the sum of the price of the stocks and the fee based on a predetermined ratio, and the number of stocks with which the user can exchange the IM are calculated, and this calculation information is transmitted to the user to be displayed.

A method for providing the self-exchange service and exchanging payment will now be described.

The stock redemption service server 300 stores the number of stocks which the self-exchange service has requested in the user stock information of the stock database 330, and subtracts the number of exchangeable stocks held by the stock redemption service server 300 from the stock database, and subtracts from the IM of the user in the mileage database 320 as much as the price of {(the number of exchange stocks) x (the exchange price per stock) + the fee based on a predetermined ratio}, and reports to the mileage issuing service provider 200 that the IM of the user has been used, and subtracts the IM of the user stored in the mileage issuing service provider server as much as the price of {(the number of exchange stocks) x (the exchange price per stock) + the fee based on a predetermined ratio}. Together with this, a message that the stock exchange requested by the user is successfully executed is reported to the user. FIG. 5 shows a data table before and after providing the self-exchange services. The table shows the mileage issuing service provider, holding stocks, and IM. After using the IM with the points of 10,000, the ten stocks of the company A are respectively exchanged with each 500 mileage points, and the fee of 200 points is subtracted.

A method for providing a self-buying or self-selling service and exchanging payment will now be described. A case when the stocks of the mileage issuing service providers are sold or bought between users who use the mileage-for-stock redemption service and an identical mileage issuing service provider will now be described. In a case a user A requests the stock self-buying service and another user B requests the stock self-selling service, when the selling or buying request is determined to be acceptable, the selling or buying order is stored as stock buying/selling data in the stock redemption service server. When the stock transactions are executed between the users A and B and the user A buys 10 stocks from the user B, the mileage-for-stock redemption service server records this transaction history in the stock database, updates the price with the above stock price of the stock database, and deletes the executed order from the stock buying/selling data. The mileage database subtracts the mileage points which are the sum of {(the number of selling/buying stocks) x (the actual transaction price) + the fee based on a predetermined ratio} from the mileage points of the user A, and the IM of the user B accumulates the price of (the number of selling/buying stocks x the actual transaction price) excluding the fee based on a predetermined ratio. In the stock database, the stock information of the user A increases by the ten stocks which were bought from the user B, and the stock information of the user B decreases by as many as the number of sold stocks. In this case, the modification of the IM is transmitted to the mileage issuing service provider so that the IMs of the users A and B becomes identical. FIG. 6 shows changes of the information on the holding stocks and IM of the users A and B when this transaction has occurred. As shown, as the transaction occurs, the stocks and IM of the user are modified. FIG. 7 shows the changes of selling and buying the stocks. The table shows that the number of stocks are reduced from each selling and buying order when ten stocks are transacted for 500 mileage points for each stock.

A method for providing a transfer service and exchanging payment will now be described.

The stock redemption service server transfers as many as the number of requested transfer service request stocks of the user to the user's stock account stored in the user's membership database, or issues the stocks to be transmitted to the user. In this case, the number of transferred stocks are subtracted from the number of stocks held by the user.

After the self-exchange service, self-buying service, self-selling service, and transfer service of the mileage-for-stock redemption service are provided, the transaction history is stored in the stock database.

Next, a method for managing the mileage-for-stock redemption service according to a second preferred embodiment of the present invention will be described.

In the method for managing the mileage-for-stock redemption service, the mileage-for-stock redemption service server does not store the information on the user's IM when registering a membership, but when a mileage-for-stock redemption service is requested, this IM information is transmitted from the corresponding IM issuing service provider server. Hence, the mileage database shown in FIG. 1 can be omitted.

By this method, a step for storing and withdrawing the IM in the first preferred embodiment of the present is left out, and when the IM information is necessary, this IM is transmitted from the mileage issuing service providers. When the mileage-for-stock redemption service provides the exchange, selling or buying services to the user and the IM of the user is modified, a message that the IM has been modified is transmitted to the mileage issuing service provider, and the IM is updated by as many as the modified mileage points in the mileage issuing service provider.

As described above, according to the mileage-for-stock redemption service managing method of the first and second preferred embodiments of the present invention, since the IM accumulated in the mileage issuing service provider can be exchanged with the stocks of the mileage issuing service provider, and transactions between the individuals are also possible, the user can hold the stocks which can be exchanged, sold, or bought using his holding IM. The managers of the mileage issuing service providers can greatly increase visit frequencies of the users since the users more frequently visit the web servers to obtain more mileage points.

Next, a method for managing the mileage-for-stock redemption service according to a third preferred embodiment of the present invention will be described by referring to the drawings.

FIG. 8 shows a flow chart for managing the mileage-for-stock redemption service according to the third preferred embodiment of the present invention. The user accesse s the mileage-for-stock redemption service server and inputs his personal information so that he is registered as a member who can receive the mileage-for-stock redemption service, according to the third preferred embodiment of the present invention, in step S210. The user accesses the stock redemption service server and requests an EM mileage- for-stock redemption service in step S220. The stock redemption service server analyzes the user's requests and determines whether the user's request is acceptable in step S230. When the request is determined to be acceptable, the stock redemption service server provides the mileage-for- stock redemption service and performs a payment process in step S240. Next, each step will be described in detail.

FIG. 9 shows a step for membership registration according to the third preferred embodiment of the present invention. As shown in FIG. 9, when the user inputs predetermined information such as the S-ID, name, resident registration number, or M-ID to request membership registration in step S21 1 , the information is stored in the membership database 310 of the stock redemption service server in step S212. The stock redemption service server generates the mileage database and the stock database in steps S213 and S214. At this time, the mileage database stores the EM of the user, and when the stock database is generated, information on the stocks held by the user, history on the selling and buying the stocks of the user, total stocks and number of stocks which can be exchanged, sold, or bought using the EM, buying or selling orders on the stocks, and current price are used. (Hereinafter, the stocks which are registered to receive the stock redemption services such as exchanging, buying or selling the stocks by use of the EM will be referred to as the registered stocks.)

Executing the step, a message that the user is registered as a member and able to receive the stock redemption service is transmitted to the user, and the user then confirms this message in step S215. Next, a step for requesting the mileage-for-stock redemption service according to the third preferred embodiment of the present invention will be described. Identical with the first preferred embodiment of the present invention, the user accesses the stock redemption service server to select a desired mileage-for-stock redemption service. The mileage-for-stock redemption services are categorized as: an external reference service for referring to the EM or stock information of the users; a mileage unifying service for unifying the IM of the users to the EM; an external exchange service wherein the user exchanges the EM with the registered stocks; an external buying or selling service wherein the user executes a buying or selling order for his registered stocks to others or the stock redemption service provider, and when the buying or selling is realized the user pays or is paid with the EM; and a transfer service (identical with the transfer service of the first preferred embodiment of the present invention) wherein the user requests an ownership transfer service of the stocks stored in the mileage- for-stock database. The user selects one of the above-noted services and transmits the same to the stock redemption service server, and the stock redemption service server receives the transmitted request and reports to the user that the request has been received.

Next, a step for analyzing the mileage-for-stock redemption service request and determining acceptability according to the third preferred embodiment of the present invention will be described. When the stock redemption service server receives the mileage-for-stock redemption service request from the user, the stock redemption service server analyzes what service the request indicates, and searches the stock database and determines whether the request is acceptable. The mileage unifying service searches and determines whether the

IM of the user exists.

Acceptability of the request of the external exchange service is determined by checking whether the EM of the user is greater than the price of {(the number of stocks to be exchanged) x (the exchange price per stock) + the fee based on a predetermined ratio}, whether the stocks to be exchanged are the registered stocks, and whether the number of exchangeable stocks held by the stock database is greater than the number of stocks requested by the user.

Acceptability of the external buying or selling service request is determined by checking whether the stocks to be bought or sold are the registered stocks, whether the EM of the user is greater than the price of {(the number of stocks to be bought) x (buying request price per stock) + the fee based on a predetermined ratio} in a case of the external buying service request, and whether the user holds selling request stocks greater than or equal to the number of selling request stocks in the user's stock information of the stock database.

Acceptability of the transfer service request is identical with that of the first preferred embodiment of the present invention.

When the service request of the user is determined to be not acceptable, the corresponding result is reported to the user, and the step for determining the acceptability is terminated.

A step for providing the mileage-for-stock redemption service and paying according to the third preferred embodiment of the present invention will now be described while referring to the drawings.

Next is a case for providing the external reference service. When the user requests the information, the mileage-for-stock redemption service withdraws the EM of the user from the mileage database, and withdraws the registered stocks and the price of the stocks. The number of stocks with which the user can exchange the EM are calculated by using the value of {the price of the stocks and the fee based on a predetermined ratio}, and this information is transmitted to the user to be displayed.

Next, a case for providing the mileage unifying service and exchanging payment will be described. When the stock redemption service server receives the mileage unifying service, the stock redemption service server receives the IM information from the mileage issuing service provider, and unifies this IM to the EM by the exchange ratio of the EM and IM. The exchange ratios are different for the respective mileage issuing service providers. When the IM has been unified to the EM, the IM of the user is modified, and this modification of the IM is transmitted to the mileage issuing service provider server to update the IM of the mileage issuing service provider. FIG. 10 shows an example of converting the user's IM into the EM.

When the user A has the IM of the companies A, B, and C which have joined the mileage-for-stock redemption service, and the exchange ratio of the IM and the EM of the company A is 1 :1 , and those of the companies B and C are 2:1 , the table shows that the IM are converted to the EM according to the respective exchange ratios. (EM(tot) represents the summed EM converted from the IM of the companies A, B, and C.)

Next is a case for providing the external exchange service. When the user's exchange request is determined to be acceptable in the step of determining the acceptability, the stock redemption service server stores as many stocks as have been requested in the stock database in the user's stock information, and subtracts as many exchangeable stocks as the user has requested, records this exchange history, and the mileage points which were used in the EM of the user, that is, as many as the price of {(the number of exchanged stocks) x (the exchange price per stock) + the fee based on a predetermined ratio} are subtracted from the mileage database. Together with this, a message that the exchange of stocks requested by the user has been successfully executed is reported to the user. FIG. 11 shows the user's holding stocks and EM when the external exchange service is provided. The table shows a case when ten stocks of the company A are exchanged with 500 mileage points using the EM, and the fee is 200 mileage points.

Next, a case for providing the external buying service or external selling service between the users who use the mileage-for-stock redemption service will be described. When the buying or selling request of the user is determined to be acceptable, the buying or selling request is stored in the stock buying/selling data in the stock database. When the stock transactions between the users A and B are performed and the user A buys ten stocks from the user B, the mileage-for- stock redemption service server records this transaction history in the stock database, and updates the price of this transaction with the price of the stocks of the stock database, and removes the executed order from the stock buying/selling data. At this time, the mileage points which are the sum of {(the number of transacted stocks) x (the actual transacted price) + the fee based on a predetermined ratio} is subtracted from the EM of the user A in the mileage database, and the mileage points which are the sum of the mileage points of {(the number of transacted stocks x the actual transacted price) - the fee based on a predetermined ratio} is accumulated in the EM of the user B. In the stock database, the stock information of the user A is increased by the ten stocks bought from the user B, and from the stock information of the user B the number of sold stocks is subtracted. FIG. 12 shows changes of the number of stocks of the company A and the EM of the users A and B.

A case for providing the transfer service and exchanging payment is identical to that for providing the transfer service and exchanging payment of the first preferred embodiment of the present invention. After the mileage unifying service, external exchange service, external buying service, external selling service and mileage-for-stock redemption service of the transfer service, the corresponding history is stored in the stock database.

Next, a method for managing the mileage-for-stock redemption service according to a fourth preferred embodiment of the present invention will be described referring to drawings.

When the user exchanges the IM with the EM in the third preferred embodiment of the present invention, the fourth preferred embodiment of the present invention further comprises a case where information on what mileage issuing service provider has issued the mileage points is added in the mileage database. The mileage database comprises information on the total amount of money of the EM, and the price which is exchanged from the IM of a specific service provider to the EM. FIG. 13 shows the respective prices when the EM are exchanged with the IM of the company A, the IM of the company B are exchanged with the EM, and the IM of the company C are exchanged with the EM. In this case, the total amount of money of the EM is the sum of the price which is the EM (that is 15,000 mileage points) exchanged for the IM of the companies, and the existing accumulated mileage points (that is 5,000 mileage points). The EM(tot.) represents the sum of the existing EM and the EM which are exchanged from the IM of the companies. The EM(A), EM(B), and EM(C) respectively represent the EM exchanged for the IM of the respective companies A, B, and C.

When the user wants to receive the mileage-for-stock redemption service on the stocks registered in the stock database, in a case when the registered stocks is restricted so that it must be exchanged for as much as the price the user initially exchanged the IM of a specific company for the EM, the user can withdraw the price exchanged from the IM of the specific company to the EM, from the mileage database. On the other hand, when buying with the total EM without this restriction, the mileage-for-stock redemption service on the registered stocks can be possible using the EM excluding the mileage points exchanged from the company which executed the restriction, from the total price of the EM.

In a case when the registered stocks are restricted so that they must be exchanged for as much as the price of the EM which the user initially exchanged from the IM of the specific company, a determination of acceptability and paying processes referring to the price which occurs when exchanging the IM of the specific company to the EM are performed in the step of determining acceptability of the service request and paying, in the third preferred embodiment of the present invention.

When using the EM, the price which unified the IM of the registered company to the EM, as well as the total amount of money using the EM are updated in the mileage database. That is, in a case the IM of the company A are exchanged with the EM and these EM are exchanged with the stocks of the company A, the amount of the exchange price is subtracted from the total amount of the EM in the mileage database, and concurrently, the identical amount of the price is subtracted from the EM exchanged from the IM of the company A. FIG. 14 shows an example of updating the mileage database in this case. When the exchange price is set at 5,200 mileage points, these mileage points are subtracted from each EM(tot.) and EM(A).

In the above preferred embodiment of the present invention, the mileage issuing service providers themselves issued the mileage points which can be exchanged with the stocks. In the following, a case where the mileage issuing service provider does not issue the mileage points, but rather the stock redemption service server issues the mileage points which can be exchanged with the stocks will be described.

Referring to FIG. 15, a system and method for managing the stock redemption service according to a fifth preferred embodiment of the present invention will be described.

As shown in FIG. 15, the mileage-for-stock redemption service management system according to the fifth preferred embodiment of the present invention comprises users 400A and 400B, Internet service providers 500A and 500B, and a stock redemption service server 600.

The stock redemption service server 300 buys the stocks issued by the Internet service providers 500A and 500B (or the stocks held by the Internet service providers) from the Internet service providers 500A and 500B, and provides the mileage points which can be exchanged with specific stocks to the Internet service providers 500A and 500B. At this time, according to the fifth preferred embodiment of the present invention, the mileage points which are provided to the Internet service providers 500A and 500B are used to buy specific stocks, for example, the stocks of the Internet service provider A. In FIG. 15, for ease of explanation, the stocks which the Internet service providers 500A and 500B provide to the stock redemption service server 600 are represented respectively as stock A and stock B, and the mileage points which can be exchanged with the stocks A and B are respectively represented as the mileage points A and B.

After a user has performed transactions (such as buying goods) to receive the mileage points, the Internet service providers 500A and 500B provide the mileage points mileage A and mileage B to the user. In the fifth preferred embodiment of the present invention, the Internet service providers are described as the examples, but other service providers which cooperate with the stock redemption service server can be likewise involved.

The stock redemption service server 600 comprises a membership database (not illustrated) which stores information on the members such as: member identifications ID, names, addresses, resident registration numbers, and bank accounts; a mileage database (not illustrated) which stores information on the mileage points provided to the Internet service providers 500A and 500B; and a stock database (not illustrated) which stores information on the stocks received from the Internet service providers and a stock transaction history of the users 400A and 400B.

The Internet service providers 500A and 500B comprise a membership database (not illustrated) which stores information on the members; and a stock database (not illustrated) which stores the stock transaction history.

Referring to FIG. 15, the stock redemption service method according to the fifth preferred embodiment of the present invention will now be described.

First, the stock redemption service server 600 buys the stocks stock A and stock B which the Internet service providers issue or hold from the Internet service providers 500A and 500B, and it provides the mileage points mileage A and mileage B which can be exchanged with specific stocks to the Internet service providers 500A and 500B. In detail, the stock redemption server 600 previously buys the stocks stock A and stock B of the Internet service providers 500A and 500B with cash, and the Internet service providers 500A and 500B buy the mileage points mileage A and mileage B which the stock redemption service server 600 issues, also with cash.

Next, when the user has accessed an Internet service provider such as the Internet service provider A and executed transactions to receive the mileage points (such as buying goods), the Internet service provider A provides the mileage points A received from the stock redemption server 600 to the user.

The user then provides the mileage points A to the stock redemption server 600 so as to receive the stocks A which the Internet service provider A provided to the stock redemption service server 600. According to this fifth preferred embodiment of the present invention, when using the mileage points (for example, the mileage points A) issued by the stock redemption service server, the specific stocks (stock A) could be bought, and other stocks (stock B) could not be bought. However, the users can exchange the stocks bought from the stock redemption service server with each other, and in this case, the user can provide a notice board where the users can exchange the stocks.

Referring to FIG. 16, the stock redemption service management system and method according to a sixth preferred embodiment of the present invention will now be described. As shown in FIG. 16, the stock redemption service management system comprises users 400A and 400B, Internet service providers 500A and 500B, and a stock redemption service server 600.

The stock redemption service server 600 buys the stocks issued by the Internet service providers 500A and 500B (or the stocks held by the Internet service providers) from the Internet service providers 500A and 500B, and provides the mileage points which can be exchanged with the stocks to the Internet service providers 500A and 500B. At this time, according to the sixth preferred embodiment of the present invention, the mileage points provided to the Internet service providers 500A and 500B can be used to buy the stocks provided by the Internet service providers and the stocks provided by the other service providers who are in cooperation with the stock redemption service server. In FIG. 16, for ease of explanation, the stocks which are provided to the stock redemption service server 600 from the Internet service providers 500A and 500B are respectively referred to as stock A and stock B. 5 When the user executes actions (such as buying the goods) to receive the mileage points, the Internet service providers 500A and 500B provide the mileage points provided from the stock redemption service server to the user.

Referring to FIG. 16, the stock redemption service management

10 method according to the sixth preferred embodiment of the present invention will now be described.

First, the stock redemption service server 600 buys the stocks stock A and stock B issued or held by the Internet service providers 500A and 500B from the Internet service providers 500A and 500B, and provides the

15 mileage points which can be exchanged with the stocks provided by the other Internet service providers, who are in cooperation with the stock redemption service providers, to the Internet service providers 500A and 500B. In detail, the stock redemption service server 600 previously buys the stocks stock A and stock B of the Internet service providers 500A and 500B

20 with cash, and the Internet service providers 500A and 500B buy the mileage points issued by the stock redemption service server 600, also with cash.

Next, when the user accesses the Internet service provider (for example, the Internet service provider A) and executes the action (for example, buying the goods) to receive the mileage points, the Internet

25 service provider A provides the mileage points provided from the stock redemption service server 600 to the user.

The user then provides the mileage points to the stock redemption service server 600 and receives the stocks (for example, stock B) provided by the Internet service provider A and the stock redemption service server

30 600.

Referring to FIG. 17, the stock redemption service management system according to a seventh preferred embodiment of the present invention will now be described.

As shown in FIG. 17, the stock redemption service management system comprises users 400A and 400B, Internet service providers 500A and 500B, a stock redemption service server 600, and a stock transaction site 700.

Detailed descriptions on the users 400, Internet service providers 500, and stock redemption service server 600 shown in FIG. 17 will be omitted since they have identical operations with those shown in FIG. 16. The stock transaction site 700 cooperates with the stock redemption service server 600 so that the user may exchange the mileage points issued by the stock redemption service server 600 with the stocks held by the user in the stock transaction site 700. Therefore, according to the seventh preferred embodiment of the present invention, the user can access the stock transaction site to buy or sell other stocks by using the mileage points provided from the stock redemption service server 600.

The mileage points described in the preferred embodiments of the present invention can include the mileage points issued by ordinary shopping mall sites, the points provided in on-line game sites, or user levels. The present invention can include other service providers as well as the Internet service providers.

As described above, according to the preferred embodiments of the present invention, since the mileage points accumulated in the mileage issuing service provider can be exchanged with the stocks of the mileage issuing service provider, or transactions between the individuals are also possible, the user can hold, buy or sell the stocks provided by the mileage- for-stock redemption service providers. The managers of the mileage issuing service providers can greatly increase visit frequencies of the users since the users more frequently visit the web servers to obtain more mileage points. While this invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

Claims

WHAT IS CLAIMED IS:

1. A system for managing a mileage-for stock redemption service, comprising: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and providing a mileage-for-stock redemption service including exchanges of the stocks using the received IM.

2. The system of claim 1 , wherein the mileage-for-stock redemption service comprises: a self-exchange service for the user to exchange the IM with the stocks of the IM issuing service provider; a self-buying service for the user to perform a buying order from other users, and when the order is accepted, to pay the price with the IM; and a self-selling service for the user to perform a selling order to the other users, and when the order is accepted, to be paid with the IM.

3. The system of claim 2, wherein the stock redemption service server comprises: a membership database storing information on the users who want to receive the stock redemption service; and a stock database storing information on the stock held by the user, history of exchanging, buying, and selling the stocks by the user, the total number of stocks and the number of stocks which can be exchanged, bought, or sold using the IM, and orders on buying and selling the stocks.

4. The system of claim 3, wherein the stock redemption service server receives the IM of the user from the corresponding mileage issuing service provider and uses the same when the user requests the mileage-for- stock redemption service.

5. The system of claim 3, wherein the stock redemption service server further comprises a mileage database which stores the IM issued by the mileage issuing service provider server.

6. A mileage-for-stock redemption management system, comprising: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server providing the mileage-for-stock redemption services of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using external mileage points (EM) issued by exchanging the IM.

7. The system of claim 6, wherein the mileage-for-stock redemption service comprises: a mileage unifying service for unifying the IM of the user to the EM; an external exchange service for the user to exchange the EM with registered stocks which are registered to be exchanged, bought, or sold using the EM; an external buying service for the user to perform a buying order of the registered stocks from other users or the mileage-for-stock redemption service provider, and when the buying order is accepted, to pay with the EM; and an external selling service for the user to perform a selling order of the registered stocks to the other users or the mileage-for-stock redemption service provider, and when the selling order is accepted, to be paid with the EM.

8. The system of claim 7, wherein the stock redemption service server comprises: a membership database storing information on the members who want to receive the mileage-for-stock redemption service; a mileage database storing the EM; and a stock database storing information on the stocks held by the users, a history on the user^'s exchanging, buying, and selling the stocks, the number of stocks and the number of stocks which can be exchanged, bought, or sold using the EM, and the orders on buying and selling the stocks.

9. The system of claim 8, wherein the mileage database stores a total amount price of the EM and the price of the EM exchanged from the IM of a specific service provider.

10. In a mileage-for-stock redemption service management method utilizing a mileage-for-stock redemption management system including: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server providing the mileage-for-stock redemption service of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using the received EM, a mileage-for-stock redemption service management method, comprising the steps of:

(a) registering the user as a member when receiving information from the user who accesses the stock redemption service server;

(b) the user requesting the mileage-for-stock redemption service including the user's information referring to the stocks and the IM held by the user, and the exchanging, buying or selling the IM with the stocks;

(c) analyzing the request and determining acceptability of the request; and

(d) providing the mileage-for-stock redemption service and exchanging payment when the request is acceptable.

1 1. In a mileage-for-stock redemption service management method of a mileage-for-stock redemption management system comprising: a mileage issuing service provider server including a database, issuing internal mileage points (IM) when a user executes actions to issue mileage points, transmitting the IM information to the user, and storing information on the IM of the user and information on the user; and a stock redemption service server providing the mileage-for-stock redemption services of receiving the IM of the user from the mileage issuing service provider server via wire or wireless communication means, and of exchanging the stocks using external mileage points (EM) issued by exchanging the IM, a mileage-for-stock redemption service management method, comprising the steps of: (a) registering the user as a member when receiving information from the user who had accessed the stock redemption service server;

(b) the user requesting the mileage-for-stock redemption service including the user's information referring to the stocks and the EM held by the user, unifying the IM to the EM, and exchanging, buying or selling the EM with the stocks;

(c) analyzing the request and determining acceptability of the request; and

12. The method of claim 10, wherein the step (a) comprises the steps of: storing a predetermined information input by the user in a membership database of the stock redemption service server; requesting the IM information of the user to the mileage issuing service provider server by using the user's information input to the membership database; generating a mileage database by using the IM transmitted from the mileage issuing service provider server; and storing the information of the mileage issuing service provider in a stock database, the information of the mileage issuing service provider being set to use the user's information input by the user and the mileage-for-stock redemption service.

13. The method of claim 1 1 , wherein the step (a) comprises the steps of: storing predetermined information input by the user in a membership database of the stock redemption service server; generating a mileage database for storing the EM of the user; and generating a stock database for storing information on the stocks for providing the stock redemption service.

14. The method of claim 10 or 11 , wherein the step (b) comprises the steps of: transmitting services which can be provided by the stock redemption service server to the user; the user selecting a desired service and inputting additional information necessary for the selected service and transmitting the additional information to the stock redemption service server; the stock redemption service server receiving the service selected by the user; and reporting the receipt of the service to the user.

15. The method of claim 10, wherein the step (c) is a step for determining acceptability on a self-exchange service where the user exchanges the IM with the stocks of the internal mileage issuing service provider, and this determination step comprises the steps of: withdrawing numbers of the exchangeable stocks, of which a self- exchange service is requested, from the user's self-exchange service request; determining whether the IM of the user is greater than the sum of the product of the number of exchangeable stocks of which a self-exchange service is requested and the exchange price of the stocks, and a fee based on a predetermined ratio; and determining whether the number of exchangeable stocks held by the stock redemption service server is greater than the number of stocks that the self-exchange service has requested.

16. The method of claim 10, wherein the step (c) is a step for determining acceptability of the self-buying service for paying with the IM when the user issued a buying order of stocks to other users and the buying order was executed, and the step for determining acceptability comprises the steps of: withdrawing the number of stocks the self-buying service is requesting and the stock buying request price from the user's self-buying service request; and determining whether the user's IM is greater than the price equal to the sum of the product of the number of stocks that are requested and the stock buying request price and the fee based on a predetermined ratio.

17. The method of claim 10, wherein the step (c) is a step for determining acceptability of the self-selling service for being paid with the IM when the user issued a selling order of stocks to other users and the selling order was executed, and the step for determining acceptability comprises the step of: withdrawing the number of stocks the self-selling service has requested and the stock selling request price from the user's self-selling service request; and determining whether the number of stocks held in the user's stock redemption service server is greater than the number of stocks the self- selling service requested.

18. The method of claims 10 or 11 , wherein the step (c) is a step for determining acceptability of the transfer service in which the user requests an ownership transfer of the stocks stored in the database of the stock redemption service server, and the step for determining the acceptability comprises the steps of: withdrawing the stocks and the number of stocks that the transfer service is requesting from the user's transfer service request; determining whether the number of stocks that the transfer service is requesting is greater than the number of stocks which can be transferred; and determining whether the number of stocks which the user holds in the stock redemption service server is greater than the number of stocks that the transfer service is requesting.

19. The method of claim 10, wherein the step (d) is a step for providing a self-reference service for referring to the user's IM or stock information for exchanging payment, and the step for providing the self- reference service and exchanging payment comprises the steps of: withdrawing the IM of the user and the price of the stocks of the service providers which issued the IM from the stock redemption service server; computing the number of exchangeable stocks using the IM and the price of the stocks; transmitting the IM, the price of the stocks, and the number of exchangeable stocks to the user; and displaying the transmitted information to the user.

20. The method of claim 10, wherein the step (d) is a step for providing a self-exchange service for the user to exchange the IM with the stocks of the IM service provider and for exchanging payment, and the step for providing the self-exchange service and exchanging payment comprises the steps of: storing as many stocks as have been requested by the self- exchange service in the user's stock information of the stock redemption service server, and subtracting as many stocks as have been requested by the self-exchange service from the stock information of the stock redemption service server; subtracting from the user's IM the price equal to the sum of the product of the number of exchangeable stocks that the exchange is requesting and the exchange price per stock, and a fee based on a predetermined ratio; storing the exchange history in the stock redemption service server, and transmitting a message that the self-exchange service provides from the stock redemption service server to the mileage issuing service provider; subtracting from the IM of the mileage issuing service provider the price equal to the sum of the product of the number of exchangeable stocks and the exchange price per stock, and a fee based on a predetermined ratio; and transmitting to the user a message that the self-exchange service has been executed.

21 . The method of claim 10, wherein the step (d) is a step for providing for the exchange of payment with the IM when the user generates a buying order to other users and the buying process has been executed, and for exchanging the payment, and the step for providing the self-buying service and payment exchange comprises the steps of: storing the user's self-buying service request in the stock buying/selling data of the stock redemption service server; searching whether selling orders which have the price equal to or lower than the stock buying request price of the buying order of the user are in the stock buying/selling data, and performing transactions; storing the transacted price in the stock price information of the stocks of the stock redemption service server when the transactions are executed, and storing the buying history; subtracting as many as the number of transacted stocks from the user's stock buying request; storing as many as the number of transacted stocks in the user's stock information of the stock redemption service server, and subtracting as many as the number of transacted stocks from the stock information held by the stock redemption service server subtracting from the user's IM the price equal to the sum of the product of the number of bought stocks and the stock buying transaction price, and the fee based on a predetermined ratio; transmitting a message that the self-buying service is provided, from the stock redemption service server to the mileage issuing service provider; subtracting from the IM of the mileage issuing service provider the price equal to the sum of the product of the number of bought stocks and the stock buying transaction price, and the fee based on a predetermined ratio; and transmitting to the user a message that the self-buying service has been executed.

22. The method of claim 10, wherein the step (d) is a step for providing for the exchange of payment with the IM when the user generates a selling order to other users and the selling process has been executed, and for payment, and the step for providing the self-selling service and paying comprises the steps of: storing the user's self-selling service request in the stock buying/selling data of the stock redemption service server; searching whether buying orders which have a price equal to or higher than the stock selling request price of the selling order of the user are in the stock buying/selling data, and performing transactions; storing the transacted price in the stock price information of the stocks of the stock redemption service server when the transactions are executed, and storing the selling history; subtracting as many as the number of transacted stocks from the user's stock selling request; storing as many as the number of transacted stocks in the user's stock information of the stock redemption service server, and subtracting as many as the number of transacted stocks from the stock information held by the stock redemption service server; adding to the user's IM the price of the product of the number of sold stocks and the stock selling transaction price excluding the fee based on a predetermined ratio; transmitting a message that the self-selling service is provided, from the stock redemption service server to the mileage issuing service provider; adding to the IM of the mileage issuing service provider the price equal to the product of the number of sold stocks and the stock selling transaction price, excluding the fee based on a predetermined ratio; and transmitting to the user a message that the self-selling service has been executed.

23. The method of claims 10 or 11 , wherein the step (d) is a step for providing a transfer service for the user to request an ownership transfer of the stocks stored in the database of the stock redemption service server and for exchanging payment, and the step for providing the transfer service and exchanging payment comprises the steps of: subtracting as many as the number of stocks that the transfer service requests from the user's stock information of the stock redemption service server; and transmitting to the user a message that the transfer service has been executed.

24. The method of claim 24, wherein the step (c) is a step for determining acceptability of an external buying service wherein the user generates a buying order on registered stocks, which are registered to be exchanged, sold, or bought using the EM, to other users or mileage-for-stock redemption service providers, and when the order has been executed the user pays with the EM: the step for determining the acceptability comprises the steps of: withdrawing the registered stocks, the number of stocks, and the stock buying request price that the external buying service requests from the user's self-buying service request; and determining whether the user's EM are greater than the price equal to the sum of the product of the number of requested stocks and the stock buying request price, and the fee based on a predetermined ratio.

25. The method of claim 1 1 , wherein the step (c) is a step for determining acceptability of an external selling service wherein the user generates a selling order on registered stocks, which are registered to be exchanged, sold, or bought using the EM, to other users or the mileage-for- stock redemption service provider, and when the order has been executed the user is paid with the EM, and the step for determining the acceptability comprises the steps of: withdrawing the registered stocks, the number of stocks, and the stock selling request price that the external selling service is requested from the user's external selling service request; and determining whether the number of registered stocks held by the user's stock redemption service server are greater than the number of stocks that the external selling service is requesting.

26. The method of claim 11 , wherein the step (d) is a step for providing an external reference service for the user to refer to information on the EM and the registered stocks which are registered to be exchanged, sold, or bought using the EM, and for exchanging payment, and the step for providing the external reference service and exchanging payment comprises the steps of: withdrawing the user's EM and the price of the registered stocks from the stock redemption service server; computing the number of exchangeable stocks using the EM and the price of the stocks; transmitting the EM, the price of the stocks, and the number of exchangeable stocks to the user; and displaying the transmitted information to the user.

27. The method of claim 1 1 , wherein the step (d) is a step for providing an external exchange service for the user to exchange the EM with the registered stocks which are registered to be exchanged, sold, or bought using the EM, and for exchanging payment, and the step for providing the external exchange service and exchanging payment comprises the steps of: storing up to the number of registered stocks that the external exchange service requests in the user's stock information of the stock redemption service server, and subtracting a number of registered stocks that the external exchange service requests from the stock information held by the stock redemption service server, up to the number of exchangable stocks available; subtracting from the user's EM the price of the sum of the product of the number of stocks that the exchange requests and the exchange price per stock, and the fee based on a predetermined ratio; and storing the exchange history in the stock redemption service server, and transmitting the user a message that the external exchange service has been executed.

28. The method of claim 1 1 , wherein the step (d) is a step for: providing an external buying service wherein the user generates a buying order on the registered stocks which are registered to be exchanged, sold, or bought using the EM to other users or the mileage-for-stock redemption service provider, and when the buying order has been executed the user pays with the EM; and for paying: the step for providing the external buying service and paying comprises the steps of: storing the desired registered stocks, the number of stocks, and the stock buying request price of the user's self-buying service request in the stock buying/selling data of the stock redemption service server; detecting whether selling orders on the registered stocks with a price equal to or lower than the price of the stock buying request exist in the stock buying/selling data regarding the registered stocks which the user wants to buy, and performing transactions; storing the transacted price in the stock price information of the registered stocks of the stock redemption service server and stoπng the buying history when the transactions have been executed; subtracting as many as the number of transacted stocks from the user's stock buying request; storing as many registered stocks as there were transacted stocks in the user's stock information of the stock redemption service server; subtracting the price equal to the sum of the product of the number of bought stocks and the stock buying transaction price, and the fee based on a predetermined ratio from the user's EM; and transmitting to the user a message that the external buying service has been executed.

29. The method of claim 1 1 , wherein the step (d) is a step for: providing an external selling service wherein the user generates a selling order on the registered stocks which are registered to be exchanged, sold, or bought using the EM, to other users or the mileage-for-stock redemption service provider, and when the selling order has been executed the user is paid with the EM; and for exchanging payment: the step for providing the external selling service and exchanging 4payment comprises the steps of: storing the user's external selling service request in the stock buying/selling data of the stock redemption service server; detecting whether buying orders on the registered stocks with a price equal to or higher than the price of the stock selling request exist in the stock buying/selling data regarding the registered stocks which the user wants to sell, and performing transactions; storing the transacted price in the stock price information of the registered stocks of the stock redemption service server and storing the selling history when the transactions have been executed; subtracting as many as the number of transacted stocks from the user's stock selling request; subtracting as many registered stocks from the user's stock information of the stock redemption service server as the number of transacted stocks; adding the price equal to the product of the number of sold stocks and the stock selling transaction price, excluding the fee based on a predetermined ratio to the user's EM; and transmitting to the user a message that the external selling service has been executed.

30. A mileage-for-stock redemption service management system, comprising: chain stores providing mileage points which can be exchanged with the stocks to a user when the user has performed an action which is a reference to issue the mileage points; and a stock redemption service server buying the stocks which the chain stores issue or hold, providing the mileage points to be exchanged with the stocks to the chain stores, and enabling the user who accesses the service through wire or wireless communication devices to buy the stocks using the mileage points.

31. The system of claim 30, wherein the stock redemption service server comprises: a membership database storing information on the members; a mileage database storing information on the mileage points provided to the chain stores; and a stock database storing information on the stocks provided by the chain stores and the user's stock transaction history.

32. The system of claim 31 , wherein the chain stores comprise: a membership database storing information on the members; and a stock database storing the stock transaction history.

33. The system of claim 32, wherein the chain stores are Internet service providers.

34. The system of claim 30, wherein the mileage points which are provided from the stock redemption service server to the chain stores are used to buy particular stocks.

35. The system of claim 34, wherein the particular stocks are issued or held by the chain stores and provided to the stock redemption service server.

36. The system of claim 35, wherein the user who has the mileage points provided to the chain stores accesses the stock redemption service server and can exchange the mileage points with other users.

37. The system of claim 30, wherein the mileage points provided from the stock redemption service server to the chain stores can be used to buy the stocks provided by other service providers cooperating with the stock redemption service server.

38. The system of claim 37, wherein the system further comprises a stock transaction site on which the user accesses the wire or wireless communication device and uses the mileage points provided from the stock redemption service server so as to buy or sell other stocks.

39. In a mileage-for-stock redemption service management method of a mileage-for-stock redemption service management system compπsing: chain stores providing mileage points which can be exchanged with stocks to a user when the user has performed an action which is a reference to issue the mileage points; and a stock redemption service server buying the stocks which the chain stores issue or hold, providing the mileage points to be exchanged with the stocks to the chain stores, and enabling the user who accesses through wire or wireless communication devices to buy the stocks using the mileage points, the mileage-for-stock redemption service management method comprises the steps of:

(a) the stock redemption service server buying the stocks issued or held by the chain stores from the chain stores, and providing the mileage points which can be exchanged with the stocks to the chain stores;

(b) the chain stores providing the mileage points received from the stock redemption service server to the user when the user has done an action to receive the mileage points; and (c) providing the stocks held by the stock redemption service server to the user when the user accesses the stock redemption service server via wire or wireless communication devices and provides the mileage points to the stock redemption service server.

40. The method of claim 39, wherein the step (a) comprises the steps of: the stock redemption service server buying the stocks of the chain stores with paying means including cash; and the chain stores buying the mileage points which can be exchanged with the stocks issued by the stock redemption service server with the paying means including cash.

41. The method of claim 39, wherein the mileage points provided from the stock redemption service server to the chain stores are used to buy particular stocks.

42. The method of claim 41 , wherein the particular stocks are issued or held by the chain stores and provided to the stock redemption service server.

43. The method of claim 39, wherein the mileage points provided from the stock redemption service server to the chain stores can be used to buy the stocks provided by other service providers cooperating with the stock redemption service server.

44. The method of claim 43, wherein the method further comprises a step of the user accessing the stock transaction site via the wire or wireless communication devices and using the mileage points provided from the stock redemption service server and buying or selling other stocks.