System and method for integrated accumulation and granting of bonus in on-line commercial transaction

Abstract

Disclosed are a system and a method for integrated accumulation and granting of bonus in a wired / wireless on-line commercial transaction, the method comprising up to a method for integrated accumulation of bonus such as commercial points, etc. even if a user (customer) uses the same (performs commercial transaction) in multiple wired / wireless on-line sites. The present invention, by not going through a share and exchange scheme of user log information or professional association throughout payment between an on-line site and a bonus-offering corporation, and not passing through an Internet electric payment gateway (P / G), auto-calculates bonus within a wired / wireless Internet of Communication (IoC)-bonus gateway (B / G) per se on the basis of IoC in which Internet of Things (IoT) of business branches is applied; or generates and stores a designated bonus without a calculating function, then auto-calculates a bonus by means of the wired / wireless IoC-bonus gateway (B / G) applied in an on-line site of an Internet site, and after a user first recognizes a bonus directly through a status or a user terminal device on the wired / wireless Internet, the user directly requests the bonus from the bonus-offering corporation, and the same is granted and accumulated.

Description

technical field [0001] The invention relates to the use of IoC-gateway to automatically calculate various transaction points and transmit them to user terminal devices when points are merged and accumulated during wired and wireless online transactions without going through an online electronic payment gateway (Payment gateway; PG). , and then transmitted from the user's terminal device to the credit server, so that the online transaction credits can be confirmed, accumulated and merged. Background technique [0002] In the current online transaction process, in order to provide real-time point services such as points, most point service companies will pre-store the combined point accumulation standards of the website in the server, and connect with the application programs of each website and share the user's login information, exchange system Each PG is built and connected with each other at 1:1, or each PG used by each website is in a state of 1:1 direct communication or ...

AI Technical Summary

Problems solved by technology

[0003] In addition, in this state, points (points) etc. are calculated and processed based on the confirmed amount of the settlement confirmation received via real-time PG, etc. Due to this complex structure, a very large maintenance cost is required to maintain the system , which restricts point service companies from entering the market and expanding the market

This is one of the problems. At the same time, there will be many problems in the combined point service between the point service company and the website due to the website’s refusal to cooperate and users’ refusal to use it due to inconvenience.

Images