System and method for payment of shopping annuity, shopping bonus, sales annuity, and sales bonus related to commercial transactions

Abstract

The invention provides a shopping annuity payment system and a shopping annuity payment method, which are used for accumulating part of sales revenue when a shopping annuity product is sold and paying shopping annuity to a purchaser in a certain time. To this end, the shopping annuity payment system related to commercial transactions of the present invention comprises: a purchase information collection module for collecting purchase information including purchaser information and payment after purchasing a shopping annuity product; the purchase code registration module is used for registering a transaction code for confirming a purchase sequence for the respective purchase information; the purchase accumulated money calculation module is used for calculating the accumulated money of the prior transaction code according to the agreed accumulation rate of each payment of the transaction code and generating purchase accumulated money information of the transaction code; a first storage module for storing shopping annuity information including purchase information in which the transaction code is registered, purchase accumulated money information of the respective transaction code, a shopping annuity payment period, a total amount of shopping annuity, and annuity start reserve fund; the shopping annuity payment module is used for analyzing the purchase accumulated money information of the transaction codes stored in the first storage module, and when the accumulated purchase accumulated money of the transaction codes reaches the annuity initial reserve money, payment is carried out; and paying the total amount of the shopping annuity to the receivers set in the purchase information registered with the transaction code in batches during the payment period of the shopping annuity. According to the invention, the shopping annuity of a certain period is paid to the purchaser who purchases the shopping annuity product by using the funds created by selling the shopping annuity product, so that the shopping burden of the consumer is reduced, and the sales of the shopping annuity product is stimulated.

Description

Technical Field

[0001] The present invention relates to a shopping annuity payment system and method for paying a shopping annuity to a purchaser in connection with a commercial transaction occurring online and offline. More specifically, the present invention relates to a shopping annuity payment system and method for accumulating a portion of the sales revenue when selling a shopping annuity product and paying a shopping annuity to a purchaser over a certain period of time. Background Art

[0002] Generally, an annuity system is a social insurance system in which workers or citizens pay a predetermined amount over a certain period of time and an annuity is paid when an insurance accident such as old age, disability, retirement, or death occurs.

[0003] Depending on the operating entity, these annuity systems are divided into public annuities, private annuities, and individual annuities.

[0004] The above-mentioned public annuities are operated by the state or a special legal person stipulated by law. In Korea, there are the National Pension, the Civil Servants' Pension, the Military Pension, the Private School Pension, etc.

[0005] In addition, private annuities are implemented to supplement public annuities and include corporate annuities and negotiated annuities.

[0006] Meanwhile, individual annuities are annuities operated by financial institutions such as life insurance companies by recruiting policyholders.

[0007] However, such existing annuity systems are operated based on the insurance premiums regularly paid by policyholders. Therefore, for those without income or with financial difficulties, there are disadvantages in that it is difficult to join and maintain.

[0008] In the case of the National Pension, although there is a system that allows suspension of insurance premium payments in the case of long-term lack of income, if the amount of insurance premiums paid is small, the annuity payment amount will also decrease accordingly. Therefore, it is difficult to expect substantial stability in old age solely relying on the National Pension.

[0009] In addition, many experts agree that if the National Pension maintains the current system, the fund will be depleted within decades. Even if the annuity payment amount is reduced or the insurance premium is increased to prevent the depletion of the fund, it is difficult to avoid unreasonable situations such as a significant increase in the burden on insured persons and a reduction in benefits.

[0010] This has drawn attention to new annuity systems or methods that can supplement or replace existing annuity systems.

[0011] For example, Korean Registered Patent No. 10-1427390 invented an annuity accumulation system that can combine the accumulated funds from online and offline commercial transactions into cash and then use the exchanged amount to join an annuity product.

[0012] However, in this annuity accumulation system, after signing a contract with a specific insurance company, the accumulated fund conversion amount is paid as an insurance premium. Therefore, there is a problem that when the accumulated fund conversion amount fails to reach the insurance premium, the shortfall needs to be paid in cash by the policyholder.

[0013] Therefore, in the case of no consumption expenditure and no accumulation of accumulated funds, the insurance premium must be paid entirely in cash, which is not much different from the existing personal annuity. Summary of the Invention

[0014] Technical Problems to be Solved In view of the above-mentioned many problems, the present invention aims to provide a shopping annuity payment system related to commercial transactions, which, after a purchaser purchases a shopping annuity product through a commercial transaction, even if the specified amount is not paid within a certain period of time, if all the reserve funds for the starting annuity are prepared through a secondary commercial transaction, pays the shopping annuity to the purchaser of the primary commercial transaction.

[0015] In addition, the second object of the present invention is to provide a shopping annuity payment method related to commercial transactions that can provide a shopping annuity for the accumulated amount of shopping purchased by a single commercial transaction rather than a purchaser, thereby promoting the consumption of the purchaser.

[0016] Technical Solutions To achieve the above first object, the shopping annuity payment system related to commercial transactions of the present invention includes: a purchase information collection module that, after purchasing a shopping annuity product, collects purchase information including purchaser information and payment amounts; a purchase code registration module for registering a transaction code for confirming the purchase order for the above-mentioned respective purchase information; a purchase accumulation calculation module that calculates the accumulation amount of the priority transaction code according to the accumulation rate agreed upon for each payment amount of the above-mentioned transaction code, and generates purchase accumulation information for the transaction code; a first storage module for storing shopping annuity information including purchase information registered with the above-mentioned transaction code, purchase accumulation information for the above-mentioned respective transaction codes, the shopping annuity payment period, the total shopping annuity amount, and the annuity starting reserve; and a shopping annuity payment module for analyzing the purchase accumulation information for the respective transaction codes stored in the above-mentioned first storage module, and when the cumulative purchase accumulation amount of the transaction code reaches the annuity starting reserve, paying the total shopping annuity amount in installments during the shopping annuity payment period to the recipient set in the purchase information registered with the above-mentioned transaction code.

[0017] In addition, to achieve the above second objective, the shopping annuity payment method related to commercial transactions of the present invention includes: a setting step of storing shopping annuity information including a shopping annuity payment period, a total shopping annuity amount, and an annuity start reserve in a first storage module; a sales information collection step of collecting, by the above-mentioned purchase information collection module, purchase information of a purchaser of the shopping annuity product and a payment amount from the above-mentioned online mall server or the above-mentioned offline franchise store terminal; a code registration step of registering a transaction code for confirming the purchase order of the above-mentioned purchase information by the above-mentioned purchase code registration module and storing it in the above-mentioned first storage unit; an accumulated amount calculation step of calculating, by the above-mentioned purchase accumulated amount calculation module, the accumulated amount of each priority transaction code according to the accumulation rate agreed upon for each payment of the above-mentioned transaction code, and generating purchase accumulated amount information for each transaction code; and an annuity payment step of analyzing, by the above-mentioned shopping annuity payment module, the purchase accumulated amount information of each transaction code stored in the first storage module, and when the cumulative purchase accumulated amount of the transaction code reaches the annuity start reserve, sending the total shopping annuity amount to the recipient set in the purchase information registered for the above-mentioned transaction code.

[0018] Advantageous Effects According to the present invention, by using the funds created from selling shopping annuity products to pay shopping annuities to purchasers of shopping annuity products for a certain period, the shopping burden of consumers is reduced, and the sales of shopping annuity products are stimulated.

[0019] In addition, the present invention uses the funds generated from selling annuity products to pay sales annuities to sellers of annuity products for a certain period, so as to obtain more amount as annuity provision than the amount deducted when selling annuity products.

[0020] Meanwhile, in the present invention, shopping annuity recipients with a high shopping bonus payment rate earn income through shopping, so more purchases of shopping annuity products can be guided.

[0021] In addition, instead of giving vested rights according to the joining order of shopping annuity services, the present invention registers a code for each purchase of a shopping annuity product and pays specified shopping annuities according to the respective codes, thus providing an opportunity to obtain shopping annuities fairly for anyone.

[0022] In addition, since the time for paying shopping annuities is advanced as the number of purchasers of shopping annuity products increases, purchasers of shopping annuity products can be guided to promote shopping annuity services. Brief Description of the Drawings

[0023] Figure 1 is a structural diagram for explaining the shopping annuity payment system according to the present invention.

[0024] Figure 2 It is a block diagram for explaining the shopping annuity payment system according to the present invention.

[0025] Figure 3 It is a schematic diagram showing a binary tree structure sorted according to the purchase order of purchase information.

[0026] Figure 4 and Figure 5 It is a schematic diagram showing the code closing of the payment code for repositioning the cumulative annuity start reserve through the binary tree structure.

[0027] Figure 6 It is a flowchart for explaining the shopping annuity payment method according to the present invention. Detailed implementation manners

[0028] Hereinafter, with reference to the accompanying drawings, a shopping annuity payment system related to commercial transactions according to a preferred embodiment of the present invention (hereinafter referred to as "shopping annuity payment system") will be described in detail.

[0029] Figure 1 It is a structural diagram for explaining the shopping annuity payment system according to the present invention, Figure 2 It is a block diagram for explaining the shopping annuity payment system according to the present invention.

[0030] Reference Figure 1 and Figure 2 , the shopping annuity payment system according to the present invention includes: a user terminal 100, connected to a wired and wireless communication network (hereinafter referred to as "communication network"); an online shopping mall server 200, which sells shopping annuity products in order to enable users of the above user terminal 100 to purchase shopping annuity products online, and when a user purchases a shopping annuity product, sends purchase information including purchaser information and payment through the communication network; an annuity management server 300, which collects purchase information including the above purchaser information and payment, registers transaction codes, calculates the cumulative amounts of the respective priority transaction codes at the cumulative rate agreed upon for each payment in the above transaction codes, generates purchase cumulative amount information for the respective transaction codes, and when the cumulative purchase cumulative amount of a transaction code reaches the annuity start reserve, pays the total shopping annuity amount in installments during the shopping annuity payment period; an offline franchise store terminal 400, which sends purchase information including purchaser information and payment of a purchaser who purchases a shopping annuity product offline through the communication network. At this time, the shopping annuity product refers to products and services related to the shopping annuity service.

[0031] Hereinafter, each component will be described in more detail with reference to the accompanying drawings.

[0032] Reference Figure 1 and Figure 2 , the shopping annuity payment system according to the present invention includes a user terminal 100.

[0033] To participate in the shopping annuity service related to commercial transactions, the user terminal 100 receives the personal identification number (ID) information input by the user and receives the information of the recipient of the shopping annuity. The above ID information and recipient information are sent to the online shopping mall server 200 or the annuity management server 300 that sells the shopping annuity product through a communication network.

[0034] In addition, when the above ID information and recipient destination information are provided from the user terminal 100 to the online shopping mall server 200, the online shopping mall server 200 sends the ID information and recipient destination information to the annuity management server 300.

[0035] The above ID information may include one or more of the user's date of birth, the user's address, the user's telephone number, the user's email address, the ID and password for login.

[0036] The above recipient information may include financial account information such as a bank account and a brokerage account.

[0037] In addition, the user terminal 100 generates purchase request information for the shopping annuity target selected by the user and sends it to the online shopping mall server 200.

[0038] In addition, after purchasing the shopping annuity product, the user terminal 100 sets the recipient of the shopping annuity and the recipient of the shopping bonus to be different and sends it to the online shopping mall server 200. For example, when the user terminal 100 purchases the shopping annuity product as a gift through the online shopping mall server 200, the gift recipient can be selected as the shopping annuity recipient, and the purchaser can be selected as the shopping annuity recipient.

[0039] Such a user terminal 100 refers to a means connected to the annuity management server 300 that provides the shopping annuity service through a wireless communication network including multiple base stations and base station controllers, a mobile communication switch, a WAP gateway, etc. and a wired communication network such as the Internet, and wireless terminals and wired terminals can be used.

[0040] At this time, the wireless terminal can be a smart phone, a tablet computer, a notebook computer, etc., and the wired terminal can be a personal computer with Internet access means, a communication terminal, a smart TV, etc.

[0041] As needed, the user terminal 100 can install an annuity service application program, which can be connected to the annuity management server 300, register as a member to obtain the shopping annuity service, and guide the user to the online mall and offline franchise stores that sell the shopping annuity product. In addition, the annuity service application program can be connected to the annuity management server 300 and display the information of the shopping annuity products directly sold by the annuity server.

[0042] Reference Figure 1 and Figure 2 , the shopping annuity payment system according to the present invention includes an online shopping mall server 200.

[0043] The above-mentioned online shopping mall server 200 is connected to the user terminal 100 through a communication network, is connected to the annuity management server 300 through a wired or wireless short-distance connection, or is connected to the annuity management server 300 through a communication network over a long distance, and displays information on the shopping annuity products sold on the web page.

[0044] In addition, the online shopping mall server 200 sells shopping annuity products. When a shopping annuity product is purchased through the user terminal 100, purchaser information is generated using the ID information of the user of the user terminal 100, and purchase information including the purchaser information and payment is sent to the annuity management server 300 through the communication network. At this time, the purchaser information may include a personal identification code.

[0045] In addition, the purchase information may further include the name of the shopping annuity product, the settlement amount, the settlement time, the purchase cost, etc.

[0046] In addition, the online shopping mall server 200 sells the annuity products to be sold. When selling the annuity products to be sold, seller information of the annuity products to be sold provided to the online shopping mall server 200 is generated, and sales information including the above-mentioned seller information and payment is sent to the annuity management server 300 through the communication network. At this time, the sales information may include the name of the sold annuity product, the payment amount, the payment time, the profit rate, the purchase cost, etc.

[0047] In addition, the sold annuity products may be composed of the same products as the shopping annuity products. In this case, when an annuity product to be sold is purchased through the user terminal 100, the online shopping mall server 200 sends the purchase information, purchaser information, sales information, and seller information to the annuity management server 300 through the communication network.

[0048] Refer to Figure 1 and Figure 2 , the shopping annuity payment system according to the present invention includes an annuity management server 300.

[0049] The above-mentioned annuity management server 300 provides a shopping annuity service. For this purpose, it is connected to the user terminal 100, the online shopping mall server 200, and the offline franchise store terminal 400. In this case, the annuity management server 300 stores the ID information and recipient information sent from the user terminal 100, the online shopping mall server 200, or the offline franchise store terminal 400 in the customer database DB of the shopping annuity service.

[0050] In this way, the annuity management server 300 directly receives the ID information and recipient information from the user terminal 100, or indirectly receives the ID information and recipient information through the online shopping mall server 200 or the offline franchise store terminal 400.

[0051] As needed, the annuity management server 300 can deposit the annuity start reserve funds prepared for the shopping annuity service into a bank account or a securities company account to obtain operating profits. For this purpose, the annuity management server 300 has an operation department (not shown), which automatically transfers the sales revenue of the payment deposited into the public financial account of the annuity system to the annuity operation financial account, excluding daily operating expenses. At this time, the operation department transfers part of the expenses in the annuity operation financial account to the annuity public financial account at the request of the shopping annuity management department 310 and the sales annuity management department 320 for annuity payment.

[0052] At the same time, the annuity management server 300 can provide a sales annuity service. For this purpose, it is connected to the user terminal 100, the online shopping mall server 200, and the offline franchise store terminal 400. In this case, the annuity management server 300 stores the ID information and recipient information sent from the user terminal 100, the online shopping mall server 200, or the offline franchise store terminal 400 in the customer database DB of the sales annuity service.

[0053] When purchase information including the purchaser information and payment is sent from the above-mentioned online shopping mall server 200 or offline franchise store terminal 400, the above-mentioned annuity management server 300 registers a transaction code capable of confirming the purchase order in the above-mentioned purchase information, and then stores the purchase information with the registered transaction code in the shopping annuity product transaction database.

[0054] Then, the annuity management server 300 calculates the cumulative amount of the priority transaction code according to the cumulative rate agreed for each settlement amount in the transaction code. When the cumulative purchase amount accumulated by the transaction code reaches the annuity start reserve, the total shopping annuity is paid to the purchaser in installments during the shopping annuity payment period.

[0055] When sales information including the seller information and payment is sent from the online shopping mall server 200 or offline franchise store terminal 400, the above-mentioned annuity management server 300 registers a transaction code capable of confirming the purchase order in the above-mentioned sales information, and then stores the sales information with the registered transaction code in the annuity product transaction database DB to be sold.

[0056] Then, the annuity management server 300 calculates the cumulative amount of the priority transaction code according to the cumulative rate agreed for each settlement payment in the transaction code. When the cumulative sales amount accumulated by the transaction code reaches the annuity start reserve, the total sales annuity is paid to the seller in installments.

[0057] On the other hand, when the shopping annuity product and the sales annuity product are the same, and the shopping annuity service and the sales annuity service are provided simultaneously through the commercial transaction of the product, the single transaction code for providing the shopping annuity service and the sales annuity service is registered in the purchase information and the sales information respectively.

[0058] In this way, in a single commercial transaction, the shopping annuity, the shopping bonus, the sales annuity, and the sales bonus may all correspond, or only a part of them may correspond.

[0059] Moreover, the annuity management server 300 divides the annuity starting reserve established through the secondary commercial transaction for use in the shopping annuity, the shopping bonus, the sales annuity, and the sales bonus.

[0060] For example, when the agreed shopping annuity amount is a, the agreed shopping bonus amount is b, the agreed sales annuity amount is c, the agreed sales bonus amount is d, and the total amount of the annuity starting reserve created weekly is e, the shopping annuity allocation is a / e, the shopping bonus is b / e, the sales annuity is c / e, and the sales bonus is d / e.

[0061] In addition, the amounts of the above-mentioned shopping annuity, shopping bonus, sales annuity, and sales bonus are determined at the time of generating the transaction code. At the time of generating the transaction code, the shopping annuity amount and the recipient, the shopping bonus amount and the recipient, the sales annuity amount and the recipient, and the sales bonus amount and the recipient are specified. If the savings from the secondary transaction are accumulated in the primary transaction code, the savings are allocated to their respective annuities and bonuses, thereby accumulating the annuities and paying the bonuses. Additionally, since it is allocated proportionally, the shopping annuity, the shopping bonus, the sales annuity, and the sales bonus are the same when the transaction code is closed.

[0062] The above-mentioned annuity management server 300 pays the shopping annuity and the sales annuity in equal amounts within a predetermined period. However, if it is difficult to make installment payments within the predetermined period due to financial management difficulties and computer failures, it can be automatically extended.

[0063] In a specific embodiment, the annuity management server 300 according to the present invention includes a communication unit (not shown) and a shopping annuity management unit 310, and may also selectively include a sales annuity management unit 320.

[0064] The communication unit constituting the annuity management server 300 according to the present invention is connected to the user terminal 100, the online shopping mall server 200, and the offline franchise store terminal 400 through a communication network, and receives the ID registration information and the recipient information from the user terminal 100, the online shopping mall server 200, or the offline franchise store terminal 400, and stores them in the customer database.

[0065] In addition, the communication unit receives purchase information from the online shopping mall server 200 or the offline franchise store terminal 400 and stores it in the shopping annuity product transaction DB. At this time, the purchase information includes purchaser information and payment.

[0066] In addition, the communication unit receives sales information provided from the online shopping mall server 200 or the offline franchise store terminal 400 and stores it in the sales annuity product transaction database. At this time, the sales information includes seller information and payment.

[0067] The shopping annuity management unit 310 constituting the annuity management server 300 according to the present invention provides a shopping annuity service, including a purchase information collection module 311, a purchase code registration module 312, a purchase accumulation fund calculation module 313, a first storage module 314, a shopping annuity payment module 315, and may also selectively include a shopping bonus payment module 316.

[0068] The above purchase information collection module 311 collects purchase information including purchaser information and payment when a shopping annuity product is purchased, and detects the purchase information stored in the first storage module 314 after being provided from the online shopping mall server 200 or the offline franchise store server.

[0069] For example, the purchase information collection module 311 can be connected to the online shopping mall server 200 that purchases the shopping annuity product through the communication unit and collect purchase information from the above online shopping mall server 200.

[0070] In addition, the purchase information collection module 311 can be connected to the payment terminal of the offline franchise store that purchases the shopping annuity product through the communication unit and collect purchase information from the above payment terminal.

[0071] The purchase code registration module 312 registers a transaction code for confirming the purchase order of each purchase information and stores the purchase information with the registered transaction code in the first storage module 314.

[0072] Figure 3 It is a schematic diagram showing a binary tree structure sorted according to the purchase order of the purchase information.

[0073] The above purchase accumulation fund calculation module 313 calculates the savings for each transaction code registered in the purchase information at a cumulative rate agreed upon for each payment, and generates purchase savings information for each transaction code, as Figure 3 shown, a binary tree structure can be used. At this time, the binary tree structure refers to a layout structure where the number of positions doubles for each layer starting from the vertex, as Figure 3 shown.

[0074] Reference Figure 3, the purchase accumulation amount calculation module 313 is configured to arrange the respective transaction codes in a binary tree structure according to the purchase order, calculate the accumulation amount based on the accumulation rate of each payment agreement in the transaction code, and generate purchase accumulation amount information for accumulating the above-mentioned accumulation amount for the respective transaction codes of the priorities connected in the tree.

[0075] For example, the accumulation amounts generated by the transaction codes of the 8th and 9th priorities are respectively accumulated into the transaction codes of the 1st, 2nd, and 4th priorities connected by the tree (line), and the accumulation amounts generated by the transaction codes of the 12th and 13th priorities are accumulated into the transaction codes of the 1st, 3rd, and 6th priorities connected by the tree (line).

[0076] That is, when the agreed accumulation rate is 2%, the 20,000 yuan (1 million yuan * 0.02) of accumulation amount generated by the transaction code of the 10th priority is respectively accumulated into the transaction codes of the 1st, 2nd, and 5th priorities, and the 1,000 yuan (500,000 yuan * 0.02) of accumulation amount generated by the transaction code of the 13th priority is respectively accumulated into the transaction codes of the 1st, 2nd, and 5th priorities.

[0077] Meanwhile, the purchase accumulation amount calculation module 313 can determine the amount after deducting value-added tax from the payment as the amount for calculating savings. For example, if the payment amount is 110,000 Korean won, as in Figure 3 the 6th priority, and the agreed accumulation rate is 2%, then the purchase accumulation amount calculation module 313 generates a purchase accumulation amount of 2,000 Korean won and generates purchase accumulation amount information for accumulating into the transaction codes of the above-mentioned 1st and 3rd priorities respectively.

[0078] As an embodiment, when providing purchase information through the online shopping mall server operated by the provider of the shopping annuity service, the purchase accumulation amount calculation module 313 according to the present invention deducts the purchase cost from the payment of the shopping annuity product, calculates the sales revenue, and adds the above-mentioned sales revenue to the shopping annuity payment reserve stored in the first storage module 314.

[0079] In another embodiment, when receiving purchase information through the offline franchise store terminal 400, the purchase accumulation amount calculation module 313 according to the present invention calculates the agreed franchise store affiliated fees for each payment of the transaction code registered in the purchase information, and adds the above-mentioned franchise store affiliated fees to the shopping annuity payment reserve stored in the first storage module 314. At this time, the franchise store affiliated fees can be determined to be 5% to 20% of the payment, but not limited thereto. In addition, the purchase accumulation amount calculation module 313 uses the amount after deducting value-added tax from the payment to calculate the franchisee affiliated fees.

[0080] In this way, when a shopping annuity product is traded, the purchase accumulation calculation module 313 generates purchase accumulation information for accumulating the above-mentioned accumulation amount according to the priority transaction code after calculating the accumulation amount, and adds it to the shopping annuity payment reserve after calculating the sales profit or franchise fee.

[0081] The above-mentioned first storage module 314 stores shopping annuity information including the shopping annuity payment period, the total shopping annuity amount, and the annuity starting reserve, purchase information registered with the transaction code, and purchase savings information, and can use an HDD (Hard Disk Drive) or an SSD (Solid State Disk), etc. As required, the shopping annuity information may also include an agreed payment accumulation rate.

[0082] The above-mentioned total shopping annuity amount is preferably 50% to 100% of the settlement amount excluding VAT, but is not limited thereto.

[0083] For example, if the total shopping annuity amount is 100% of the settlement amount excluding VAT and the settlement amount is 110,000 yuan, the purchaser of the shopping annuity product will receive a total of 100,000 yuan in shopping annuities in installments.

[0084] In addition, the first storage module 314 can store new member information with the personal identification code assigned to the purchaser information registered as the referrer.

[0085] When the purchase savings accumulated in the transaction code reach the annuity starting reserve calculated when generating the transaction code, the above-mentioned shopping annuity payment module 315 pays the shopping annuity to the purchaser assigned the transaction code in installments.

[0086] Among them, if the shopping annuity of the above-mentioned transaction code is 100,000 yuan, the shopping bonus is 50,000 yuan, and the sales annuity and sales bonus are zero, the annuity starting reserve of the transaction code is determined to be 150,000 yuan. If the shopping annuity of the transaction code is 100,000 Korean won, the shopping bonus is 50,000 Korean won, the sales annuity is 200,000 Korean won, and the sales bonus is 50,000 Korean won, the annuity starting reserve of the transaction code is determined to be 400,000 Korean won.

[0087] In addition, the shopping annuity payment module 315 analyzes the purchase accumulation information of each transaction code stored in the first storage module. When the cumulative purchase accumulation of the transaction code reaches the annuity starting reserve, the total shopping annuity amount is paid to the recipient set in the purchase information registered with the above-mentioned transaction code in batches during the shopping annuity payment period. The payment period of the shopping annuity is preferably 12 months to 36 months, but is not limited thereto.

[0088] Figure 4 and Figure 5 is a schematic diagram showing the code closing of the payment code for repositioning the cumulative annuity starting reserve through a binary tree structure.

[0089] When the savings accumulated in the top transaction code ① in the binary tree structure reach the annuity starting reserve, the above-mentioned shopping annuity payment module 315 extracts the top transaction code ① from the binary tree structure, as Figure 4 shown, deletes (closes the code) and rearranges the positions of the secondary transaction codes. At this time, the positioning can be readjusted weekly.

[0090] In addition, if the accumulated amount of the priority transaction code in the binary tree structure does not reach the annuity starting reserve, while the accumulated amount of the secondary transaction code reaches the annuity starting reserve, the shopping annuity payment module 315 removes the secondary transaction code (closes the code) from the binary tree structure and rearranges the positions of the remaining transaction codes, as Figure 5 shown.

[0091] For example, Figure 5 if the settlement amount of the first priority is 1 million won and the settlement amount of the second priority is 30,000 won, and the total shopping annuity and total shopping bonus of the first priority and the second priority are 100% respectively, then the annuity starting reserve of the first priority is determined to be 2 million won, and the annuity starting reserve of the second priority is determined to be 60,000 won.

[0092] And, when the agreed accumulation rate is 2%, in the second priority transaction code, the accumulated amounts generated by the fourth priority transaction code of 20,000 won (1 million won * 0.02), the accumulated amount generated by the fifth priority transaction code of 600 won (30,000 won * 0.02), the accumulated amount generated by the eighth priority transaction code of 2,000 won (100,000 won * 0.02), the accumulated amount generated by the ninth priority transaction code of 2,000 won (100,000 won * 0.02), the accumulated amount generated by the tenth priority transaction code of 20,000 won (1 million won * 0.02), and the accumulated amount generated by the eleventh priority transaction code of 20,000 won (1 million won * 0.02) are accumulated, so that the annuity starting reserve of the second priority is satisfied in the two stages (the fourth priority, the fifth priority, the eighth priority, the ninth priority, the tenth priority, the eleventh priority) of the binary tree structure.

[0093] On the contrary, the accumulated amount accumulated in the first priority transaction code does not reach the annuity starting reserve of 2 million yuan even if it accumulates to the third stage (the second priority to the fifteenth priority) of the binary tree structure. Therefore, the accumulated amount accumulated in the second priority transaction code will reach the annuity starting reserve first, resulting in the situation where the second priority transaction code is de-coded before the first priority transaction code.

[0094] In this way, since the payment amounts of the individual transaction codes may be different, even if the order of the transaction codes is later, if the payment amount of the transaction code is small, as Figure 5 shown, there may also be a situation of de-coding before the priority transaction code.

[0095] The above-mentioned shopping bonus payment module 316 analyzes the number of members recommended and joined by the purchasers of the shopping annuity product, and pays the shopping bonus independently of the shopping annuity every week until the agreed amount (total shopping bonus) is reached.

[0096] For example, the shopping bonus payment module 316 pays the shopping bonus accumulated by the secondary transaction codes connected to the binary tree structure every week starting from two weeks after the completion of the transaction of the shopping annuity product.

[0097] Therefore, the shopping bonus payment module 316 pays the weekly accumulated shopping bonus to the purchasers of the shopping annuity product, so the amount of the shopping bonus can vary weekly.

[0098] In addition, after purchasing the shopping annuity product, the shopping bonus payment module 316 analyzes the purchaser information and the new member information, detects the number of referrals recommended and joined by the purchaser of the shopping annuity product within the previous specified time period, and calculates the shopping bonus at the agreed payment rate based on the number of referrals. At this time, the shopping bonus payment module 316 uses the amount after deducting value-added tax from the payment to calculate the shopping bonus. In addition, the above-mentioned specified period can be set from 6 months to 12 months, but is not limited thereto.

[0099] For example, the shopping bonus payment module 316 can calculate 6 months to 12 months as the recruitment period for recommended members before the commercial transaction, as shown in Table 1 below. Therefore, the shopping bonus payment module 316 can apply any one of the first stage, the second stage, or the third stage according to the settings of the administrator to calculate the shopping bonus of 0% to 200%. At this time, the first stage to the third stage can be determined according to the number of personnel of the shopping annuity service and the service operation profit.

[0100] As needed, the shopping bonus payment module 316 can pay all the shopping bonus in cash to the recipient of the purchase information, or pay a part of it in cash to the recipient, and pay the rest as shopping accumulation funds for purchasing the shopping annuity product. For example, the shopping bonus payment module 316 pays up to 100% of the shopping bonus in cash, and pays the part exceeding 100% as shopping accumulation funds.

[0101] Therefore, the shopping bonus payment module 316 can pay a part of the shopping bonus in cash to the financial account, and pay the rest to the account of the online shopping mall as shopping accumulation funds through the online shopping mall server 200.

[0102] The sales annuity management unit 320 that constitutes the annuity management server 300 according to the present invention provides a sales annuity service, including a sales information collection module 321, a sales code registration module 322, a sales accumulation fund calculation module 323, a second storage module 324, a sales annuity payment module 325, and may also selectively include a sales bonus payment module 326.

[0103] The above-mentioned sales information collection module 321 collects sales information when selling annuity products and detects the sales information provided by the online shopping mall server 200 or the offline franchise store server. At this time, the sales information includes seller information and payment.

[0104] For example, the sales information collection module 321 can be connected to the online shopping mall server 200 that purchases annuity products through the communication unit and collect sales information from the online shopping mall server 200.

[0105] In addition, the sales information collection module 321 can be connected to the payment terminal of the offline franchise store that sells annuity products through the communication unit and collect sales information from the above payment terminal.

[0106] As needed, when the sales information provided by the online shopping mall server 200 or the offline franchise store server is stored in the second storage module 324, the sales information collection module 321 detects the sales information from the second storage module 324.

[0107] The above-mentioned sales code registration module 322 registers a transaction code for confirming the sales order of each sales information and stores the sales information registered with the transaction code in the second storage module 324.

[0108] The above-mentioned sales accumulation fund calculation module 323 calculates the accumulation funds of each priority transaction code at the agreed accumulation rate for each payment of the transaction code registered in the sales information, and generates sales accumulation fund information for each transaction code. A binary tree structure can be used.

[0109] The sales accumulation fund calculation module 323 is configured to arrange each transaction code in a binary tree structure according to the sales order, calculate the accumulation funds for each payment in the transaction code at the agreed accumulation rate, and generate sales accumulation fund information for each transaction code with the above-mentioned accumulated accumulation funds connected in the tree.

[0110] In addition, the sales accumulation fund calculation module 323 uses the amount after deducting value-added tax from the settlement as the amount for calculating the accumulation funds. For example, when the payment amount is 11,000 won and the agreed accumulation rate is 20%, the sales accumulation fund calculation module 323 generates sales accumulation fund information that accumulates 2,000 won as the sales accumulation fund to the priority transaction code.

[0111] In addition, the sales accumulation fund calculation module 323 according to the present invention calculates the sales annuity service fee for each payment agreement of the transaction code registered in the sales information, and calculates the sales annuity service fee in the sales annuity payment reserve stored in the second storage module 324. At this time, the sales annuity service fee can be determined to be 5% to 30% of the payment, but is not limited thereto. In addition, the sales annuity calculation module 323 uses the amount obtained by deducting the value-added tax from the payment to calculate the sales annuity service cost.

[0112] Therefore, when a sales annuity product is sold, after calculating the accumulation fund, the sales accumulation fund calculation module 323 generates sales accumulation fund information that accumulates the above accumulation fund according to the priority transaction code, and after calculating the sales annuity service fee, adds the above sales annuity service fee to the sales annuity payment reserve.

[0113] Therefore, offline franchisees joining the sales annuity service do not need to pay 20% of the settlement amount as the cost of providing the sales annuity service. As the sales annuity, 50% - 100% of the total settlement amount is divided for sales annuity provision.

[0114] The above second storage module 324 stores sales annuity information including the sales annuity payment period, the total sales annuity amount, and the annuity start reserve, sales information registered with the transaction code, and sales accumulation fund information, and can use an HDD, an SSD, etc.

[0115] As needed, the second storage module 324 can be composed of the first storage module 314 and a single storage device.

[0116] In addition, the second storage module 324 can store the profit rate of the sales annuity product.

[0117] In addition, the above total sales annuity amount is preferably 0% to 100% of the settlement amount excluding the value-added tax amount, but is not limited thereto.

[0118] When a predetermined condition of the priority transaction code is satisfied, the above sales annuity payment module 325 pays the sales annuity for a period of time to the above transaction code, and this period is preferably 36 months to 60 months, but is not limited thereto.

[0119] The sales annuity payment module 325 analyzes the sales accumulation fund information of each transaction code stored in the second storage module 324. When the cumulative sales accumulation fund of the transaction code reaches the annuity start reserve, the total sales annuity amount is paid in installments to the recipient set in the sales information registered with the above transaction code during the sales annuity payment period.

[0120] The above-mentioned sales annuity completes the accumulation of the sales accumulation amount when the accumulated sales accumulation amount in the transaction code reaches the annuity start reserve amount. The sales annuity can be paid starting from the month following the month when the accumulation of the sales accumulation amount is completed.

[0121] Similar to the above-mentioned shopping annuity payment module 315, when the accumulation in the top transaction code in the binary tree structure reaches the annuity start reserve amount, the sales annuity payment module 325 removes the top transaction code from the binary tree structure (code closure) and rearranges the positions of the secondary transaction codes. At this time, the positioning can be readjusted weekly.

[0122] The above-mentioned sales bonus payment module 326 analyzes the contribution rate of the financial assistance of the shopping annuity service and pays the installment sales bonus weekly until the agreed amount (total sales bonus) is reached. For example, two weeks after the completion of the transaction of the sales annuity target product, the sales bonus payment module 326 pays the sales bonus accumulated by the secondary transaction codes connected by the binary tree structure weekly.

[0123] Therefore, the sales bonus payment module 326 pays the weekly accumulated sales bonus to the seller of the sales annuity product, so the amount of the sales bonus can vary weekly.

[0124] In addition, when the sales annuity product is sold, the sales bonus payment module 326 detects the profit margin of the sales annuity product sold through the second storage module 324 and calculates the sales bonus at the agreed payment rate based on the above-mentioned profit margin. At this time, the sales bonus payment module 326 uses the amount obtained by deducting value-added tax from the payment to calculate the sales bonus.

[0125] For example, when the profit margin of the sales price is greater than or equal to 30% and less than 35%, the sales bonus payment module 326 applies a 10% sales bonus payment rate to calculate the total sales bonus. When the profit margin is greater than or equal to 35% and less than 40%, a 20% sales bonus payment rate is applied to calculate the total sales bonus. When the profit margin is greater than or equal to 40% and less than 50%, a 35% sales bonus payment rate is applied to calculate the total sales bonus. When the profit margin is greater than or equal to 60%, a 50% sales bonus payment rate is applied to calculate the total sales bonus. When the profit margin is greater than 60% and less than 80%, a 65% sales bonus payment rate is applied to calculate the total sales bonus. When the profit margin is above 80%, the total sales bonus is calculated at an 80% sales bonus payment rate.

[0126] Therefore, the total sales bonus is preferably 0% to 100% of the settlement amount excluding value-added tax, but is not limited thereto.

[0127] Meanwhile, the Sales Annuity Management Department 320 may also include a sales payment disbursement module. This sales payment disbursement module provides the function of depositing the amount into the preset financial account of the offline franchise owner after deducting the preset sales annuity service fee when the payment for the sales of annuity products by the offline franchise is deposited into the designated financial account.

[0128] For example, when the settlement amount of 110,000 yuan for the sales of annuity products arrives, the sales payment disbursement module deposits 90,000 yuan (after deducting the sales annuity service fee of 20,000 yuan (20%)) from the 110,000 yuan into the preset financial account of the offline franchise owner.

[0129] In this case, instead of paying 20,000 yuan as the sales annuity service fee first, the offline franchise owner will receive a total of 100,000 yuan in sales annuities in installments later.

[0130] Reference Figure 1 and Figure 2 , the shopping annuity payment system according to the present invention includes an offline franchise terminal 400.

[0131] The above-mentioned offline franchise terminal 400 is connected to the annuity management server 300 through a communication network and is installed in an offline franchise that provides shopping annuity services or sells annuity services.

[0132] These offline franchises sell shopping annuity products. When a customer purchases a shopping annuity product on-site, the ID information provided to the purchaser is input into the offline franchise terminal 400 to generate purchaser information, and the purchase information including the above-mentioned purchaser information and payment is sent to the annuity management server 300 through the communication network. At this time, the purchase information may include the name of the shopping annuity product, the payment amount, the payment time, the profit rate, the cost, the selling price, etc.

[0133] In addition, the offline franchises sell sales annuity products. When a sales annuity product is sold to a customer on-site, the offline franchise terminal 400 sends the sales information including the seller information and payment to the annuity management server 300 through the communication network. At this time, the sales information may include the name of the sales annuity product, the payment amount, the payment time, etc.

[0134] These offline franchise terminals 400 can be PDAs, IMT-2000, smartphones, laptops, tablets, communication terminals, etc.

[0135] Figure 6 is a flowchart for explaining the shopping annuity payment method according to the present invention. Meanwhile, the method of paying for shopping annuities using the shopping annuity payment system including the above components will be referred to Figure 6 as follows.

[0136] Reference Figure 6, the shopping annuity payment method of the present invention includes: a setting step S100 of setting shopping annuity information so as to provide shopping annuities to purchasers of shopping annuity products; a sales information collection step S200 of collecting purchase information including the purchaser information and payment of shopping annuity products; a code registration step S300 of registering a transaction code to check the purchase order of respective purchase information; an accumulated amount calculation step S400 of calculating an accumulated amount at a predetermined accumulation rate based on the payment of respective purchase information; and an annuity payment step S500 of paying the total amount of shopping annuities in batches to purchasers who meet the shopping annuity start conditions of the purchase advice.

[0137] In the setting step S100 that constitutes the shopping annuity payment method according to the present invention, shopping annuity information including the shopping annuity payment period, the total amount of shopping annuities, and the annuity start reserve is stored in the first storage module 314 so as to provide shopping annuity services. As required, the shopping annuity information may include the purchase accumulated amount and the accumulation rate of the payment.

[0138] That is, in the setting step S100, the operator of the annuity management server 300 inputs, through the input device of the annuity management server 300, shopping annuity information including the accumulation rate of the purchase accumulated amount for payment, the shopping annuity payment period, the total amount of shopping annuities, and the annuity start reserve, and stores it in the first storage module 314 of the shopping annuity management unit 310.

[0139] In addition, in the setting step S100, sales annuity information including the sales annuity payment period, the total amount of sales annuities, and the annuity start reserve may be stored in the second storage module 324 so as to provide sales annuity services. As required, the sales annuity information may include the accumulation rate of the sales accumulated amount of the payment.

[0140] That is, in the setting step S100, the operator of the annuity management server 300 inputs, through the input device of the annuity management server 300, sales annuity information including the accumulation rate of the sales accumulated amount for payment, the sales annuity payment period, the total amount of sales annuities, and the annuity start reserve, and stores it in the second storage module 324 of the sales annuity management unit 320.

[0141] In such a setting step S100, the profit margin of the sales annuity product may be stored in the second storage module 324.

[0142] In the sales information collection step S200 that constitutes the shopping annuity payment method of the present invention, the purchase information collection module 311 of the shopping annuity management unit 310 collects purchase information including the purchaser information and payment of shopping annuity products from the online shopping mall server 200 or the offline franchise store terminal 400 so as to provide shopping annuity services.

[0143] As needed, in the sales information collection step S200, in order to provide sales annuity services, the sales information collection module 321 of the sales annuity management department 320 collects seller information and payment sales information including sales annuity products from the online shopping mall server 200 or the offline franchise store terminal 400.

[0144] In the code registration step S300 that constitutes the shopping annuity payment method according to the present invention, in order to be able to provide shopping annuity services, the purchase code registration module 312 of the shopping annuity management department 310 can check the purchase order of each purchase information, register the transaction code, and store it in the first storage repository.

[0145] As needed, in the code registration step S300, in order to provide sales annuity services, the sales code registration module 322 of the sales annuity management department 320 registers the transaction code for confirming the sales order of each sales information and stores it in the second storage module 324.

[0146] In the cumulative amount calculation step S400 that constitutes the shopping annuity payment method according to the present invention, in order to be able to provide shopping annuity services, the purchase cumulative amount calculation module 313 of the shopping annuity management department 310 calculates the cumulative amount at a pre-agreed cumulative rate based on each payment of the purchase information and generates purchase cumulative amount information.

[0147] As needed, in the cumulative amount calculation step S400, in order to provide sales annuity services, the sales cumulative amount calculation module 323 of the sales annuity management department 320 calculates the cumulative amount at a pre-agreed cumulative rate based on each payment of the sales information and generates sales cumulative amount information.

[0148] In the annuity payment step S500 that constitutes the shopping annuity payment method according to the present invention, in order to provide shopping annuity services, the shopping annuity payment module 315 of the shopping annuity management department 310 analyzes the purchase cumulative amount information based on the transaction code stored in the first storage module 314. When the cumulative purchase cumulative amount of the transaction code reaches the annuity start reserve, the total shopping annuity amount is paid in batches to the recipient set in the purchase information registered with the above transaction code during the shopping annuity payment period.

[0149] As needed, in the annuity payment step S500, in order to provide sales annuity services, the sales annuity payment module 325 of the sales annuity management department 320 analyzes the sales cumulative amount information of each transaction code stored in the second storage module 324. When the cumulative sales cumulative amount of the transaction code reaches the annuity start reserve, the total sales annuity amount is paid in batches to the recipient set in the sales information registered with the above transaction code during the sales annuity payment period.

[0150] The shopping annuity payment method according to the present invention may further include a step of collecting referrer information before the annuity payment step.

[0151] In the above referrer information collection step, in order to be able to provide a shopping annuity service (paying shopping bonuses), the membership information registration module of the shopping annuity management department 310 registers the personal identification code assigned to the purchaser information as the new member information of the referrer, and the purchase information collection module 311 collects and stores it in the first storage module 314 from the online mall server 200 or the offline franchise store terminal 400.

[0152] The shopping annuity payment method according to the present invention may further include a step of calculating shopping bonuses after the annuity payment step.

[0153] In the above shopping bonus calculation step, in order to provide a shopping annuity service (shopping bonus payment), after purchasing a shopping annuity product, the shopping bonus payment module 316 of the shopping annuity management department 310 analyzes the purchaser information and the new member information, detects the referrers who were recommended to join by the purchaser of the shopping annuity product within a previous specified time period, and calculates the shopping bonuses at a predetermined payment rate based on the number of the above referrers relative to the settlement amount.

[0154] The shopping annuity payment method according to the present invention may further include a step of calculating sales bonuses after the annuity payment step.

[0155] In the above sales bonus calculation step, in order to provide a sales annuity service (sales bonus payment), when a sales annuity product is sold, the sales bonus payment module 326 of the sales annuity management department 320 detects the profit margin of the sold sales annuity product through the second storage module 324, and calculates the sales bonuses at a predetermined payment rate based on the above profit margin.

[0156] In these setting steps S100, sales information collection step S200, code registration step S300, cumulative amount calculation step S400, annuity payment step S500, referrer information collection step, shopping bonus calculation step, and sales bonus calculation step, the detailed configurations included in the above shopping annuity payment system (purchase information collection module, purchase code registration module, purchase cumulative amount calculation module, first storage module, shopping annuity payment module, shopping bonus payment module, sales information collection module, sales code registration module, sales cumulative amount calculation module, second storage module, sales annuity payment module, sales bonus payment module) are used, so the repetitive content is omitted.

[0157] Although the above has been described with reference to the preferred embodiments of the present invention, those skilled in the art can make various modifications and changes to the present invention without departing from the spirit and scope of the present invention described in the following patent claims.

Claims

1. A shopping annuity payment system related to commercial transactions, wherein, Comprising: A purchase information collection module, which collects purchase information including the purchaser's information and the payment amount after purchasing a shopping annuity product; A purchase code registration module, which is used to register a transaction code for confirming the purchase order for the above-mentioned respective purchase information; A purchase accumulation fund calculation module, which calculates the accumulation fund of the priority transaction code according to the accumulation rate agreed upon for each payment of the above-mentioned transaction code, and generates the purchase accumulation fund information of the transaction code; A first storage module, which is used to store shopping annuity information including the purchase information registered with the above-mentioned transaction code, the purchase accumulation fund information of the above-mentioned respective transaction codes, the shopping annuity payment period, the total shopping annuity amount, and the annuity start reserve; And A shopping annuity payment module, which is used to analyze the purchase accumulation fund information of the respective transaction codes stored in the above-mentioned first storage module. When the cumulative purchase accumulation fund of the transaction code reaches the annuity start reserve, it pays the total shopping annuity amount in installments during the shopping annuity payment period to the recipient set in the purchase information registered with the above-mentioned transaction code.

2. The shopping annuity payment system related to commercial transactions according to claim 1, wherein The above-mentioned purchase accumulation fund calculation module is Arranging the respective transaction codes in a binary tree structure according to the purchase order, calculating the accumulation fund according to the accumulation rate agreed upon for each payment in the transaction code, and generating the purchase accumulation fund information for accumulating the above-mentioned accumulation fund by the priority transaction code connected by the tree.

3. The shopping annuity payment system related to commercial transactions according to claim 1, wherein, It further comprises: A shopping bonus payment module, which registers the personal identification code assigned to the above-mentioned purchaser information as the new member information of the referrer and stores it in the above-mentioned first storage module, When purchasing a shopping annuity product, by analyzing the purchaser information and the above-mentioned new member information, detecting the number of referrals recommended and joined by the purchaser of the above-mentioned shopping annuity product within a certain period before, and calculating the shopping bonus according to the above-mentioned number of referrals at a pre-agreed payment rate.

4. The shopping annuity payment system related to commercial transactions according to claim 1, wherein, It further comprises: A sales information collection module, which is used to collect sales information including the seller's information and the payment amount when a sales annuity product is sold; A sales code registration module, which is used to register a transaction code for confirming the sales order for the respective above-mentioned sales information; A sales accumulation fund calculation module, which calculates the accumulation fund of the priority transaction code according to the accumulation rate agreed upon for each payment of the above-mentioned transaction code, and generates the sales accumulation fund information of the transaction code; A second storage module, which is used to store sales annuity information including the sales information registered with the above-mentioned transaction code, the sales accumulation fund information of the above-mentioned respective transaction codes, the sales annuity payment period, the total sales annuity amount, and the annuity start reserve; and A sales annuity payment module, which is used to analyze the sales accumulation fund information of the respective transaction codes stored in the second storage module. When the cumulative sales accumulation fund of the transaction code reaches the annuity start reserve, it pays the total sales annuity amount in installments during the sales annuity payment period to the recipient set in the sales information registered with the above-mentioned transaction code.

5. The shopping annuity payment system related to commercial transactions according to claim 1, wherein, It further comprises: A sales bonus payment module, and the profit rate of the above-mentioned sales annuity product is stored in the second storage module, When a sales annuity product is sold, detect the profit rate of the sales annuity product sold through the above-mentioned second storage module, and calculate the sales bonus according to the above-mentioned profit rate at a pre-agreed payment rate.

6. A shopping annuity payment method related to commercial transactions, wherein, Including: A setting step of storing shopping annuity information including a shopping annuity payment period, a total shopping annuity amount, and an annuity starting reserve in a first storage module; A sales information collection step of collecting, by the above-mentioned purchase information collection module, purchaser information and purchase information of payment amounts for the above-mentioned shopping annuity product from the above-mentioned online mall server or the above-mentioned offline franchise store terminal; A code registration step of registering a transaction code for confirming the purchase order of the above-mentioned purchase information by the above-mentioned purchase code registration module and storing it in the above-mentioned first storage unit; An accumulated amount calculation step of calculating, by the above-mentioned purchase accumulated amount calculation module, the accumulated amount of each priority transaction code according to the pre-agreed accumulation rate of each payment of the above-mentioned transaction code, and generating purchase accumulated amount information for each transaction code; And An annuity payment step of analyzing, by the above-mentioned shopping annuity payment module, the purchase accumulated amount information of each transaction code stored in the first storage module, and when the cumulative purchase accumulated amount of the transaction code reaches the annuity starting reserve, sending the total shopping annuity amount to the recipient set in the purchase information registered with the above-mentioned transaction code.

7. The shopping annuity payment method related to a commercial transaction according to claim 6, wherein, It further includes: A referrer information collection step of collecting, by the purchase information collection module before the above-mentioned annuity payment step, new member information of a referrer registered with a personal identification code assigned to the purchaser information by the join information registration module from the online shopping center server or the offline franchise store terminal and storing it in the above-mentioned first storage module; And A shopping bonus calculation step of analyzing, by the shopping bonus payment module, the purchaser information and the above-mentioned new member information when a shopping annuity product is purchased after the above-mentioned annuity payment step, detecting the number of referrals and joiners recommended by the purchaser of the above-mentioned shopping annuity product within a certain period of time before, and calculating the shopping bonus at a pre-agreed payment rate according to the number of the above-mentioned referrals.

8. The shopping annuity payment method related to a commercial transaction according to claim 6, wherein, It further includes: The above-mentioned setting step stores sales annuity information including a sales annuity payment period, a total sales annuity amount, and an annuity starting reserve in a second storage module, The above-mentioned sales information collection step is used to collect, by the sales information collection module, sales information of the sales annuity product and seller information of payment amounts from the online shopping center server or the offline franchise store terminal, The above-mentioned code registration step is used to register a transaction code for confirming the sales order of the above-mentioned sales information by the sales code registration module and store it in the above-mentioned second storage module, In the above-mentioned accumulated amount calculation step, the sales accumulated amount calculation module calculates the accumulated amount of the priority transaction code according to the pre-agreed accumulation rate of each payment in the above-mentioned transaction code, and generates sales accumulated amount information of the transaction code, In the above-mentioned annuity payment step, the sales annuity payment module analyzes the sales accumulated amount information of each transaction code stored in the second storage module, and when the cumulative sales accumulated amount of the transaction code reaches the annuity starting reserve, pays the total sales annuity amount in installments during the sales annuity payment period to the recipient set in the sales information registered with the above-mentioned transaction code.

9. The shopping annuity payment method related to commercial transactions according to claim 6, wherein, It further includes: Steps for calculating sales bonuses In the above setup steps, the profit margin of the sales annuity product is stored in the second storage module. After the above annuity payment steps, when the sales annuity product is sold, the sales bonus payment module detects the profit margin of the sales annuity product sold through the second storage module and calculates the sales bonus at the agreed payment rate based on the above profit margin.

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