O2O - MY OWN PRICING METHOD AND FIN COIN GENERATION SYSTEM THAT COMBINES O2O AND INTERNET OF THINGS AND FINTECH SYSTEM

摘要

The present invention relates to a fintech system and a fin-coin generation system as well as a self-initiated price determining method coupling an online-to-offline (O2O) scheme and internet of things (IoT). The fintech system provides different discount information generated through social network services (SNS) of customers lacking sufficient purchasing power to guide direct or reservation purchases, thereby promoting the offline and online product purchases. The fintech system coupling O2O and IoT can provide additional discount or cashback to an initial buyer when followers purchase the same product within a predetermined period when direct or reserved purchases are offered through offline and online. The fintech system coupling O2O and IoT applies the additional discount when the followers access and visit the corresponding online or offline stores through promotions using SNS within the reserved purchase period or provides the predetermined cashback to the followers subscribing to a cloud platform and catching virtual payments in an augmented reality in advance in the offline or online purchasing operations.