The points mall system follows the trend of Internet development to expand businesses integrating online and offline modes, so as to achieve capability output and realization. It gathers customers on C and B ends to provide precise and advanced industry solutions in the fields including brand website operation, product sales, supply chain, online and offline modes, membership integration, social promotion, co-cooperation with suppliers, settlement of accounts receivable and payable, after-sales services, etc. Through benefits, activities and other means, the system promotes inclusive finance, develops bank retail business, stimulates the increment of retained customers, and covers local financial influences.