> For the complete documentation index, see [llms.txt](https://editt.gitbook.io/smartpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://editt.gitbook.io/smartpay/english/background.md).

# Background

 The point system is a reward mechanism that allows consumers to earn points equivalent to a certain amount when they purchase products or services, aiming to enhance customer loyalty and encourage repeat purchases.

 Recently, this point system has been digitized into a mobile point system. However, small business owners running individual shops often face financial burdens in adapting to these changes. The SMTP token is designed to address these challenges.

{% content-ref url="/pages/f2CfwAiROPRmfdOz3H0f" %}
[Limitations of the Point System for Small Businesses](/smartpay/english/background/limitations-of-the-point-system-for-small-businesses.md)
{% endcontent-ref %}

{% content-ref url="/pages/kdBVJG1CFYvvoo9RwDbg" %}
[Limited Use of Points](/smartpay/english/background/limited-use-of-points.md)
{% endcontent-ref %}

{% content-ref url="/pages/xXM16ZhYFYO4SwfQuG9c" %}
[Ownership Issues with Points](/smartpay/english/background/ownership-issues-with-points.md)
{% endcontent-ref %}