KR101590630B1 - Method for Providing Group Purchase Key - Google Patents

Abstract

According to another aspect of the present invention, there is provided a method for providing a joint purchase key executed by a server operable with a joint purchase web server and capable of communicating with a wireless terminal of a customer, When the specific joint purchase item posted on the joint purchase web server is activated through the designated offline store, the specific joint purchase article posted on the joint purchase web server via the communication network is transmitted to the specific joint purchase article Identifying a specific item of a customer who has purchased a joint purchase of the commodities sold in the designated off-line store, identifying the specific commodity by the specific customer, Lt; RTI ID = 0.0 > uniquely < / RTI > And transmits the converted joint purchase key to the wireless terminal of the specific customer. The joint purchase key of the particular customer is converted into a form capable of outputting or storing the joint purchase key through a program provided in the wireless terminal of the specific customer, , Receives a joint purchase key recognized and transmitted through a terminal device provided in an offline store visited by the specific customer, authenticates the validity of the received joint purchase key using the joint purchase key of the specific customer And provides the authentication result of the joint purchase key to the terminal device of the offline store.

Description

[0001] The present invention relates to a method for providing a joint purchase key,

The present invention provides a joint purchase key providing method executed by a server capable of communicating with a wireless terminal of a customer in cooperation with a joint purchase web server, the method comprising: When it is activated so as to be usable through the designated offline store, identifies joint purchase specific information of a specific customer who has jointly purchased a specific joint purchase item posted on the joint purchase web server via a communication network through a terminal To identify a specific product for which the specific customer has made a joint purchase request among the goods to be sold at the designated offline store and to identify a validity period in which the specific customer can use the specific joint purchase product at the designated offline store A common purchase key of the specific customer is confirmed, The method comprising: converting a joint purchase key into a form capable of outputting or storing the joint purchase key through a program provided in the wireless terminal of the specific customer, processing the converted joint purchase key to be provided to the wireless terminal of the specific customer, Receiving a joint purchase key recognized and transmitted through a terminal device provided in a shop, confirming a result of verifying the validity of the received joint purchase key using the joint purchase key of the specific customer, And provides the authentication result to the terminal device of the offline store.

Joint purchases that are executed through the existing wired and wireless Internets present a discount amount or a discount rate on the number of purchasers for sales items in a joint purchase web server, and a discount amount or a discount rate as the number of joint purchase application customers for the product increases And when the number of customers for joint purchase reaches a predetermined level, the corresponding product is sold at a discount price corresponding to the number of customers for the joint purchase, Of sales. For example, in the case of a joint purchase in which the maximum discount amount or the maximum discount rate is applied when the number of joint purchase purchase customers reaches 50, when the number of joint purchase purchase customers is less than 50, the joint purchase is canceled, The discount price or discount rate calculated as a function of the number of customers is applied to determine the selling price.

However, purchasing through the existing joint purchase as described above does not necessarily mean purchasing at the lowest price, and the purchase choice for the same product is limited to the joint purchase web server that performs the joint purchase promotion .

In addition, since the discount amount or the discount rate is determined based on the joint purchaser applicant, the joint purchasing web server can not be used for mass sales when the joint purchaser cancels the joint purchase request due to remorse or other reasons There is a problem in that it can not appropriately handle collective purchases characterized by mass discounts.

In addition, the joint purchase through the existing wired and wireless Internet is a problem that other Internet shopping mall purchases include, that is, it takes a few days to receive and receive the purchased product, The problem of the return or refund process is complicated and a lot of time is consumed.

An object of the present invention is to provide a joint purchase key providing method that is executed by a server capable of communicating with a wireless terminal of a customer in cooperation with a joint purchase web server, When the commodity is activated through the designated offline store, the specific joint purchase information posted on the joint purchase web server via the communication network is transmitted to the joint purchasing unique information To identify a particular product for which the particular customer has made a joint purchase request from among the goods sold at the designated off-line store, and to uniquely identify the valid period during which the particular customer can use the specific joint purchase product at the designated offline store A first step of confirming a generated joint purchase key of the specific customer, A second step of converting the joint purchase key of the specific customer into a form capable of outputting or storing the joint purchase key through a program provided in the wireless terminal of the specific customer and a process of processing the converted joint purchase key to be provided to the wireless terminal of the specific customer A fourth step of receiving a joint purchase key transmitted through the third step and a terminal device included in an offline store visited by the specific customer and receiving a joint purchase key transmitted from the terminal, And a sixth step of providing the authentication result of the joint purchase key to the terminal device of the off-line store.

A method for providing a joint purchase key according to the present invention is a method for providing a joint purchase key executed by a server capable of interfacing with a joint purchase web server and communicating with a wireless terminal of a customer, When a specific co-purchased item to be published is activated so as to be available through the designated offline store, the specific co-purchased item posted on the co-purchased web server via the communication network is transmitted to the specific co- Identifies a specific product that the specific customer has requested for a joint purchase from among the products sold in the designated offline store, and identifies a valid period in which the specific customer can use the specific joint purchase product in the designated offline store A joint purchase key of the specific customer uniquely generated for identification A second step of converting the joint purchase key of the specific customer into a form capable of being outputted or stored through a program provided in the wireless terminal of the specific customer, A fourth step of receiving a joint purchase key recognized and transmitted through a terminal device included in an offline store visited by the specific customer, A fifth step of confirming the result of verifying the validity of the joint purchase key, and a sixth step of providing the authentication result of the joint purchase key to the terminal device of the offline store.

The method of providing a joint purchase key according to the present invention may further include storing joint purchase key information for authenticating a joint purchase key of the specific customer in a designated database when the joint purchase key of the specific customer is confirmed And the fourth step further comprises authenticating the validity of the received joint purchase key using joint purchase key information stored in the database.

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The purchasing of the same product at the time of settlement with the credit card in the on-line and off-line purchasing and purchasing process is performed at a common purchase price at the time of settlement, thereby effecting an offline purchase of the joint purchase, The purchaser can overcome the problem of limiting the purchase selection range to the joint purchase web server for promoting the joint purchase promotion so that the client can select a place where the joint purchase application is made and a place where the joint purchase product is purchased and paid In addition, since the discount amount or the discount rate is determined based on the joint purchaser applicant, the joint purchase web server can not be used for mass sales Joint purchase featuring mass discounts according to However, the present invention can overcome the problem of joint purchase cancellation of a joint purchaser applicant by handling a joint purchase based on a joint purchaser payer as well as a joint purchaser applicant, The common purchase through the Internet is a problem that other Internet shopping mall purchases include, that is, it takes a few days to receive and receive the purchased product. Since it is not a matter of confirming and purchasing the product directly, The process of returning or refunding is complicated and consumes a lot of time. However, according to the present invention, it is possible to apply for a joint purchase on the web and make purchases in an offline store, thereby solving the above problems .

1 is a simplified block diagram of a joint purchase system using a credit card on which a joint purchase key is mounted.
FIG. 2 is a simplified flowchart of a first step of the present invention in which a joint purchase key is loaded onto a credit card of a joint purchase application client.
FIG. 3 is a simplified flow diagram of a second step of the present invention in which a joint purchase web server delivers joint purchase activity information to each component of a payment joint purchase system.
4 is a simplified flowchart of a third step in which a credit card customer purchases and pays for the same commodity as a joint purchase application.
FIG. 5 is a simplified flowchart of a fourth step in which a credit card payment server approves and clears payment for a joint purchase product.

Hereinafter, the features of the present invention will be described in detail with reference to the accompanying drawings and the description. It should be noted, however, that the following drawings and description are representative of various methods for appropriately describing the present invention, and the present invention is not limited to the following drawings and descriptions.

In order to effectively explain the feature of the joint purchase of a credit card using the credit card on which the joint purchase key proposed by the present invention is presented, the client requests the joint purchase from the joint purchase web server on the Internet, The features of the present invention will be described in detail.

However, as described above, the present invention is not limited to the case of the online joint purchase and the offline purchase and settlement as in the following embodiments, and the present invention can be applied to the offline purchase and settlement after the online joint purchase request, Online purchasing, and payment.

If the following embodiment is extended to the case of online purchase and settlement after an online joint purchase request, a CAT (Credit Authorization Terminal) and credit card payment information corresponding to a credit card payment terminal installed in a shop on the off- The Value Added Network (VAN), which is a private network, is installed in an online Internet shopping mall and is extended to an Internet credit card payment solution including a shopping cart and a credit card payment program, and a payment gateway (PG) If: Credit card payment terminal device == Internet credit card payment solution, VAN == PG]

1 is a simple block diagram of a bill collective purchasing system using a credit card 100 equipped with a joint purchase key.

The bill collective purchasing system using the credit card 100 shown in FIG. 1 includes a credit card 100 that can combine an existing online purchase system with an offline credit card payment system, and mount a joint purchase key on the combined system. A joint purchase key providing server 105 for providing a joint purchase key, and a joint purchase authentication server 110 are added.

The joint purchase web server 115 includes the function of the joint purchase web server 115 that promotes the joint purchase promotion on the existing wired and wireless Internet and extracts the joint purchase information from the joint purchase request information of the client 140 A function of generating and mounting a joint purchase key in the credit card 100 of the client 140 via the joint purchase key providing server 105 and a function of loading a credit card 100 of the client 140 via the joint purchase key providing server 105, A function of storing and managing information on a joint purchase key installed in the joint purchase key database 100 in a joint purchase D / B, and a function of generating a joint purchase key providing server 105 in the first step of the present invention, A function of setting the joint purchase activation information of a joint purchase key to be active or inactive, a function of, in the second and third steps of the present invention, A function of transferring the joint purchase activity information to the device 135 and / or the joint purchase authentication server 110, and a joint purchase activity to the credit card payment server 130 in the fourth step of the present invention based on the joint purchase activation information And a function of transmitting information, etc., is provided.

The joint purchase information provided by the joint purchase web server 115 to the joint purchase key providing server 105 according to the joint purchase request information of the client 140 includes a unique purchase ID assigned to the joint purchase web server 115 A joint purchase validity period corresponding to the start and end times of the joint purchase, a product code corresponding to the joint purchase information, and a discount amount for the joint purchase item corresponding to the joint purchase discount information Or discount rate, customer information of the joint purchase application client 140 corresponding to the joint purchase customer information, and whether the joint purchase activation information is activated / deactivated in the joint purchase key based on the joint purchase activation condition in the first step And joint purchase activity information.

The collective purchasing unique information of the collective purchase information is a unique number or code assigned by the collective purchasing web server 115 to identify each collective purchase commodity for each client 140, And an index number of the joint purchase client 140 requesting the joint purchase for the product. In general, the collective purchase number for a specific collective purchase product includes unique features that are not overlapped on the collective purchase system presented by the present invention.

The joint purchase validity period of the joint purchase information is information including the date and time at which the joint purchase of the present invention is initiated and the date and time at which the joint purchase is ended. The discount amount or the discount rate expressed as a function of the number of the joint purchase application client 140 and the number of settlement customers in each case is calculated based on the joint purchase activation condition through the fourth step .

The joint purchase information of the joint purchase information is information on the product that the client 140 has requested joint purchase through the joint purchase web server 115. In the process of purchasing the product from the store and requesting payment, Product information generated from the card payment terminal device 135 and a POS (Point Of Sales Terminal) linked to the credit card payment terminal device and generated in the same structure as the product information transmitted to the credit card payment terminal device 135 . For example, if the product purchased through joint purchase is a product to which a barcode is applied, the joint purchase web server 115 uses the barcode information of the product requested for joint purchase as joint purchase product information, 135 also use the barcode information as purchase product information of the product purchased by the credit card customer through POS or the like.

The collective purchasing discount information of the collective purchase information is information on the discount amount or the discount rate applied to the collective purchase product when the collective purchase web server 115 acquires the number of the collective purchase application customers having a certain level or more, Information is a number greater than 100 [additional explanation: most software is indeed programmed using such a method as it can be assumed that discounts of less than 100 won are not actually discounted], or a symbol specifying the denomination is inserted , Or use a number less than 100 for a discount rate, or insert a symbol indicating a percentage (%).

The joint purchasing customer information of the joint purchase information is information inserted by the joint purchasing web server 115 to identify a customer who has made a joint purchase request. The credit card customer purchases the product from the store, 100) information extracted from the credit card 100 user information. For example, information such as a resident registration number or driver's license number corresponding to non-duplicated personal information can be used as joint purchase customer information.

The joint purchase information of the joint purchase information (description of the joint purchase activity information in the first step) is stored in the joint purchase key installed in the credit card 100 of the client 140 according to the joint purchase activation condition in the first step When the joint purchase activity information is set as active in the joint purchase activation information of the joint purchase key, information indicating whether the joint purchase is active / inactive, suggested by the present invention, In the process of purchasing and paying in a shop on the off-line, the user can immediately purchase the discounted amount according to the joint purchase discount information through the credit card payment terminal 135. Of course, even when the joint purchase activity information is inactive and the joint purchase web server 115 is mounted on the joint purchase information of the joint purchase key, the joint purchase web server 115 transmits the joint purchase activity information to the credit card payment terminal 135, 135, the joint purchase authentication server 110, or the credit card payment server 130, the discounted amount is settled or settled or the settlement is made through the fourth, Amount and / or discount rate.

According to the present invention, when the client 140 accesses the joint purchase web server 115 via the wired / wireless Internet and requests joint purchase, the joint purchase web server 115 transmits the joint purchase requested by the client 140 to the goods And joint purchase information including joint purchase unique information, joint purchase valid period, joint purchase product information, joint purchase discount information, joint purchase customer information, and joint purchase activation information, And transmits the generated joint purchase information to the joint purchase key providing server 105.

When the joint purchase key providing server 105 loads the joint purchase key into the credit card 100 of the client 140 through the above process, the joint purchase web server 115 transmits information about the joint purchase key to the joint And stores it in the purchase D / B 120 and shares it with the credit card payment terminal device 135, the joint purchase authentication server 110 and / or the credit card payment server 130 as necessary.

In the process of providing the joint purchase using the credit card 100 in which the joint purchase key is installed according to the present invention for a specific joint purchase product, When the activation condition for the settlement co-purchase of the present invention is satisfied, the co-purchasing web server 115 transmits, via the wired / wireless Internet, the credit card payment terminal Purchase activity information to the joint purchase authentication server 110 and / or the credit card payment server 130. [

In the first step, the joint purchase active information is set such that the joint purchase key providing server 105 sets the joint purchase activation information included in the joint purchase key to be active / inactive or the like, and the roles of the second and third and / In step 4, a joint purchase is activated by the credit card payment terminal device 135, the joint purchase authentication server 110 and / or the credit card payment server 130, and the discount amount and / Purchase payment amount and / or settlement amount.

The joint purchase key providing server 105 receives the joint purchase information described above from the joint purchase web server 115 and transmits the joint purchase information to the credit card 100 of the client 140 including the joint purchase information An applet-type joint purchase key is generated and downloaded to the credit card 100 of the client 140 via the wired / wireless Internet, and is mounted on the wired / wireless Internet server.

According to the present invention, the joint purchase key providing server 105 combines the joint purchase information transmitted from the joint purchase web server 115 and the credit card information including the credit card number of the client 140, A public purchase key in the form of an applet that can be loaded on the credit card 100 of the client 140 is generated.

The joint purchase key generated in the form of an applet that can be loaded on the credit card 100 of the client 140 including the joint purchase information transmitted from the joint purchase web server 115 is transmitted to the credit card payment terminal device 135 A condition that the credit card payment terminal device 135 can interpret the joint purchase information and the credit card information mounted on the joint purchase key, A condition that the joint purchase authentication server 110 can interpret the joint purchase information and the credit card information included in the joint purchase key, and the like.

When the joint purchase key is generated as described above, the joint purchase key providing server 105 downloads and mounts the joint purchase key to the wireless credit card through the wireless Internet, and transmits the wired Internet, the smart card terminal and the CAD (Card Acceptance Device) The common purchase key is downloaded to the credit card 100 of the smart card type and loaded.

According to the present invention, the process of installing the joint purchase key on the credit card 100 by the joint purchase key providing server 105 includes a smart card standard for issuing an applet after a smart card, a method of issuing a post issuance system after each applet .

When the joint purchase key is loaded into the credit card 100 of the client 140 requesting the joint purchase through the above process, the joint purchase key providing server 105 transmits information on the joint purchase key to the joint purchase web To the server 115 and stores it in the joint purchase D / B 120.

As described above, the credit card 100 includes a storage medium on which a series of data and information can be read, recorded, and deleted. The credit card 100 is a card for credit settlement. The card 100 includes a joint purchase key provided by the joint purchase key providing server 105 And downloaded as a credit card 100 applet and loaded on the credit card 100 to be used as the credit card 100 equipped with the joint purchase key proposed in the present invention.

The credit card payment terminal device 135 includes the function of the existing off-line credit card payment terminal device 135 as it is. The credit card payment terminal device 135 extracts information on the purchased product in cooperation with a POS (Point Of Sales Terminal) A credit card payment terminal device 135 for outputting a list of purchased goods through the device and confirming whether a common purchase key corresponding to the purchased product list is loaded on the credit card 100 of the credit card customer ), The joint purchase authentication server 110 extracts a joint purchase key in which the joint purchase product authentication is completed as described above, and extracts and analyzes the joint purchase key from the credit card 100 as described above, A function of verifying whether or not the joint purchase activation information is interpreted by interpreting the joint purchase key, If it can not be confirmed, it is possible to confirm whether or not joint purchase of the joint purchase item is activated through the joint purchase activity information transmitted from the joint purchase web server 115 to the credit card payment terminal device 135 , And if it can not be confirmed whether the joint purchase of the joint purchase product is activated through the joint purchase activity information transmitted to the credit card payment terminal device 135, the joint purchase key is transmitted to the joint purchase authentication server 110, The credit card payment terminal 135 confirms that the joint purchase has been activated through the function of checking whether or not the joint purchase is active, Discounting the purchase amount of the purchased product by applying the joint purchase discount policy, The credit card payment terminal device 135 installed in the off-line store to which the function of transferring the credit card payment information to the common purchase authentication server 110 is added.

According to the present invention, the credit card payment terminal device 135 includes a POS (Point Of Sales Terminal) function to confirm that a joint purchase key for a purchased product is loaded on the credit card 100 of the credit card customer Or is associated with a POS external to the credit card payment terminal device 135. That is, the credit card payment terminal device 135 determines that there is a common purchase key including the same common purchase product information as the corresponding purchased product on the credit card 100 of the credit card customer based on the purchase product information obtained from the POS If there is a common purchase key including the same common purchase item information as the purchased product, the common purchase key is extracted from the corresponding credit card 100, and together with the credit card payment information for payment of the purchase item, To the purchase authentication server (110).

According to the present invention, a method for extracting a common purchase key from the credit card 100 by the credit card payment terminal 135 in the above process includes a one-chip and dual-chip wireless credit card, a memory type wireless credit card, All types of wireless credit cards including wireless credit cards of the type include wireless communication such as infrared ray communication, radio frequency (RF) communication, Bluetooth (Blue Tooth), wireless LAN, WiFi The common purchase key can be extracted to the credit card payment terminal device 135 through the short-range wireless communication, and the smart card type credit card 100 on which the IC chip is mounted can receive credit card payment through CAD (Card Acceptance Device) The terminal 135 can extract the joint purchase key.

Accordingly, the method of transferring the common purchase key mounted on the credit card 100 to the credit card payment terminal device 135 includes the respective local wireless communication standards and the smart card standard method as they are.

The VAN includes an existing function of providing credit card payment information between the credit card settlement terminal 135 and the credit card company's credit card payment server 130 as it is, A credit card payment terminal device (for example, a credit card payment terminal) is provided through a reserved field, an addition field newly added to the credit card payment information transaction for carrying out the present invention, or a common purchase key transaction independent of the credit card payment information 135 to the joint purchase authentication server 110 and a function of providing joint purchase information corresponding to the transferred joint purchase key from the joint purchase authentication server 110 To the credit card payment terminal device 135, and a function of transferring credit card payment information to which the collective purchase discount policy is applied in the credit card payment terminal device 135 And a function of providing the payment card to the card settlement server 130 are added.

The joint purchase authentication server 110 receives joint purchase customer information included in the joint purchase key transmitted from the credit card payment terminal device 135 in the process of making settlement on a credit card customer on-line or off-line, The co-purchasing customer authentication function for the credit card customer who has requested the co-purchase through the credit card user information extracted from the card 100 information (the credit card payment terminal device 135 includes a co- ) Is a server on the wired and wireless Internet that provides double authentication through joint purchasing customer authentication, etc., and according to the characteristics and implementation method of the joint purchase system using the credit card 100 equipped with the joint purchase key proposed by the present invention, It may be mounted on the side of the purchase web server 115, mounted on the side of the credit card payment terminal 135, mounted on the side of the VAN, (130). ≪ / RTI > In the case of FIG. 1, the joint purchase authentication server 110 is mounted on the VAN.

When the joint purchase key and the credit card payment information are transmitted from the credit card payment terminal device 135, the joint purchase authentication server 110 transmits the joint purchase customer information included in the joint purchase key and the credit card information And then checks whether the joint purchase activation information of the joint purchase key is set to be active.

If the joint purchase activation information of the joint purchase key is set to be active through the first step or activated by the credit card payment terminal device 135 through the first step of the present invention, The payment amount of the information is discounted by the joint purchase discount information included in the joint purchase key. In this case, the joint purchase authentication server 110 transmits the credit card settlement information to the credit card settlement server 130 to request the settlement processing, and transmits information on the joint purchase key to the joint purchase web server 115 And transmits to the joint purchase web server 115 that the settlement processing of the credit card customer for the joint purchase has been performed.

On the other hand, if the joint purchase activation information included in the joint purchase key transmitted from the credit card settlement terminal device 135 to the joint purchase web server 115 is set to inactive, the joint purchase web server 115 transmits, It is checked whether there is joint purchase activity information for the corresponding joint purchase received from the joint purchase web server 115 or whether joint purchase is activated by the joint purchase web server 115, To the settlement terminal device 135.

If the credit card payment terminal device 135 confirms the cooperative purchase activity through the above process, the payment amount is discounted through the cooperative purchase discount information of the common purchase key and the payment is processed through the credit card payment server 130.

Of course, if it is not possible to check whether the joint purchase is active through the above process, the credit card payment terminal 135 transfers the credit card payment information including the non-discounted payment amount and the joint purchase key to the credit card payment server 130 And requests payment approval. At this time, the non-discounted payment amount is refunded after being discounted or settled in the settlement step through the fourth step.

The credit card payment server 130 includes a series of servers for performing credit card settlement, authorization and settlement, including a payment approval server, a ledger server, a settlement server, or a billing server, As well as existing functions such as credit card settlement, approval and settlement, and additionally, joint purchase activation information included in the joint purchase key through the credit card payment terminal device 135 and the joint purchase authentication server 110 When the joint purchase activity information is transmitted from the joint purchase web server 115 before settlement of the settlement amount with respect to the joint purchase purchase amount set to be inactive, The amount of settlement will be settled by discounting, and in the settlement process described above, If the joint purchase activity information is received from the joint purchase web server 115 before the joint purchase validity period included in the purchase purchase information, the amount corresponding to the joint purchase discount information is refunded to the pre-set amount, or the royalties provided by the credit card company And the like.

Table 1 shows a configuration of a preferable structure of a joint purchase key generated by the joint purchase key providing server 105. [

The joint purchase key may be changed according to the joint purchase information provided by the joint purchase web server 115, the joint purchase key generation policy of the joint purchase key providing server 105, and the characteristics of the credit card storage medium on which the joint purchase key is mounted Table 1 shows one preferable example of the configuration of the various types of joint purchase keys as described above.

As described above, the joint purchase web server 115 can collect joint purchase information for the joint purchase product requested by the client 140, such as joint purchase unique information, joint purchase product information, joint purchase discount information, and joint purchase customer information And generates joint purchase information including whether the joint purchase is active / inactive based on the joint purchase activation condition, and then transmits the joint purchase information to the joint purchase key providing server 105.

When the joint purchase information is transmitted from the joint purchase web server 115 as described above, the joint purchase key providing server 105 acquires joint purchase information from the client 140 and / or the credit card issuer information of the credit card issuing institution on the wired / The credit card information to be loaded with the key is extracted.

When the joint purchase information and the credit card information are extracted as described above, the joint purchase key providing server 105 generates an applet-type joint purchase key including the structure as shown in Table 1.

The common purchase specific information of the joint purchase information is a total of 12 bytes and is composed of an 8-character joint purchase unique code and a 4-joint purchase index number. The 8-digit joint purchase unique code is a number and / or code assigned by the joint purchase web server 115 to distinguish each joint purchase, expressed as an alphabet of AZ and 0-9. The joint purchase index number of 4 is included in the joint purchase client 140 having a maximum number of 9999, which is sequentially allocated to the joint purchase request client 140 requesting the joint purchase article.

The joint purchase validity period of the joint purchase information is represented by a total purchase start time of 12 bytes and a total purchase end time of 12 bytes, and each joint purchase validity period is expressed as year / month / day / hour / minute / second . When the pre-start time and the end time of the joint purchase validity period have elapsed, the joint purchase of the settlement using the credit card 100 equipped with the joint purchase key proposed by the present invention is not performed.

The joint purchase information of the joint purchase information is a total of 13 bytes and is composed of a 13-digit bar code number. The barcode is a coded label that uniquely indicates the type of product. When the barcode of the joint purchase requisition client 140 is identical to the barcode of the product purchased from the on-off-line shop of the credit card customer, The joint purchase of the settlement using the credit card 100 equipped with the joint purchase key proposed by the invention is started. The joint purchase product information is used in the process of extracting the joint purchase key from the client 140 of the credit card customer and authenticating the joint purchase product by the credit card payment terminal device 135.

The joint purchase information of the joint purchase information is a total of 6 bytes and is added to the purchase amount of the purchased product of the credit card customer through the joint purchase of the credit card 100 equipped with the joint purchase key proposed by the present invention . You can display the discounted amount up to 999999 won, which is the highest amount that can be displayed up to 6 digits.

The joint purchase customer information of the joint purchase information is a size of 13 bytes in total and identifies the joint purchase request client 140 through the 13-digit resident registration number, which is unique personal information for the joint purchase request application client 140. The joint purchase customer information is used in the process of authenticating the joint purchase customer by the joint purchase authentication server 110.

The joint purchase activation information of the joint purchase information is a total of 1 byte. The joint purchase information of the joint purchase information is obtained by joint purchase of the credit card 100 equipped with the joint purchase key proposed by the present invention, And determines whether to discount the settlement amount or the settled amount according to the joint purchase discount information. If the settlement joint purchase of the present invention is disabled, it has a value of 0 (= FALSE), and a value other than 0 (= TRUE) when activated.

The credit card information of the joint purchase information is a 16-byte size, and is a 16-digit credit card 100 number of the credit card 100 providing a storage medium on which a joint purchase key is mounted. The joint purchase key providing server 105 generates and mounts a joint purchase key with the credit card 100 corresponding to the credit card 100 number, and the credit card payment terminal device 135 transmits a credit And the joint purchase authentication server 110 performs joint purchase customer authentication through the user information of the credit card 100 corresponding to the credit card number and the joint purchase customer information.

[Table 1]

Hereinafter, a description will be made of a method of performing a joint purchase of a settlement using the credit card 100 equipped with the joint purchase key proposed by the present invention through the accompanying flowcharts and explanations. It should be noted that the following flowcharts and explanations are representative of the most basic methods among various methods for adequately explaining the present invention, and the present invention is not limited to the following drawings and descriptions.

In order to effectively explain the feature of the settlement joint purchase method using the credit card 100 equipped with the joint purchase key proposed by the present invention, this embodiment is based on the online joint purchase purchase and the offline joint purchase settlement described in FIG. And a joint purchase activation condition in which a joint purchase is activated when the number of joint purchase request clients 140 of the joint purchase web server 115 is equal to or higher than a predetermined level.

However, in the bill collective purchase method using the credit card 100 equipped with the joint purchase key proposed by the present invention, in addition to the following flowcharts, the online joint purchase request, the online joint purchase payment method, Accordingly, the present invention can be implemented through various types of joint purchase methods.

2 is a simplified flowchart of a first step of the present invention in which a joint purchase key is loaded into a credit card 100 of a joint purchase requisition client 140. FIG.

When the client 140 accesses the joint purchase web server 115 to select a joint purchase product and requests joint purchase of a settlement using the credit card 100 equipped with the joint purchase key proposed by the present invention 200, The purchasing web server 115 confirms the collective purchasing activation condition and confirms whether the collective purchasing using the credit card 100 loaded with the collective purchasing key is active / inactive (205).

If the joint purchase using the credit card 100 in which the joint purchase key is installed is activated 210 based on the joint purchase activation condition, the joint purchase web server 115 determines that the joint purchase unique information, A common purchase key providing server for setting common purchase activation information to the common purchase information including at least one or more of information such as common purchase information, common purchase information, common purchase information, common purchase information, (215).

On the other hand, if the joint purchasing using the credit card 100 on which the joint purchase key is installed is not activated based on the joint purchase activation condition 220, the joint purchase web server 115 determines that the joint purchase unique information, , Joint purchase information including at least one or more pieces of information such as joint purchase information, common purchase discount information, joint purchase information, and joint purchase information is set to be inactive and a joint purchase key is provided To the server 105 (225).

When the joint purchase information is transmitted to the joint purchase key providing server 105 through the above process, the joint purchase key providing server 105 transmits a joint purchase key to the client 140, And inputs the card 100 information (230). If this process is performed only for a specific credit card 100 issued by a specific credit card company, the joint purchase key providing server 105 transmits the joint purchase information of the credit card company D / B to automatically extract the credit card information issued to the joint purchase client 140. [

When the credit card information on which the joint purchase key is to be installed is input, the joint purchase key providing server 105 transmits the joint purchase key to the credit card 100 corresponding to the credit card 100 information input through the credit card issuing institution on the wired / It is checked whether the key can be mounted (235). According to the present invention, the credit card 100 provides a characteristic that a series of data and information can be read, recorded and deleted so that a joint purchase key can be loaded, An access code for the storage area of the credit card 100 should be given from an authority.

If the common purchase key providing server 105 provides the feature that the common purchase key can be stored as shown in the present invention, 100), the joint purchase key providing server receives the joint purchase information transmitted from the joint purchase web server 115 and transmits the joint purchase information to the corresponding credit card 100 as shown in Table 1 A common purchase key in the form of an applet is generated (245).

On the other hand, if there is no possibility of mounting a joint purchase key for the credit card 100 to be mounted with the joint purchase key 250, the joint purchase web server 115 generates a joint purchase key with the credit card 100 Lt; / RTI >

When a joint purchase key in the form of an applet that can be loaded on the credit card 100 is generated through the above process, the joint purchase key providing server 105 sends a joint purchase key to the credit card 100 via the wired / (255). For example, if the credit card 100 of the client 140 is a wireless credit card such as a one-chip and dual-chip wireless credit card, a memory type wireless credit card, a slot type wireless credit card, If the credit card 100 of the client 140 is a credit card in the form of a smart card on which the IC chip is mounted, The providing server 105 issues a joint purchase key to the credit card 100 through the CAD with the smart card terminal connected to the client 140 and mounts the same.

When the joint purchase key providing server 105 generates and mounts a joint purchase key in the credit card 100 of the joint purchase application client 140, the joint purchase key providing server transmits the joint purchase key information to the joint purchase web server 115) and stores it in the joint purchase D / B (260).

FIG. 3 is a simplified flow diagram of a second step of the present invention in which a joint purchase web server 115 delivers joint purchase activity information to each component of a payment joint purchase system.

Most of the existing joint purchases are promoted through the joint purchase web server 115 at the same time that the joint purchase is initiated. In contrast, in the joint purchase web server 115, a credit with a joint purchase key The settlement co-purchase of the present invention using the card 100 may proceed with the settlement co-purchase promotion through the co-purchase web server 115 before the co-purchase is initiated.

Accordingly, the joint purchase web server 115 extracts the joint purchase key information from the joint purchase D / B storing the joint purchase key information loaded in the joint purchase request client 140 through the joint purchase key providing server 105 (300) by checking whether the joint purchase of the corresponding joint purchase is started by confirming the joint purchase validity period of the joint purchase key, Until a joint purchase of a settlement using the credit card 100 equipped with the joint purchase key to be presented is started.

If it is determined in step 305 that the joint purchase of the corresponding settlement joint purchase stored in the joint purchase D / B 120 has been started (305), the joint purchase web server 115 confirms the valid period of the joint purchase It is checked whether the settlement co-purchase is terminated after the expiration date (310).

If the settlement joint purchase using the credit card 100 equipped with the joint purchase key proposed by the present invention has expired (315) after expiration of the effective period for the joint purchase of the settlement, the joint purchase web server 115 transmits The D / B 120 deletes the corresponding common purchase key information, and ends the third step of the present invention.

On the other hand, if the expiration period for the settlement joint purchase has not elapsed (320), the joint purchase web server 115 confirms whether the condition for activating the joint purchase is satisfied based on the joint purchase activation information (325).

If the collective purchasing web server 115 does not satisfy the collective purchasing activation condition for the collective purchase (step 330), the collective purchasing web server 115 determines whether the collective purchasing key information satisfies the collective purchasing activation condition The checking process is repeated 335.

On the other hand, if the collective purchasing web server 115 satisfies the collective purchase activation condition for the collective purchase of the settlement (340), the collective purchase web server 115 transmits the collective purchase active information for the collective purchase key to the credit card payment terminal 135, (345) to each component of the settlement joint purchase system including the credit card payment server (110) and / or the credit card payment server (130) The purchasing discount process corresponding to the joint purchase discount information is applied during the process of purchasing and settlement of accounts and the settlement process.

4 is a simplified flowchart of a third step in which a credit card customer purchases and pays for the same product as a joint purchase application.

When a credit card customer who has received a joint purchase key from the joint purchase key providing server 105 and has a credit card 100 mounted thereon receives the same purchase order as the corresponding joint purchase application product from the on- (400), the credit card payment terminal device (135) acquires the purchase product information of the credit card customer from the POS or the like by purchasing the product and requesting payment through the credit card (100) (405) and outputs a list of purchased goods on the screen of the credit card payment terminal device (135).

When the list of the purchased goods of the credit card customer is outputted to the credit card payment terminal device 135, the credit card payment terminal device 135 automatically or through the verification process of the credit card customer, (410) whether the joint purchase key for the commodity is loaded on the credit card 100 requested for payment.

According to the present invention, the process of confirming whether the common purchase key corresponding to the purchased merchandise list delivered from the POS by the credit card payment terminal device 135 is loaded on the credit card 100 of the credit card customer, It is included in the product certification process.

If the common purchase key corresponding to the purchased product list is not installed in the credit card 100 for which payment is requested 415, the credit card 100 payment terminal device 135 transmits the purchase purchase key The settlement process for collective settlement using the credit card 100 is terminated and a credit card settlement request message including the settlement amount is generated according to the existing credit card settlement processing method and the credit card settlement server 130 ).

On the other hand, if a joint purchase key corresponding to the purchased product list is loaded on the credit card 100 for which payment is requested (420), the credit card payment terminal device (135) A joint purchase key including information is extracted (425).

According to the present invention, the process of the credit card payment terminal device 135 extracting the common purchase key from the credit card 100 includes a transaction method between each credit card 100 and the credit card payment terminal device 135 do. For example, if the credit card 100 is a wireless credit card installed in the wireless terminal, and the credit card 100 and the credit card payment terminal 135 are in transaction via infrared communication, (135) extracts a joint purchase key from a wireless credit card in accordance with IrFM (Infrared Financial Messaging) regulations.

If the joint purchase activation information included in the joint purchase key extracted through the above process is set to be active, the credit card payment terminal 135 extracts the joint purchase discount information from the joint purchase key, You can reset the discounted amount through joint purchase.

If the common purchase activation information included in the common purchase key extracted from the credit card 100 is set to be active, the credit card payment terminal 135 extracts the common purchase discount information included in the common purchase key, The amount is discounted (430).

On the other hand, if the common purchase activation information included in the common purchase key extracted from the credit card 100 is set to be inactive (435), the credit card payment terminal device 135 transmits the extracted common purchase key and / Information to the joint purchase authentication server 110 (440).

If the joint purchase key and / or the credit card settlement information are transmitted to the joint purchase authentication server 110 through the above process, the joint purchase authentication server 110 receives the joint purchase web server 115 from the joint purchase web server 115 through the second step of the present invention It is confirmed whether there is joint purchase activity information corresponding to the joint purchase key.

If the common purchase activation information corresponding to the common purchase key transmitted from the credit card payment terminal device 135 does not exist in the joint purchase authentication server 110 (445), the joint purchase authentication server 110 transmits (450) the joint purchase key using the joint purchase key to the device 135 together with the error message and the joint purchase key with the joint purchase activation information set to inactive is returned to the credit card payment terminal device 135. Then, the credit card payment terminal device 135 confirms the joint purchase key returned by setting the joint purchase activation information to be inactive and returns the joint purchase key including the joint purchase key in which the joint purchase activation information is set to non- The credit card settlement terminal 135 transmits the credit card settlement information to the credit card settlement server 130 and makes a payment request at step 455. When the settlement approval information is received from the credit card settlement server 130, Print receipts for payments and provide them to credit card customers. In the course of the process, the joint purchase of the settlement on which the joint purchase key proposed by the present invention for the purchased product is installed is reserved to be discounted through the fourth step.

On the other hand, if the joint purchase activity information corresponding to the joint purchase key transmitted from the credit card payment terminal device 135 exists in the joint purchase authentication server 110 (460), the joint purchase authentication server 110 transmits Purchase activation information of the joint purchase key received from the server 135 is activated and returned to the credit card payment terminal 135 (465).

As described above, the credit card payment terminal device 135 provided with the joint purchase key with the joint purchase activation information set to be active from the joint purchase authentication server 110 extracts the joint purchase discount information included in the common purchase key, .

If the payment amount for the purchase item is discounted from the credit card payment terminal device 135 to the amount corresponding to the joint purchase discount information through the above process, the credit card payment terminal device 135 sets the joint purchase activation information to be active And transmits the credit card payment information including the joint purchase key and the discounted payment amount to the joint purchase authentication server 110 (460).

When the joint purchase authentication server 110 receives the joint purchase key activated by the credit card payment terminal device 135 and the credit card payment information including the discounted payment amount, the joint purchase authentication server 110 transmits the credit card payment information And extracts the corresponding credit card user information through the credit card issuing organization on the wired / wireless Internet through the credit card information (465).

When the credit card user information is extracted from the credit card payment information as described above, the joint purchase authentication server 110 transmits the joint purchase customer information included in the joint purchase key to the joint purchase customer (Step 470).

If the joint purchaser fails to authenticate in step 475, the joint purchase authentication server 110 ends the corresponding joint purchase using the joint purchase key.

If the authentication of the joint purchasing customer is successful (step 480), the joint purchase authentication server 110 includes the joint purchase key with the joint purchase activation information set to be active and the payment amount discounted by the joint purchase discount information The credit card payment terminal device 135 transmits the credit card payment information to the credit card payment server 130 in step 485 and requests payment in step 490. When the payment approval information is received from the credit card payment server 130, And outputs a receipt for the credit card payment to the credit card customer.

5 is a simplified flowchart of a fourth step in which the credit card payment server 130 approves and clears settlement for a joint purchase product.

The common purchase key and the credit card payment information are transmitted from the credit card payment terminal device 135 to the credit card payment server 130 via the joint purchase authentication server 110 and the settlement approval for the payment amount included in the credit card payment information The credit card payment server 130 confirms the validity of the payment approval according to the given order and event.

If the validity of the credit card payment information is not confirmed in step 505, the credit card payment server 130 generates a payment error code through the merchant information of the credit card payment information, And the payment approval process is terminated (510).

On the other hand, if the validity of the credit card payment information is confirmed (515), the credit card payment server 130 generates payment approval information through the merchant information of the credit card payment information and transmits the payment approval information to the credit card terminal device 135 (520).

If the credit card settlement server 130 normally transmits the settlement approval information to the credit card terminal device 135 through the above process, the credit card settlement server 130 transmits the collective purchase key (525) whether the collective purchase activation information included in the collective purchase activation information is set to be active.

If the common purchase activation information included in the common purchase key is set to be active (530), the payment amount included in the credit card payment information is discounted through the credit card payment terminal 135 . Accordingly, the credit card payment server 130 transfers the joint purchase key to the joint purchase web server 115, and the joint purchase key presented by the present invention is deleted by the credit card payment server 130 The settlement joint purchase using the installed credit card 100 is terminated normally.

On the other hand, if the joint purchase activation information included in the joint purchase key is set to be inactive, the payment amount included in the credit card payment information is not discounted to the joint purchase discount price through the credit card payment terminal 135, The settlement amount should be discounted at the discount price of the joint purchase during the settlement of the settlement amount by the credit card settlement server 130.

Accordingly, the credit card payment server 130 stores the joint purchase key in which the joint purchase activation information is set to be inactive in the credit card payment server 130, and waits until the joint purchase valid period included in the joint purchase key (530) .

If the common purchase validity period has elapsed (535) while the common purchase key is stored until the collective purchase validity period as described above, the credit card settlement server 130 proceeds to the joint purchase web server 115 through the second step, (540) whether there is joint purchase activity information received from the user.

If the collective purchase validity period has passed and the collective purchasing activity information is not transmitted from the collective purchasing web server 115 (545), the collective purchase information using the credit card 100 equipped with the collective purchasing key proposed by the present invention Is canceled in the joint purchase web server 115. [ In this case, the payment server 130 of the credit card 100 deletes the stored joint purchase key and ends the discount process for the joint purchase payment using the credit card 100 having the joint purchase key.

On the other hand, if the active information is transferred from the joint purchase web server 115 to the credit card payment server 130 at or after the expiration of the joint purchase validity period, Key is activated, the joint purchase discount information is extracted from the joint purchase key, and the settlement amount is discounted to a joint purchase discount price (550).

If the settlement and settlement for the joint purchase using the credit card 100 equipped with the joint purchase key provided by the present invention is normally performed through the above process, the credit card payment server 130 transmits the joint purchase key to the joint purchase web (555), and deletes the common purchase key from the credit card payment server (130), so that the joint purchase using the credit card (100) with the common purchase key proposed by the present invention is terminated normally (560).

100: credit card 105: joint purchase key providing server
110: joint purchase authentication server 115: joint purchase web server
120: joint purchase D / B 125: joint purchase table
130: Credit card payment server 135: Credit card payment terminal
140: Client

Claims (4)

A joint purchase key providing method executed by a server operable with a joint purchase web server and capable of communicating with a customer's wireless terminal,
When a specific joint purchase item posted with a pre-discounted amount through the joint purchase web server is available for use through the designated offline store, the specific joint purchase item posted on the joint purchase web server via the communication network Identifies the specific purchase information of a specific customer who has made a joint purchase request for the discounted amount, identifies a specific product for which the specific customer has made a joint purchase request among the products to be sold at the designated offline store, A first step of confirming a joint purchase key of the specific customer that is uniquely generated to identify a valid period in which the specific joint purchase product is available;
A second step of converting the joint purchase key of the specific customer into a form capable of outputting or storing the joint purchase key through a program provided in the wireless terminal of the specific customer;
A third step of processing the transformed joint purchase key to be provided to the wireless terminal of the specific customer;
A fourth step of receiving a joint purchase key recognized and transmitted through a terminal device provided in an offline store visited by the specific customer;
A fifth step of confirming a result of verifying the validity of the received joint purchase key using the joint purchase key of the specific customer; And
And providing the authentication result of the joint purchase key to the terminal device of the offline store.
delete The method according to claim 1,
Storing the joint purchase key information for authenticating the joint purchase key of the specific customer in the designated database when the joint purchase key of the specific customer is confirmed,
Wherein the fourth step further comprises the step of authenticating the validity of the received joint purchase key using the joint purchase key information stored in the database.
delete

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