KR20040005560A - System and Method for Providing Commodity(or Affiliate Store) Recommendation by Using (Credit) Card - Google Patents

Abstract

PURPOSE: A method and system for recommending and supplying a commodity using a credit card is provided to distribute a multi-stage profit by creating an inherent code with respect to a commodity to be recommended through a wire/wireless network, linking the inherent code with card information of other client, supplying the inherent code, and recognizing relation data between many recommendation clients and many recommended clients. CONSTITUTION: A client(recommendation client) connects to a recommendation code provider through a wire/wireless network(300) and selects a recommendation commodity to be recommended to other client(305). If the recommendation commodity is selected completely, the recommendation code provider creates a recommendation inherent code with respect to the recommendation commodity(310). The created recommendation inherent code is transmitted to the client(315). If the recommendation inherent code including created recommendation commodity information is transmitted to the recommended client, the recommended client obtains the recommendation inherent code including transmitted recommendation commodity information(320). If the recommended client generates an event such as a purchase using a card being linked with the obtained recommendation inherent code(325), the recommendation code provider obtains the recommendation inherent code included in the recommendation information(330). If the recommendation code provider checks the recommendation inherent code, related data are constituted by recognizing a relation between the recommendation client and the recommended client(335). A proper profit distribution is executed by referring to the related data(340).

Description

System and Method for Providing Commodity (or Affiliate Store) Recommendation by Using (Credit) Card}

The present invention generates a unique code for a product (or a merchant) to be recommended, and a client to receive the generated recommended unique code according to a request of a client (hereinafter referred to as a client) connected through a wired or wireless network (hereinafter referred to as a client). The card used by the recommended client as the purchase event for the recommended product (or at the affiliated store) from the recommended client occurs due to the use of a card associated with the recommendation unique code Recognizing the recommendation unique code associated with the product, generating the relationship data between the recommended client and the recommended client identified through the recommendation unique code, so that the appropriate revenue distribution between the client (or merchant) recommendation method using the card And to the system.

With the widespread popularity of the Internet, e-commerce on the Internet is developing a lot. Most e-commerce companies provide various payment methods in consideration of the user's convenience, and the user selects a payment method appropriate for himself or herself when purchasing goods or using services to enable electronic commerce.

There are a variety of payment methods, card payment, account transfer, mobile phone payment, etc. are representative ones, card payment is the most common of these trends. Cards are generally payment methods that users prefer to use online and offline, but their utilization is somewhat limited. In addition, cards that provide various services through various alliances with other companies are emerging, but when viewed closely, the card includes a limitation that it is only one payment method.

An object of the present invention to solve the above problems is to generate a unique code for a product (or affiliated store) to be recommended through a wired or wireless network to provide it in association with card information of other clients (recommended client), The present invention provides a method and system for recommending a multi-stage product (or affiliated store) using a card to enable the multi-stage profit distribution using a card by grasping relationship data between a recommended client and a recommended client.

In addition, the client-type method and the recommendation method of mounting the recommendation unique code in the form of an applet in the card of the recommended client using an IC card or a smart card that can be mounted in an applet in accordance with a method of providing a recommendation code in association with the card information. It is to provide a server-managed method in which a unique code generator manages unique code directly from a central server.

1 is a simple configuration diagram in which a recommendation code provider and a client to be implemented in the present invention are connected through a wired or wireless network.

2 is a simplified block diagram for illustrating a relationship between a recommendation and a recommendation between a plurality of clients in accordance with the present invention.

3 is a flowchart briefly illustrating the overall process of implementing the present invention.

4 is a process for selecting a product (or merchant) to be recommended by a (recommended) client connected to a recommendation code provider and providing a recommendation unique code including recommended product (or merchant) information to the (recommended) client. Here is a simple flow chart.

FIG. 5 is a simple flowchart of a process of providing a recommended client with a recommendation unique code including recommended product (or affiliated store) information sent by the recommending client.

6 is a simple flowchart of a process in which a recommended client receiving a recommendation unique code including recommended product (or affiliated store) information from a recommendation client uses a card associated with the recommendation unique code.

7 is a unique recommendation to a recommended client in order for the recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. A simple flow diagram of the process of providing code information.

FIG. 8 illustrates information of a recommended client so that a recommendation client connected to the recommendation code generation server selects a recommendation product, generates a unique recommendation code, and matches the unique recommendation code with credit card information of the recommended client. Simple flow chart for the process provided.

9 is a recommendation client connected to a recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. This is a simple flowchart of the process of providing credit card information of a recommending client.

10 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

11 is composed of a recommendation code generation server, an authentication server, and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and the credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

12 is composed of a recommendation code generation server, an authentication server and a payment terminal, by providing the information associated with the unique recommendation code and credit card information of the recommended client to the payment terminal, to use the unique recommendation code of the recommended client This is a simple example of how to perform authentication.

13 is composed of a recommendation code generation server and a payment terminal, wherein the recommendation code generation server receives the purchased goods and credit card information of the recommended client from the payment terminal and authenticates the use of the recommended recommendation code of the recommended client. This is a simple example.

14 is a simple flowchart of a process in which a recommendation client connected to a recommendation code generation server selects a recommendation product, generates a unique recommendation code, and provides the recommendation client with unique recommendation code information to the recommended client.

15 illustrates a process of recommending clients providing recommended client information in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

FIG. 16 is a simple flowchart illustrating a process in which a recommendation client accessing a recommendation code generation server selects a recommendation product, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

17 is composed of a recommendation code generation server and a payment terminal, when the recommended client purchases the recommended product by credit card (all cards having a data storage function including an IC card or a smart card), the payment is made. Simple example of the case of extracting the unique recommendation code through the terminal to provide to the recommendation code generation server.

18 is a simple exemplary view of a case consisting of a recommendation code generation server, an authentication server and a payment terminal, and providing and storing a unique recommendation code generated through the recommendation code generation server to an authentication server located on a communication network. .

19 is a unique client to a recommended client in order to select a merchant to be recommended by a recommending client connected to the recommendation code generation server, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. This is a simple flow chart of the process of providing referral code information.

20 is a recommendation client accessing a recommendation code generation server, selects a recommendation affiliate, generates a unique recommendation code, and provides information of a recommended client to match the unique recommendation code with credit card information of a recommended client. Here is a simple flow chart of the process.

FIG. 21 illustrates a recommendation client connected to a recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. A simple flow chart of the process of providing credit card information.

22 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

23 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

24 is composed of a recommendation code generation server, an authentication server, and a payment terminal, and provides a payment terminal with information associated with a unique recommendation code and credit card information of a recommended client to a payment terminal for use of a unique recommendation code of a recommended client. This is a simple example of how to perform authentication.

25 is composed of a recommendation code generation server and a payment terminal, and the recommendation code generation server receives the purchase merchant and credit card information of the recommended client from the payment terminal and authenticates the use of the unique recommendation code of the recommended client. This is a simple example.

FIG. 26 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate store, generates a unique recommendation code, and provides unique recommendation code information to a recommended client.

FIG. 27 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client accessing the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

FIG. 28 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

29 is composed of a recommendation code generation server and a payment terminal, and the recommended client uses a credit card (all cards having a data storage function including an IC card or a smart card) to purchase goods or use services at the recommended merchant. At the time, a simple example of the case of extracting the unique recommendation code through the payment terminal to provide to the recommendation code generation server.

30 is a simple exemplary view showing a case in which a recommendation code generation server, an authentication server, and a payment terminal are provided, and a unique recommendation code generated through the recommendation code generation server is provided to an authentication server located on a communication network and stored therein. .

<Description of main parts of drawing>

100: recommendation code provider 105: recommendation code provider module

110: applet providing module 115: recommendation code processing module

120: relationship data processing module 125: transmission processing module

130: recommendation code database 135: member information database

140: recommendation database 145: relational database

150: client

The present invention relates to a method (or merchant) recommendation method and system using a (credit) card, a unique code for a product (or merchant) to be recommended at the request of a client (hereinafter referred to as a client) connected through a wired or wireless network. Generating a recommendation code and providing the generated recommendation unique code in association with card information of a client to be recommended (hereinafter referred to as a client), and a purchase event for the recommended product (or at a merchant) from the recommended client. Recognizing a recommendation unique code associated with a card used by the recommended client when a occurs due to the use of a card associated with the recommendation unique code, and through the recognized recommendation unique code, Generating relationship data of the recommending client; And is a revenue share includes the steps consisting.

According to the present invention, when a client (hereinafter referred to as a referral client) accessing a recommendation code provider through a wired or wireless network selects a product (or an affiliate store) to recommend to another client, the recommendation code provider selects a product (or Will generate a unique referral code for the merchant. The generated unique recommendation code may include corresponding product information (product name, price information, product description, etc.) (or affiliated store information), and includes recommended client information recommending the corresponding product (or affiliated store).

In addition, the recommendation code may include the information, and may be randomly generated through random number generation, and may include new information as the step proceeds. In this step, the recommendation unique code generated by the original recommendation client is transmitted to the recommended client, and the recommendation client becomes a new recommendation client, and the recommendation unique code is transmitted back to a third client (recommended client). As such, the recommendation unique code is spread to a plurality of other clients.

In addition, according to the present invention, the recommendation of the client is possible through all methods that can be delivered through the wired and wireless network, the recommendation unique code that can be included in the recommended information is updated at the same time as the recommendation event is made, the client recommended later When purchasing the product (or at a merchant), it is easy to track the recommended client information.

In addition, according to the present invention, the (recommended) client receives a recommendation unique code including information on the product (or merchant) from the recommendation client using an IC card or a smart card that can be loaded with an applet. The client-type method of mounting the recommendation-specific code in the applet form in the card of the recommendation client and the server-management method in which the recommendation code generator directly manages the recommendation code in the central server may be possible.

In addition, according to each of the above methods, the recommendation unique code is provided in association with the card information of each client. In the case of the client-type method, the applet including the recommendation unique code is included in the client IC card (or smart card). In the case of a server-managed method, it is possible to match the card information (card type, card number, etc.) of the client in the recommendation code provider.

In addition, according to the present invention, it is noted that the recommendation code provider described in the present invention may exist independently and may be included in a card company or a card company association.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 is a simple configuration diagram in which the recommendation code provider 100 and the client 150 to be implemented in the present invention are connected through a wired or wireless network.

According to the present invention, it generates a recommendation unique code for the product (or merchant) according to the request from the client 150 connected through the wired or wireless network, and the generated recommendation unique code to other clients 150 (recommended client ( 150) provides a recommendation code provider 100 may be present independently, but it may be appropriate to be located in the card company for the smooth implementation of the present invention.

In addition, as described above, the method of providing the recommendation code generated by the recommendation code provider 100 is matched with the card information (including the card number) of the client 150 to be recommended and recommended within the recommendation code provider 100. The server management method for processing and storing related data, and the client 150 method for recommending the code provider 100 to be provided in an applet form so that the recommendation code provider 100 can be mounted on the IC card (or smart card) of the client 150. All of these may be possible, and in the case of the server management type, it is impossible to mount an applet, and a magnetic card that is currently used in the majority will be appropriate.

The recommendation code provider 100 may include a recommendation code providing module 105, an applet providing module 110, a recommendation code processing module 115, a relation data processing module 120, a transmission processing module 125, and a recommendation code database. 130, the member information database 135, the recommendation information database 140, the relational database 145, and the like, and the functions and operations of the module and the database are described in more detail below. do.

The recommendation code providing module 105 is a client 150 connected to the recommendation code provider 100 through a wired or wireless network to make a recommendation for a corresponding product (or an affiliated store) to another client 150. When the client (150) recommended the product (or merchant) generated an event, such as a purchase using the recommendation information received by the user, for tracking of the recommended client 150 recommended to generate the event It generates the recommended unique code required.

In addition, the recommendation unique code includes information of recommendation clients 150 and information of a corresponding product (or affiliated store). In addition, the recommendation code may be generated through a random number generator or the like, and the number or form of the recommendation code may be generated including all numbers and letters.

In addition, the recommendation code providing module 105 is a new client 150 (recommended client 150) to obtain a recommendation unique code including the product (or merchant) information, etc. for the first generated recommendation code. When recommending the recommendation unique code obtained as the recommendation client 150 to the other client 150, it may be in charge of updating the recommendation code.

The applet providing module 110 processes the recommendation unique code including the recommended product (or affiliated store) information from the recommendation client 150 in the form of an applet and mounts it on the IC card or smart card possessed by the recommended client 150. To this end, it functions to form and provide the applet.

The applet including the recommended unique code is transmitted to the recommended client 150 on the wired / wireless network through a transmission processing module to be described below, and the recommended client 150 uses a card reader or a wireless communication device capable of inserting a card. It will be mounted on your IC card or smart card.

The recommendation code processing module 115 provides the recommendation code provider without downloading the applet including the recommendation unique code to the recommended client 150 when the recommended client 150 possesses a magnetic card or the like which cannot download the applet. The internal processing of the recommendation information including the recommendation code 100 is performed. In this case, the recommendation client 150 information, the recommendation unique code information, the recommended client 150 information, and the like are matched with the card information of each client 150 and processed in the recommendation code provider 100.

The relationship data processing module 120 may receive an event (such as a product purchase) from the recommended client 150 that obtains a recommendation unique code including recommended product (or affiliated store) information or the like (or purchase from a merchant). ), The client 150 recommending the corresponding product (or merchant) by reading the recommendation code through an applet including the recommendation unique code installed in the card used by the recommended client 150. By grasping the information of) (s) serves to generate the relationship data for the distribution of revenue between the recommended client 150 (s) and the recommended client 150.

The profit distribution may be provided in various forms such as discounts, points, coupons, tickets, miles, gift certificates, etc., but is not limited thereto. In addition, the revenue distribution ratio between the clients 150 is not particularly limited.

The transmission processing module 125 is responsible for transmitting information between the recommendation code provider 100 and the client 150, and the information is made through a wired or wireless network.

The recommendation code database 130 is a database on which the recommendation unique code generated by the recommendation code providing module 105 is mounted. The recommendation unique code is information of the recommendation client 150 and the recommended client 150. Is stored in the database.

The member information database 135 is a database in which information (personal information, card information, etc.) of the client 150 connected to the recommendation code provider 100 is stored, and the card information includes a card number, a card type, and the like. This includes.

The recommendation information database 140 includes a product (or affiliated store) information on which the recommended client 150 recommends the recommended client 150 to the recommended client 150. Information about (or affiliated stores) is possible, and the recommendation information is stored by matching with the recommendation unique code.

The relational database 145 is a database in which relational data generated to grasp the relationship between the recommended client 150 and the recommended client 150 is stored. The relational data mounted in the database is a recommended client. When an event (purchase, etc.) for the recommendation product (or affiliated store) information acquired by the recommendation client 150 from 150 is generated, it is made through confirmation of the recommendation unique code, which is generated between the client 150 (s). It has a favorable effect on profit sharing.

The client 150 connects to the recommendation code provider 100 through a wired or wireless network, and downloads an IC card or a smart card capable of downloading an applet including a recommendation unique code having information such as a recommendation product (or a merchant). The client 150 may download the applet using a personal computer equipped with a card reader, a wireless communication device capable of inserting a card, or the like, and the client 150 having a card that is difficult to download the applet has an Internet connection. The present invention can be used via a possible terminal.

2 is a simple block diagram for illustrating a relationship between a recommendation and a recommendation between a plurality of clients 150 according to the present invention.

As shown in FIG. 2, it is possible to transmit the recommendation unique code to the client 150 to the client 150, and may also be possible to the client 150 to the majority of the clients 150. The recommendation unique code generated by the original recommendation client 150 includes corresponding product (or affiliate) information for a specific product (or affiliate) selected by the recommendation client 150 and is provided to the recommended client 150. It is done.

The recommended client 150 provided with the recommendation unique code from the recommendation client 150 may become a new recommendation client 150 again and provide the recommendation unique code to the other client 150. The recommendation unique code may be appropriate in the form in which the original generated recommendation unique code is updated or associated with it, and this method facilitates distribution of profits by identifying recommendation and recommended relations among a plurality of clients 150 related to one recommendation unique code. Can help

3 is a flowchart briefly illustrating the overall process of implementing the present invention.

This drawing generates a recommendation unique code for a corresponding recommendation product (or affiliated store) from a connection of a recommendation code provider 100 of a client 150 through a wired / wireless network, and transmits the recommendation unique code to the recommended client 150 to the recommended recommendation. When the client 150 generates an event such as a purchase through a card associated with the recommendation unique code including the recommendation product (or affiliated store) information recommended by the recommendation client 150, the proper revenue distribution between the clients 150 is achieved. It is a flow chart of the prerequisite process to be provided.

The client 150 (recommended client 150) connects to the recommendation code provider 100 through the wired or wireless network (300), and recommends a product (or a merchant) to recommend to another client 150 (recommended client). (305). When the recommendation product (or merchant) selection of the recommendation client 150 is completed, the recommendation code provider 100 generates a recommendation unique code for the recommendation product (or merchant) (310). The recommendation unique code generated through the process is transmitted to the recommended client 150 (315).

When a recommendation unique code including generated recommendation product (or merchant) information is transmitted to the recommended client 150 through a wired or wireless network, the recommended client 150 may transmit the recommended product (or merchant) information. A recommendation unique code including a is obtained (320). When the recommended client 150 generates an event such as a purchase using a card associated with the obtained recommendation unique code (325), the recommendation code provider 100 checks the recommendation unique code included in the recommendation information. (330).

When the recommendation code provider 100 confirms the recommendation unique code, after identifying the relationship between the recommendation client 150 (s) and the recommended client 150 to construct the relationship data (335), the recommendation code is referred to as appropriate. Profit distribution is performed (340).

For example, the relationship data is in the distribution of revenue generated due to a purchase event of the recommended client 150 when the recommendation between the recommendation client 150 and the recommended client 150 continues in a pyramid form. Clients 150 associated with the recommended client 150 (for example, when A recommends B, and when B recommends C again, client 150 associated with C is configured by A and B Data) to indicate the relationship with the data.

In addition, the processes shown in FIG. 2 indicate that the recommended client 150 may be repeated and executed when the recommended client 150 recommends the third client 150.

4 is a recommendation in which the (recommended) client 150 accessing the recommendation code provider 100 selects a product (or affiliated store) to be recommended and includes the recommended product (or affiliated store) information to the (recommended) client 150. This is a simple flow chart of the process of providing a unique code.

When the recommendation client 150 connects to the recommendation code provider 100 through the wired / wireless network (400) and selects a recommendation product (or a merchant) to recommend to the recommended client 150, the recommendation code provider 100 In operation 405, the recommendation client 150 checks the selected recommendation product (or affiliated store) information. The recommended product (or affiliated store) information may be information for the recommended client 150 to inform the recommended client 150 of information on a product (or affiliated store) having a specific content in detail, and the recommended client using the recommended client 150. It is revealed that the information may be 150 to induce a purchase of the product (or affiliated store).

When the recommendation code provider 100 confirms the recommended product (or affiliated store) information, the recommendation code providing module in the recommendation code provider 100 generates a recommendation unique code for the information (410). The recommendation unique code means a unique code matching the recommendation client 150, and the generated unique recommendation code includes information about a product (or an affiliated store) recommended by the recommendation client 150.

When the recommendation unique code is generated through the recommendation code providing module, the recommendation code provider 100 obtains information of the recommended client 150 from the recommendation client 150 (415). The information of the recommended client 150 may include transmission means on a wired / wireless network capable of transmitting a recommendation unique code including the recommended product (or affiliated store) information, card information of the client 150, and the like. The transmission means means a means for moving the recommendation information sent to the recommended client 150 of the recommendation client 150, for example, in the case of a wired network, e-mail, in the case of a wireless network, SMS (LMS, MMS), etc. It will be possible, and not limited to this for the smooth implementation of the present invention, it is specified that it can include all transmission means over a wired and wireless network.

In addition, the card information may distinguish whether the recommendation unique code including the recommended product (or merchant) information is an IC card (or a smart card) that can be mounted in the form of an applet or an existing magnetic card. Card information such as a card number.

When the recommendation code provider 100 obtains the information of the recommended client 150, the card information of the recommended client 150 may be checked (420), and the applet including the recommended unique code may be loaded ( IC card or smart card) or an existing magnetic card. If the card can be loaded with the applet including the recommendation information (425), the recommendation code provider 100 provides the applet including the recommendation information on the IC card or smart card of the recommended client 150 through the wired or wireless network. It is made (430).

However, in the case of a card that cannot mount an applet or the like including the recommendation unique code (435), the recommendation code provider is matched with the client 150 information and the card information through the recommendation code processing module in the recommendation code provider 100. It is stored in 100 (440).

FIG. 5 is a simple flowchart illustrating a process of providing a recommendation client 150 with a recommendation unique code including information on recommendation products (or merchants) sent by the recommendation client 150.

In the drawing, the recommendation client 150 sends a recommended unique code including recommended product (or affiliated store) information to the recommended client 150, and the recommendation code provider 100 of the recommended client 150 Checking the information to provide the corresponding recommendation unique code, and the recommended client 150 receives the event to generate an event, such as a product (or at a recommended merchant) purchase through the card associated with the recommendation unique code Simple flow chart.

After the recommendation code provider 100 confirms the information of the recommended client 150 to obtain the recommendation unique code from the recommendation client 150 (500), the recommended client 150 the recommended product (or affiliated store) information You will see if you can receive the recommended unique code that contains. If the recommended unique code including recommended product (or affiliated store) information is provided to the recommended client 150 in the form of an applet (505), the applet download initialization operation of the recommended client 150 is performed (510). ).

The applet download initialization operation means that the recommended client 150 determines whether an environment in which the applet is downloaded by the IC card or smart card is appropriate. More specifically, it is necessary to connect the card reader or download the applet. Whether the application is provided, such as determining the validity of the card.

However, when the card possessed by the recommended client 150 is a card that cannot be downloaded by the applet including the recommendation unique code (515), the client 150 information is provided through the recommendation code processing module in the recommendation code provider 100. And the card information is stored in the recommendation code provider 100 and processed (520), the recommended client 150 uses the card associated with the recommendation unique code for the corresponding recommendation product (or a recommended affiliate store). In step 525, a purchase of a product is performed.

Since the applet including the recommended unique code can be provided to the recommended client 150 and the download initialization operation of the applet is completed, the applet containing the recommended unique code is recommended through the wired / wireless network after determining whether to download the applet. The download is performed to the card (IC card or smart card) of the client 150 (530).

If the download is not performed smoothly (535), a retry message is output (540).

When the recommended unique code download in the form of an applet having recommended product (or affiliated store) information is completed to the card of the recommended client 150 (545), the recommended client 150 recommends using the card on which the applet is mounted. The purchase of a product according to the received product (or affiliated store) information is performed (550).

6 is a simple flowchart illustrating a process of using a card associated with the recommendation unique code by the recommended client 150 having received the recommendation unique code including the recommendation product (or affiliated store) information from the recommendation client 150.

The card associated with the recommendation unique code obtained by the recommended client 150 that has obtained the recommendation unique code including the recommended product (or affiliated store) information from the recommendation client 150 is included in the product recommended by the recommendation client 150. When used at the time of purchase (or at a recommended merchant) (600), the recommendation code provider 100 checks the recommended unique code obtained by the recommended client 150 (605). Confirmation of the recommendation unique code is necessary to prepare the relationship data for the recommendation client 150 and the recommended client 150, and contributes to the appropriate revenue distribution by using this.

As described above, according to the type of the card held by the recommended client 150, the obtaining of the recommended product information may include a method of the client 150 storing the recommendation unique code in the form of an applet on the IC card (or smart card); If you have a card that can't load applet-like recommendations, you can use the server management method.

In the case of the client 150 scheme, the recommendation code provider 100 reads the recommendation unique code according to the use of the card of the recommended client 150 by using the card (IC card or smart card) of the recommended client 150. This is made possible by an applet built in. The applet stores a recommendation unique code including information on recommended products (or affiliated stores), and is mounted on a predetermined area of the card, and is used to purchase a recommended product (or at a recommended affiliated store). Updates are made accordingly. In addition, the applet information may be transmitted from the payment terminal (CAT, POS, etc.) to the card company or the recommendation code provider 100 in real time, or may be transmitted in a batch form.

When the recommendation code provider 100 confirms the recommendation unique code of the recommended client 150, the relationship data processing module in the recommendation code provider 100 may use the relation data between the recommendation client 150 and the recommended client 150. It will be written (610).

The relationship data is generated by matching the card information, member information, and recommendation unique code of the recommendation client 150 (s) and the recommended client 150 (s), and the recommendation code provider 100 is used as the relationship data. Profit distribution can be performed (615).

When appropriate distribution of revenue for each client 150 is completed using the relationship data, the recommendation code provider 100 may store the details in a database (620).

Hereinafter, in a preferred embodiment of the present invention, a server-managed method for implementing the present invention by cooperatively processing credit card information of a recommended client without downloading a unique recommendation code will be described in more detail with reference to the accompanying drawings. do.

FIG. 7 is a unique recommendation to a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. A simple flow diagram of the process of providing code information.

According to the present invention, the use of the unique recommendation code of the recommended client can be authenticated by allowing the unique recommendation code including the product information and the recommendation client information and the credit card information of the recommended client to be matched and stored.

The recommendation client connects to the recommendation code generation server 700, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 705, the recommendation code generation server determines whether the recommendation client is a member.

The determination of the membership, if the member of the recommendation code generation server (710), the recommendation client does not need to enter their personal information for the generation of a unique recommendation code, the recommendation code generation server automatically In step 715, the member information may be searched to generate a recommendation code. However, if the recommendation client is not a member (720), the recommendation client enters his or her personal information to generate a unique recommendation code (725).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information.

When the unique recommendation code is generated, the recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (730).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (735), and if the recommendation client wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client must Provide credit card information (740).

The recommendation code generation server receives the credit card information from the recommended client, and matches and stores the unique recommendation code and the credit card information of the recommended client (745).

8 shows information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. Simple flow chart for the process provided.

The recommendation client connects to the recommendation code generation server (800), selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 805, the recommendation code generation server determines whether the recommendation client is a member.

In the determination of whether or not the member is a member of the recommendation code generation server (810), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code, and the recommendation code generation server automatically In operation 815, the member information may be searched to generate a recommendation code. However, if the recommendation client is not a member (820), the recommendation client enters his or her personal information to generate a unique recommendation code (825).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information.

When a unique recommendation code is generated, the recommendation client sends the recommendation code generation server to contact the recommendation client with information (e.g., telephone number, mobile phone number, address, etc.) of the recommendation client to provide the unique recommendation code to the recommended client. All inclusive).

The recommendation code generation server that obtains the recommended client information from the recommendation client provides the recommended recommendation client information to the recommended client according to the information (835).

If the recommended client confirms the unique recommendation code information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (840).

If the recommended client accessing the recommendation code generation server wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client provides its own credit card information (845) and the recommendation code generation server. In operation 850, the unique recommendation code and credit card information of the recommended client are matched and stored.

9 shows a recommendation client connected to a recommendation code generation server to select a recommendation product, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. This is a simple flowchart of the process of providing credit card information of a recommending client.

The recommendation client connects to the recommendation code generation server 900, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 905, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (910), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code, and the recommendation code generation server automatically Search for the member information to generate a recommendation code (915). However, if the recommendation client is not a member (920), the recommendation client must input his or her personal information to generate a unique recommendation code (925).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, the recommendation client provides credit card information of the recommended client (930). ).

The recommendation code generation server that obtains the credit card information of the recommended client provides a message informing the recommended client of the use of the credit card information before confirming the credit card information (935). If it is confirmed and allowed (940), the credit card information is only confirmed and matched with the unique recommendation code and stored (945).

Hereinafter, after the unique recommendation code is generated through the processes of FIGS. 7, 8, and 9, and the generated unique recommendation code and credit card information of the recommended client are matched and stored, the recommended client is stored. In the process of using the credit card, a simple example of the authentication process of the unique recommendation code.

FIG. 10 is a simple example of a case in which a recommendation code generation server and a payment terminal are included and information in which a unique recommendation code and credit card information of a recommended client exist in a payment terminal.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) a product to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server recalls the recommendation product information. A unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (1).

According to this figure, the recommendation code generation server provides the associated unique recommendation code and the information of the recommended client to the payment terminal of a merchandise sales affiliated store (2), and the payment terminal pays the linked information. It is stored in the terminal memory area (3).

When the recommended client purchases a product recommended by the recommendation client at the affiliated store, when the linked card is used (4), the payment terminal is associated with the unique recommendation code previously stored in the memory area. A comparison is made with credit card information of the recommended client (5).

Through the comparison, the payment terminal extracts the unique recommendation code for the sale product (6), transmits the extracted unique recommendation code to the recommendation code generation server (7), and the recommendation code generation server is the payment terminal. By obtaining the unique recommendation code from the information on the recommendation client included in the unique recommendation code, to provide the appropriate incentive according to the product recommendation to the recommendation client (8). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

The unique recommendation code provided by the payment terminal to the recommendation code generation server may be periodically provided in a real time or batch manner. .

11 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the authentication server with information associated with the unique recommendation code and the credit card information of the recommended client to the authentication server to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

The recommendation code generation server generates a unique recommendation code by linking information about a product recommended by the recommendation client with the recommendation client information, and stores the generated unique recommendation code in association with the credit card information of the recommended client. (1), the recommendation code generation server provides credit card information of the recommended client and information associated with the unique recommendation code to an authentication server located on a communication network (2).

According to this figure, the unique recommendation code provided to the authentication server and the associated information of the recommended client are stored in the database of the authentication server (3).

When a purchase of a product recommended by the recommending client is performed using a card of the recommended client linked to the unique recommendation code (4), the product sales settlement terminal obtains credit card information from the card of the recommended client. (5), the acquired credit card information is provided to the authentication server (6).

The authentication server that obtains the credit card information of the recommended client from the payment terminal extracts the unique recommendation code by using the credit card information of the recommended client linked to the unique recommendation code previously stored in the database (7). .

The authentication server provides the extracted unique recommendation code to the payment terminal (8) to confirm whether it matches the product information included in the unique recommendation code (9), and to provide the confirmed information to the authentication server (10). .

The authentication server confirms the unique recommendation code confirmation information received from the payment terminal (11) and provides the verified unique recommendation code to the recommendation code generation server (12). The recommendation code generation server obtains a unique recommendation code from the authentication server and grasps information of the recommendation client included in the unique recommendation code, thereby providing the recommendation client with an appropriate incentive according to the product recommendation (13).

The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

12 is composed of a recommendation code generation server, an authentication server and a payment terminal, and provides the payment terminal with information associated with the unique recommendation code and credit card information of the recommended client to the payment terminal to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

When the recommendation client connected to the recommendation code generation server selects (or inputs) a product to be recommended to the recommended client and provides recommendation product information, the recommendation code generation server includes the recommendation product information and the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (1).

According to this figure, the recommendation code generation server provides the credit card information of the recommended client linked to the unique recommendation code to the payment terminal of the recommended product sales affiliated store (2), and the payment terminal provides the unique recommendation code. (3) store the credit card information of the recommended client processed in association with the (3).

When the recommended client makes a purchase of a product recommended by the recommending client using the linked card (4), the payment terminal acquires credit card information from the card of the recommended client (5), The unique recommendation code for the product is extracted by comparing the unique recommendation code stored in the memory area with credit card information linked to the unique recommendation code (6).

The payment terminal provides the extracted unique recommendation code to the authentication server (7), the authentication server checks the received unique recommendation code (8), and provides the recommendation code according to the purchased product to the recommendation code generation server. (9).

FIG. 13 includes a recommendation code generation server and a payment terminal, and the recommendation code generation server receives the purchased goods and credit card information of the recommended client from the payment terminal and authenticates the use of the recommended recommendation code of the recommended client. This is a simple example.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) a product to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server recalls the recommendation product information. A unique recommendation code is generated in association with recommendation client information, and the generated unique recommendation code is processed in association with credit card information of the recommended client to be stored in a predetermined database (1).

When the recommended client makes a purchase of a product recommended by the recommended client using his card (2), the payment terminal of the product selling store acquires the product information and credit card information of the recommended client ( 3) provide to the recommendation code generation server (4).

Product information provided by the payment terminal to the recommendation code generation server and credit card information of the recommended client may be provided in a batch in real time or in a batch manner.

The recommendation code generation server receives the product information and the recommended client credit card information from the payment terminal, and extracts the unique recommendation code associated with the credit card information of the recommended client previously stored in a predetermined database. 5).

The recommendation code generation server uses the extracted unique recommendation code (6) to provide appropriate incentives according to product recommendation of the recommendation client (7). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Hereinafter, in a preferred embodiment of the present invention, a client type that generates a unique recommendation code in the form of an applet and provides it as a credit card (all cards having a data storage function including an IC card or a smart card) of the recommended client. The method will be described in more detail with reference to the accompanying drawings.

Hereinafter, according to an embodiment, the use of the unique recommendation code of the recommended client may include a unique recommendation code including product information and the recommendation client information in the form of an applet (including all types of data that can be stored in the credit card). Receiving a credit card (IC card, or any card having a data storage function including a smart card) of the recommended client, the credit card (IC card, or having a data storage function including a smart card) When purchasing a recommendation product through all cards), it is possible to authenticate the unique recommendation code applet mounted on the credit card.

According to the present embodiment, when the credit card includes at least one IC chip or a memory area mounted in a wireless (mobile) terminal including credit card information, the wireless (mobile) terminal may include a PCS ( Personal Communication System (GSM), Global System for Mobile Communication (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone (IMT-2000), International Mobile Telecommunication- 2000) and all wireless terminals.

In addition, as described above, it is revealed that the unique recommendation code includes recommendation client information and information on products recommended by the recommendation client, and the generated unique recommendation code is loaded on the recommended client and operated offline. In the generating step, it may include an encryption process.

In addition, according to the present invention, in the present embodiment, the unique recommendation code, if the credit card number system includes, it is specified that the transmission through the wired and wireless communication network and short-range data communication.

According to the present invention, in the present embodiment, if the unique recommendation code includes a credit card number system, the unique recommendation code may be transmitted through wired / wireless communication network and short-range data communication, and the unique recommendation code may be a one-dimensional barcode or a two-dimensional barcode. In the case of electronic authentication image data including a 3D barcode, a color barcode, and the like, the payment terminal further includes a barcode reader capable of recognizing the electronic authentication image data.

In addition, the short range data communication more specifically means data communication using infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, and wireless LAN.

In addition, the incentive payment according to the product recommendation specifies that the first client, the second client, ..., the n-th client can be paid in stages.

14 is a simple flowchart of a process in which a recommendation client connected to a recommendation code generation server selects a recommendation product, generates a unique recommendation code, and provides the recommendation client with unique recommendation code information to the recommended client.

The recommendation client accesses the recommendation code generation server (1400), selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1405, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (or a website associated with the server) (1410), the recommendation client needs to input his or her personal information in order to generate a unique recommendation code. The recommendation code generation server may automatically search for member information to generate a recommendation code (1415).

However, when the recommendation client is not a member (1420), the recommendation client inputs his or her personal information to generate a unique recommendation code (1425).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, and provides information on the generated unique recommendation code to the recommended client. The recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as mail, phone number, mobile phone number, and address (1430).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (1435), and if it wants to use the generated unique recommendation code, the recommendation code generation server sends the recommendation code to the recommendation client. Request a download (1440).

The recommendation code generation server may provide the generated unique recommendation code to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client according to the request of the recommended client ( 1445).

15 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation product, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

The recommendation client connects to the recommendation code generation server 1500 to generate a unique recommendation code to be provided to the recommended client, selects (or inputs) a product to recommend, and generates the unique recommendation code to the recommendation code generation server. Upon request (1505), the recommendation code generation server determines whether the recommendation client is a member, and if the user is a member (1510), the recommendation code generation server automatically searches for member information to extract information of the recommendation client, and A unique recommendation code including the recommended product information may be generated (1515).

However, if the recommendation client is not a member (1520), the recommendation client must input his or her personal information to generate a unique recommendation code (1525).

When the recommendation client information is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information. When the recommendation client code is generated, the recommendation client generates the unique recommendation code information. In order to provide the recommended client, the recommendation code generation server provides the recommended client's information (including all of contact information such as an email, a phone number, a mobile phone number, and an address) to the recommended code generation server (1530).

The recommendation code generation server that obtains the recommended client information from the recommending client provides the recommended client with unique recommendation code information including product information and recommended client information with reference to the information (1535).

When the recommended client receives the unique recommendation code information including the recommendation client information and the product information from the recommendation code generation server, the recommended client accesses the recommendation code generation server (1540).

If the recommended client connected to the recommendation code generation server wants to use a unique recommendation code generated according to the request of the recommendation client, the recommended client may store a data storing function including its own credit card (IC card or smart card). All cards having a) request to download the unique recommendation code (1545).

The recommendation code generation server receiving the unique recommendation code download request of the recommended client may use the generated unique recommendation code as a credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. To be provided (1550).

FIG. 16 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation product, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

The recommendation client connects to the recommendation code generation server 1600, selects (or inputs) a recommendation product for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1605, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (1610), the recommendation code generation server generates a unique recommendation code through a member information search (1615). However, if the recommendation client is not a member (1620), the recommendation client must enter his or her personal information to generate a unique recommendation code (1625).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation product information, the recommendation client requests the provision of the generated unique recommendation code (1630). ).

The recommendation client provides the recommended client with the unique recommendation code obtained from the recommendation code generation server (1635). If the recommended client does not allow obtaining a unique recommendation code, the recommendation client receives a unique recommendation code not available message, and if the recommended client allows obtaining a unique recommendation code (1640), the unique recommendation code is obtained. The recommendation code is loaded on the recommended client's credit card (IC card, or any card having a data storage function including a smart card) (1645).

In the following embodiment, a unique recommendation code is generated through the process of FIGS. 14, 15, and 16, and a unique recommendation code including a recommendation client information and recommendation product information is selected from a credit card (IC card, Or all cards having a data storage function including a smart card), and then, in the process of the recommended client using a credit card equipped with the unique recommendation code, a simple example of the authentication process of the unique recommendation code. It is an attempt.

Fig. 17 is composed of a recommendation code generation server and a payment terminal, and when the recommended client purchases the recommendation product with a credit card (all cards having a data storage function including an IC card or a smart card), the payment is made. Simple example of the case of extracting the unique recommendation code through the terminal to provide to the recommendation code generation server.

A recommendation client connected to a recommendation code generation server through a wired or wireless network selects (or inputs) a product to be recommended to a recommended client, and provides recommendation product information, and the recommendation code generation server recalls the recommendation product information. The unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is provided to the credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. (One).

When the recommended client purchases the product recommended by the recommending client with the credit card (2), the payment terminal of the product selling store extracts the unique recommendation code stored in the credit card of the recommended client, or It is provided from the credit card of the recommended client (3) and provided to the recommendation code generation server (4).

The recommendation code generation server pays appropriate incentives for product recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal (5).

FIG. 18 is a simple exemplary view of a case in which a recommendation code generation server, an authentication server, and a payment terminal are provided, and a unique recommendation code generated through the recommendation code generation server is provided to an authentication server located on a communication network and stored therein. .

When the recommendation client connects to the recommendation code generation server and selects (or inputs) a product to be recommended to the recommended client and provides recommendation product information, the recommendation code generation server associates the recommendation product information with the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is provided to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client (1).

The recommendation code generation server provides the unique recommendation code information to the authentication server on the communication network (2), and the authentication server stores the unique recommendation code information in a database in the authentication server (3).

When the recommended client attempts to purchase a product recommended by the recommendation client using a credit card storing a unique recommendation code (4), the product sales payment terminal extracts the unique recommendation code stored in the credit card of the recommended client. (Or received from the credit card of the recommended client) (5) provided to the authentication server (6).

When the unique recommendation code is provided to the authentication server, the authentication server performs an authentication process by comparing the provided unique recommendation code with the unique recommendation code information previously stored in a database (7), and the unique recommendation code to the recommendation code generation server. (8), the recommendation code generation server pays appropriate incentives for product recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal.

Hereinafter, a preferred embodiment of the present invention downloads a unique recommendation code including recommended merchant information and recommended client information to a recommended client credit card (all cards having a data storage function including an IC card or a smart card). Instead, the server-managed method for implementing the present invention by linking with the credit card information of the recommended client will be described in more detail with reference to the accompanying drawings.

FIG. 19 is unique to a recommended client in order to select a merchant to recommend by a recommending client connected to the recommendation code generation server, generate a unique recommendation code, and match the unique recommendation code with credit card information of the recommended client. This is a simple flowchart of the process of providing recommendation code information.

According to the present invention, the use of the unique recommendation code of the recommended client can be authenticated by allowing the unique recommendation code including the recommended merchant information and the recommendation client information and the credit card information of the recommended client to be matched and stored.

The recommendation client connects to the recommendation code generation server (1900), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 1905, the recommendation code generation server determines whether the recommendation client is a member.

In the determination of whether or not a member is a member of the recommendation code generation server (1910), the recommendation code generation server may automatically search for member information and extract recommended client information to generate a unique recommendation code (1915). ). However, if the recommendation client is not a member (1920), the recommendation client inputs his or her personal information to generate a unique recommendation code (1925).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate store information.

When the unique recommendation code is generated, the recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (1930).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (1935), and if the recommendation client wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client may Provide credit card information (1940).

The recommendation code generation server receives the credit card information from the recommended client, and matches and stores the unique recommendation code and the credit card information of the recommended client (1945).

20 shows information of a recommended client so that a recommendation client connected to the recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, and matches the unique recommendation code with credit card information of the recommended client. Here is a simple flow chart of the process.

The recommendation client accesses the recommendation code generation server (2000), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. If (2005), the recommendation code generation server determines whether the recommendation client is a member.

The determination of whether or not the member is a member of the recommendation code generation server (2010) may cause the recommendation code generation server to automatically search for member information to generate a recommendation code (2015). However, if the recommendation client is not a member (2020), the recommendation client enters his or her personal information to generate a unique recommendation code (2025).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate store information.

When the unique recommendation code is generated, the recommendation client may contact the recommendation code generation server with information of the recommended client (e.g., a telephone number, a mobile phone number, an address, etc.) to provide the recommendation client with the unique recommendation code information. It includes all) (2030).

The recommendation code generation server that obtains the recommended client information from the recommending client provides the recommended client with information of the unique recommendation code including the recommended affiliate store information and the recommended client information with reference to the information (2035).

If the recommended client confirms the unique recommendation code information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (2040).

If the recommended client accessing the recommendation code generation server wants to use the unique recommendation code generated according to the request of the recommendation client, the recommended client provides the credit card information of the user (2045), and the recommendation code generation server The unique recommendation code and the credit card information of the recommended client are matched and stored (2050).

21 shows a recommendation client connected to the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and match and store the unique recommendation code and credit card information of the recommended client. A simple flow chart of the process of providing credit card information.

The recommendation client connects to the recommendation code generation server (2100), selects (or inputs) a merchant to recommend for generating a unique recommendation code to be provided to the recommended client, and generates the unique recommendation code in the recommendation code generation server. If requested (2105), the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (2110), the recommendation client does not need to manually input his or her personal information to generate a unique recommendation code. Search for the member information to generate a recommendation code (2115). However, if the recommendation client is not a member (2120), the recommendation client must input his or her personal information to generate a unique recommendation code (2125).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, the recommendation client provides credit card information of the recommended client (2130). ).

The recommendation code generation server that obtains the credit card information of the recommended client provides a message informing the recommended client of using the credit card information through the wired / wireless network before confirming the credit card information (2135). If the recommended client confirms and allows it (2140), the credit card information is only confirmed and then stored in accordance with the unique recommendation code (2145).

In the following embodiment, the unique recommendation code including the recommended merchant and recommendation client information is generated through the process of FIGS. 19, 20, and 21, and the generated unique recommendation code is matched with the credit card information of the recommended client. After this, the recommended client in the process of using the credit card, a simple example of the authentication process of the unique recommendation code.

22 is a simple example of a case in which a recommendation code generation server and a payment terminal are provided, and information in which a unique recommendation code and credit card information of a recommended client exist in the payment terminal.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client and provides the recommendation merchant information, the recommendation code generation server recalls the recommendation merchant information. The unique recommendation code is generated in association with the recommendation client information, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (a).

According to this figure, the recommendation code generation server provides the associated unique recommendation code and the information of the recommended client to the payment terminal of the recommended affiliate store (b), and the payment terminal pays the linked processing information. (C) store in the terminal memory area.

When the recommended client uses the linked card when purchasing a product or using a service at the recommended affiliated store (d), the payment terminal is linked with the unique recommendation code previously stored in a memory area. (E) A comparison is made with the credit card information of the recommended client.

Through the comparison, the payment terminal extracts the unique recommendation code for the recommendation merchant (f), transmits the extracted unique recommendation code to the recommendation code generation server (g), and the recommendation code generation server is unique from the payment terminal. Obtaining the recommendation code, grasping the information of the recommendation client included in the unique recommendation code, to provide the recommendation client with the appropriate incentive according to the product recommendation (h). The incentive includes at least one of cash, or points, or miles, or tickets, or gift certificates.

The unique recommendation code provided by the payment terminal to the recommendation code generation server may be provided in a batch in real time or in a batch manner.

Fig. 23 is composed of recommendation code generation server, authentication server and payment terminal, and provides the authentication server with the information related to the unique recommendation code and the credit card information of the recommended client to the authentication server. This is a simple example of how to perform authentication.

If the recommendation code generation server generates a unique recommendation code by linking the information on the affiliated store recommended by the recommendation client with the recommendation client information, and stores the generated unique recommendation code in association with the credit card information of the recommended client (a), the recommendation code generation server provides credit card information of the recommended client and information associated with the unique recommendation code to an authentication server located on a communication network (b).

The unique recommendation code provided to the authentication server and the associated processed information of the recommended client are stored in the database of the authentication server (c).

(D) When the product purchase or service use is performed at the affiliated shop recommended by the recommending client with the card of the recommended client linked to the unique recommendation code, the product sales settlement terminal receives credit card information from the card of the recommended client. Obtain (e) and provide the obtained credit card information to the authentication server (f).

The authentication server that obtains the credit card information of the recommended client from the payment terminal extracts the unique recommendation code by using the credit card information of the recommended client linked to the unique recommendation code previously stored in a database (g). .

The authentication server confirms (h) the unique recommendation code confirmation information received from the payment terminal (i) and provides the confirmed unique recommendation code to the recommendation code generation server (j). The recommendation code generation server obtains a unique recommendation code from the authentication server and grasps information of the recommendation client included in the unique recommendation code, thereby providing the recommendation client with an appropriate incentive according to the merchant recommendation (k).

The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Fig. 24 is composed of recommendation code generation server, authentication server and payment terminal, and provides the payment terminal with information related to the unique recommendation code and credit card information of the recommended client to the payment terminal to use the unique recommendation code of the recommended client. This is a simple example of how to perform authentication.

When the recommendation client connected to the recommendation code generation server selects (or inputs) a merchant to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server includes the recommendation affiliate information and the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is stored in association with the credit card information of the recommended client (a).

The recommendation code generation server provides the credit card information of the recommended client linked to the unique recommendation code to the payment terminal of the affiliated shop recommended by the recommendation client (b), and the payment terminal is associated with the unique recommendation code. (C) storing the credit card information of the recommended client in the memory area of the payment terminal.

When the recommended client performs a purchase or use of a service to the affiliated shop recommended by the recommending client using the linked card (d), the payment terminal obtains credit card information from the card of the recommended client; e) extracting a unique recommendation code for the affiliated store by comparing the credit card information associated with the unique recommendation code stored in the memory area (f).

The payment terminal provides the extracted unique recommendation code to the authentication server (g), and the authentication server checks the received unique recommendation code (h), and provides the recommendation code according to the recommendation merchant to the recommendation code generation server. (I).

25 is composed of a recommendation code generation server and a payment terminal, wherein the recommendation code generation server receives the purchase merchant and credit card information of the recommended client from the payment terminal and authenticates the use of the unique recommendation code of the recommended client. This is a simple example.

When the recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client and provides the recommendation merchant information, the recommendation code generation server recalls the recommendation merchant information. A unique recommendation code is generated in association with recommendation client information, and the generated unique recommendation code is processed in association with credit card information of the recommended client to be stored in a predetermined database (a).

(B) When a recommended client uses his or her card to perform a purchase or use of a service at a merchant recommended by the recommending client (b), the payment terminal of the product selling affiliate stores the merchant information and the credit card information of the recommended client. Obtain (c) and provide it to the recommendation code generation server (d).

The recommendation merchant information provided by the payment terminal to the recommendation code generation server and the credit card information of the recommended client may be collectively provided in real time or in a batch manner.

The recommendation code generation server receives the product information and the recommended client credit card information from the payment terminal, and extracts the unique recommendation code associated with the credit card information of the recommended client previously stored in a predetermined database. e).

The recommendation code generation server uses the extracted unique recommendation code (f) to provide an appropriate incentive according to the affiliated store recommendation of the recommendation client (g). The incentive includes at least one of cash, or points, or mileage, tickets, or gift certificates.

Hereinafter, in a preferred embodiment of the present invention, a data store function including a credit card (IC card or smart card) of a recommended client is generated by generating a unique recommendation code including applet information and recommendation client information in the form of an applet. With reference to the accompanying drawings, a more detailed description will be given of the client-type method provided by all the cards).

Hereinafter, according to the embodiment, the use of the unique recommendation code of the recommended client may include all of the types of data that can be stored in the applet form (others including the recommendation merchant information and the recommendation client information). A credit card (IC card or any card having a data storage function including a smart card) of the recommended client, and the credit card (IC card or a data card including a smart card) is provided. When purchasing a product purchase or service use at the recommendation merchant through all the cards), it is possible by authenticating the unique recommendation code applet mounted on the credit card.

According to the present embodiment, when the credit card includes at least one IC chip or a memory area mounted in a wireless (mobile) terminal including credit card information, the wireless (mobile) terminal may include a PCS ( Personal Communication System (GSM), Global System for Mobile Communication (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phone (IMT-2000), International Mobile Telecommunication- 2000) and all wireless terminals.

In addition, as described above, the unique recommendation code reveals that the recommendation client information and information about the merchant recommended by the recommended client, the generated unique recommendation code is mounted on the recommended client can be operated offline In the generating step, it may include an encryption process.

According to the present invention, in the present embodiment, if the unique recommendation code includes a credit card number system, the unique recommendation code may be transmitted through wired / wireless communication network and short-range data communication, and the unique recommendation code may be a one-dimensional barcode or a two-dimensional barcode. In the case of electronic authentication image data including a 3D barcode and a color barcode, the payment terminal located in the affiliated store further includes a barcode reader capable of recognizing the electronic authentication image data.

In addition, the short range data communication more specifically means data communication using infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, and wireless LAN.

In addition, the incentive payment according to the product recommendation specifies that the first client, the second client, ..., the n-th client can be paid in stages.

FIG. 26 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, and provides unique recommendation code information to a recommended client.

The recommendation client accesses the recommendation code generation server (2600), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 2605, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (or a website associated with the server) (2610), the recommendation client needs to input his or her personal information in order to generate a unique recommendation code. In operation 2615, the recommendation code generation server may automatically search for member information to generate a recommendation code.

However, if the recommendation client is not a member (2620), the recommendation client enters his or her personal information to generate a unique recommendation code (2625).

When the recommendation client information is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, and provides information on the generated unique recommendation code to the recommended client. The recommendation client provides the recommended recommendation code information to the recommended client through contactable information such as an email, a phone number, a mobile phone number, and an address (2630).

The recommended client that has obtained the unique recommendation code information from the recommendation client connects to the recommendation code generation server (2635), and if it wants to use the generated unique recommendation code, the recommendation code generation server sends the recommended recommendation code to the recommendation client. Request a download (2640).

The recommendation code generation server may provide the generated unique recommendation code to a credit card (IC card or any card having a data storage function including a smart card) of the recommended client according to the request of the recommended client ( 2645).

FIG. 27 illustrates a process in which a recommendation client provides information of a recommended client in order for a recommendation client connected to the recommendation code generation server to select a recommendation affiliate, generate a unique recommendation code, and provide the unique recommendation code information. Simple flow chart.

The recommendation client accesses the recommendation code generation server (2700) to generate a unique recommendation code to be provided to the recommended client (2700), selects (or inputs) a merchant to recommend, and generates the unique recommendation code to the recommendation code generation server. Upon request (2705), the recommendation code generation server determines whether the recommendation client is a member, and if it is a member (2710), the recommendation code generation server automatically retrieves member information to extract information of the recommendation client, A unique recommendation code including the recommended affiliate information may be generated (2715).

However, if the recommendation client is not a member (2720), the recommendation client should input his or her personal information to generate a unique recommendation code (2725).

When the information of the recommendation client is confirmed, the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information. When the unique recommendation code is generated, the recommendation client generates the unique recommendation code information. In order to provide the recommended client, the recommendation code generation server provides the recommended client's information (including all of contact information such as an email, a phone number, a mobile phone number, and an address) to the recommended code generation server (2730).

The recommendation code generation server that obtains the recommended client information from the recommending client, provides the recommended client with the unique recommendation code information including the recommended affiliate information and the recommended client information according to the information (2735).

When the recommended client receives the unique recommendation code information including the recommendation client information and the product information from the recommendation code generation server, the recommended client connects to the recommendation code generation server (2740).

If the recommended client connected to the recommendation code generation server wants to use a unique recommendation code generated according to the request of the recommendation client, the recommended client may store a data storage function including its own credit card (IC card or smart card). All cards having a) request to download the unique recommendation code (2745).

The recommendation code generation server receiving the unique recommendation code download request of the recommended client may use the generated unique recommendation code as a credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. To provide (2750).

28 is a simple flowchart of a process in which a recommendation client accessing a recommendation code generation server selects a recommendation affiliate, generates a unique recommendation code, obtains the generated unique recommendation code, and provides the recommendation client to a recommended client. to be.

The recommendation client connects to the recommendation code generation server (2800), selects (or inputs) a recommendation merchant for generating a unique recommendation code to be provided to the recommended client, and requests the recommendation code generation server to generate a unique recommendation code. In operation 2805, the recommendation code generation server determines whether the recommendation client is a member.

If the recommendation client is a member of the recommendation code generation server (2810), the recommendation code generation server generates a unique recommendation code through member information search (2815). However, if the recommendation client is not a member (2820), the recommendation client must enter their personal information to generate a unique recommendation code (2825).

When the recommendation client information is confirmed and the recommendation code generation server generates a unique recommendation code including the recommendation client information and the selected recommendation affiliate information, the recommendation client requests the provision of the generated unique recommendation code (2830). ).

The recommendation client provides the recommended client with the unique recommendation code obtained from the recommendation code generation server (2835). If the recommended client does not allow obtaining a unique recommendation code, the recommendation client receives a unique recommendation code not available message, and if the recommended client allows obtaining a unique recommendation code (2840), the unique recommendation code is allowed. The recommendation code is placed on the recommended client's credit card (IC card, or any card having a data storage function including a smart card) (2845).

In the following embodiment, a unique recommendation code is generated through the process of FIGS. 26, 27, and 28, and a unique recommendation code including a recommendation client information and a recommendation merchant information includes a credit card (IC card, Or all cards having a data storage function including a smart card), and the recommended client authenticates the unique recommendation code in the process of using the credit card equipped with the unique recommendation code in the recommendation merchant. Here is a simple example.

29 is composed of a recommendation code generation server and a payment terminal, and the recommended client uses a credit card (all cards having a data storage function including an IC card or a smart card) to purchase goods or use services at the recommended merchant. At the time, a simple example of the case of extracting the unique recommendation code through the payment terminal to provide to the recommendation code generation server.

The recommendation client accessing the recommendation code generation server through a wired / wireless network selects (or inputs) an affiliate store to be recommended to the recommended client to provide recommended affiliate store information (a), and the recommendation code generation server provides the recommended affiliate store Generates a unique recommendation code by linking the information with the recommendation client information, and converts the generated unique recommendation code into a credit card (an IC card or any card having a data storage function including a smart card) of the recommended client. Will be provided.

(B) when the recommended client uses the credit card to purchase goods or services at the affiliated store recommended by the recommended client, the payment terminal of the affiliated store stores the unique recommendation code stored in the recommended card of the recommended client. Extract it or receive it from the recommended client's credit card (c) and provide it to the recommendation code generation server (d).

The recommendation code generation server pays an appropriate incentive for the affiliated store recommendation of the recommending client based on the unique recommendation code provided from the payment terminal (2).

30 is a simple example of a case consisting of a recommendation code generation server, an authentication server and a payment terminal, and providing and storing a unique recommendation code generated through the recommendation code generation server to an authentication server located on a communication network. .

When the recommendation client connects to the recommendation code generation server and selects (or inputs) a merchant to be recommended to the recommended client and provides the recommendation product information, the recommendation code generation server associates the recommendation merchant information with the recommendation client information. A unique recommendation code is generated, and the generated unique recommendation code is provided to the credit card of the recommended client (all cards having a data storage function including an IC card or a smart card) (a).

The recommendation code generation server provides the unique recommendation code information to the authentication server on the communication network (b), and the authentication server stores the unique recommendation code information in a database in the authentication server (c).

If the recommended client attempts to use a product purchase or a service at a merchant recommended by the recommending client with a credit card storing a unique recommendation code (d), the product selling payment terminal may store the unique stored in the credit card of the recommended client. Extract a recommendation code (or receive it from the recommended client's credit card) (e) and provide it to the authentication server (f).

When the unique recommendation code is provided to the authentication server, the authentication server compares the provided unique recommendation code with the unique recommendation code information previously stored in a database (g), and performs the authentication process (g), and the unique recommendation code to the recommendation code generation server. (H), the recommendation code generation server pays the appropriate incentive for the merchant recommendation of the recommendation client based on the unique recommendation code provided from the payment terminal (i).

According to the present invention, a unique code for a product to be recommended through a wired or wireless network is generated and provided in association with card information of another client (recommended client), and the relationship data between a plurality of recommended clients and the recommended client is identified. By enabling the multi-stage profit distribution using the card, it is possible to expect the effects of activation of the use of the card and new profit generation using the card through the recommendation of the product using the card.

Claims (270)

Generating a unique recommendation code for a product (or an affiliated store) recommended by a first client (recommended client) connected to the recommendation code generation server through a wired / wireless network to a second client (recommended client); Storing the generated unique recommendation code in association with the credit card information of the second client by the recommendation code generation server; And When purchasing the product recommended by the first client (or purchasing the product at the affiliated shop recommended by the first client) with the card of the second client linked to the unique recommendation code, the stored product (or affiliated store) Extracting a recommendation code and paying the first client an incentive for recommending the product (or affiliated store); and recommending a product (or affiliated store) using a credit card. Generating a unique recommendation code for a product (or an affiliated store) recommended by a first client (recommended client) connected to the recommendation code generation server through a wired / wireless network to a second client (recommended client); Providing a unique recommendation code generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client; And When purchasing a product recommended by the first client with a card of a second client storing the unique recommendation code (or purchasing a product at a merchant recommended by the first client), a unique recommendation code for the selling product (or affiliated store) Extracting (or receiving from the credit card of the second client (recommended client)) and paying the first client an incentive for recommending the product (or affiliated store); Product (or merchant) recommendation method using. The method of claim 1, wherein the unique recommendation code, A method of recommending a product (or affiliated store) using a credit card comprising information on the recommended product (or affiliated store) and information of a first client who recommended the product (or affiliated store). The method of claim 1, wherein the recommendation code, As the product (or affiliated store) recommendation proceeds step by step, the first client information data and A second client that recommends the product (or affiliate) to a third client after receiving a recommendation of the product (or affiliate) from the first client, A third client for recommending the product (or affiliated store) to an nth client after receiving a recommendation of the product (or affiliated store) from the second client; Product (or credit card) comprising the n-th client information for recommending the product (or merchant) to the (n + 1) client after receiving the product (or merchant) recommendation from the third client Merchant) recommendation method. The method according to claim 1 or 4, When the purchase of the product recommended by the n-th client (or the purchase of the product at the recommended affiliate store) by the card of the (n + 1) client linked to the unique recommendation code, the unique recommendation for the previously stored sale product (or affiliate store) Extracting a code and paying the first client, the second client, the third client, the incentive according to the recommendation of a product (or an affiliated store) to the nth client; How to recommend a product (or merchant) using a credit card. The method of claim 2, wherein the providing of the unique recommendation code comprises: A method of recommending a product (or affiliated store) using a credit card, comprising: mounting the unique recommendation code in an applet form in a card of the second client by using an applet-enabled IC card or a smart card. A recommendation code providing module for generating a unique recommendation code for a product (or an affiliated store) recommended by a first client (recommended client) to a second client (recommended client) connected through a wired / wireless network; An applet providing module configured to process the unique recommendation code in the form of an applet to mount the unique recommendation code on a credit card (IC card or smart card) of the second client; A transmission processing module for transmitting the applet including the unique recommendation code to a credit card (IC card or smart card) of the second client; And When an event (including a product purchase and a product purchase at a recommended merchant) occurs due to the credit card (IC card or smart card) of the second client, the purchase product (or merchant) mounted on the credit card of the second client is generated. And a relationship data processing module for extracting a unique recommendation code applet and paying the first client an incentive according to a recommendation of a product (or affiliated store). A recommendation code providing module for generating a unique recommendation code for a product (or an affiliated store) recommended by a first client (recommended client) to a second client (recommended client) connected through a wired / wireless network; A recommendation code processing module configured to store the unique recommendation code generated by the recommendation code providing module with the first client information and the second client information; When purchasing a product recommended by the first client (or purchasing a product at a recommended affiliate store) with the card of the second client linked to the unique recommendation code, the selling product (or affiliate store) previously stored by the recommendation code processing module. And a relation data processing module for extracting a unique recommendation code for the first client and paying the first client an incentive according to the recommendation of the product (or affiliated store). . The method of claim 7, wherein And a member information database for storing information (including personal information and card information) of the first client, wherein the product (or affiliated store) recommendation system using a credit card is provided. The method of claim 7, wherein And a recommendation code database for matching and storing the unique recommendation code, the first client information and the second client information, and using the credit card. The method of claim 7, wherein Credit card, characterized in that the first client further comprises a recommendation information database for matching and storing the product (or merchant) information to be recommended to the second client and the unique recommendation code for the product (or merchant) Product (or merchant) recommendation system using. The method of claim 7, wherein And a relationship database which stores relationship data between the first client and the second client according to the unique recommendation code. The method of claim 7, wherein the recommendation code providing module, As the product (or affiliated store) recommendation proceeds step by step, the first client information data and A second client that recommends the product (or affiliate) to a third client after receiving a recommendation of the product (or affiliate) from the first client, A third client for recommending the product (or affiliated store) to an nth client after receiving a recommendation of the product (or affiliated store) from the second client; Receiving a product (or affiliated store) recommendation from the third client after the credit (n + 1) to the client to recommend the product (or affiliated store) to recommend the product (or merchant) updated by the unique recommendation code, characterized in that the credit Product (or merchant) recommendation system using a card. The method of claim 7 or 13, wherein the relationship data processing module, When the purchase of the product recommended by the n-th client (or the purchase of the product at the recommended affiliate store) by the card of the (n + 1) client linked to the unique recommendation code, the unique recommendation for the previously stored sale product (or affiliate store) A product using a credit card (or a credit card), wherein the incentives for recommending a product (or an affiliated store) are provided to the first client, the second client, the third client, ..., the n-th client by extracting a code. Merchant) recommendation system. The method of claim 2, wherein the unique recommendation code, A method of recommending a product (or affiliated store) using a credit card comprising information on the recommended product (or affiliated store) and information of a first client who recommended the product (or affiliated store). The method of claim 2, wherein the recommendation code, As the product (or affiliated store) recommendation proceeds step by step, the first client information data and A second client that recommends the product (or affiliate) to a third client after receiving a recommendation of the product (or affiliate) from the first client, A third client for recommending the product (or affiliated store) to an nth client after receiving a recommendation of the product (or affiliated store) from the second client; Product (or credit card) comprising the n-th client information for recommending the product (or merchant) to the (n + 1) client after receiving the product (or merchant) recommendation from the third client Merchant) recommendation method. The method according to claim 2 or 4, When the purchase of the product recommended by the n-th client (or the purchase of the product at the recommended affiliate store) by the card of the (n + 1) client linked to the unique recommendation code, the unique recommendation for the previously stored sale product (or affiliate store) Extracting a code and paying the first client, the second client, the third client, the incentive according to the recommendation of a product (or an affiliated store) to the nth client; How to recommend a product (or merchant) using a credit card. The method of claim 8, And a member information database for storing information (including personal information and card information) of the first client, wherein the product (or affiliated store) recommendation system using a credit card is provided. The method of claim 8, And a recommendation code database for matching and storing the unique recommendation code, the first client information and the second client information, and using the credit card. The method of claim 8, Credit card, characterized in that the first client further comprises a recommendation information database for matching and storing the product (or merchant) information to be recommended to the second client and the unique recommendation code for the product (or merchant) Product (or merchant) recommendation system using. The method of claim 8, And a relationship database which stores relationship data between the first client and the second client according to the unique recommendation code. The method of claim 8, wherein the recommendation code providing module, As the product (or affiliated store) recommendation proceeds step by step, the first client information data and A second client that recommends the product (or affiliate) to a third client after receiving a recommendation of the product (or affiliate) from the first client, A third client for recommending the product (or affiliated store) to an nth client after receiving a recommendation of the product (or affiliated store) from the second client; Receiving a product (or affiliated store) recommendation from the third client after the credit (n + 1) to the client to recommend the product (or affiliated store) to recommend the product (or merchant) updated by the unique recommendation code, characterized in that the credit Product (or merchant) recommendation system using a card. The method of claim 8 or 13, wherein the relationship data processing module, When the purchase of the product recommended by the n-th client (or the purchase of the product at the recommended affiliate store) by the card of the (n + 1) client linked to the unique recommendation code, the unique recommendation for the previously stored sale product (or affiliate store) And extracting the code to provide the first client, the second client, the third client, the incentive according to the recommendation of the product (or the affiliated store) to the nth client. Product (or merchant) recommendation system using a card. The method of claim 1, wherein the credit card, Merchants (or merchants) using a credit card, characterized in that it comprises at least one IC chip or memory area mounted in a wireless (mobile) terminal including an MS (Magnetic Stripe) card, smart card, IC card, credit card information A) recommendation system. The method of claim 1, wherein generating the unique recommendation code comprises: Providing a recommendation product (or affiliate store) information for the first client (recommended client) accessing the recommendation code generation server to select (or input) a product (or affiliate store) to recommend to the second client (recommended client); A recommender information providing step of the first client (recommended client) providing information of the first client (recommended client) that is the product (or affiliated store) recommender to the recommendation code generation server; And A recommendation code generation step of generating a product (or affiliated store) recommendation unique code by linking the recommender information with the recommendation product (or affiliated store) information in the recommendation code generation server; Or merchant) recommendation method. The method of claim 1, wherein generating the unique recommendation code comprises: Providing a recommendation product (or affiliate store) information for the first client (recommended client) accessing the recommendation code generation server to select (or input) a product (or affiliate store) to recommend to the second client (recommended client); And The information on the first client (recommended client), which is the product (or affiliated store) recommender, is extracted from the member information of the first client (recommended client) by the recommendation code generation server, and the information of the first client (recommended client) is extracted. And a recommendation code generation step of generating a product (or affiliated store) recommendation unique code by linking the recommended product (or affiliated store) information with the product (or affiliated store) recommendation method comprising a credit card. The method of claim 1, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 1, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 1, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 1, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client) is performed. Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Product (or merchant) recommendation method using a credit card, characterized in that made. The method of claim 2, And recommending and storing the generated unique recommendation code in association with the second client information in the recommendation code generation server. The method of claim 2, wherein the recommendation code generation step, When generating the unique recommendation code from the recommendation code generation server, a product (or affiliated store) recommendation method using a credit card further comprises a unique recommendation code encryption step of encrypting and generating the unique recommendation code. The method of claim 2, wherein generating the unique recommendation code comprises: Providing a recommendation product (or affiliate store) information for the first client (recommended client) accessing the recommendation code generation server to select (or input) a product (or affiliate store) to recommend to the second client (recommended client); A recommender information providing step of the first client (recommended client) providing information of the first client (recommended client) that is the product (or affiliated store) recommender to the recommendation code generation server; And A recommendation code generation step of generating a product (or affiliated store) recommendation unique code by linking the recommender information with the recommendation product (or affiliated store) information in the recommendation code generation server; Or merchant) recommendation method. The method of claim 2, wherein generating the unique recommendation code comprises: Providing a recommendation product (or affiliate store) information for the first client (recommended client) accessing the recommendation code generation server to select (or input) a product (or affiliate store) to recommend to the second client (recommended client); And The information on the first client (recommended client), which is the product (or affiliated store) recommender, is extracted from the member information of the first client (recommended client) by the recommendation code generation server, and the information of the first client (recommended client) is extracted. And a recommendation code generation step of generating a product (or affiliated store) recommendation unique code by linking the recommended product (or affiliated store) information with the product (or affiliated store) recommendation method comprising a credit card. The card of claim 2, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); And And a second client (recommended client) accessing the unique recommendation code generation server and receiving the generated unique recommendation code. The method of claim 1, wherein the second client (recommended client) receives the generated unique recommendation code. The card of claim 2, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the first client (recommended client); And And providing the unique recommendation code to the second client (recommended client) by the first client (recommended client). The card of claim 2, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); And Providing the generated unique recommendation code to the second client (recommended client) using the second client (recommended client) contact information in the recommendation code generation server. How to recommend a product (or merchant) using a card. According to claim 2, When the purchase of the product recommended by the first client (or the purchase of goods at the recommended merchant) with the card of the second client that stores the unique recommendation code, the unique recommendation for the sale product (or merchant) Extracting a code (or received from a credit card of the second client (recommended client)) and paying the first client an incentive for recommending a product (or merchant); Extract a unique recommendation code for the sold product (or affiliated store) from a product sales payment terminal or provide the unique recommendation code from the credit card of the second client (recommended client) to the product payment terminal; How to recommend a product (or merchant) using a credit card. The method of claim 2, wherein the recommendation code, A method of recommending a product (or affiliated store) using a credit card, comprising a credit card number system. The method of claim 2, wherein the recommendation code, A method of recommending a product (or affiliated store) using a credit card, which is transmitted via wired / wireless communication network and local area communication. The method of claim 2, wherein the credit card, A method of recommending a product (or merchant) using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including smart card, IC card, and credit card information. 42. The wireless terminal of claim 41, wherein the credit card is an IC chip or a memory area mounted in a wireless terminal that includes credit card information. Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phones, IMT-2000 (International Mobile) Telecommunication-2000) at least one product (or merchant) recommendation method using a credit card comprising a. 42. The method of claim 41, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information. The recommendation code generation server extracts the unique recommendation code stored in the credit card of the second client (recommended client) at the product sales payment terminal (or receives it from the credit card of the second client (recommended client)). In the providing step, When the unique recommendation code is electronic authentication image data including one-dimensional barcode, two-dimensional barcode, three-dimensional barcode, color barcode, Product (or merchant) recommendation method using a credit card, characterized in that provided through the barcode reader of the payment terminal. 42. The method according to claim 2 or 41, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. The method of claiming a product (or an affiliated store) using a credit card, wherein the short-range communication is used when extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the product sales payment terminal. 42. The method according to claim 2 or 41, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. When the product recommendation payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client), infrared data communication, RF (Radio Frequency) data communication, Bluetooth (Bluetooth) data communication, using a wireless LAN A method of recommending a product (or affiliated store) using a credit card using at least one data communication. A first client (recommended client) recommending a product accesses a recommendation code generation server through a wired or wireless network to generate a product recommendation code, and the product recommendation code is compared with a second client (recommended client) credit card information. Credit for providing the incentive according to the product recommendation to the first client (recommended client) based on the stored product recommendation code when the recommended product is purchased with the second client (recommended client) credit card. In the product recommendation method using a card, A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to a payment terminal of the merchandise sales affiliate, and storing the information in the payment terminal memory area; When purchasing a product recommended by the first client to a card of a second client (recommended client) associated with the unique recommendation code, the product sales payment terminal provides credit card information of the second client (recommended client) Extracting a unique recommendation code for the sale product by comparing with the credit card information of the second client (recommended client) that is associated with the unique recommendation code previously stored in the payment terminal memory area; And Providing the extracted unique recommendation code to the recommendation code generation server in the product sales payment terminal; And Paying the incentive according to the product recommendation to the first client in the recommendation code generation server; and a product recommendation method using a credit card. The method of claim 46, wherein generating the recommendation code, The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommendation client) that is the product recommender to the recommendation code generation server, the product using a credit card Recommended way. The method of claim 46, wherein generating a unique recommendation code, And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 46, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 46, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 46, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. 49. The method of claim 46, wherein the storing the generated unique recommendation code in association with credit card information of the second client (recommended client) is performed. Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Product recommendation method using a credit card, characterized in that made. The method of claim 46, wherein the providing the recommendation code generation server to the extracted unique recommendation code in the product sales payment terminal, And providing the extracted unique recommendation code in real time to the recommendation code generation server or periodically at the commodity sales payment terminal. The method of claim 46, In the step of paying the incentive according to the product recommendation to the first client in the recommendation code generation server, The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. The method of claim 46, In the step of paying the incentive according to the product recommendation to the first client in the recommendation code generation server, The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. The method of claim 46, wherein the recommendation code, The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. The method of claim 46, wherein the recommendation code, Product recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 46, wherein the recommendation code, As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. The method of claim 46 or 58, When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. 47. The method of claim 46, wherein the credit card is A method for recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including an MS (Magnetic Stripe) card, a smart card, an IC card, and credit card information. A first client (recommended client) recommending a product accesses a recommendation code generation server through a wired or wireless network to generate a product recommendation code, and the product recommendation code is compared with a second client (recommended client) credit card information. Credit for providing the incentive according to the product recommendation to the first client (recommended client) based on the stored product recommendation code when the recommended product is purchased with the second client (recommended client) credit card. In the product recommendation method using a card, A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to a payment terminal of the merchandise sales affiliate, and storing the information in the payment terminal memory area; The recommendation code generation server provides the authentication server located on the communication network with the unique recommendation code and the credit card information of the second client (recommended client) in a predetermined database in the authentication server. step; When purchasing a product recommended by the first client to a card of a second client (recommended client) associated with the unique recommendation code, the product sales payment terminal provides credit card information of the second client (recommended client) Extracting a unique recommendation code for the sale product by comparing with the credit card information of the second client (recommended client) that is associated with the unique recommendation code previously stored in the payment terminal memory area; Providing the extracted unique recommendation code to the authentication server in the product sales payment terminal; The authentication server compares the unique recommendation code provided by the payment terminal with recommendation code information stored in a predetermined database in the authentication server, and authenticates the recommendation code according to the purchased product to the recommendation code generation server. step; And Paying the incentive according to the product recommendation to the first client in the recommendation code generation server; and a product recommendation method using a credit card. The method of claim 61, wherein the recommendation code generation step, The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommendation client) that is the product recommender to the recommendation code generation server, the product using a credit card Recommended way. The method of claim 61, wherein the generating the unique recommendation code comprises: And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 61, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 61, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 61, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 61, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client) is performed. Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Product recommendation method using a credit card, characterized in that made. 63. The method of claim 61, wherein in the authentication server, providing a recommendation code according to the purchased product to the recommendation code generation server, The product recommendation method using a credit card, characterized in that the authentication server provides the unique recommendation code to the recommendation code generation server in real time or periodically. 62. The method of claim 61, In the step of paying the incentive according to the product recommendation to the first client in the recommendation code generation server, The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. 62. The method of claim 61, In the step of paying the incentive according to the product recommendation to the first client in the recommendation code generation server, The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. The method of claim 61, wherein the recommendation code, The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. The method of claim 61, wherein the recommendation code, Product recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 61, wherein the recommendation code, As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. The method of claim 61 or 73, When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. The credit card of claim 61, wherein the credit card comprises: A method for recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including an MS (Magnetic Stripe) card, a smart card, an IC card, and credit card information. A first client (recommended client) recommending a product accesses a recommendation code generation server through a wired or wireless network to generate a product recommendation code, and the product recommendation code is compared with a second client (recommended client) credit card information. Credit for providing the incentive according to the product recommendation to the first client (recommended client) based on the stored product recommendation code when the recommended product is purchased with the second client (recommended client) credit card. In the product recommendation method using a card, A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Storing, by the recommendation code generation server, the generated unique recommendation code in association with credit card information of the second client (recommended client) in a predetermined database; When purchasing a product recommended by the first client with a card of a second client (recommended client) associated with the unique recommendation code, the product information and the second client (recommended client) by the product sales payment terminal Providing credit card information of the recommendation code generation server; And The credit card of the second client (recommended client) previously stored in the predetermined database by using the product information provided from the payment terminal and the credit card information of the second client (recommended client) in the recommendation code generation server. Extracting a unique recommendation code associated with the information; And And providing an incentive according to a product recommendation to the first client by using the extracted unique recommendation code in the recommendation code generation server. 77. The method of claim 76, wherein generating the recommendation code, The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommendation client) that is the product recommender to the recommendation code generation server, the product using a credit card Recommended way. The method of claim 76, wherein generating the unique recommendation code, And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 76, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 76, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 76, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 76, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client), comprises: Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Product recommendation method using a credit card, characterized in that made. 77. The method of claim 76, further comprising: providing the recommendation code generation server with the sold product information and the credit card information of the second client (recommended client) at the product sale payment terminal. Product recommendation using a credit card, characterized in that the product sales payment terminal provides the sold information and the credit card information of the second client (recommended client) to the recommendation code generation server in real time or periodically Way. 77. The method of claim 76, wherein in the recommendation code generation server, incentives for recommending products are provided to the first client. The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. 77. The method of claim 76, wherein in the recommendation code generation server, incentives for recommending products are provided to the first client. The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. 77. The method of claim 76, wherein the recommendation code is The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. 77. The method of claim 76, wherein the recommendation code is Product recommendation method using a credit card, characterized in that consisting of a credit card number system. 77. The method of claim 76, wherein the recommendation code is As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. 89. The method of claim 76 or 88, When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. 77. The method of claim 76, wherein the credit card is A method of recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including an MS (Magnetic Stripe) card, a smart card, an IC card, and credit card information. A first client (recommended client) recommending a product accesses a recommendation code generation server through a wired or wireless network to generate a product recommendation code, and the product recommendation code is compared with a second client (recommended client) credit card information. Credit for providing the incentive according to the product recommendation to the first client (recommended client) based on the stored product recommendation code when the recommended product is purchased with the second client (recommended client) credit card. In the product recommendation method using a card, A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to an authentication server located on a communication network and storing the information in an authentication server database; When purchasing a product recommended by the first client to a card of a second client (recommended client) associated with the unique recommendation code, the product sales payment terminal provides credit card information of the second client (recommended client) Receiving and providing the authentication server; Using the credit card information of the second client (recommended client) provided from the payment terminal in the authentication server, the unique recommendation code associated with the credit card information stored in the database is extracted and provided to the payment terminal. Doing; The payment terminal checks whether the product information written in the unique recommendation code matches the product information currently purchased by the second client (recommended client), and then provides confirmation information of the unique recommendation code to the authentication server. step; Receiving the verification information of the unique recommendation code from the authentication server and providing the recommendation code according to the purchased product to the recommendation code generation server; And Paying the incentive according to the product recommendation to the first client in the recommendation code generation server; and a product recommendation method using a credit card. 92. The method of claim 91, wherein generating the recommendation code, The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the product recommender to the recommendation code generating server further comprises a product using a credit card Recommended way. 92. The method of claim 91, wherein generating a unique recommendation code, And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. 92. The method of claim 91, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. 92. The method of claim 91, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. 92. The method of claim 91, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. 92. The method of claim 91, wherein the step of storing the generated unique recommendation code in association with credit card information of the second client (recommended client), Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Product recommendation method using a credit card, characterized in that made. The method of claim 91, wherein after receiving the identification information of the unique recommendation code from the authentication server, providing the recommendation code according to the purchased product to the recommendation code generation server, The product recommendation method using a credit card, characterized in that the authentication server provides the recommendation code to the recommendation code generation server in real time or periodically. The method of claim 91, wherein after receiving the identification information of the unique recommendation code from the authentication server, providing the recommendation code according to the purchased product to the recommendation code generation server, Comparing the unique recommendation code provided by the payment terminal with the recommendation code information stored in a predetermined database in the authentication server, and authenticating the product using the credit card. . 92. The method of claim 91, wherein in the recommendation code generation server, incentives for recommending products to the first client are provided. The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. 92. The method of claim 91, wherein in the recommendation code generation server, incentives for recommending products to the first client are provided. The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. 92. The system of claim 91, wherein the recommendation code is The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. 92. The system of claim 91, wherein the recommendation code is Product recommendation method using a credit card, characterized in that consisting of a credit card number system. 92. The system of claim 91, wherein the recommendation code is As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. 105. The method of claim 91 or 104, When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. 92. The credit card of claim 91, A method for recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including an MS (Magnetic Stripe) card, a smart card, an IC card, and credit card information. A first client (recommended client) recommending a product connects to a recommendation code generation server through a wired / wireless network to generate a product recommendation code, and the product recommendation code is converted to a second client (recommended client) credit card. All cards having a data storage function including a card or a smart card), and the second client (recommended client) credit card when purchasing the recommended product with the second client (recommended client) credit card. In the product recommendation method using a credit card to provide an incentive according to the product recommendation to the first client (recommended client) based on the product recommendation code stored in the A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Providing, by the recommendation code generation server, the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client); When purchasing a product recommended by the first client using a credit card of the second client (recommended client), the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client). (Or receiving from a credit card of the second client (recommended client)) providing the recommendation code generation server; And And providing an incentive according to a product recommendation to the first client based on the recommendation code provided from the payment terminal in the recommendation code generation server. 108. The method of claim 107 wherein And storing the generated unique recommendation code in association with the second client information and storing the generated unique recommendation code in the recommendation code generation server. 107. The method of claim 107, wherein the recommendation code generation step, The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommendation client) that is the product recommender to the recommendation code generation server, the product using a credit card Recommended way. 107. The method of claim 107, wherein the recommendation code generation step, And generating a unique recommendation code by encrypting the unique recommendation code when generating the unique recommendation code from the recommendation code generation server. 107. The method of claim 107, wherein the recommendation code generation step, And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. 107. The method of claim 107, wherein the recommendation code generation server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); And receiving, by the second client (recommended client), the unique recommendation code generation server to receive the generated unique recommendation code. 107. The method of claim 107, wherein the recommendation code generation server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the first client (recommended client); And And providing, by the first client (recommended client), the unique recommendation code to the second client (recommended client). 107. The method of claim 107, wherein the recommendation code generation server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); And Providing the generated unique recommendation code to the second client (recommended client) using the second client (recommended client) contact information in the recommendation code generation server. How to recommend a product using a card. 107. The method of claim 107, wherein the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). In the providing of the recommendation code generation server, And providing the extracted unique recommendation code in real time to the recommendation code generation server or periodically at the commodity sales payment terminal. 107. The method of claim 107, wherein the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). Providing to the recommendation code generation server, Extracting the unique recommendation code stored in the credit card of the second client (recommended client) at the product sales payment terminal; or And providing the unique recommendation code to the payment terminal in the credit card of the second client (recommended client). 107. The method of claim 107, wherein the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). In the providing of the recommendation code generation server, Providing the generated unique recommendation code to the payment terminal by the recommendation code generation server; And And a step of authenticating the unique recommendation code by comparing the unique recommendation code provided from the second client credit card and the unique recommendation code provided by the recommendation code generation server in the payment terminal. How to recommend a product using a credit card. 107. The method of claim 107, wherein the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). In the providing of the recommendation code generation server, The credit card further comprises a recommendation product information checking step of confirming whether the product (or service) information included in the unique recommendation code and the product (or service) to be used by the second client from the payment terminal is matched. Product recommendation method using. The method of claim 107, wherein in the recommendation code generation server, incentives for recommending a product to the first client are provided. And a unique recommendation code authentication processing step of authenticating the unique recommendation code provided by the payment terminal in the recommendation code generation server. The method of claim 107, wherein in the recommendation code generation server, incentives for recommending a product to the first client are provided. The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. The method of claim 107, wherein in the recommendation code generation server, incentives for recommending a product to the first client are provided. The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. 108. The system of claim 107, wherein the recommendation code is: The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. 108. The system of claim 107, wherein the recommendation code is: Product recommendation method using a credit card, characterized in that consisting of a credit card number system. 108. The system of claim 107, wherein the recommendation code is: Product recommendation method using a credit card, characterized in that it is produced in the form of an applet. 108. The system of claim 107, wherein the recommendation code is: A product recommendation method using a credit card, which is transmitted via wired / wireless communication network and local area communication. 108. The system of claim 107, wherein the recommendation code is: As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. The method of claim 107 or 126, wherein When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. The credit card of claim 107, wherein the credit card includes: A method for recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including smart card, IC card, and credit card information. 129. The wireless (portable) terminal of claim 128, wherein when the credit card is an IC chip or memory area mounted in a wireless (portable) terminal containing credit card information, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phones, IMT-2000 (International Mobile) Telecommunication-2000) at least one product recommendation method using a credit card, characterized in that it comprises. 129. The method according to claim 107 or 128, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. The recommendation code generation server extracts the unique recommendation code stored in the credit card of the second client (recommended client) at the product sales payment terminal (or receives it from the credit card of the second client (recommended client)). In the providing step, When the unique recommendation code is electronic authentication image data including one-dimensional barcode, two-dimensional barcode, three-dimensional barcode, color barcode, Product recommendation method using a credit card, characterized in that provided via the barcode reader of the payment terminal. 129. The method according to claim 107 or 128, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. And extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the product sales payment terminal, using short-range communication. 129. The method according to claim 107 or 128, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. When the product recommendation payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client), infrared data communication, RF (Radio Frequency) data communication, Bluetooth (Bluetooth) data communication, using a wireless LAN A product recommendation method using a credit card, characterized in that using at least one data communication. A first client (recommended client) recommending a product connects to a recommendation code generation server through a wired / wireless network to generate a product recommendation code, and the product recommendation code is converted to a second client (recommended client) credit card (IC). All cards having a data storage function including a card or a smart card), and the second client (recommended client) credit card when purchasing the recommended product with the second client (recommended client) credit card. In the product recommendation method using a credit card that provides an incentive according to the product recommendation to the first client (recommended client) based on the product recommendation code stored in the A recommendation product information providing step of selecting (or entering) a product to be recommended to the second client (recommended client) by a first client (recommended client) connected to the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating a product recommendation unique code by linking the recommendation product information with the first client (recommended client) information in the recommendation code generation server; Providing, by the recommendation code generation server, the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client); Providing, by the recommendation code generation server, the unique recommendation code information to an authentication server located on a communication network and storing the unique recommendation code information in a predetermined database in the authentication server; When purchasing a product recommended by the first client using a credit card of the second client (recommended client), the product selling payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client). (Or received from a credit card of the second client (recommended client)) to the authentication server; Comparing the unique recommendation code provided from the payment terminal with the unique recommendation code information stored in a database in the authentication server and providing the unique recommendation code to the recommendation code generation server; And And providing an incentive according to a product recommendation to the first client on the basis of the recommendation code provided from the authentication server at the recommendation code generating server. 133. The method of claim 133, And storing the generated unique recommendation code in association with the second client information and storing the generated unique recommendation code in the recommendation code generation server. 134. The method of claim 133, wherein the recommendation code generation step comprises: The first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommendation client) that is the product recommender to the recommendation code generation server, the product using a credit card Recommended way. 134. The method of claim 133, wherein the recommendation code generation step comprises: And generating a unique recommendation code by encrypting the unique recommendation code when generating the unique recommendation code from the recommendation code generation server. 134. The method of claim 133, wherein the recommendation code generation step comprises: And extracting information of the first client (recommended client), which is the product recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. 134. The method of claim 133, wherein the recommendation code generating server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); And receiving, by the second client (recommended client), the unique recommendation code generation server to receive the generated unique recommendation code. 134. The method of claim 133, wherein the recommendation code generating server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the first client (recommended client); And And providing, by the first client (recommended client), the unique recommendation code to the second client (recommended client). 134. The method of claim 133, wherein the recommendation code generating server converts the generated unique recommendation code into a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); And Providing the generated unique recommendation code to the second client (recommended client) using the second client (recommended client) contact information in the recommendation code generation server. How to recommend a product using a card. 134. The method of claim 133, further comprising: providing the unique recommendation code from the authentication server to the recommendation code generation server. The product recommendation method using a credit card, characterized in that the authentication server provides the unique recommendation code to the recommendation code generation server in real time or periodically. 134. The method of claim 133, wherein the product sales payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). The step of providing to the authentication server, Extracting the unique recommendation code stored in the credit card of the second client (recommended client) at the product sales payment terminal; or And providing the unique recommendation code to the payment terminal in the credit card of the second client (recommended client). 134. The method of claim 133, wherein the product sales payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). In the providing to the authentication server, Providing the generated unique recommendation code to the payment terminal by the recommendation code generation server; And And a step of authenticating the unique recommendation code by comparing the unique recommendation code provided from the second client credit card and the unique recommendation code provided by the recommendation code generation server in the payment terminal. How to recommend a product using a credit card. 134. The method of claim 133, wherein the product sales payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or receives it from the credit card of the second client (recommended client)). In the providing to the authentication server, The credit card further comprises a recommendation product information checking step of confirming whether the product (or service) information included in the unique recommendation code and the product (or service) to be used by the second client from the payment terminal is matched. Product recommendation method using. The method of claim 133, wherein the recommendation code generation server pays the first client an incentive for recommending the product. And a unique recommendation code authentication processing step of authenticating the unique recommendation code provided by the payment terminal in the recommendation code generation server. The method of claim 133, wherein the recommendation code generation server pays the first client an incentive for recommending the product. The incentive is a product recommendation method using a credit card, characterized in that it comprises at least one or more cash, or points, miles or tickets, or vouchers. The method of claim 133, wherein the recommendation code generation server pays the first client an incentive for recommending the product. The incentive is a product recommendation method using a credit card, characterized in that paid to the second client (recommended client) who purchased the product. 134. The method of claim 133, wherein the recommendation code is The product recommendation method using a credit card comprising the information on the recommended product and the information of the first client for recommending the product. 134. The method of claim 133, wherein the recommendation code is Product recommendation method using a credit card, characterized in that consisting of a credit card number system. 134. The method of claim 133, wherein the recommendation code is Product recommendation method using a credit card, characterized in that it is produced in the form of an applet. 134. The method of claim 133, wherein the recommendation code is A product recommendation method using a credit card, which is transmitted via wired / wireless communication network and local area communication. 134. The method of claim 133, wherein the recommendation code is As the product recommendation proceeds step by step, the first client information data, A second client recommending the product to a third client after receiving the product recommendation from the first client; A third client recommending the product to the n-th client after receiving the product recommendation from the second client; And a n-th client information for recommending the product to a (n + 1) -th client after receiving a product recommendation from the third client. The method of claim 133 or 152, When purchasing a product recommended by the nth client with a card of the (n + 1) client associated with the unique recommendation code, the first client, the second client, The third client, ... step, the step of paying the incentive according to the product recommendation to the n-th client; The product recommendation method using a credit card further comprising. The credit card of claim 133, A method for recommending a product using a credit card, comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including smart card, IC card, and credit card information. 154. The wireless (portable) terminal of claim 154, wherein when the credit card is an IC chip or memory area mounted in a wireless (portable) terminal containing credit card information, Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phones, IMT-2000 (International Mobile) Telecommunication-2000) at least one product recommendation method using a credit card, characterized in that it comprises. The method according to claim 133 or 154, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. The recommendation code generation server extracts the unique recommendation code stored in the credit card of the second client (recommended client) at the product sales payment terminal (or receives it from the credit card of the second client (recommended client)). In the providing step, When the unique recommendation code is electronic authentication image data including one-dimensional barcode, two-dimensional barcode, three-dimensional barcode, color barcode, Product recommendation method using a credit card, characterized in that provided via the barcode reader of the payment terminal. The method according to claim 133 or 154, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. And extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the product sales payment terminal, using short-range communication. The method according to claim 133 or 154, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information. When the product recommendation payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client), infrared data communication, RF (Radio Frequency) data communication, Bluetooth (Bluetooth) data communication, using a wireless LAN A product recommendation method using a credit card, characterized in that using at least one data communication. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired or wireless network to generate an affiliated store recommendation code, and stores the affiliated store recommendation code with the second client (recommended client) credit card information. A credit card that stores in association with the second client (recommended client) credit card and provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code. In the merchant recommendation method that you used, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to a payment terminal of the affiliate store to store in the payment terminal memory area; Receiving credit card information of the second client (recommended client) from the merchant payment terminal when using the affiliated shop recommended by the first client with a card of the second client (recommended client) associated with the unique recommendation code Extracting a unique recommendation code for the affiliated store by comparing the credit card information of the second client (recommended client) associated with the unique recommendation code previously stored in the payment terminal memory area; And Providing the extracted unique recommendation code to the recommendation code generation server at the merchant payment terminal; And And providing, by the recommendation code generation server, the incentive according to the recommendation of the affiliated store to the first client. 158. The method of claim 159, wherein the recommendation code generation step comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. 158. The method of claim 159, wherein generating the unique recommendation code comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 159, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 159, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 159, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 159, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client) is performed. Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Merchant recommendation method using a credit card, characterized in that made. 158. The method of claim 159, wherein in the merchant payment terminal, providing the extracted unique recommendation code to the recommendation code generation server, Merchant recommendation method using a credit card, characterized in that provided by the merchant payment terminal provides the extracted unique recommendation code to the recommendation code generation server in real time or periodically. 162. The method of claim 159, In the step of paying the incentive according to the merchant recommendation to the first client in the recommendation code generation server, The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. 162. The method of claim 159, In the step of paying the incentive according to the merchant recommendation to the first client in the recommendation code generation server, The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The system of claim 159, wherein the recommendation code is: Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The system of claim 159, wherein the recommendation code is: Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The system of claim 159, wherein the recommendation code is: As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. 171. The method of claim 159 or 171, wherein When using the affiliated shop recommended by the nth client with the card of the (n + 1) th client associated with the unique recommendation code, the first client, the second client, and the first Step 3 of paying incentives according to the merchant recommendation to the client, ..., the n-th client; Merchants recommendation method using a credit card further comprising. 162. The credit card of claim 159, wherein Method of recommending a merchant using a credit card, characterized in that it comprises at least one IC chip or memory area mounted in a wireless (mobile) terminal including a magnetic stripe (MS) card, smart card, IC card, credit card information. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired or wireless network to generate an affiliated store recommendation code, and stores the affiliated store recommendation code with the second client (recommended client) credit card information. A credit card that stores in association with the second client (recommended client) credit card and provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code. In the merchant recommendation method using, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to a payment terminal of the affiliate store to store in the payment terminal memory area; The recommendation code generation server provides the authentication server located on the communication network with the unique recommendation code and the credit card information of the second client (recommended client) in a predetermined database in the authentication server. step; Receiving credit card information of the second client (recommended client) from the merchant payment terminal when using the affiliated shop recommended by the first client with a card of the second client (recommended client) associated with the unique recommendation code Extracting a unique recommendation code for the affiliated store by comparing the credit card information of the second client (recommended client) associated with the unique recommendation code previously stored in the payment terminal memory area; Providing the extracted unique recommendation code to the authentication server at the merchant payment terminal; The authentication server compares the unique recommendation code provided by the payment terminal with recommendation code information stored in a predetermined database in the authentication server, and then authenticates the recommendation code to the recommendation code generation server to provide the recommendation code according to the use of the affiliated store. step; And And providing, by the recommendation code generation server, the incentive according to the recommendation of the affiliated store to the first client. The method of claim 174, wherein the recommendation code generation step comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. 174. The method of claim 174, wherein generating the unique recommendation code comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 174, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 174, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 174, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 174, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client), comprises: Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Merchant recommendation method using a credit card, characterized in that made. The method of claim 174, further comprising: providing a recommendation code according to the use of the affiliated store from the authentication server to the recommendation code generation server. Merchant recommendation method using a credit card, characterized in that the authentication server provides the unique recommendation code to the recommendation code generation server in real time or periodically. 174. The method of claim 174, wherein In the step of paying the incentive according to the merchant recommendation to the first client in the recommendation code generation server, The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. 174. The method of claim 174, wherein In the step of paying the incentive according to the merchant recommendation to the first client in the recommendation code generation server, The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The method of claim 174, wherein the recommendation code, Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The method of claim 174, wherein the recommendation code, Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 174, wherein the recommendation code, As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. The method of claim 174 or 186, wherein When using the affiliated shop recommended by the nth client with the card of the (n + 1) th client associated with the unique recommendation code, the first client, the second client, and the first Step 3 of paying incentives according to the merchant recommendation to the client, ..., the n-th client; Merchants recommendation method using a credit card further comprising. 174. The method of claim 174, wherein the credit card is Method of recommending a merchant using a credit card, characterized in that it comprises at least one IC chip or memory area mounted in a wireless (mobile) terminal including a magnetic stripe (MS) card, smart card, IC card, credit card information. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired or wireless network to generate an affiliated store recommendation code, and stores the affiliated store recommendation code with the second client (recommended client) credit card information. A credit card that stores in association with the second client (recommended client) credit card and provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code. In the merchant recommendation method using, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Storing, by the recommendation code generation server, the generated unique recommendation code in association with credit card information of the second client (recommended client) in a predetermined database; When using the affiliated shop recommended by the first client as a card of the second client (recommended client) associated with the unique recommendation code, the affiliated store payment terminal and the credit card of the second client (recommended client) Providing information to the recommendation code generation server; The credit card of the second client (recommended client) previously stored in the predetermined database using the merchant information provided from the payment terminal and the credit card information of the second client (recommended client) in the recommendation code generation server. Extracting a unique recommendation code associated with the information; And And providing an incentive according to the recommendation of the affiliated store to the first client by using the extracted unique recommendation code in the recommendation code generation server. The method of claim 189, wherein the recommendation code generation step comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. The method of claim 189, wherein generating the unique recommendation code comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 189, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 189, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 189, wherein the storing of the generated unique recommendation code in association with credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 189, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client), comprises: Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Merchant recommendation method using a credit card, characterized in that made. The method of claim 189, further comprising: providing, at the merchant payment terminal, credit card information of the affiliated store information and the second client (recommended client) to the recommendation code generation server. Merchants recommendation method using a credit card, characterized in that the merchant payment terminal provides the merchant information and the credit card information of the second client (recommended client) to the recommendation code generation server in real time or periodically. The method of claim 189, wherein in the recommendation code generation server, providing an incentive according to a merchant recommendation to the first client, The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. The method of claim 189, wherein in the recommendation code generation server, providing an incentive according to a merchant recommendation to the first client, The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The method of claim 189, wherein the recommendation code comprises: Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The method of claim 189, wherein the recommendation code comprises: Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 189, wherein the recommendation code comprises: As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. The method of claim 189 or 201, wherein When using the affiliated shop recommended by the nth client with the card of the (n + 1) th client associated with the unique recommendation code, the first client, the second client, and the first Step 3 of paying incentives according to the merchant recommendation to the client, ..., the n-th client; Merchants recommendation method using a credit card further comprising. The method of claim 189, wherein the credit card is Method of recommending a merchant using a credit card, characterized in that it comprises at least one IC chip or memory area mounted in a wireless (mobile) terminal including a magnetic stripe (MS) card, smart card, IC card, credit card information. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired or wireless network to generate an affiliated store recommendation code, and stores the affiliated store recommendation code with the second client (recommended client) credit card information. A credit card that stores in association with the second client (recommended client) credit card and provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code. In the merchant recommendation method using, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Storing the generated unique recommendation code in association with credit card information of the second client (recommended client) in the recommendation code generation server; Providing, by the recommendation code generation server, information associated with the unique recommendation code and credit card information of the second client (recommended client) to an authentication server located on a communication network and storing the information in an authentication server database; Receiving credit card information of the second client (recommended client) from the merchant payment terminal when using the affiliated shop recommended by the first client with a card of the second client (recommended client) associated with the unique recommendation code Providing the authentication server together with the affiliated store information; The recommendation by extracting a unique recommendation code associated with the credit card information previously stored in the database by using the credit card information and merchant information of the second client (recommended client) provided from the payment terminal in the authentication server Providing a recommendation code according to the use of the affiliated store to a code generation server; And And providing, by the recommendation code generation server, the incentive according to the recommendation of the affiliated store to the first client. The method of claim 204, wherein the recommendation code generation step comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. 204. The method of claim 204, wherein generating the unique recommendation code comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 204, wherein the storing of the generated unique recommendation code in association with the credit card information of the second client comprises: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); The second client (recommended client) accessing the unique recommendation code generation server to provide credit card information of the second client (recommended client); And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 204, wherein the storing of the generated unique recommendation code in association with the credit card information of the second client comprises: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); Providing, by the recommendation code generation server, the generated unique recommendation code information to the second client (recommended client) using the second client (recommended client) contact information; Receiving credit card information of the second client (recommended client) from the second client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 204, wherein the storing of the generated unique recommendation code in association with the credit card information of the second client comprises: Receiving credit card information of the second client (recommended client) from the first client (recommended client) at the recommendation code generation server; And And storing the generated unique recommendation code in association with the credit card information of the second client and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 204, wherein the storing of the generated unique recommendation code in association with credit card information of the second client (recommended client), comprises: Providing, by the recommendation code generation server, information generated by the generated unique recommendation code information and the unique recommendation code information associated with the credit card information of the second client to the second client (recommended client); Merchant recommendation method using a credit card, characterized in that made. 203. The method of claim 204, further comprising: providing a recommendation code according to the use of the affiliated store from the authentication server to the recommendation code generation server. Merchant recommendation method using a credit card, characterized in that the authentication server provides the recommendation code to the recommendation code generation server in real time or periodically. 203. The method of claim 204, wherein the recommendation code generation server pays the first client an incentive according to a merchant recommendation. The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. 203. The method of claim 204, wherein the recommendation code generation server pays the first client an incentive according to a merchant recommendation. The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The method of claim 204, wherein the recommendation code is: Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The method of claim 204, wherein the recommendation code is: Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 204, wherein the recommendation code is: As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. The method of claim 204 or 216, wherein When using the affiliated shop recommended by the nth client as a card of the (n + 1) th client associated with the unique recommendation code, the unique recommendation code for the prestored affiliated store is extracted and the first client, the second client, The third client, ... step, the step of paying the incentive according to the merchant recommendation to the n-th client; Merchants recommendation method using a credit card further comprising. 205. The credit card of claim 204, wherein Method of recommending a merchant using a credit card, characterized in that it comprises at least one IC chip or memory area mounted in a wireless (mobile) terminal including a magnetic stripe (MS) card, smart card, IC card, credit card information. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired / wireless network to generate an affiliated store recommendation code, and the merchant recommendation code is a second client (recommended client) credit card (IC). All cards having a data storage function including a card or a smart card), and the second client (recommended client) credit card is used when the recommended affiliate store is used as the second client (recommended client) credit card. In the merchant recommendation method using a credit card that provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Providing, by the recommendation code generation server, the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client); When using the affiliated shop recommended by the first client as the credit card of the second client (recommended client), the merchant recommends that the unique recommendation code stored in the credit card of the second client (recommended client) is extracted from the payment terminal. (Or receiving from a credit card of the second client (recommended client)) providing the recommendation code generation server; And And paying, by the recommendation code generation server, an incentive according to the recommendation of the affiliated store to the first client based on the recommendation code provided from the payment terminal. The method of claim 219, And storing the generated unique recommendation code in association with the second client information and storing the generated unique recommendation code in the recommendation code generation server. The method of claim 219, wherein the recommendation code generation step comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. The method of claim 219, wherein the recommendation code generation step comprises: And generating a unique recommendation code by encrypting the unique recommendation code when generating the unique recommendation code from the recommendation code generation server. The method of claim 219, wherein the recommendation code generation step comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. The method of claim 219, wherein the recommendation code generation server converts the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); And a second client (recommended client) accessing the unique recommendation code generation server and receiving the generated unique recommendation code. 2. The method of claim 219, wherein the recommendation code generation server converts the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the first client (recommended client); And The first client (recommended client) providing the unique recommendation code to the second client (recommended client); Merchant recommendation method using a credit card comprising a. The method of claim 219, wherein the recommendation code generation server converts the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); And Providing the generated unique recommendation code to the second client (recommended client) using the second client (recommended client) contact information in the recommendation code generation server. How to recommend a merchant using a card. The method of claim 219, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). In the providing to the recommendation code generation server, Merchant recommendation method using a credit card, characterized in that provided by the merchant payment terminal provides the extracted unique recommendation code to the recommendation code generation server in real time or periodically. The method of claim 219, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). Providing to the recommendation code generation server, Extracting the unique recommendation code stored in the credit card of the second client (recommended client) at the merchant payment terminal; or And providing the unique recommendation code to the payment terminal in the credit card of the second client (recommended client). The method of claim 219, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). In the providing to the recommendation code generation server, Providing the generated unique recommendation code to the payment terminal by the recommendation code generation server; And And a step of authenticating the unique recommendation code by comparing the unique recommendation code provided from the second client credit card and the unique recommendation code provided by the recommendation code generation server in the payment terminal. How to recommend a merchant using a credit card. The method of claim 219, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). In the providing to the recommendation code generation server, The merchant recommendation method using a credit card further comprises the step of checking the merchant information included in the unique recommendation code and the merchant from the payment terminal to match the merchant to be used by the second client. The method of claim 219, wherein the recommendation code generation server pays the first client an incentive according to the affiliate store recommendation. Merchant recommendation method using a credit card further comprises a unique recommendation code authentication processing step of authenticating the unique recommendation code provided by the payment terminal in the recommendation code generation server. The method of claim 219, wherein the recommendation code generation server pays the first client an incentive according to the affiliate store recommendation. The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. The method of claim 219, wherein the recommendation code generation server pays the first client an incentive according to the affiliate store recommendation. The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The method of claim 219, wherein the recommendation code comprises: Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The method of claim 219, wherein the recommendation code comprises: Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 219, wherein the recommendation code comprises: Merchant recommendation method using a credit card, characterized in that it is produced in the form of an applet. The method of claim 219, wherein the recommendation code comprises: Merchant recommendation method using a credit card characterized in that the transmission through the wired / wireless communication network and the local area communication. The method of claim 219, wherein the recommendation code comprises: As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. 238. The method of claim 219 or 238, wherein When using the affiliated shop recommended by the nth client as a card of the (n + 1) th client associated with the unique recommendation code, the unique recommendation code for the prestored affiliated store is extracted and the first client, the second client, The third client, ... step, the step of paying the incentive according to the merchant recommendation to the n-th client; Merchants recommendation method using a credit card further comprising. 219. The method of claim 219, wherein the credit card is A merchant recommendation method using a credit card comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including smart card, IC card, and credit card information. 240. The wireless (portable) terminal of claim 240, wherein the credit card is an IC chip or memory area mounted in a wireless (portable) terminal including credit card information. Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Smart Phones, IMT-2000 (International Mobile) Merchant recommendation method using a credit card comprising at least one Telecommunication-2000). 240. The method according to claim 219 or 240, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. At the merchant payment terminal, the unique recommendation code stored in the credit card of the second client (recommended client) is extracted (or received from the credit card of the second client (recommended client)) to the recommendation code generation server. In the providing step, When the unique recommendation code is electronic authentication image data including one-dimensional barcode, two-dimensional barcode, three-dimensional barcode, color barcode, Merchant recommendation method using a credit card, characterized in that provided through the barcode reader of the payment terminal. 240. The method according to claim 219 or 240, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. Merchants recommendation method using a credit card, characterized in that for using the short-range communication when extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the merchant payment terminal. 240. The method according to claim 219 or 240, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal containing credit card information. When extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the merchant payment terminal, infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, data using wireless LAN Merchant recommendation method using a credit card, characterized in that using at least one communication. A first client (recommended client) recommending an affiliated store connects to a recommendation code generation server through a wired / wireless network to generate an affiliated store recommendation code, and the merchant recommendation code is a second client (recommended client) credit card (IC). All cards having a data storage function including a card or a smart card), and the second client (recommended client) credit card is used when the recommended affiliate store is used as the second client (recommended client) credit card. In the merchant recommendation method using a credit card that provides an incentive according to the merchant recommendation to the first client (recommended client) based on the stored merchant recommendation code, A recommendation store information providing step of selecting (or inputting) an affiliate store to be recommended to the second client (recommended client) by a first client (recommended client) accessing the recommendation code generation server through a wired or wireless network; A recommendation code generation step of generating, at the recommendation code generation server, an affiliate store recommendation unique code by linking the recommendation affiliate information with the first client (recommended client) information; Providing, by the recommendation code generation server, the generated unique recommendation code to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client); Providing, by the recommendation code generation server, the unique recommendation code information to an authentication server located on a communication network and storing the unique recommendation code information in a predetermined database in the authentication server; When using the affiliated shop recommended by the first client as the credit card of the second client (recommended client), the merchant recommends that the unique recommendation code stored in the credit card of the second client (recommended client) is extracted from the payment terminal. (Or received from a credit card of the second client (recommended client)) to the authentication server; Comparing the unique recommendation code provided from the payment terminal with the unique recommendation code information stored in a database in the authentication server and providing the unique recommendation code to the recommendation code generation server; And providing, by the recommendation code generation server, an incentive according to the recommendation of the affiliated store to the first client based on the recommendation code provided from the authentication server. 245. The method of claim 245, And storing the generated unique recommendation code in association with the second client information and storing the generated unique recommendation code in the recommendation code generation server. 245. The method of claim 245, wherein generating the recommendation code comprises: Merchants using a credit card, characterized in that the first client (recommended client) further comprises a recommender information providing step of providing information of the first client (recommended client) that is the merchant recommendation to the recommendation code generation server Recommended way. 245. The method of claim 245, wherein generating the recommendation code comprises: And generating a unique recommendation code by encrypting the unique recommendation code when generating the unique recommendation code from the recommendation code generation server. 245. The method of claim 245, wherein generating the recommendation code comprises: And extracting information of the first client (recommended client), which is the affiliated shop recommender, from the member information of the first client (recommended client) in the recommendation code generation server. Recommended way. 245. The system of claim 245, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the second client (recommended client) by the first client (recommended client); And a second client (recommended client) accessing the unique recommendation code generation server and receiving the generated unique recommendation code. 2. 245. The system of claim 245, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: Providing the generated unique recommendation code information to the first client (recommended client); And The first client (recommended client) providing the unique recommendation code to the second client (recommended client); Merchant recommendation method using a credit card comprising a. 245. The system of claim 245, wherein the generated unique recommendation code is generated by the recommendation code generation server to a credit card (all cards having a data storage function including an IC card or a smart card) of the second client (recommended client). The steps provided are: The recommendation code generation server can contact the second client (recommended client) including the second client (recommended client) contact information (mail, phone number, mobile phone number, address) from the first client (recommended client). Information); And Providing the generated unique recommendation code to the second client (recommended client) using the second client (recommended client) contact information in the recommendation code generation server. How to recommend a merchant using a card. 245. The method of claim 245, wherein in providing the unique recommendation code from the authentication server to the recommendation code generation server, Merchant recommendation method using a credit card, characterized in that the authentication server provides the unique recommendation code to the recommendation code generation server in real time or periodically. 245. The method of claim 245, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). Providing to the authentication server, Extracting the unique recommendation code stored in the credit card of the second client (recommended client) at the merchant payment terminal; or And providing the unique recommendation code to the payment terminal in the credit card of the second client (recommended client). 245. The method of claim 245, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). In the providing to the authentication server, Providing the generated unique recommendation code to the payment terminal by the recommendation code generation server; And And a step of authenticating the unique recommendation code by comparing the unique recommendation code provided from the second client credit card and the unique recommendation code provided by the recommendation code generation server in the payment terminal. How to recommend a merchant using a credit card. 245. The method of claim 245, wherein the merchant's payment terminal extracts the unique recommendation code stored in the credit card of the second client (recommended client) (or is provided from the credit card of the second client (recommended client)). In the providing to the authentication server, The merchant recommendation method using a credit card further comprises the step of checking the merchant information included in the unique recommendation code and the merchant from the payment terminal to match the merchant to be used by the second client. 245. The method of claim 245, wherein the recommendation code generating server pays the first client an incentive for recommending a merchant. Merchant recommendation method using a credit card further comprises a unique recommendation code authentication processing step of authenticating the unique recommendation code provided by the payment terminal in the recommendation code generation server. 245. The method of claim 245, wherein the recommendation code generating server pays the first client an incentive for recommending a merchant. The incentive is a merchant, recommendation method using a credit card, characterized in that comprises at least one or more points, mileage, tickets, or gift certificates. 245. The method of claim 245, wherein the recommendation code generating server pays the first client an incentive for recommending a merchant. The incentive is a merchant recommendation method using a credit card, characterized in that paid to the second client (recommended client) using the merchant. The method of claim 245, wherein the recommendation code is: Merchants recommendation method using a credit card comprising the information on the recommended merchant and the information of the first client for recommending the merchant. The method of claim 245, wherein the recommendation code is: Merchant recommendation method using a credit card, characterized in that consisting of a credit card number system. The method of claim 245, wherein the recommendation code is: Merchant recommendation method using a credit card, characterized in that it is produced in the form of an applet. The method of claim 245, wherein the recommendation code is: Merchant recommendation method using a credit card characterized in that the transmission through the wired / wireless communication network and the local area communication. The method of claim 245, wherein the recommendation code is: As the affiliated store recommendation is performed step by step, the first client information data, A second client recommending the affiliated store to a third client after receiving the affiliated store recommendation from the first client; A third client recommending the affiliated store to the nth client after receiving the affiliated store recommendation from the second client; The merchant recommendation method using a credit card comprising the n-th client information for recommending the merchant to the (n + 1) client after receiving the merchant recommendation from the third client. The method of claim 245 or 264, wherein When using the affiliated shop recommended by the nth client as a card of the (n + 1) th client associated with the unique recommendation code, the unique recommendation code for the prestored affiliated store is extracted and the first client, the second client, The third client, ... step, the step of paying the incentive according to the merchant recommendation to the n-th client; Merchants recommendation method using a credit card further comprising. 245. The credit card of claim 245, A merchant recommendation method using a credit card comprising at least one IC chip or a memory area mounted in a wireless (mobile) terminal including smart card, IC card, and credit card information. 268. The wireless (portable) terminal according to claim 266, wherein when the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), Smartphone (Smart Phone), IMT-2000 (International Mobile) Merchant recommendation method using a credit card, characterized in that it comprises at least one. The method according to claim 245 or 266, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information. At the merchant payment terminal, the unique recommendation code stored in the credit card of the second client (recommended client) is extracted (or received from the credit card of the second client (recommended client)) to the recommendation code generation server. In the providing step, When the unique recommendation code is electronic authentication image data including one-dimensional barcode, two-dimensional barcode, three-dimensional barcode, color barcode, Merchant recommendation method using a credit card, characterized in that provided through the barcode reader of the payment terminal. The method according to claim 245 or 266, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information. Merchants recommendation method using a credit card, characterized in that for using the short-range communication when extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the merchant payment terminal. The method according to claim 245 or 266, wherein the credit card is an IC chip or a memory area mounted in a wireless (portable) terminal including credit card information. When extracting the unique recommendation code stored in the credit card of the second client (recommended client) in the merchant payment terminal, infrared data communication, RF (Radio Frequency) data communication, Bluetooth data communication, data using wireless LAN Merchant recommendation method using a credit card, characterized in that using at least one communication.