KR20040048169A - System for Payment Group Buying and Method for Servicing by Using Credit Card with Group Buying Key - Google Patents

Abstract

PURPOSE: A system for the group buying payment using a credit card equipped with a group buying key and a service method thereof are provided to realize the group buying on the offline by enabling a user to buy goods at a discounted group buying price when the user pays the goods with the credit card equipped with the information for the group buying promoted on the wire/wireless Internet. CONSTITUTION: A group buying web server(115) performs the group buying on the wire/wireless Internet and generates the group buying information. A client(140) applies for the group buying on the web server. A group buying key providing server(105) generates the group buying key by receiving the group buying information generated from the web server. The credit card(100) receives/stores the group buying key from the group buying key providing server. A credit card settlement terminal(135) extracts the group buying key from the credit card.

Description

System for Payment Group Buying and Method for Servicing by Using Credit Card with Group Buying Key}

The present invention relates to a Payment Group Buying system and a service method using a credit card equipped with a Group Buying Key, which combines an existing co-purchase system on a wired / wireless Internet and an offline credit card payment system. And a credit card having a storage medium capable of storing the joint purchase key in the system, a joint purchase key providing server for providing the joint purchase key to the credit card, and a credit card loaded with the joint purchase key. Billing co-purchase system that adds a co-purchase authentication server for authenticating billing co-purchase;

1) the co-purchase key providing server generates a co-purchase key including the co-purchase information delivered through the co-purchase web server and credit card information delivered from the client, and the co-purchase key according to the co-purchase activation conditions How to download and load into a client's credit card which is processed into an applet that contains purchase activation information and can be loaded onto the client's credit card;

2) a method in which the co-purchase web server transmits the co-purchase activation to the credit card payment terminal device, the co-purchase authentication server and / or the credit card payment server, and the client who received the co-purchase key according to the co-purchase activation condition;

3) When the credit card customer provided with the co-purchase key purchases the co-purchase application product and the same product at a store on or offline and requests payment, the credit card payment terminal device extracts the co-purchase key from the credit card. A credit card payment terminal device and a joint purchase authentication server, etc. confirm whether the joint purchase key is activated and process the payment through the credit card payment server according to whether the joint purchase key is activated;

4) Then, after the credit card settlement server settles the co-purchase payment, the co-purchase discount included in the activated co-purchase key is verified after confirming whether the co-purchase key is activated for the co-purchase payment that has not been activated. How to settle the discounted amount corresponding to the information

It is to provide a system and method for payment co-purchasing where a co-purchased promotion on a wired / wireless Internet using a credit card purchases at a co-purchase price discounted in bulk during the purchase and settlement of the same product online and offline through a credit card.

Co-purchase is a method of purchasing at the discounted price when the number of customers who want to purchase the same product or product for the purpose of mass discount through mass purchase is over a certain level, and according to the number of customers who applied for co-purchase, It is a sales method characterized in that the discount rate is gradually increased to change.

For joint purchase, which is executed through the existing wired / wireless Internet, the joint purchase web server suggests a discounted amount or a discount rate for the number of purchased customers for the sold product, and the discounted amount or discount rate increases as the number of customers who apply for the joint purchase of the corresponding product increases. When the number of the co-purchase customers reaches a certain level, the co-purchase web server sells the goods at a discount price corresponding to the number of the co-purchase customers, and the co-purchase web server promotes the promotions and the goods. Will be offered in bulk until sale. For example, in the case of the joint purchase where the maximum discount amount or the maximum discount rate is applied when 50 joint purchase request customers reach 50, the joint purchase is canceled or the joint purchase request is applied when the number of the joint purchase request customers is less than 50. The sale price is determined by applying a discount amount or a discount rate calculated as a function of the number of customers.

However, purchasing through the existing co-purchase does not necessarily mean the lowest priced purchase, and limits the range of purchase options for the commodity to the co-purchase web server for the corresponding co-purchase promotion. There is a problem.

In addition, since the amount of the discount or the discount rate is determined based on the joint purchase applicants, the joint purchase web server is not allowed to sell in bulk sales. There is a problem that can not properly handle the joint purchase characterized by the large discount according to.

In addition, the joint purchase through the existing wired and wireless Internet is a problem that other Internet shopping malls include, that is, it takes several days to receive and receive the purchased product, and because the product is not confirmed and purchased directly, If not, or if it is defective, the return or refund process is complicated and time consuming.

An object of the present invention to solve the above problems is to combine the existing co-purchase system on the wired and wireless Internet and the offline credit card payment system, and the credit card is equipped with a storage medium for storing the co-purchase key in the system; A joint purchase system for providing a joint purchase key for providing a joint purchase key to the credit card, a joint purchase authentication server for adding a joint purchase authentication server for authenticating the purchase of a joint purchase using a credit card equipped with the joint purchase key, and 1) The joint purchase key providing server generates the joint purchase key including the joint purchase information delivered through the joint purchase web server and the credit card information transmitted from the client, and activates the joint purchase according to the joint purchase activation condition on the joint purchase key. Go to the applet that contains the information and can be loaded onto the client's credit card 2) The co-purchase web server downloads the credit card payment terminal device, co-purchase authentication server and / or credit card payment server, and co-purchase key according to the co-purchase activation condition. 3) a credit card customer who has received a co-purchase key and purchases the co-purchase request product and the same product at a store on or offline and requests payment. After the terminal device extracts the co-purchase key from the credit card, the credit card payment terminal and the co-purchase authentication server check whether the co-purchase key is activated, and execute the credit card payment server according to whether the co-purchase key is activated. 4) And, the credit card payment server to settle the co-purchase payment After confirming whether or not the joint purchase key is activated for the joint purchase payment in which the joint purchase key is not activated, the method provides a method of calculating a discount amount corresponding to the joint purchase discount information included in the activated joint purchase key and providing wired / wireless Internet access. The present invention provides a joint purchase settlement system and a method of purchasing at a discounted joint purchase price through the purchase and settlement of the same product online and offline through a credit card.

1 is a simple block diagram of a payment joint purchase system using a credit card equipped with a joint purchase key.

Fig. 2 is a simple flow diagram of the first step of the present invention in which the joint purchase key is loaded into the credit card of the joint purchase request client.

3 is a simple flowchart of a second step of the present invention in which a co-purchase web server delivers co-purchase activation information to each component of a payment co-purchase system.

Fig. 4 is a simple flowchart of a third step in which a credit card customer purchases and pays the same product as the co-purchased product.

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

<Description of main parts of drawing>

100: credit card 105: co-purchase key providing server

110: co-purchase authentication server 115: co-purchase web server

120: joint purchase D / B125: joint purchase table

130: credit card payment server 135: credit card payment terminal device

140: client

The present invention relates to a Payment Group Buying system and a service method using a credit card equipped with a Group Buying Key, which combines an existing co-purchase system on a wired / wireless Internet and an offline credit card payment system. And a credit card having a storage medium capable of storing the joint purchase key in the system, a joint purchase key providing server for providing the joint purchase key to the credit card, and a credit card loaded with the joint purchase key. Co-purchase key including a co-purchase system that adds a co-purchase authentication server that authenticates the co-purchase of payments, and a co-purchase key that includes the co-purchase information delivered through the co-purchase web server and credit card information from the client Generate a joint purchase bow according to the joint purchase activation conditions in the joint purchase key The first step of processing the applet, which includes the payment information, and downloads it to the client's credit card and loads it into the client's credit card. A second step of communicating that the purchase purchase server is activated to the purchase authentication server and / or the credit card payment server and the client receiving the purchase purchase key, the credit purchaser provided the purchase purchase key at the online and offline store. When the requested product and the product are purchased and the payment is requested, the credit card payment terminal extracts the co-purchase key from the credit card, and then the credit card payment terminal and the co-purchase authentication server confirm whether the co-purchase key is activated. And payment through a credit card payment server, depending on whether the co-purchase key is activated. In the third step of processing, and after the credit card settlement server settles the co-purchase payment, it checks whether the co-purchase key for the co-purchase payment for which the co-purchase key is not activated is included in the activated co-purchase key. And a fourth step of calculating a discount amount corresponding to the purchased joint purchase discount information.

In the present invention, the credit card is a series of one-chip and dual-chip wireless credit card, memory wireless card, slot wireless card and smart card type IC (Integrated Circuit) chip It includes all types of credit cards with the ability to read, record, and delete data and information.

Credit card, hereinafter, refers to a credit card equipped with a function of reading, recording, and deleting a series of data and information, and a client downloads a co-purchase key from a server providing a co-purchase key and loads it on the credit card. Refers to a co-purchase applicant on wired and wireless Internet, and a credit card customer refers to a co-purchase payment requester who holds a credit card with a co-purchase key and purchases a co-purchase product at a store on or offline. . That is, the client and the credit card customer refer to the same credit card user who received the co-purchase key. For the purpose of effective description of the present invention, the client and the credit card customer are referred to as the client, and the purchase and payment of the co-purchase product is performed. It's called a credit card customer.

In the present invention, payment co-purchase using a credit card equipped with a co-purchase key is 1) a co-purchase web server promoting the co-purchase and the Internet shopping mall and / or offline stores selling the co-purchase application products are separated; [Differences from existing joint purchases: The joint purchase application server, the product purchase server and the product purchase store are separated], 2) A credit card with the joint purchase key installed on the separated joint purchase web server and the Internet shopping mall and / or offline store. Through the linking [separate application server, purchase server and shop with a credit card], and 3) the amount of co-purchase discounts and / or discounts are determined or changed according to the conditions of co-purchase activation [with existing discount coupons]. Difference-the discounted amount or the discount rate is flexible according to the joint purchase activation conditions.

As described above, the co-purchase of the payment is performed by loading the co-purchase key generated by the co-purchase key providing server on the credit card of the client equipped with the storage medium on which the co-purchase key can be mounted, and then the client via the co-purchase web server. The first step in applying for a joint purchase, the second step in which the joint purchase web server informs each component of the payment joint purchase system whether the joint purchase is activated, and the credit card customer purchases and pays for the same product as the joint purchase request product. The third step, the fourth step of the credit card settlement server to settle the payment for the joint purchase goods.

In the first step where a client applies for a joint purchase through the joint purchase web server, the joint purchase key providing server applets the joint purchase key in which the joint purchase activation information [active / inactive] is set to active or inactive according to the joint purchase activation condition. Processed in the form of a client, characterized in that downloaded to the credit card and mounted.

In the second step where the co-purchase web server informs each component of the payment co-purchasing system whether or not the co-purchase is activated, in case of [2-1], the credit card customer purchases the same product as the co-purchase product and is reminded before requesting payment processing. When the joint purchase activation condition for the joint purchase is satisfied, the joint purchase web server transmits the joint purchase activation information to the credit card payment terminal device and / or the joint purchase authentication server through the wired / wireless internet, and applies for the joint purchase. All clients include wireless messaging methods including short message service (SMS), enhanced message service (EMS), multimedia messaging service (MMS), and wired messaging methods including e-mail or instant messenger. Announce that co-purchase has been activated through a variety of wired and wireless messaging.

[2-2] If the credit card customer purchases the same product as the joint purchase product and has already processed the payment, if the joint purchase activation condition for the joint purchase is satisfied, the joint purchase web server is activated with the credit card payment server. To inform credit card customers who have purchased the same product as the co-purchased product and that the co-purchase is activated through all kinds of wired and wireless messaging methods, so that the prepaid purchase amount is reduced to the co-purchase discount amount. It features.

In the third step, where the credit card customer purchases and pays the same merchandise as the joint purchase request product, the [3-1] credit purchase settlement terminal device includes the joint purchase activation information and / or included in the joint purchase key extracted from the credit card. Through the co-purchase activity information transmitted from the co-purchase web server before the credit card payment, the credit card payment terminal device (1) the co-purchase activation information of the co-purchasing key or (2) It is possible to recognize that the co-purchase is activated through the co-purchase activity.] If the co-purchase activity information of the purchased product is recognized, the co-purchase key extracted from the credit card [or the co-purchase delivered from the co-purchase web server] is recognized. The amount of payments for credit card customers' purchases by creating a collective purchase discount policy through the joint purchase discount information contained in If the payment is applied by applying the co-purchase discount policy to, and if the co-purchase activity information for the purchased product is not recognized, it is characterized by requesting the payment processing to the sales amount sold in the Internet shopping mall and the offline store.

Of course, when the payment amount processed at the sale price is not discounted as described above, when the joint purchase authentication server recognizes the joint purchase activation information, the joint purchase activation information is transferred from the joint purchase authentication server to the credit card payment terminal device. The joint purchase discount policy is applied by the credit card payment terminal device to process the payment.

If the joint purchase authentication server does not recognize the joint purchase activation information, the payment amount that the credit card payment terminal device makes through the credit card payment server is finally discounted in the fourth step in which the credit card payment server setstles the payment amount. do.

[3-2] In addition, through the joint purchase activation information transmitted from the joint purchase web server before the credit card payment, the joint purchase authentication server can only use the joint purchase activation information delivered from the web server. Recognize that co-purchase has been activated. Because co-purchase activation information of co-purchase key is filtered once in credit card payment terminal device]

Recognizing that the joint purchase of the purchased product is activated, the joint purchase authentication server checks whether the joint purchase discount policy is applied at the credit card payment terminal through the joint purchase key transmitted from the credit card payment terminal,

If the joint purchase discount policy is not applied to the credit card payment terminal device, the joint purchase authentication server delivers the joint purchase activity information transmitted from the joint purchase web server to the credit card payment terminal device, thereby making the joint purchase from the credit card payment terminal device. Make sure that the discount policy applies,

Recognizing that the credit card payment terminal has already discounted, the co-purchase authentication server requests credit card payment information and co-purchase key delivered from the credit card payment terminal to the credit card payment server for payment processing.

If it is not recognized that the joint purchase of the purchased product is activated, the joint purchase authentication server requests the credit card payment server to transmit the credit card payment information and the joint purchase key delivered from the credit card payment terminal device to process the payment. It is done.

If the co-purchase discount policy is not applied at the credit card payment terminal device or the discount is applied at the credit card payment terminal device (in the case of the co-purchase authentication server, the same is the case), it is transmitted from the credit card payment terminal device. If the settled payment amount has been processed at an undiscounted sale price, the settled amount is finally discounted in a fourth step where the credit card settlement server setstles the settled amount.

In the fourth step, the credit card payment server approves and settles the payment for the co-purchase product.

When the payment processing for the joint purchase product is requested to the credit card payment server through the third step of the present invention, the credit card payment server approves the payment,

If the co-purchase activity information is transmitted from the co-purchase web server to the credit card payment server before the settlement date of the credit card customer, the credit card payment server may perform the co-purchase of the Extract the joint purchase discount policy from the purchase key, apply the joint purchase discount policy to the previously settled payment amount, and settle the discounted amount;

If the co-purchase activation information is transferred from the co-purchase web server to the credit card payment server after the settlement date of the credit card customer, the credit card payment server may perform the co-purchase of the co-purchase request product based on the co-purchase activation information. Extracting the joint purchase discount policy from the purchase key, refunding the discount amount corresponding to the joint purchase discount policy to the predetermined amount, or providing a royalty corresponding to the discount amount to the credit card customer.

According to the present invention, the discount amount or the discount rate for the joint purchase product is determined or changed according to the joint purchase activation condition defined as a function of the number of joint purchase application clients and / or the joint purchase settlement customers, and the joint purchase activation condition is jointly The payment co-purchase proposed by the present invention is activated by the purchase web server so that a discount amount or a discount rate for the co-purchase product is applied or changed.

The joint purchase activation condition is to activate the payment joint purchase proposed by the present invention according to the joint purchase policy of the joint purchase web server, so that a credit card customer provided with the joint purchase key purchases the same product as the joint purchase application product on or offline. And the discount amount or the discount rate according to the joint purchase in the settlement process and / or settlement of the settlement amount. Therefore, credit customers who receive a co-purchase key pay at a discounted amount according to the co-purchase if the co-purchase is activated before the third step of purchasing and paying for the same product as the co-purchased goods at the online and offline stores. Even if the purchase of the same merchandise as the joint purchase application product is performed at a non-discounted amount because the joint purchase is not activated before the third step, the discount amount according to the joint purchase in the fourth step of settingtle the joint purchase settlement amount The amount settled or applied in accordance with this application will be refunded.

According to the present invention, the co-purchase activation condition is (1) activated when there is more than one client who applied for a co-purchase with the co-purchase web server [unconditional activation based on the applicant (activated through the co-purchase key in the first stage)], (2) Activated when there is more than one credit card customer who purchased the same product as the co-purchase product and paid through the credit card payment terminal device and co-purchasing authentication server. Activation through activation information)], (3) Activated when the number of clients who applied for co-purchase with the co-purchase web server is above a certain level or [co-purchasing criteria based on co-purchase applicants: Activation through, after reaching a certain level: activation through the joint purchase key in step 1)], (4) through the credit card payment terminal and the joint purchase authentication server and joint purchase products and It is activated when the number of credit card customers who have purchased and paid Japan products is above a certain level. Activation through the joint purchase key of the step)], (5) when the number of joint purchase application clients for a specific credit card affiliate (specific discount mart) and / or affiliate group (franchise chain) is above a certain level [ Applicant's criteria (before reaching a certain level: activated through 2/3 stage purchasing activity information, after reaching a certain level: activated through stage 1 purchasing key)], (6) certain credit card merchants and / or merchant groups Activated when the number of credit card customers who purchased and paid for the same product as the co-purchase product through the credit card payment terminal installed in the Based on the point payer (before reaching a certain level: activated through 2/3/4 step purchasing activity information, and after reaching a certain level: using step 1 purchasing key)], (7) The number of co-purchase clients with the same or within a certain range of co-purchased products among clients who apply for co-purchase through a specific internet shopping mall and home shopping is activated when the number of co-purchase clients is equal to or greater than a certain level. / 3/4 activation through joint purchase activation information, after reaching a certain level: activation through joint purchase key in step 1)], (8) joint purchase from a specific internet shopping mall and home shopping through a joint purchase web server Credit card payment customers who purchased and paid for the same item as the item they applied for have the same or lesser destination When activated when the number of customers is above a certain level [Based on the same destination applicant (Before reaching a certain level: Activate through co-purchase activation information of 2/3/4, After reaching a certain level: By using co-purchasing key of step 1) ], And the like.

In addition, the joint purchase web server is the second step and the third step of the present invention before the number of joint purchase application clients and / or the joint purchase settlement customers reaches a certain level based on the joint purchase activation conditions for each of the above-described cases. Activating the payment co-purchase provided by the present invention through the co-purchase activation information of the step and / or the fourth step, or the number of co-purchase request clients and / or co-purchase payment customers based on the co-purchase activation conditions. After reaching a certain level, the co-purchase provided by the present invention is activated by setting co-purchase activation information included in the co-purchase key of the first step of the present invention.

That is, when the payment joint purchase proposed by the present invention is activated according to the joint purchase activation condition, the joint purchase web server performs the joint purchase in the first step of loading the joint purchase key to the credit card of the client through the joint purchase key providing server. Set the key purchase activation information of the key to be active and download it to be loaded into the client's credit card, or the co-purchase web server sends the purchase purchase information to the credit card payment terminal or the joint in the second and third steps of the present invention. The purchase authentication server is delivered to recognize that the co-purchase is activated, or in the fourth step of the present invention, the co-purchase activity information is transmitted to the credit card payment server to recognize that the co-purchase is activated.

When the characteristics of the present invention as described above are classified according to the co-purchase key activation information confirmation subject, it can be classified as follows.

First of all, if the subject to check the co-purchase key activation information is a credit card payment terminal device, the co-purchase application step in which the client applies for co-purchase at the co-purchase web server on the wired / wireless internet, and the co-purchase web server generates the co-purchase information to A joint purchase information providing step of providing a purchase key providing server, a joint purchase key generation step of generating a joint purchase key (or data) based on the joint purchase information by the joint purchase key providing server, and the joint purchase key providing server A joint purchase key providing step of providing the generated joint purchase key (or data) to the credit card of the client, and the credit card having the joint purchase key mounted on the internet shopping mall on the wired / wireless internet or a store on the offline line. When purchasing the same product as the product purchased through the joint purchase through a credit card, Extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card in the payment terminal device, and checking whether the co-purchase key is activated through the web server in the credit card payment terminal device; And if the joint purchase key is activated as a result of checking whether the joint purchase key is activated, the credit card payment terminal device discounts the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. The payment is made.

Secondly, if the subject to confirm the joint purchase key activation information is the authentication server, the joint purchase application step in which the client applies for joint purchase from the joint purchase web server on the wired or wireless Internet, and the joint purchase web server generates the joint purchase information to joint purchase. A joint purchase information providing step of providing a key providing server, a joint purchase key generation step of generating a joint purchase key (or data) by the joint purchase key providing server based on the joint purchase information, and the joint purchase key providing server A joint purchase key providing step of providing the generated joint purchase key (or data) to the credit card of the client, wherein the client uses a credit card loaded with the joint purchase key in an internet shopping mall on a wired / wireless internet or a store on an offline store. When purchasing the same product as the product purchased through the joint purchase through the credit card Extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card, and providing the extracted co-purchase key to the authentication server located on a communication network in the credit card payment terminal device; Step, confirming whether the co-purchase key is activated through the web server in the authentication server, and if the co-purchase key is activated as a result of checking whether the co-purchase key is activated, the credit card payment terminal in the authentication server Providing the joint purchase discount information included in the joint purchase key or the joint purchase key to a device and paying by discounting the payment amount of the purchased product through the joint purchase key or the joint purchase discount information at the payment terminal device. It comprises a step.

Third, if the subject to check the co-purchase key activation information is a credit card payment server, the co-purchase request step where the client applies for co-purchase from the co-purchase web server on the wired and wireless Internet, the co-purchase web server generates the co-purchase information A joint purchase information providing step of providing a joint purchase key providing server, a joint purchase key generation step of generating a joint purchase key (or data) by the joint purchase key providing server based on the joint purchase information, and the joint purchase key providing server A joint purchase key providing step of providing the generated joint purchase key (or data) to the credit card of the client, the credit of which the client has loaded the joint purchase key in an internet shopping mall or an offline store on a wired / wireless internet. When purchasing the same product as the above joint purchase application through a card, Extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card at the payment terminal device; and extracting the co-purchase key extracted at the credit card payment terminal device together with payment approval request information. Providing to a payment server, after the credit card payment server responds to the payment approval request to the payment terminal device, checking whether the joint purchase key is activated through the web server and the joint purchase key If the check result of the activation of the co-purchase key is activated, the credit card payment server based on the co-purchase discount information included in the co-purchase key is discounted by the post payment process.

Fourth, when the co-purchase key activation information checking subject is the client, the co-purchase request step in which the client applies for co-purchase at the co-purchase web server on the wired / wireless internet, and the co-purchase web server generates the co-purchase information to generate the co-purchase key. The joint purchase information providing step of providing to the providing server, the joint purchase key generation step of generating a joint purchase key (or data) based on the joint purchase key providing server, the joint purchase key providing server, the generation Providing a joint purchase key (or data) to the credit card of the client, wherein the client uses a credit card loaded with the joint purchase key in an internet shopping mall or an offline store on a wired / wireless internet. The credit card when purchasing the same product as the joint purchase application Extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card in the terminal device, and checking whether the co-purchase key is activated through the client in the credit card payment terminal device; If the joint purchase key is activated as a result of the step and confirming whether the joint purchase key is activated, the credit card payment terminal device discounts the settlement amount of the purchased product through the joint purchase discount information included in the joint purchase key. It comprises a step.

In addition, the joint purchase key (or data) may include specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information that sells the joint purchase target product (or service), It should be noted that the delivery information of the joint purchase goods may be included.

In addition, when the joint purchase key is activated as a result of checking whether the joint purchase key is activated, the payment of the purchase product is made through the joint purchase discount information included in the joint purchase key in the credit card payment terminal device or the credit card payment server. In the step of payment (or settlement) by discounting the amount, the credit card payment terminal or credit card payment server specific credit card merchant (specific discount mart) information included in the joint purchase key and / or merchant group (franchise) Chain store) information and / or delivery address information of the joint purchase product to reduce the payment amount of the purchased product, characterized in that the payment (or settlement).

In addition, the step of discounting (or settlement) the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key in the credit card settlement terminal device or the credit card settlement server may be applied to the joint purchase key. A customer authentication step of confirming whether or not the customer has applied for a joint purchase of the payment product (or service) by matching the included joint purchase application client customer information and credit card user information and the target of the joint purchase included in the joint purchase key. The method may further include a joint purchase product authentication step of extracting product (or service) information and checking whether the product (or service) is a joint purchase target product (or service).

Hereinafter, the features of the present invention will be described in detail with reference to the accompanying drawings. However, the following drawings and descriptions are for representative methods among various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

In this embodiment, in order to effectively explain the features of the co-purchase using a credit card equipped with a co-purchase key proposed by the present invention, a client requests a co-purchase from a co-purchase web server on the Internet, and purchases a co-purchase product off-line. Through the process of purchasing and payment will be described in detail the features of the present invention.

However, as described above, the present invention is not limited to the case of the online co-purchase application and the offline purchase and settlement as in the following embodiment, and the present invention is not limited to the case of the online co-purchase application and the offline purchase and settlement and the online co-purchase application. This includes all co-purchasing methods such as online purchases and payments.

If the following embodiment is extended to the case of online purchase and payment after applying for the online joint purchase, the credit authorization terminal (CAT) and credit card payment information corresponding to the credit card payment terminal installed in the offline store are delivered. Value added networks (VANs), which are private networks, are installed in online shopping malls and extend to Internet credit card payment solutions and payment gateways (PGs) including shopping carts and credit card payment programs. If: Credit Card Payment Terminal == Internet Credit Card Payment Solution, VAN == PG]

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

The payment co-purchase system using the credit card 100 of FIG. 1 combines an existing online co-purchase system and an offline credit card payment system and mounts the co-purchase key on the combined system. And a joint purchase key providing server 105 for providing a joint purchase key, and a joint purchase authentication server 110.

The joint purchase web server 115 includes the functions of the joint purchase web server 115 which proceeds with the joint purchase promotion on the existing wired and wireless Internet, and extracts the joint purchase information from the joint purchase application information of the client 140. To generate and mount the co-purchase key to the credit card 100 of the client 140 through the co-purchase key providing server 105, and the credit card of the client 140 through the co-purchase key providing server 105 A function of storing and managing information on the joint purchase key mounted in the 100 in the joint purchase D / B, and generated by the joint purchase key providing server 105 in the first step of the present invention based on the joint purchase activation information. A function of setting the co-purchase activation information of a co-purchase key to be active or inactive, and the credit card payment stage in the second and third steps of the present invention based on the co-purchase activation information. The ability to transfer the co-purchase activation information to the device 135 and / or the co-purchase authentication server 110, and the co-purchase activation to the credit card payment server 130 in the fourth step of the present invention based on the co-purchase activation information. It provides a joint purchase website on the wired and wireless Internet with the function of transmitting information.

The joint purchase information provided by the joint purchase web server 115 to the joint purchase key providing server 105 according to the joint purchase request information of the client 140 is uniquely assigned by the joint purchase web server 115 to the joint purchase key. Unique information on the joint purchase corresponding to the number, the expiration date of the joint purchase at the start and end of the joint purchase, the product code corresponding to the joint purchase product information, and the discount amount for the joint purchase product corresponding to the joint purchase discount information. Or determining the activation / deactivation of the joint purchase activation information on the joint purchase key based on the customer information of the joint purchase application client 140 corresponding to the joint purchase customer information, and the joint purchase activation condition in the first step. At least one of the joint purchase activity information is characterized in that it is included.

The joint purchase specific information of the joint purchase information is a unique number or code assigned by the joint purchase web server 115 to distinguish each joint purchase product for each client 140. The unique information includes the number and the index number of the joint purchase client 140 applying for joint purchase of the corresponding product. Generally, the joint purchase unique number for a particular joint purchase product includes unique features that do not overlap on the settlement joint purchase system proposed by the present invention.

The joint purchase validity period of the joint purchase information is information including the date and time at which the settlement joint purchase is initiated and the date and time at which the joint purchase is terminated, and the conditions of the joint purchase activation within the validity period of the joint purchase. If this is not satisfactory, the co-purchase is canceled or the co-purchase discount amount or discount rate expressed as a function of the number of co-purchase request clients 140 and the number of payment customers in each case based on the co-purchase activation condition is determined. Apply.

The co-purchase product information of the co-purchase information is information about a product that the client 140 has applied for co-purchase through the co-purchase web server 115, and the credit card customer purchases the corresponding product at the store and requests for payment. The product information is generated from the card payment terminal device 135 and the point of sales terminal (POS) interworking with the credit card payment terminal device and is generated in the same structure as the product information delivered to the credit card payment terminal device 135. . For example, if the product requested for joint purchase is a product to which a barcode is applied as an industrial product, the joint purchase web server 115 uses barcode information of the product requested for joint purchase as the joint purchase product information and uses a credit card payment terminal device ( 135) Also, barcode information is used as purchase product information of a product purchased by a credit card customer through a POS or the like.

The joint purchase discount information of the joint purchase information is information on a discount amount or a discount rate applied to the joint purchase product when the joint purchase web server 115 obtains a predetermined number of joint purchase request customers. Information can be assumed to be numbers greater than 100 [explanatory note: don't discount 100 won or less, so in practice most software is conventionally programmed using the same method as above] or you can insert a symbol to specify monetary units. For discount rates, use a number less than 100 or insert a symbol to indicate a percentage (percentage,%).

The co-purchase customer information of the co-purchase information is information inserted by the co-purchase web server 115 to identify the co-purchased customer. A credit card customer purchases the product from the store and requests a payment. 100) The same information as the credit card 100 user information extracted from the information is used. For example, information such as a social security number or a driver's license number corresponding to non-overlapping personal information may be used as the joint purchase customer information.

The joint purchase activation information (the description of the joint purchase activation information in the first step) of the joint purchase information is included in the joint purchase key loaded on the credit card 100 of the client 140 according to the joint purchase activation condition in the first step. As the information for setting whether to activate or deactivate the joint purchase proposed by the present invention, if the joint purchase activation information is set as active in the joint purchase activation information of the joint purchase key, the corresponding credit card customer turns on the same product as the joint purchase request product. In the process of purchasing and paying at an offline store, the credit card payment terminal 135 may immediately purchase a discounted amount according to the joint purchase discount information. Of course, even when the joint purchase activation information is inactive and mounted on the joint purchase activation information of the joint purchase key, the joint purchase web server 115 displays the joint purchase activation information according to the joint purchase activation condition. 135) If the payment has been made or settled at a discounted amount through the second, third, or fourth steps of the co-purchase authentication server 110 or the credit card payment server 130, the discount is provided. Refunds correspond to the amount and / or the discount rate.

According to the present invention, when the client 140 accesses the joint purchase web server 115 through the wired or wireless Internet and applies for joint purchase, the joint purchase web server 115 receives the joint purchase product requested by the client 140. After generating at least one or more of joint purchase information including joint purchase unique information, joint purchase validity period, joint purchase product information, joint purchase discount information, joint purchase customer information, and joint purchase activation information for the above, The generated joint purchase information is transmitted to the joint purchase key providing server 105.

When the co-purchase key providing server 105 loads the co-purchase key to the credit card 100 of the client 140 through the above process, the co-purchase web server 115 shares the information on the co-purchase key. It is stored in the purchase D / B (120), and shared with the credit card payment terminal device 135, co-purchase authentication server 110 and / or credit card payment server 130 as needed.

In the process of providing the co-purchase using the co-purchase web server 115 using the credit card 100 equipped with the co-purchase key according to the present invention with respect to a particular co-purchase product, When the activation condition for payment co-purchase of the present invention is satisfied, the co-purchase web server 115 performs a credit card payment terminal device through the second, third, and / or fourth steps of the present invention through wired and wireless Internet. The co-purchase activation information is transmitted to the 135 and co-purchase authentication server 110 and / or credit card payment server 130.

The co-purchase activation information sets the co-purchase key providing server 105 to enable / disable the co-purchase activation information included in the co-purchase key in the first step, and the second, third and / or second steps. In step 4, the joint purchase is activated by the credit card payment terminal device 135, the joint purchase authentication server 110, and / or the credit card payment server 130, and the like. It applies to the purchase payment amount and / or settlement amount.

The joint purchase key providing server 105 may receive the joint purchase information described above from the joint purchase web server 115 and then include the joint purchase information on the credit card 100 of the client 140. It is a server on the wired / wireless internet which generates an applet type co-purchase key and downloads and mounts it to the credit card 100 of the client 140 through the wired / wireless internet.

According to the present invention, the co-purchase key providing server 105 combines the co-purchase information delivered from the co-purchase web server 115 and credit card 100 information including the credit card number of the client 140, etc., Generate a co-purchase key in the form of an applet that can be mounted on the credit card 100 of the client 140.

The co-purchase key generated in the form of an applet that can be loaded into the credit card 100 of the client 140 including the co-purchase information transmitted from the co-purchase web server 115 may be used to provide the credit card payment terminal 135. Conditions that can be extracted through the condition, the credit card payment terminal 135 can interpret the joint purchase information and credit card information mounted on the joint purchase key, the joint purchase authentication server through the credit card payment terminal 135 A condition that can be delivered to 110 is satisfied, and a condition that the joint purchase authentication server 110 can interpret the joint purchase information and the credit card information included in the joint purchase key and the like is satisfied.

When the joint purchase key is generated as described above, the joint purchase key providing server 105 downloads and mounts the joint purchase key to the wireless credit card through the wireless Internet, and installs the wired Internet, the smart card terminal, and the card acceptance device (CAD). It is characterized in that the joint purchase key to download and mount the smart card in the form of a credit card (100).

According to the present invention, the process of loading the co-purchase key by the co-purchase key providing server 105 to the credit card 100 includes a smart card standard for post-issuing applets with a smart card and a post-issuance method of each applet post-issuance system. It includes as is.

When the co-purchase key is loaded into the credit card 100 of the client 140 applying for the co-purchase through the above process, the co-purchase key providing server 105 provides information about the co-purchase key to the co-purchase web. Transfer to the server 115 and stores in the joint purchase D / B (120).

As described above, the credit card 100 is provided with a storage medium capable of reading, recording, and deleting a series of data and information, and is a credit payment card. The credit card 100 provides a joint purchase key provided by the joint purchase key providing server 105. By downloading in the form of a credit card 100 applet and mounting it on the credit card 100, the present invention includes a feature used as the credit card 100 equipped with the co-purchase key proposed in the present invention.

The credit card payment terminal 135 includes the functions of the existing offline credit card payment terminal 135 as it is, and outputs information such as a monitor screen by extracting information on a purchased product in connection with a point of sales terminal (POS). Co-purchase product authentication function that outputs a list of purchased goods through the device, and checks whether the co-purchase key corresponding to the purchased goods list is mounted on the credit card 100 of the credit card customer [credit card payment terminal device 135 ) Is a joint purchase product authentication, joint purchase authentication server 110 is a double purchase by the joint purchase customer authentication, etc.], extraction and analysis by extracting and analyzing the joint purchase key completed the joint purchase product authentication as described above from the credit card 100 The function of checking the activation / deactivation of the joint purchase activation information by interpreting the purchased joint purchase key, and whether the joint purchase is activated through the joint purchase key If it is not possible to check whether the joint purchase activation for the joint purchase product through the joint purchase activation information transmitted from the joint purchase web server 115 to the credit card payment terminal 135 for the joint purchase product If the joint purchase activation information transmitted to the credit card payment terminal device 135 cannot be confirmed whether the joint purchase product is activated or not, the joint purchase key is delivered to the joint purchase authentication server 110 to joint purchase. In the case of recognizing that the co-purchase is activated through the function of checking whether the co-purchase activity is activated or not, the credit card payment terminal device 135 checks the co-purchase discount information included in the co-purchase key. Apply the joint purchase discount policy to the payment amount of the purchased product and apply the joint purchase activation information of the joint purchase key. It is characterized in that it performs the role of the credit card payment terminal device 135 mounted in the offline store, such as the ability to set the active and deliver to the joint purchase authentication server 110.

According to the present invention, the credit card payment terminal 135 includes a function of a point of sales terminal (POS) to confirm that the co-purchase key for the purchased product is mounted on the credit card 100 of the credit card customer. Or a feature linked to a POS outside of the credit card payment terminal 135. That is, the credit card payment terminal 135 has a co-purchase key including the same co-purchase product information as the corresponding purchase product in the credit card 100 of the credit card customer based on the purchase product information obtained from the POS. If there is a co-purchase key that includes the same co-purchase product information as the purchased product, the co-purchase key is extracted from the credit card 100 and the co-purchase key is extracted together with the credit card payment information for payment of the purchased product. Transfer to the purchase authentication server (110).

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

Therefore, the method of transferring the co-purchase key mounted on the credit card 100 to the credit card payment terminal 135 includes the short range wireless communication standard and the smart card standard method.

The VAN includes the existing function of providing credit card payment information between the credit card payment terminal 135 and the credit card payment server 130 of the credit card company, and is reserved without being currently used in a credit card payment information transaction. A credit card payment terminal device through a reserved field, an additional field newly added to a credit card payment information transaction for implementation of the present invention, or a joint purchase key transaction independent of credit card payment information. A function of providing the co-purchase key extracted from the credit card 100 to the co-purchase authentication server 110 and the co-purchase activation information corresponding to the co-purchase key transferred from the co-purchase authentication server 110. Credit card payment information applied to the co-purchase discount policy from the credit card payment terminal 135, the credit card payment terminal 135 It is characterized in that the function provided to the card payment server 130, etc. has been added.

The co-purchase authentication server 110 is a credit included in the co-purchase customer information and credit card payment information included in the co-purchase key delivered from the credit card payment terminal device 135 in the process of payment by the credit card customer on-offline Co-purchase customer authentication function for credit card customers applying for co-purchase through the credit card user information extracted from the card 100 information [credit card payment terminal device 135 is a co-purchase product authentication, co-purchase authentication server 110 ) Is a server on the wired / wireless Internet that provides dual authentication by joint purchase customer authentication, etc., according to the characteristics and implementation method of the payment joint purchase system using the credit card 100 equipped with the joint purchase key proposed by the present invention. Mounted on the purchase web server 115 side, mounted on the credit card payment terminal 135 side, mounted on the VAN side, or credit card payment server It provides a feature that can be mounted on the (130) side. In the case of Figure 1 is characterized in that the joint purchase authentication server 110 is mounted on the VAN.

When the joint purchase key and the credit card payment information are transmitted from the credit card payment terminal device 135, the joint purchase authentication server 110 includes the joint purchase customer information included in the joint purchase key and credit card information included in the credit card payment information. After performing the joint purchase customer authentication through the credit card user information extracted from the user, and confirms that the joint purchase activation information of the corresponding joint purchase key is set to active.

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

On the other hand, if the joint purchase activation information included in the joint purchase key transmitted from the credit card payment terminal device 135 to the joint purchase web server 115 is set to inactive, the joint purchase web server 115 is the joint purchase web server. Check whether there is co-purchase activation information for the co-purchase received from the 115, or whether co-purchase is activated with the co-purchase web server 115, and include the result in the co-purchase key. Transfer to the payment terminal 135.

When the credit card payment terminal 135 checks whether the joint purchase activity is activated through the above process, the payment amount is discounted through the joint purchase discount information of the corresponding joint purchase key and the payment is processed through the credit card payment server 130.

Of course, even if the co-purchase is not activated through the above process, the credit card payment terminal 135 transmits the credit card payment information and the co-purchase key including the undiscounted payment amount to the credit card payment server 130. Request payment approval. At this time, the non-discounted payment amount is refunded after being discounted or pre-set at the settlement stage through the fourth stage.

The credit card payment server 130 is a series of servers that perform tasks such as credit card payment, approval, and settlement, including a payment approval server, a ledger server, a settlement server, or a billing server installed in a credit card company. As a generic term, the existing functions such as credit card payment and authorization and settlement are included as they are, and additionally, the joint purchase activation information included in the joint purchase key through the credit card payment terminal 135 and the joint purchase authentication server 110. If the co-purchase activity information is transmitted from the co-purchase web server 115 before the settlement of the corresponding payment amount, the co-purchase payment amount is set to inactive, and the co-purchase discount information is based on the co-purchase activity information. Settle the settlement amount by discount, and make the corresponding joint purchase with respect to the joint purchase settlement amount that was not discounted in the settlement process as described above. If the co-purchase activity information is delivered from the co-purchase web server 115 before the co-purchasing validity period included in the co-purchase period, refund the amount corresponding to the co-purchase discount information to the predetermined amount, or provide the royalties provided by the credit card company. Characterized in that provided in the form.

Table 1 is a configuration of the structure of the preferred co-purchase key generated by the co-purchase key providing server 105.

The joint purchase key may vary according to the joint purchase information provided by the joint purchase web server 115, the joint purchase key generation policy of the joint purchase key providing server 105, and the characteristics of the credit card storage medium on which the joint purchase key is mounted. And, Table 1 is for one preferred case of the configuration of the various types of co-purchase key as described above.

As described above, the joint purchase web server 115 is the joint purchase information on the joint purchase product requested by the client 140, and the joint purchase unique information, the joint purchase product information, the joint purchase discount information, the joint purchase customer information, and the like. On the basis of the joint purchase activation condition, the joint purchase information including whether the joint purchase is activated or inactivated is generated, and then transferred to the joint purchase key providing server 105.

When the joint purchase information is transmitted from the joint purchase web server 115 as described above, the joint purchase key providing server 105 joint purchases from the credit card issuer information of the credit card issuer on the client 140 and / or the wired or wireless Internet. Extract the credit card information to be loaded with the key.

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

The joint purchase unique information of the joint purchase information has a total size of 12 bytes, and consists of an 8-digit joint purchase unique code and a 4-character joint purchase index number. The 8-digit co-purchase unique code is a number and / or code assigned by the co-purchase web server 115 to distinguish each co-purchase and is represented by the letters A-Z and the numbers 0-9. The four joint purchase index numbers are numbers sequentially assigned to the joint purchase application client 140 applying for the corresponding joint purchase product, and may include up to 9999 joint purchase clients 140.

The joint purchase validity period of the joint purchase information is expressed as the total purchase start time of 12 bytes and the total purchase end time of the total purchase of 12 bytes, and each joint purchase validity period is expressed as year / month / day / hour / minute / second. . If the time before and after the commencement of the validity of the collective purchase validity has elapsed, the joint purchase with the credit card 100 equipped with the joint purchase key proposed by the present invention is not performed.

The joint purchase product information of the joint purchase information is 13 bytes in size and consists of a 13-digit barcode number. A barcode is an encoded label that uniquely indicates the type of product. If the barcode purchased by the joint purchase application client 140 and the barcode of a product purchased in a store on or offline of a credit card customer are the same, The payment joint purchase using the credit card 100 equipped with the joint purchase key proposed by the present invention is disclosed. The joint purchase product information is used by the credit card payment terminal device 135 to extract the joint purchase key from the client 140 of the credit card customer and to authenticate the joint purchase product.

The joint purchase discount information of the joint purchase information is a total size of 6 bytes, and is added through the joint purchase of the payment using the credit card 100 equipped with the joint purchase key proposed by the present invention in the amount of payment of the purchase product of the credit card customer. The amount to be discounted. You can display the discount amount up to 999999 won, the maximum amount represented by 6 digits.

The joint purchase customer information of the joint purchase information has a total size of 13 bytes, and confirms the joint purchase application client 140 through a 13-digit social security number, which is unique personal information about the joint purchase application client 140. The joint purchase customer information is used in the process of the joint purchase authentication server 110 authenticates the joint purchase customer.

The joint purchase activation information of the joint purchase information is a size of 1 byte in total, and based on the joint purchase activation condition, the joint purchase of the joint purchase product through the joint purchase using the credit card 100 equipped with the joint purchase key proposed by the present invention. Information for determining whether to discount the settlement amount or the settlement amount according to the joint purchase discount information. If the payment co-purchase of the present invention is deactivated and has a value of 0 (= FALSE), if it is activated, it has a non-zero value (= TRUE).

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

Table 1

Hereinafter, a method of performing payment joint purchase using a credit card 100 equipped with a joint purchase key according to the present invention will be described with reference to the accompanying flowchart and description. However, the following flowcharts and descriptions are the most basic of the various methods for properly describing the present invention, and the present invention is not limited only to the following drawings and descriptions.

This embodiment is based on the online co-purchase application and offline co-purchase payment described in Figure 1 in order to effectively explain the features of the payment co-purchase method using the credit card 100 equipped with a co-purchase key proposed by the present invention When the number of the joint purchase application clients 140 of the joint purchase web server 115 is equal to or greater than a predetermined level, the joint purchase activation condition is used.

However, the payment co-purchase method using the credit card 100 equipped with the co-purchase key proposed by the present invention may be applied to the online co-purchase application, the online co-purchase payment method, and the method for implementing the co-purchasing activation conditions in addition to the flow chart below. Accordingly, the present invention may be implemented through various types of joint purchase methods.

2 is a simple flowchart of a first step of the present invention for mounting a co-purchase key into the credit card 100 of a co-purchase application client 140.

When the client 140 accesses the co-purchase web server 115 and selects a co-purchase product and applies for a co-purchase payment using the credit card 100 loaded with the co-purchase key proposed by the present invention (200), The purchase web server 115 checks the co-purchase activation condition to check whether the payment co-purchase using the credit card 100 equipped with the co-purchase key is activated / deactivated (205).

If the joint purchase is activated using the credit card 100 on which the joint purchase key is installed based on the joint purchase activation condition (210), the joint purchase web server 115 displays the joint purchase unique information, the joint purchase validity period, Server for providing a joint purchase key by setting the joint purchase activation information to be active for the joint purchase information including at least one of information such as the joint purchase product information, the joint purchase discount information, the joint purchase customer information, and the joint purchase activation information. Forward to 105 (215).

On the other hand, if the co-purchase using the credit card 100 on which the co-purchase key is installed is not activated based on the co-purchase activation condition (220), the co-purchase web server 115 displays the co-purchase unique information and the validity of the co-purchase. Providing a joint purchase key by setting the joint purchase activation information to be inactive for the joint purchase information including at least one of information such as product purchase information, joint purchase discount information, joint purchase customer information, and joint purchase activation information. Forward to server 105 (225).

When the joint purchase information is delivered to the joint purchase key providing server 105 through the above process, the joint purchase key providing server 105 receives a credit to which the joint purchase key including the joint purchase information is loaded from the client 140. Card 100 information is input (230). If the process is performed only for a specific credit card 100 issued by a specific credit card company, the co-purchase key providing server 105 uses the co-purchase customer information of the co-purchase information to provide credit card user D / It is also possible to automatically extract credit card information issued to the joint purchase client 140 by accessing B.

When the credit card information to be loaded with the joint purchase key is input, the joint purchase key providing server 105 jointly purchases the credit card 100 corresponding to the credit card 100 information input through a credit card issuing agency on the wired or wireless Internet. It is checked whether the key can be mounted (235). According to the present invention, the credit card 100 provides a feature of reading, recording, and deleting a series of data and information so that the co-purchase key can be mounted, and the co-purchase key providing server 105 issues a credit card. An access code for the storage area of the credit card 100 must be given by an institution.

If the credit card 100 to be equipped with a joint purchase key provides a feature that can store the joint purchase key as suggested by the present invention, the joint purchase key providing server 105 from the credit card issuing authority If the access code for 100 is received (240), the joint purchase key providing server can be mounted on the credit card 100 as shown in Table 1 through the joint purchase information transmitted from the joint purchase web server 115. An applet type co-purchase key is generated (245).

On the other hand, if there is no possibility of mounting the joint purchase key for the credit card 100 to mount the joint purchase key (250), the joint purchase web server 115 generates and mounts the joint purchase key with the credit card 100. To exit.

After generating the applet-type co-purchase key that can be loaded into the credit card 100 through the above process, the co-purchase key providing server 105 receives the co-purchase key through the wired / wireless internet to the credit card 100. Issue and mount (255). For example, if the credit card 100 of the client 140 is a wireless credit card such as one-chip and dual-chip wireless credit card, memory wireless card, slot wireless card, etc. 105 is a post-issuance of the co-purchase key to a wireless credit card via the wireless Internet, if the credit card 100 of the client 140 is a smart card type credit card equipped with an IC chip, the co-purchase key Providing server 105 is a post-issuance of the co-purchase key to the credit card 100 via the smart card terminal and CAD connected to the client 140 and mounted.

When the joint purchase key providing server 105 generates and mounts the joint purchase key with the credit card 100 of the joint purchase application client 140, the joint purchase key providing server transmits the corresponding joint purchase key information to the joint purchase web server ( In step 260, it is stored in the joint purchase D / B.

3 is a simple flowchart of a second step of the present invention in which the co-purchase web server 115 delivers co-purchase activation information to each component of the payment co-purchase system.

Unlike most existing co-purchase promotions through co-purchase web server 115 at the same time as co-purchase commencement, credit with co-purchase key that does not directly co-purchase in co-purchase web server 115 The payment co-purchase of the present invention using the card 100 may proceed with the payment co-purchase promotion through the co-purchase web server 115 before the co-purchase commences.

Therefore, the joint purchase web server 115 extracts the joint purchase key information from the joint purchase D / B which stores the joint purchase key information mounted as the joint purchase request client 140 through the joint purchase key providing server 105. And, by checking the co-purchase validity period of the co-purchase key, it is confirmed whether or not the co-purchase for the payment co-purchase is initiated (300), the process is the present invention for the promoted co-purchase The process is repeated until the payment co-purchase using the credit card 100 loaded with the proposed co-purchase key is started.

If it is confirmed in the above process that the co-purchase of the payment co-purchase stored in the co-purchase D / B (120) has been started (305), the co-purchase web server 115 by checking the expiration date of the co-purchase, It is checked whether the payment joint purchase is completed after the expiration date (310).

If the expiration date for the corresponding payment co-purchase has expired and the payment co-purchase using the credit card 100 equipped with the co-purchase key proposed by the present invention is terminated (315), the co-purchase web server 115 performs the co-purchase. The co-purchase key information is deleted from the D / B 120, and the third step of the present invention is terminated.

On the other hand, if the validity period for the payment co-purchase has not elapsed (320), the co-purchase web server 115 checks whether the corresponding co-purchase is satisfied based on the co-purchase activation information (325).

If the joint purchase activation condition for the payment joint purchase is not satisfied (330), the joint purchase web server 115 checks whether the joint purchase activation condition is satisfied until the joint purchase validity period has elapsed for the joint purchase key information. The process of checking is repeated (335).

On the other hand, if the co-purchase activation condition for the payment co-purchase is satisfied (340), the co-purchase web server 115 provides the co-purchase activation information for the corresponding co-purchase key credit card payment terminal device 135, co-purchase authentication server By forwarding to each component of the payment co-purchasing system including the 110 and / or credit card payment server 130, etc., wherein each component of the payment co-purchasing system is co-purchased by the credit card customer In the process of purchasing, paying and paying the transaction, the joint purchase discount policy corresponding to the corresponding joint purchase discount information is applied.

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

A credit card customer having a credit card 100 provided with a joint purchase key provided by the joint purchase key providing server 105 may purchase the same product as the corresponding joint purchase request product at an online or offline store where he or she can purchase at the cheapest price. When the product is purchased and a payment request is made through the credit card 100 on which the co-purchase key is mounted as described above (400), the credit card payment terminal device 135 purchases information of the corresponding credit card customer from the POS or the like. Extract (405) and output the list of purchased goods on the screen of the credit card settlement terminal 135;

When the list of purchases of the credit card customers is output to the credit card payment terminal device 135, the credit card payment terminal device 135 automatically or through a confirmation process of the credit card customer, the purchase that the credit card customer purchases and requests for payment Check whether the joint purchase key for the product is mounted on the credit card 100 for which payment is requested (410).

According to the present invention, the process of checking whether the credit card payment terminal device 135 is equipped with the co-purchase key corresponding to the list of purchased goods delivered from the POS is installed on the credit card 100 of the credit card customer. Included in the product certification process.

If the payment request credit card 100 is not equipped with the co-purchase key corresponding to the purchase product list (415), the credit card 100, the payment terminal 135 is equipped with the co-purchase key proposed by the present invention The payment processing process for the payment co-purchase using the credit card 100 is terminated, and the credit card payment server 130 is generated through the VAN by generating a full credit card payment request including the payment amount according to the existing credit card payment processing method. To pass).

On the other hand, if the co-purchase key corresponding to the list of purchased products is mounted on the credit card 100 requested for payment (420), the credit card payment terminal 135 is the same co-purchase product purchased from the credit card 100 The joint purchase key including the information is extracted (425).

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

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

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

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

When the joint purchase key and / or credit card payment information is transferred to the joint purchase authentication server 110 through the above process, the joint purchase authentication server 110 may perform the second step of the present invention from the joint purchase web server 115. Check whether there is co-purchase activity information corresponding to the co-purchase key.

If the joint purchase activation information corresponding to the joint purchase key transmitted from the credit card payment terminal 135 does not exist in the joint purchase authentication server 110 (445), the joint purchase authentication server 110 is a credit card payment terminal. The payment of the co-purchase using the co-purchase key to the device 135 returns the co-purchase key, to which the co-purchase activation information is set to inactive, together with an error message (450). In addition, the credit card payment terminal 135 confirms the returned joint purchase key with the joint purchase activation information still set to inactive, and includes the joint purchase key with the joint purchase activation information set to inactive and a non-discounted payment amount. The credit card payment information is transferred to the credit card payment server 130 to request a payment (455). When the payment approval information is received from the credit card payment server 130, the credit card payment terminal device 135 transmits the credit card. Receipt printout for payment and provide to credit card customers. In this process, the payment co-purchase equipped with the co-purchase key proposed by the present invention for the corresponding purchased product is reserved for a discount through the fourth step.

On the other hand, if the joint purchase activation information corresponding to the joint purchase key transmitted from the credit card payment terminal 135 is present in the joint purchase authentication server 110 (460), the joint purchase authentication server 110 is a credit card payment terminal device The co-purchase activation information of the co-purchase key received from 135 is set to active and returned to the credit card payment terminal 135 (465).

As described above, the credit card payment terminal device 135, which has received the joint purchase key with the joint purchase activation information set to active from the joint purchase authentication server 110, extracts the joint purchase discount information included in the joint purchase key and settles the payment amount. Discounts.

When the payment amount for the purchased product from the credit card payment terminal device 135 is discounted by the amount corresponding to the co-purchase discount information through the above process, the credit card payment terminal device 135 is set to the active purchase information Credit card payment information including the joint purchase key and the discounted payment amount is transferred to the joint purchase authentication server 110 (460).

When the credit card payment information including the activated joint purchase key and the discounted payment amount is transferred from the credit card payment terminal device 135 to the joint purchase authentication server 110, the joint purchase authentication server 110 receives the credit card payment information. Credit card information is extracted from the credit card information, and corresponding credit card user information is extracted through a credit card issuing agency on the wired / wireless Internet through the credit card information (465).

When the credit card user information is extracted from the credit card payment information as described above, the co-purchase authentication server 110 through the co-purchase customer information included in the co-purchase key and the co-purchase customer and credit card payment customers The authentication process is performed (470).

If the co-purchase customer authentication fails in the process (475), the co-purchase authentication server 110 terminates the co-purchase using the co-purchase key.

On the other hand, if the authentication for the joint purchase customer is successful in the process (480), the joint purchase authentication server 110 includes the payment amount discounted by the joint purchase key and the joint purchase discount information is set to the active joint purchase information The credit card payment information is transmitted to the credit card payment server 130 (485) and the payment request (490), and when the payment approval information is received from the credit card payment server 130, the credit card payment terminal 135 is The receipt for the credit card payment is output and provided to the credit card customer.

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

The co-purchase key and the credit card payment information are transferred from the credit card payment terminal device 135 to the credit card payment server 130 via the co-purchase authentication server 110 to approve payment of the payment amount included in the credit card payment information. If requested 500 credit card payment server 130 checks the validity of the payment authorization according to the given order and event.

If the validity of the credit card payment information is not confirmed in the above process (505), the credit card payment server 130 generates a payment error code through the merchant information of the credit card payment information to the corresponding credit card terminal 135 Transfer to and ends the payment approval process (510).

On the other hand, if the validity of the credit card payment information is confirmed in the above process (515), the credit card payment server 130 generates payment authorization information through the merchant information of the credit card payment information to the corresponding credit card terminal device (135) Deliver (520).

When the credit card payment server 130 transfers the payment approval information to the credit card terminal device 135 through the above process, the credit card payment server 130 transmits the joint purchase key together with the credit card payment information. Check whether the co-purchase activation information included in the set is active (525).

If the joint purchase activation information included in the joint purchase key is set to be active (530), the payment amount included in the credit card payment information will be discounted to the joint purchase discount price through the credit card payment terminal 135. . Therefore, the credit card payment server 130 transmits the co-purchase key to the co-purchase web server 115, and deletes the co-purchase key from the credit card payment server 130, thereby providing a co-purchase key. The payment joint purchase using the mounted credit card 100 is normally terminated.

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

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

If the corresponding joint purchase validity period has elapsed while storing and waiting for the joint purchase key until the joint purchase validity period as described above (535), the credit card payment server 130 performs the joint purchase web server 115 through the second step. Check whether there is co-purchase activity information received from 540.

If the co-purchase activity information is not transmitted from the co-purchase web server 115 even after the expiration date of the co-purchase (545), the corresponding co-purchase using the credit card 100 loaded with the co-purchase key proposed by the present invention. Is canceled at the co-purchase web server 115. In this case, the credit card 100 payment server 130 deletes the stored co-purchase key and ends the discount process for the co-purchase payment amount using the credit card 100 loaded with the co-purchase key.

On the other hand, if the active purchase information has been delivered from the co-purchase web server 115 and stored in the credit card payment server 130 before or after the validity of the co-purchase period, the credit card payment server 130 performs the co-purchase. The joint purchase activation information of the key is set to be active, the joint purchase discount information is extracted from the joint purchase key, and the settlement amount is discounted and settled at the joint purchase discount price (550).

When the payment and settlement for the joint purchase using the credit card 100 equipped with the joint purchase key proposed by the present invention through the above process is normally performed, the credit card payment server 130 is the joint purchase key to the joint purchase web Delivered to the server 115 (555), the credit card payment server 130 by deleting the corresponding co-purchase key, the payment co-purchase using the credit card 100 equipped with the co-purchase key proposed by the present invention normally terminated (560).

According to the present invention, the co-purchase information promoted on the wired / wireless Internet is mounted on a credit card so that the product can be purchased at the discounted co-purchase price when paying with the credit card during the purchase and settlement of the product on and offline. It is effective to implement the joint purchase, which was made only online, even offline, and overcomes the problem of limiting the range of purchase selection for the joint purchase product to the joint purchase web server that performs the corresponding joint purchase promotion. The client can select a place to apply for purchase and a place to purchase and pay for the joint purchase product. Also, since the purchase price or discount rate is determined based on the joint purchase applicant, the joint purchase through the existing wired / wireless Internet is determined. The applicant co-operates because of remorse or other reasons. In the case of canceling a purchase application, the co-purchase web server has a problem in that it is not able to properly handle the co-purchase, which is characterized by a mass discount according to mass sales, but the present invention is a co-purchase applicant as well as a co-purchase payer. As the purchase process is processed, the co-purchase applicant's problem of canceling the co-purchase is overcome. Also, the co-purchase through the existing wired / wireless Internet includes the problems of other Internet shopping mall purchases, that is, the purchase of the purchased product before delivery. Although it takes several days and does not directly check and purchase the product, if the product is unsatisfactory or defective, the return or refund process is complicated and takes a lot of time. To apply for co-purchase and make purchases at local stores As such, there is an advantage that allows to solve the problem as described above.

Claims (144)

A joint purchase application step of the client applying for a joint purchase from the joint purchase web server on the wired or wireless Internet; A joint purchase information providing step of generating the joint purchase information by the joint purchase web server and providing the joint purchase key providing server; A joint purchase key generation step of the joint purchase key providing server generating a joint purchase key (or data) based on the joint purchase information; A joint purchase key providing step of the joint purchase key providing server providing the generated joint purchase key (or data) to the credit card of the client; When the client purchases the same product as the product requested for the joint purchase through a credit card loaded with the co-purchase key in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device Extracting the onboard purchase key (or provided from the credit card); Confirming, by the credit card payment terminal device, whether the joint purchase key is activated through the web server; And When the joint purchase key is activated as a result of confirming whether the joint purchase key is activated, discounting the settlement amount of the purchased product through the joint purchase discount information included in the joint purchase key in the credit card payment terminal device; Joint purchase payment method using a credit card equipped with a joint purchase key comprising a. The method of claim 1, When the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) provides activation information of the joint purchase key (or data) to a credit card payment terminal device. The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it further comprises a step. The method of claim 1, If the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) providing the client with activation information of the joint purchase key (or data). The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises a. 4. The method of claim 3, wherein the web server (or co-purchase key providing server) provides activation information of the co-purchase key (or data) to the client. A wireless messaging method comprising at least one of a short message service (SMS), an enhanced message service (EMS), and a multimedia messaging service (MMS) to a client applying for the joint purchase, A method of making a joint purchase payment using a credit card equipped with a joint purchase key, characterized in that the joint purchase is activated through all types of wired and wireless messaging including a wired messaging method including at least one e-mail or an instant messenger. The method of claim 1, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase key by the web server, the joint purchase validity period corresponding to the start and end times of the joint purchase, the product code corresponding to the joint purchase product information, and the joint purchase The joint purchase key comprising at least one discount amount or a discount rate for the joint purchase product corresponding to the discount information, the customer information of the joint purchase request client corresponding to the joint purchase customer information, and the joint purchase activity information. How to make a purchase with a credit card. The method of claim 5, wherein the joint purchase unique information, A total purchase size of 12 bytes, comprising a 8-digit code, unique purchase code and the code number of the four purchases, the joint purchase payment method using a credit card with a joint purchase key. The method of claim 6, wherein the 8-digit code purchase unique code, Co-purchase payment using a credit card equipped with a co-purchase key, which is a number and / or code assigned by the web server to distinguish each co-purchase, represented by the alphabet of AZ and numbers 0-9. Way. The method of claim 6, wherein the four co-purchase index number, A joint purchase payment method using a credit card equipped with a joint purchase key as a number sequentially assigned to a joint purchase application client applying for the joint purchase product, the joint purchase client having a maximum of 9999. The method of claim 5, wherein the joint purchase validity period, A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that expressed as a total purchase start time of a total of 12 bytes and a joint purchase end time of a total of 12 bytes. The method of claim 5, wherein the joint purchase validity period, Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the year / month / day / hour / minute / second. The method of claim 5, wherein the joint purchase product information, 13-byte total size, consisting of a 13-digit bar code number characterized in that the joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 5, wherein the joint purchase discount information, The total purchase size of 6 bytes, the amount of credit card customers, the purchase price of the product purchased by the co-purchase key, characterized in that for displaying the additional information discounted through the co-purchase key. The method of claim 5, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that displayed as a 13-digit social security number, which is unique personal information for the joint purchase request client. The method of claim 5, wherein the credit card information, 16-byte size, the co-purchase payment method using a credit card with a co-purchase key, characterized in that the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase key is mounted. The method of claim 5, wherein the joint purchase unique information, A unique number or code assigned by the web server to distinguish each joint purchase product for each client, the code number for the joint purchase request product and the index of the joint purchase client applying for the joint purchase of the corresponding product. Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises a number. The method of claim 5, wherein the co-purchase activity information, Information on whether a client applying for a joint purchase to the web server has reached a joint purchase threshold; Information on whether the number of credit card customers who purchased the same goods as the co-purchase goods and paid through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold value; Information on whether the number of co-purchase application clients for a specific credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; Information on whether the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal device mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; Information on whether the number of co-purchased clients having the same or within a predetermined range of co-purchased goods among the clients who have co-purchased a specific internet shopping mall and home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server Reaching information whether or not; at least one or more co-purchase payment method using a credit card equipped with a co-purchase key. The method of claim 1, wherein the credit card, One chip and / or dual chip type wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises at least one or more payment means (or credit card) of the smart card type. The method of claim 1 or 17, wherein the credit card, A co-purchase payment method using a credit card equipped with a co-purchase key, comprising a processor for reading, recording and deleting a series of data and information. The method of claim 1, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises the form of an applet. The method of claim 1, wherein the co-purchase key (or data), A product code indicating a product (or service) to be jointly purchased, a discount amount or a discount rate for the joint purchase product, client customer information applying for the joint purchase, and client owned credit card information including the joint purchase key; Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises one or more. The method of claim 1, wherein the co-purchase key (or data), Joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that consisting of a credit card number system. The method of claim 1, wherein the co-purchase key (or data), The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the joint purchase activation information is included as active or inactive. The method of claim 1, wherein the co-purchase key (or data), Joint credit using a credit card equipped with a joint purchase key, characterized in that it comprises a specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information for selling the joint purchase target product (or service) Purchase payment method. The method of claim 1, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the delivery information of the co-purchase product. The joint purchase discount information included in the joint purchase key of the credit card payment terminal device when the joint purchase key is activated as a result of confirming whether the joint purchase key is activated. In the step of paying by discounting the payment amount of the purchased goods through, The credit card payment terminal device checks specific credit card affiliate store (specific discount mart) information and / or affiliate group group (franchise chain store) information and / or shipping address information of the co-purchase product included in the co-purchase key. A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the payment is made at a discounted payment amount. The method of claim 1, wherein the co-purchase key (or data) generation step, The product code for the joint purchase target product (or service) and the client customer information applying for the joint purchase from the web server selling the joint purchase target product (or service) and the discount amount or discount rate (or discount policy) according to the joint purchase. And receiving at least one or more client-owned credit card information carrying the joint purchase key to generate the joint purchase key (or data). The method of claim 1, wherein the co-purchase key (or data) generation step, And storing the generated joint purchase key (or data) in a predetermined database. The method of claim 1, wherein the co-purchase key (or data) providing step, When the client credit card (or payment means) is a wireless credit card (or payment means), the client credit card (or payment means) is provided through a wireless communication network, or the client credit card (or payment means) is IC (Integrated). In the case of a smart card type credit card (or payment means) equipped with a chip, the credit card equipped with a joint purchase key is provided to the client credit card (or payment means) through a wired communication network. Collective payment method. The method of claim 1, further comprising: extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card in the credit card payment terminal device. When the client credit card (or payment means) is a wireless payment means, the co-purchase key (or data) is provided to a payment terminal device through short-range wireless data communication. Collective payment method. The method of claim 29, wherein the short-range wireless data communication, A co-purchase payment method using a credit card equipped with a co-purchase key, comprising at least one of infrared data communication, RF (Radio Frequency) data communication, and Bluetooth (Bluetooth) data communication. The method of claim 1, wherein in the credit card payment terminal device, the payment is performed by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. And a customer authentication step of confirming whether the customer has applied for a joint purchase for the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase key. The joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 1, wherein in the credit card payment terminal device, the payment is performed by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. And extracting the joint purchase target product (or service) information included in the joint purchase key to verify whether the product (or service) is a joint purchase target product (or service). A joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 1, wherein when the co-purchase key is activated, When the client applying for the joint purchase to the web server reaches the joint purchase threshold; When the number of credit card customers who purchase the same goods as the co-purchase goods and pay through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold; When the number of co-purchase clients targeting a particular credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; When the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; When the number of co-purchase request clients having the same or within a predetermined range of the co-purchase product among the clients who co-purchase the specific Internet shopping mall and the home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server When reaching; The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises at least one. The method of claim 1, wherein the joint purchase discount information, Joint purchase using a credit card equipped with a joint purchase key, characterized in that consisting of information for discounting the amount of payment included in the credit card payment information on the basis of the discount amount or the discount of the joint purchase information included in the joint purchase key Payment Method. A joint purchase application step of the client applying for a joint purchase from the joint purchase web server on the wired or wireless Internet; A joint purchase information providing step of generating the joint purchase information by the joint purchase web server and providing the joint purchase key providing server; A joint purchase key generation step of the joint purchase key providing server generating a joint purchase key (or data) based on the joint purchase information; A joint purchase key providing step of the joint purchase key providing server providing the generated joint purchase key (or data) to the credit card of the client; When the client purchases the same product as the product requested for the joint purchase through a credit card loaded with the co-purchase key in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device Extracting the onboard purchase key (or provided from the credit card); Providing the extracted joint purchase key to an authentication server located on a communication network by the credit card payment terminal; Confirming whether the common purchase key is activated through the web server in the authentication server; When the joint purchase key is activated as a result of checking whether the joint purchase key is activated, providing the joint purchase key or the joint purchase discount information included in the joint purchase key to the credit card payment terminal device from the authentication server; And And discounting and paying a settlement amount of the purchased product through the joint purchase key or the joint purchase discount information in the payment terminal device. The joint purchase settlement method using the credit card loaded with the joint purchase key. The method of claim 35, wherein When the generated joint purchase key (or data) satisfies an activation condition, providing the activation information of the joint purchase key (or data) to the authentication server by the web server (or joint purchase key providing server). The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it further comprises. The method of claim 35, wherein If the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) providing the client with activation information of the joint purchase key (or data). The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises a. 38. The method of claim 37, wherein the web server (or co-purchase key providing server) provides activation information of the co-purchase key (or data) to the client. A wireless messaging method comprising at least one of a short message service (SMS), an enhanced message service (EMS), and a multimedia messaging service (MMS) to a client applying for the joint purchase, A method of making a joint purchase payment using a credit card equipped with a joint purchase key, characterized in that the joint purchase is activated through all types of wired and wireless messaging including a wired messaging method including at least one e-mail or an instant messenger. The method of claim 35, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase key by the web server, the joint purchase validity period corresponding to the start and end times of the joint purchase, the product code corresponding to the joint purchase product information, and the joint purchase The joint purchase key comprising at least one discount amount or a discount rate for the joint purchase product corresponding to the discount information, the customer information of the joint purchase request client corresponding to the joint purchase customer information, and the joint purchase activity information. How to make a purchase with a credit card. The method of claim 39, wherein the joint purchase unique information, A total purchase size of 12 bytes, comprising a 8-digit code, unique purchase code and the code number of the four purchases, the joint purchase payment method using a credit card with a joint purchase key. 41. The method of claim 40, wherein the 8 digit co-purchase unique code, Co-purchase payment using a credit card equipped with a co-purchase key, which is a number and / or code assigned by the web server to distinguish each co-purchase, represented by the alphabet of AZ and numbers 0-9. Way. 41. The method of claim 40, wherein the four co-purchase index number, A joint purchase payment method using a credit card equipped with a joint purchase key as a number sequentially assigned to a joint purchase application client applying for the joint purchase product, the joint purchase client having a maximum of 9999. The method of claim 39, wherein the joint purchase validity period, A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that expressed as a total purchase start time of a total of 12 bytes and a joint purchase end time of a total of 12 bytes. The method of claim 39, wherein the joint purchase validity period, Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the year / month / day / hour / minute / second. The method of claim 39, wherein the joint purchase product information, 13-byte total size, consisting of a 13-digit bar code number characterized in that the joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 39, wherein the joint purchase discount information, The total purchase size of 6 bytes, the amount of credit card customers, the purchase price of the product purchased by the co-purchase key, characterized in that for displaying the additional information discounted through the co-purchase key. The method of claim 39, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that displayed as a 13-digit social security number, which is unique personal information for the joint purchase request client. The method of claim 39, wherein the credit card information, 16-byte size, the co-purchase payment method using a credit card with a co-purchase key, characterized in that the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase key is mounted. The method of claim 39, wherein the joint purchase unique information, A unique number or code assigned by the web server to distinguish each joint purchase product for each client, the code number of the joint purchase request product and the index of the joint purchase client applying for the joint purchase of the corresponding product. Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises a number. The method of claim 39, wherein the co-purchase activity information, Information on whether a client applying for a joint purchase to the web server has reached a joint purchase threshold; Information on whether the number of credit card customers who purchased the same goods as the co-purchase goods and paid through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold value; Information on whether the number of co-purchase application clients for a specific credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; Information on whether the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal device mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; Information on whether the number of co-purchased clients having the same or within a predetermined range of co-purchased goods among the clients who have co-purchased a specific internet shopping mall and home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server Reaching information whether or not; at least one or more co-purchase payment method using a credit card equipped with a co-purchase key. The method of claim 35, wherein the credit card, One chip and / or dual chip type wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises at least one or more payment means (or credit card) of the smart card type. 52. The credit card of claim 35 or 51, wherein the credit card includes: A co-purchase payment method using a credit card equipped with a co-purchase key, comprising a processor for reading, recording and deleting a series of data and information. The method of claim 35, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises the form of an applet. The method of claim 35, wherein the co-purchase key (or data), A product code indicating a product (or service) to be jointly purchased, a discount amount or a discount rate for the joint purchase product, client customer information applying for the joint purchase, and client owned credit card information including the joint purchase key; Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises one or more. The method of claim 35, wherein the co-purchase key (or data), Joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that consisting of a credit card number system. The method of claim 35, wherein the co-purchase key (or data), The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the joint purchase activation information is included as active or inactive. The method of claim 35, wherein the co-purchase key (or data), Joint credit using a credit card equipped with a joint purchase key, characterized in that it comprises a specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information for selling the joint purchase target product (or service) Purchase payment method. The method of claim 35, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the delivery information of the co-purchase product. 59. The method of claim 35, 57 or 58, wherein the credit card payment terminal apparatus performs the payment by discounting the payment amount of the purchased product. In the credit card payment terminal device, specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information included in the joint purchase key or the joint purchase discount information and / or delivery address information of the joint purchase product Co-purchase payment method using a credit card equipped with a co-purchase key characterized in that the payment by checking the discounted amount of the purchased goods. 36. The method of claim 35, wherein the co-purchase key (or data) generation step, The product code for the joint purchase target product (or service) and the client customer information applying for the joint purchase from the web server selling the joint purchase target product (or service) and the discount amount or discount rate (or discount policy) according to the joint purchase. And receiving at least one or more client-owned credit card information carrying the joint purchase key to generate the joint purchase key (or data). 36. The method of claim 35, wherein the co-purchase key (or data) generation step, And storing the generated joint purchase key (or data) in a predetermined database. 36. The method of claim 35, wherein the co-purchase key (or data) providing step, When the client credit card (or payment means) is a wireless credit card (or payment means), the client credit card (or payment means) is provided through a wireless communication network, or the client credit card (or payment means) is IC (Integrated). In the case of a smart card type credit card (or payment means) equipped with a chip, the credit card equipped with a joint purchase key is provided to the client credit card (or payment means) through a wired communication network. Collective payment method. 36. The method of claim 35, further comprising: extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card in the credit card payment terminal device; When the client credit card (or payment means) is a wireless payment means, the co-purchase key (or data) is provided to a payment terminal device through short-range wireless data communication. Collective payment method. The method of claim 63, wherein the short-range wireless data communication, A co-purchase payment method using a credit card equipped with a co-purchase key, comprising at least one of infrared data communication, RF (Radio Frequency) data communication, and Bluetooth (Bluetooth) data communication. 36. The method of claim 35, wherein in the credit card payment terminal device, the payment is performed by discounting the payment amount of the purchase product through the joint purchase discount information included in the joint purchase key or the joint purchase key. And a customer authentication step of confirming whether the customer has applied for a joint purchase for the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase key. The joint purchase payment method using a credit card equipped with a joint purchase key. 36. The method of claim 35, wherein in the credit card payment terminal device, the payment is performed by discounting the payment amount of the purchase product through the joint purchase discount information included in the joint purchase key or the joint purchase key. And extracting the joint purchase target product (or service) information included in the joint purchase key to verify whether the product (or service) is a joint purchase target product (or service). A joint purchase payment method using a credit card equipped with a joint purchase key. 36. The method of claim 35, wherein when the co-purchase key is activated, When the client applying for the joint purchase to the web server reaches the joint purchase threshold; When the number of credit card customers who purchase the same goods as the co-purchase goods and pay through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold; When the number of co-purchase clients targeting a particular credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; When the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; When the number of co-purchase request clients having the same or within a predetermined range of the co-purchase product among the clients who co-purchase the specific Internet shopping mall and the home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server When reaching; The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises at least one. The method of claim 35, wherein the joint purchase discount information, Joint purchase using a credit card equipped with a joint purchase key, characterized in that consisting of information for discounting the amount of payment included in the credit card payment information on the basis of the discount amount or the discount of the joint purchase information included in the joint purchase key Payment Method. A joint purchase application step of the client applying for a joint purchase from the joint purchase web server on the wired or wireless Internet; A joint purchase information providing step of generating the joint purchase information by the joint purchase web server and providing the joint purchase key providing server; A joint purchase key generation step of the joint purchase key providing server generating a joint purchase key (or data) based on the joint purchase information; A joint purchase key providing step of the joint purchase key providing server providing the generated joint purchase key (or data) to the credit card of the client; When the client purchases the same product as the product requested for the joint purchase through a credit card loaded with the co-purchase key in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device Extracting the onboard purchase key (or provided from the credit card); Providing, by the credit card payment terminal device, the extracted joint purchase key to a credit card payment server together with payment approval request information; After the credit card payment server responds to the payment approval request to the payment terminal device, checking whether the joint purchase key is activated through the web server; And When the joint purchase key is activated as a result of checking whether the joint purchase key is activated, discounting the payment amount based on the joint purchase discount information included in the joint purchase key in the credit card settlement server; Co-purchase payment method using a credit card equipped with a co-purchase key made. The method of claim 69, When the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) provides activation information of the joint purchase key (or data) to the credit card settlement server. The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it further comprises a step. The method of claim 69, If the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) providing the client with activation information of the joint purchase key (or data). The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises a. 72. The method of claim 71, wherein the web server (or co-purchase key providing server) provides activation information of the co-purchase key (or data) to the client. A wireless messaging method comprising at least one Short Message Service (SMS), Enhanced Message Service (EMS), and Multimedia Messaging Service (MMS) to a client applying for the joint purchase; A method of making a joint purchase payment using a credit card equipped with a joint purchase key, characterized in that the joint purchase is activated through all types of wired and wireless messaging including a wired messaging method including at least one e-mail or an instant messenger. The method of claim 69, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase key by the web server, the joint purchase validity period corresponding to the start and end times of the joint purchase, the product code corresponding to the joint purchase product information, and the joint purchase The joint purchase key comprising at least one discount amount or a discount rate for the joint purchase product corresponding to the discount information, the customer information of the joint purchase request client corresponding to the joint purchase customer information, and the joint purchase activity information. How to make a purchase with a credit card. The method of claim 73, wherein the joint purchase unique information, A total purchase size of 12 bytes, comprising a 8-digit code, unique purchase code and the code number of the four purchases, the joint purchase payment method using a credit card with a joint purchase key. 75. The system of claim 74, wherein the eight digit co-purchase unique code is Co-purchase payment using a credit card equipped with a co-purchase key, which is a number and / or code assigned by the web server to distinguish each co-purchase, represented by the alphabet of AZ and numbers 0-9. Way. 75. The method of claim 74, wherein the four co-purchase index number, A joint purchase payment method using a credit card equipped with a joint purchase key as a number sequentially assigned to a joint purchase application client applying for the joint purchase product, the joint purchase client having a maximum of 9999. 74. The method of claim 73, wherein the collective purchase validity period is, A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that expressed as a total purchase start time of a total of 12 bytes and a joint purchase end time of a total of 12 bytes. 74. The method of claim 73, wherein the collective purchase validity period is, Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the year / month / day / hour / minute / second. The method of claim 73, wherein the joint purchase product information, 13-byte total size, consisting of a 13-digit bar code number characterized in that the joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 73, wherein the joint purchase discount information, The total purchase size of 6 bytes, the amount of credit card customers, the purchase price of the product purchased by the co-purchase key, characterized in that for displaying the additional information discounted through the co-purchase key. The method of claim 73, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that displayed as a 13-digit social security number, which is unique personal information for the joint purchase request client. 76. The method of claim 73, wherein the credit card information is 16-byte size, the co-purchase payment method using a credit card with a co-purchase key, characterized in that the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase key is mounted. The method of claim 73, wherein the joint purchase unique information, A unique number or code assigned by the web server to distinguish each joint purchase product for each client, the code number for the joint purchase request product and the index of the joint purchase client applying for the joint purchase of the corresponding product. Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises a number. The method of claim 73, wherein the co-purchase activity information, Information on whether a client applying for a joint purchase to the web server has reached a joint purchase threshold; Information on whether the number of credit card customers who purchased the same goods as the co-purchase goods and paid through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold value; Information on whether the number of co-purchase application clients for a specific credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; Information on whether the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal device mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; Information on whether the number of co-purchased clients having the same or within a predetermined range of co-purchased goods among the clients who have co-purchased a specific internet shopping mall and home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server Reaching information whether or not; at least one or more co-purchase payment method using a credit card equipped with a co-purchase key. The method of claim 69, wherein the credit card, One-chip and / or dual-chip wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises at least one payment means (or credit card) of the smart card type. 86. The credit card of claim 69 or 85, wherein the credit card includes: A co-purchase payment method using a credit card equipped with a co-purchase key, comprising a processor for reading, recording and deleting a series of data and information. The method of claim 69, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises the form of an applet. The method of claim 69, wherein the co-purchase key (or data), A product code indicating a product (or service) to be jointly purchased, a discount amount or a discount rate for the joint purchase product, client customer information applying for the joint purchase, and client owned credit card information including the joint purchase key; Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises one or more. The method of claim 69, wherein the co-purchase key (or data), Joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that consisting of a credit card number system. The method of claim 69, wherein the co-purchase key (or data), The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the joint purchase activation information is included as active or inactive. The method of claim 69, wherein the co-purchase key (or data), Joint credit using a credit card equipped with a joint purchase key, characterized in that it comprises a specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information for selling the joint purchase target product (or service) Purchase payment method. The method of claim 69, wherein the co-purchase key (or data), Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the delivery information of the co-purchase product. 92. The method of claim 69, 91, or 92, wherein the credit card settlement server discounts the settlement amount based on the joint purchase discount information included in the joint purchase key, and performs post settlement. The credit card payment server confirms specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain) information included in the joint purchase key or the joint purchase discount information and / or delivery address information of the joint purchase product. The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the payment by discounting the payment amount of the purchased goods. 70. The method of claim 69, wherein the co-purchase key (or data) generation step, The product code for the joint purchase target product (or service) and the client customer information applying for the joint purchase from the web server selling the joint purchase target product (or service) and the discount amount or discount rate (or discount policy) according to the joint purchase. And receiving at least one or more client-owned credit card information carrying the joint purchase key to generate the joint purchase key (or data). 70. The method of claim 69, wherein the co-purchase key (or data) generation step, And storing the generated joint purchase key (or data) in a predetermined database. The method of claim 69, wherein the step of providing a joint purchase key (or data), When the client credit card (or payment means) is a wireless credit card (or payment means), the client credit card (or payment means) is provided through a wireless communication network, or the client credit card (or payment means) is IC (Integrated). In the case of a smart card type credit card (or payment means) equipped with a chip, the credit card equipped with a joint purchase key is provided to the client credit card (or payment means) through a wired communication network. Collective payment method. 70. The method of claim 69, further comprising: extracting (or receiving from the credit card) the co-purchase key preloaded in the credit card in the credit card payment terminal device; When the client credit card (or payment means) is a wireless payment means, the co-purchase key (or data) is provided to a payment terminal device through short-range wireless data communication. Collective payment method. The method of claim 97, wherein the short range wireless data communication includes: A co-purchase payment method using a credit card equipped with a co-purchase key, comprising at least one of infrared data communication, RF (Radio Frequency) data communication, and Bluetooth (Bluetooth) data communication. 70. The method of claim 69, wherein the credit card settlement server discounts the settlement amount based on the joint purchase discount information included in the joint purchase key, and performs post settlement. And a customer authentication step of confirming whether the customer has applied for a joint purchase for the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase key. The joint purchase payment method using a credit card equipped with a joint purchase key. 70. The method of claim 69, wherein in the credit card settlement server, discounting the settlement amount based on the joint purchase discount information included in the joint purchase key and performing a post settlement process. Post-payment processing at the credit card payment server, refund the discount amount, or provide a royalty corresponding to the discount amount, the joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 69, wherein when the co-purchase key is activated, When the client applying for the joint purchase to the web server reaches the joint purchase threshold; When the number of credit card customers who purchase the same goods as the co-purchase goods and pay through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold; When the number of co-purchase clients targeting a particular credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; When the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; When the number of co-purchase request clients having the same or within a predetermined range of the co-purchase product among the clients who co-purchase the specific Internet shopping mall and the home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server When reaching; The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises at least one. The method of claim 69, wherein the joint purchase discount information, Joint purchase using a credit card equipped with a joint purchase key, characterized in that consisting of information for discounting the amount of payment included in the credit card payment information on the basis of the discount amount or the discount of the joint purchase information included in the joint purchase key Payment Method. A joint purchase application step of the client applying for a joint purchase from the joint purchase web server on the wired or wireless Internet; A joint purchase information providing step of generating the joint purchase information by the joint purchase web server and providing the joint purchase key providing server; A joint purchase key generation step of the joint purchase key providing server generating a joint purchase key (or data) based on the joint purchase information; A joint purchase key providing step of the joint purchase key providing server providing the generated joint purchase key (or data) to the credit card of the client; When the client purchases the same product as the product requested for the joint purchase through a credit card loaded with the co-purchase key in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device is used to Extracting the pre-purchased key (or provided from the credit card); Checking whether the joint purchase key is activated through the client at the credit card payment terminal; And When the joint purchase key is activated as a result of confirming whether the joint purchase key is activated, discounting the settlement amount of the purchased product through the joint purchase discount information included in the joint purchase key in the credit card payment terminal device; Joint purchase payment method using a credit card equipped with a joint purchase key comprising a. 103. The method of claim 103, If the generated joint purchase key (or data) satisfies an activation condition, the web server (or joint purchase key providing server) providing the client with activation information of the joint purchase key (or data). The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that it comprises a. 105. The method of claim 104, wherein the web server (or co-purchase key providing server) provides activation information of the co-purchase key (or data) to the client. A wireless messaging method comprising at least one Short Message Service (SMS), Enhanced Message Service (EMS), and Multimedia Messaging Service (MMS) to a client applying for the joint purchase; A method of making a joint purchase payment using a credit card equipped with a joint purchase key, characterized in that the joint purchase is activated through all types of wired and wireless messaging including a wired messaging method including at least one e-mail or an instant messenger. The method of claim 103, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase key by the web server, the joint purchase validity period corresponding to the start and end times of the joint purchase, the product code corresponding to the joint purchase product information, and the joint purchase The joint purchase key comprising at least one discount amount or a discount rate for the joint purchase product corresponding to the discount information, the customer information of the joint purchase request client corresponding to the joint purchase customer information, and the joint purchase activity information. How to make a purchase with a credit card. The method of claim 106, wherein the joint purchase unique information, A total purchase size of 12 bytes, comprising a 8-digit code, unique purchase code and the code number of the four purchases, the joint purchase payment method using a credit card with a joint purchase key. 108. The system of claim 107, wherein the eight digit co-purchase unique code is Co-purchase payment using a credit card equipped with a co-purchase key, which is a number and / or code assigned by the web server to distinguish each co-purchase, represented by the alphabet of AZ and numbers 0-9. Way. 107. The method of claim 107, wherein the four co-purchase index number, A joint purchase payment method using a credit card equipped with a joint purchase key as a number sequentially assigned to a joint purchase application client applying for the joint purchase product, the joint purchase client having a maximum of 9999. 107. The apparatus of claim 106, wherein the collective purchase validity period is: A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that expressed as a total purchase start time of a total of 12 bytes and a joint purchase end time of a total of 12 bytes. 107. The apparatus of claim 106, wherein the collective purchase validity period is: Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the year / month / day / hour / minute / second. 107. The method of claim 106, wherein the joint purchase product information, 13-byte total size, consisting of a 13-digit bar code number characterized in that the joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 106, wherein the joint purchase discount information, The total purchase size of 6 bytes, the amount of credit card customers, the purchase price of the product purchased by the co-purchase key, characterized in that for displaying the additional information discounted through the co-purchase key. 107. The method of claim 106, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that displayed as a 13-digit social security number, which is unique personal information for the joint purchase request client. 107. The credit card information of claim 106, 16-byte size, the co-purchase payment method using a credit card with a co-purchase key, characterized in that the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase key is mounted. The method of claim 106, wherein the joint purchase unique information, A unique number or code assigned by the web server to distinguish each joint purchase product for each client, the code number for the joint purchase request product and the index of the joint purchase client applying for the joint purchase of the corresponding product. Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises a number. The method of claim 106, wherein the co-purchase activity information, Information on whether a client applying for a joint purchase to the web server has reached a joint purchase threshold; Information on whether the number of credit card customers who purchased the same goods as the co-purchase goods and paid through the co-purchase authentication server and the co-purchase authentication server reaches the co-purchase threshold value; Information on whether the number of co-purchase application clients for a specific credit card merchant (specific discount mart) and / or merchant group (franchise chain) reaches the co-purchase threshold; Information on whether the number of credit card customers who have purchased and paid for the same goods as the co-purchased goods through a credit card payment terminal device mounted in a specific credit card merchant and / or merchant group reaches the co-purchase threshold; Information on whether the number of co-purchased clients having the same or within a predetermined range of co-purchased goods among the clients who have co-purchased a specific internet shopping mall and home shopping through the web server reaches the co-purchase threshold; The number of credit card payment customers whose purchase destinations are the same or within a certain range among the credit card payment customers who purchased and paid for the same product as the product purchased jointly at a specific internet shopping mall and home shopping through the web server Reaching information whether or not; at least one or more co-purchase payment method using a credit card equipped with a co-purchase key. 107. The method of claim 103, wherein the credit card is One-chip and / or dual-chip wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises at least one payment means (or credit card) of the smart card type. 118. The apparatus of claim 103 or 118, wherein the credit card is A co-purchase payment method using a credit card equipped with a co-purchase key, comprising a processor for reading, recording and deleting a series of data and information. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises the form of an applet. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: A product code indicating a product (or service) to be jointly purchased, a discount amount or a discount rate for the joint purchase product, client customer information applying for the joint purchase, and client owned credit card information including the joint purchase key; Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that it comprises one or more. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: Joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that consisting of a credit card number system. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: The joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the joint purchase activation information is included as active or inactive. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: Joint credit using a credit card equipped with a joint purchase key, characterized in that it comprises a specific credit card merchant (specific discount mart) information and / or merchant group (franchise chain store) information for selling the joint purchase target product (or service) Purchase payment method. 109. The apparatus of claim 103, wherein the co-purchase key (or data) is: Co-purchase payment method using a credit card equipped with a co-purchase key, characterized in that the delivery information of the co-purchase product. 126. The method of claim 103, 124, or 125, wherein in the credit card payment terminal device, the payment is made by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. The credit card payment terminal device checks specific credit card affiliate store (specific discount mart) information and / or affiliate group group (franchise chain store) information and / or shipping address information of the co-purchase product included in the co-purchase key. A joint purchase payment method using a credit card equipped with a joint purchase key, characterized in that the payment is made at a discounted payment amount. 104. The method of claim 103, wherein the co-purchase key (or data) generation step, The product code for the joint purchase target product (or service) and the client customer information applying for the joint purchase from the web server selling the joint purchase target product (or service) and the discount amount or discount rate (or discount policy) according to the joint purchase. And receiving at least one or more client-owned credit card information carrying the joint purchase key to generate the joint purchase key (or data). 104. The method of claim 103, wherein the co-purchase key (or data) generation step, And storing the generated joint purchase key (or data) in a predetermined database. 104. The method of claim 103, wherein the co-purchase key (or data) providing step, When the client credit card (or payment means) is a wireless credit card (or payment means), the client credit card (or payment means) is provided through a wireless communication network, or the client credit card (or payment means) is IC (Integrated). In the case of a smart card type credit card (or payment means) equipped with a chip, the credit card equipped with a joint purchase key is provided to the client credit card (or payment means) through a wired communication network. Collective payment method. 104. The method of claim 103, wherein the credit card payment terminal extracts (or receives from the credit card) the co-purchase key preloaded in the credit card. When the client credit card (or payment means) is a wireless payment means, the co-purchase key (or data) is provided to a payment terminal device through short-range wireless data communication. Collective payment method. 131. The method of claim 130, wherein the short range wireless data communication, A co-purchase payment method using a credit card equipped with a co-purchase key, comprising at least one of infrared data communication, RF (Radio Frequency) data communication, and Bluetooth (Bluetooth) data communication. 107. The method of claim 103, wherein the credit card payment terminal discounts the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. And a customer authentication step of confirming whether the customer has applied for a joint purchase for the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase key. The joint purchase payment method using a credit card equipped with a joint purchase key. 107. The method of claim 103, wherein the credit card payment terminal discounts the payment amount of the purchased product through the joint purchase discount information included in the joint purchase key. And extracting the joint purchase target product (or service) information included in the joint purchase key to verify whether the product (or service) is a joint purchase target product (or service). A joint purchase payment method using a credit card equipped with a joint purchase key. The method of claim 103, wherein the joint purchase discount information, Joint purchase using a credit card equipped with a joint purchase key, characterized in that consisting of information for discounting the amount of payment included in the credit card payment information on the basis of the discount amount or the discount of the joint purchase information included in the joint purchase key Payment Method. A joint purchase web server for performing joint purchases on the wired and wireless Internet and generating joint purchase information; A client (terminal) applying for a joint purchase from the web server; A joint purchase key providing server receiving the joint purchase information generated by the web server and generating a joint purchase key; The client payment means (or credit card) for receiving and storing the joint purchase key from the joint purchase key providing server; And And a credit card payment terminal device for extracting the joint purchase key (or provided from the credit card) from the client payment means (or credit card), wherein the credit card payment terminal device transmits the joint purchase key through the web server. After confirming whether the purchase key is activated or not, if the joint purchase key is activated, the credit card payment terminal device determines the purchase price of the purchase product through the joint purchase discount information included in the joint purchase key. Co-purchase payment system using a credit card equipped with a co-purchase key to discount the payment amount. 136. The method of claim 135, wherein the web server, Co-purchase payment system using a credit card that is associated with, or the same as the co-purchase key providing server. 136. The method of claim 135, wherein the client payment means (or credit card), One chip and / or dual chip type wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment system using a credit card equipped with a joint purchase key, characterized in that it comprises at least one or more payment means (or credit card) of the smart card type. A joint purchase web server for performing joint purchases on the wired and wireless Internet and generating joint purchase information; A client (terminal) applying for a joint purchase from the web server; A joint purchase key providing server receiving the joint purchase information generated by the web server and generating a joint purchase key; The client payment means (or credit card) for receiving and storing the joint purchase key from the joint purchase key providing server; A credit card payment terminal for extracting (or receiving from the credit card) the co-purchase key from the client payment means (or credit card); And And an authentication server receiving the extracted co-purchase key from the credit card payment terminal device and checking whether the co-purchase key is activated. When the joint purchase key is activated as a result of checking whether the joint purchase key is activated in the authentication server, the joint purchase discount information included in the joint purchase key or the joint purchase key is transmitted from the authentication server to the credit card payment terminal device. Providing and discounting the payment amount of the purchase product through the joint purchase discount information included in the joint purchase key in the credit card payment terminal device, the joint purchase payment system using a credit card equipped with a joint purchase key. 138. The method of claim 138, wherein the web server is Co-purchase payment system using a credit card that is associated with, or the same as the co-purchase key providing server. 138. The method of claim 138, wherein the client payment means (or credit card) is One chip and / or dual chip type wireless payment means (or credit card), memory type wireless payment means (or credit card), slot type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment system using a credit card equipped with a joint purchase key, characterized in that it comprises at least one or more payment means (or credit card) of the smart card type. 138. The method of claim 138, wherein the authentication server, Credit installed on the web server side, mounted on the credit card payment terminal device, mounted on the value added network (VAN) side, or mounted on the credit card payment server side Co-purchase payment system using a card. A joint purchase web server for performing joint purchases on the wired and wireless Internet and generating joint purchase information; A client (terminal) applying for a joint purchase from the web server; A joint purchase key providing server receiving the joint purchase information generated by the web server and generating a joint purchase key; The client payment means (or credit card) for receiving and storing the joint purchase key from the joint purchase key providing server; A credit card payment terminal for extracting (or receiving from the credit card) the co-purchase key from the client payment means (or credit card); And And a credit card payment server that receives the extracted joint purchase key from the credit card payment terminal device and checks whether the joint purchase key is activated. After the credit card payment server confirms whether the joint purchase key is activated through the web server, and if the joint purchase key is activated as a result of the confirmation of the activation of the joint purchase key, the credit card settlement server sends the joint purchase key to the joint purchase key. Co-purchase payment system using a credit card equipped with a co-purchase key to settle the discount amount from the payment amount of the purchased product through the included co-purchase discount information. 143. The method of claim 142, wherein the web server, Co-purchase payment system using a credit card that is associated with, or the same as the co-purchase key providing server. 145. The method of claim 142, wherein the client payment means (or credit card) is One-chip and / or dual-chip wireless payment means (or credit card), memory wireless payment means (or credit card), slot-type wireless payment means (or credit card), IC (Integrated Circuit) chip Co-purchase payment system using a credit card equipped with a joint purchase key, characterized in that it comprises at least one or more payment means (or credit card) of the smart card type.