KR20040048174A - System for Payment Group Buying and Method for Servicing by Using Credit Card with Group Buying Code - Google Patents

Abstract

PURPOSE: A system for the group buying payment using a credit card linked with a group buying managing server storing a group buying code and a service method thereof are provided to buy goods at a discounted group buying price on the offline when the user pays the goods with the credit card storing the information for the group buying promoted on the wire/wireless Internet by linking with the credit card information. CONSTITUTION: A group buying web server(100) performs the group buying on the wire/wireless Internet and generates the group buying information. A client applies for the group buying on the web server. A group buying code providing server(105) generates the group buying code by receiving the group buying information generated from the web server. A group buying managing server(125) receives/stores the group buying code from the group buying code providing server. A credit card settlement terminal(140) extracts the credit card information from the credit card(100). A certification server(135) extracts the group buying code linked with the credit card through the group buying managing server by receiving the credit card information from the credit card settlement terminal.

Description

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

The present invention relates to a Payment Group Buying system and a service method using a credit card linked to a joint purchase management server storing a Group Buying Code. A joint purchase management server having a joint purchase code D / B coupled to a credit card payment system and storing the joint purchase code in the system, a credit card linked to the joint purchase code stored in the joint purchase management server, The joint purchase payment system that adds the joint purchase code providing server to generate the joint purchase code and provides the joint purchase management server to the joint purchase management server and authenticates the joint purchase payment using a credit card linked to the joint purchase code. And co-purchase code delivery server through co-purchase web server Generate a joint purchase code including purchase information and credit card information delivered from the client, include joint purchase activation information according to the joint purchase activation condition in the joint purchase code, and joint purchase code D / of the joint purchase management server. By processing the data code that can be stored in B and storing it in the joint purchase code D / B of the joint purchase management server, the co-purchase code stored in the joint purchase code D / B of the joint purchase management server and the credit card of the client Method, the co-purchase web server (or co-purchase management server) according to the co-purchase activation conditions, the co-purchase to the client receiving the co-purchase code, the co-purchase authentication server and / or credit card payment server, and the co-purchase code To communicate that the credit card customer is online or offline at the store. When the same product as the purchase application product is purchased and a payment request is made, the credit card terminal device provides the credit card information to the joint purchase authentication server, and the joint purchase authentication server sends the joint purchase code corresponding to the credit card information to the joint purchase code. After extracting from the joint purchase code D / B of the purchase management server to authenticate the joint purchase customer, confirming whether the joint purchase code is activated, and forwarding to the credit card payment terminal device, the credit card payment terminal device is connected to the joint purchase code. In the process of checking whether the purchase code is activated and processing the payment through the credit card payment server according to whether the co-purchase code is activated, and the credit card payment server settles the joint purchase payment, the joint purchase code is not activated. After confirming that you have activated a code for purchasing a non-purchased purchase, Co-purchased on wired / wireless internet, such as by using a method of calculating the discount amount corresponding to the co-purchase discount information included in the co-purchase code, for which the co-purchase of the commodity on-line and off-line through the credit card is greatly discounted. It is to provide a joint purchase settlement system and method for purchasing at a purchase price.

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 purchases executed through the existing wired / wireless Internet, the joint purchase web server suggests a discounted amount or a discount rate on the number of purchased customers for the products sold, 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 corresponding goods are sold at a discounted price corresponding to the number of the co-purchase customers, and the co-purchase web server is up to the promotion of the co-purchase and the sale of the goods. Provide bulk. 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, the purchase through the existing co-purchase does not necessarily mean the lowest priced purchase, and the problem of limiting the purchase option for the commodity to the co-purchase web server for the co-purchase promotion is not limited. have.

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 that when a client applies for a joint purchase from a joint purchase web server on the wired and wireless Internet, the joint purchase web server generates the joint purchase information and delivers to the joint purchase code providing server, The purchase code providing server generates the co-purchase code, transmits the data to the co-purchase code D / B of the co-purchase management server, and stores the same. In the process of purchasing and paying the same product as the product purchased jointly through the linked credit card, the credit card payment terminal device (when the joint purchase activation information is directly provided to the credit card terminal) And after the credit card terminal device confirms whether the joint purchase activation information is set to active through the joint purchase authentication server (when the joint purchase activation information is provided to the joint purchase authentication server), the joint purchase code included in the joint purchase code. You can make a payment by discounting the payment amount of the purchased product through the purchase discount information, or settled by subtracting the discount amount corresponding to the discount information included in the joint purchase code from the amount paid through the credit card payment server, or Credit card customers with a credit card linked to the co-purchase code installed on the co-purchase management server can be automatically charged at the online and offline payment stages. To provide a system and method for purchasing at a co-purchase discount price.

Figure 1 is a simple block diagram of a payment co-purchase system using a credit card linked to the co-purchase code stored in the co-purchase code D / B of the co-purchase management server.

2 is a simple flowchart of a first step of the present invention for generating a joint purchase code and storing it as a joint purchase code D / B of the joint purchase management server.

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.

4 is a third step in which a credit card customer purchases and pays the same product as a joint purchase application, and the joint purchase authentication server extracts the joint purchase code from the joint purchase code D / B of the joint purchase management server to obtain a credit card payment terminal. In the third step in which the device credit card customer purchases and pays the same product as the joint purchase application product, the payment for the joint purchase product is processed through the joint purchase code transmitted from the joint purchase authentication server to the credit card payment terminal device 140. Here is a simple flow chart of the process.

FIG. 5 illustrates a process in which a credit card customer processes payment for a joint purchase product through a joint purchase code transferred from the joint purchase authentication server to the credit card payment terminal in the third step of purchasing and paying the same product as the joint purchase application product. A simple flow chart for the process.

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

<Description of main parts of drawing>

100: credit card 105: co-purchase code server

110: joint purchase web server 115: joint purchase application D / B

120: co-purchase table 125: co-purchase management server

130: co-purchase code D / B135: co-purchase authentication server

140: credit card payment terminal 145: credit card payment server

The present invention relates to a Payment Group Buying system and a service method using a credit card linked to a joint purchase management server storing a Group Buying Code. A joint purchase management server having a joint purchase code D / B configured to combine a credit card payment system and store the joint purchase code in the system, a credit card linked to the joint purchase code stored in the joint purchase management server, The joint purchase payment system that adds the joint purchase code providing server to generate the joint purchase code and provides the joint purchase management server to the joint purchase management server and authenticates the joint purchase payment using a credit card linked to the joint purchase code. And co-purchase code delivery server through co-purchase web server Generate a joint purchase code including purchase information and credit card information delivered from the client, include joint purchase activation information according to the joint purchase activation condition in the joint purchase code, and joint purchase code D / of the joint purchase management server. By processing the data code that can be stored in B and storing it in the joint purchase code D / B of the joint purchase management server, the co-purchase code stored in the joint purchase code D / B of the joint purchase management server and the credit card of the client In the first step, the co-purchase web server (or co-purchase management server) co-operates with the credit card payment terminal device, co-purchase authentication server and / or credit card payment server, and the client who received the co-purchase code according to the co-purchase activation condition. Step 2, 3) the credit card customer communicates that the purchase is activated at the online or offline store. When the same product as the joint purchase request product is purchased and a payment request is made, the credit card terminal device provides the credit card information to the joint purchase authentication server, and the joint purchase authentication server supplies the joint purchase code corresponding to the credit card information. After extracting from the joint purchase code D / B of the joint purchase management server, the joint purchase customer is authenticated, the activation of the joint purchase code is confirmed, and the credit card payment terminal is transferred to the credit card payment terminal. In the third step of checking whether the co-purchase code is activated and processing the payment through a credit card payment server according to whether the co-purchase code is activated, and the co-purchase code is settled by the credit card payment server, After you confirm that you have activated the code for the purchase of a non-activated co-purchase payment, And a fourth step of calculating a discount amount corresponding to the joint purchase discount information included in the generalized joint purchase code.

In the present invention, the credit card includes a one-chip and dual-chip wireless credit card, a memory wireless card, a slot wireless card, and an existing MS (Magnetic Stripe) card and a smart card (Smart Card). This credit card payment terminal includes all types of credit cards capable of delivering credit card information including credit card numbers.

Hereinafter, credit card refers to any type of credit card that can pass credit card information stored in the credit card to a credit card payment terminal, and the client includes the credit card information included in the co-purchase code from the point of view of the co-purchase code provision server. Refers to a co-purchase applicant on the wired / wireless Internet that provides a credit card customer, and a credit card customer has a credit card linked to a co-purchase management server that stores a co-purchase code from an on-line or off-line store. Pointer to the co-purchase payment requester to purchase. That is, the client and the credit card customer refer to the same credit card user who has received the co-purchase code. For the effective explanation of the present invention, the client and the credit card customer are referred to as the client at the stage of applying for the co-purchase, and at the stage of purchasing and paying the co-purchase product. It's called a credit card customer.

In the present invention, the joint purchase payment using the credit card equipped with the joint purchase code is divided into the joint purchase web server promoting the joint purchase and the internet shopping mall and / or the offline store selling the joint purchase application product (the existing joint purchase and Difference-the joint purchase request server, the product purchase server and the product purchase store are separated), the separate joint purchase web server and the Internet shopping mall and / or offline store credit card linked to the joint purchase code stored in the joint purchase management server Through the connection (separate application server, purchase server and store with credit card), and the joint purchase discount amount and / or discount rate is determined or changed according to the conditions of activation of joint purchase (difference from the existing discount coupon- Discount amount or discount rate is flexible according to the joint purchase activation conditions).

The joint purchase payment as described above is a first step in which a client applies for a joint purchase through a joint purchase web server, a second stage in which the joint purchase web server transmits whether the joint purchase is activated to each component of the settlement joint purchase system, and credit. The third step of the card customer purchases and pays the same goods as the co-purchased goods, and the fourth step of the credit card settlement server to settle the payment for the co-purchased goods.

In the first step where a client applies for a joint purchase through the joint purchase web server, the joint purchase code provisioning server stores the joint purchase code 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 code and matched with the credit card information of the client, and stored in the joint purchase code D / B of the joint purchase management server characterized in that the credit card and the joint purchase code of the client.

In the second step, where the co-purchase web server communicates whether to activate the co-purchase to each component of the payment co-purchase system,

[2-1] If the credit card customer purchases the same product as the co-purchase product and the co-purchasing activation condition for the co-purchase is satisfied before the payment processing request, the co-purchasing web server is connected to the credit card payment terminal device and / or Deliver joint purchase activation information through wired and wireless Internet to the joint purchase authentication server and / or joint purchase management server, and apply for the joint purchase to SMS (Short Message Service), EMS (Enhanced Message Service), and MMS ( Announce that co-purchase has been activated through all types of wired and wireless messaging, including wireless messaging methods including Multimedia Messaging Service, and wired messaging methods including e-mail or instant messenger. [2-2] The co-purchase of the co-purchase after the credit card customer has purchased the same product as the co-purchase product and has already processed the payment If the activation condition is satisfied, the co-purchase web server delivers co-purchase activation information to the credit card payment server, and provides the co-purchase through all kinds of wired / wireless messaging methods to the credit card customer who purchased the same product as the co-purchase request product. Is activated so that the prepaid purchase amount is discounted by the joint purchase discount amount.

In the third step in which the credit card customer purchases and pays the same product as the joint purchase application product, [3-1] the credit card payment terminal is included in the joint purchase code extracted from the joint purchase management server through the joint purchase authentication server. When the co-purchase activation information for the purchased product is recognized through the co-purchase activation information and / or the co-purchase activation information transmitted from the co-purchase web server before the credit card payment, the credit card payment terminal device receives the Create a co-purchase discount policy using the co-purchase discount information included in the provided co-purchase code, apply the co-purchase discount policy to the payment amount of credit card customers' purchases, and process the co-purchase activity information for the purchased product. If you don't recognize this value, the amount of sales sold by your Internet or offline store To characterized in that the request to process payments.

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 included in the joint purchase code extracted from the joint purchase management server and the joint purchase activation information transmitted from the joint purchase web server before credit card payment, etc. Recognizing that the joint purchase for the corresponding purchase product is activated, the joint purchase authentication server sets the joint purchase activation information to active in the joint purchase code delivered to the credit card payment terminal device, and delivers the credit card payment terminal device to the credit card payment terminal device. If the payment terminal device applies the joint purchase discount policy and does not recognize that the joint purchase of the purchased product is activated, the joint purchase authentication server sends the joint purchase code in which the joint purchase activation information is set to inactive to the credit card payment terminal device. By transferring, the credit card payment terminal is not discounted. By passing a credit card payment information includes a payment with a credit card payment server, wherein the request to process a payment.

If the payment amount delivered from the credit card payment terminal device is processed at the non-discounted sales price at the credit card payment terminal device, the payment amount is finally discounted in the fourth step of the settlement of the payment amount by the credit card payment server. .

If the credit card payment server requests payment for the co-purchase product to the credit card payment server through the third step of the present invention in the fourth step in which the credit card payment server setstles the payment for the co-purchase product, the credit card payment server performs the payment. After approval, if the co-purchase activation 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 a credit card for the co-purchase request product based on the co-purchase activation information. Extract the co-purchase discount policy from the customer's corresponding co-purchase code, apply the co-purchase discount policy to the previously settled payment amount, and settle the discounted amount, and after the settlement date of the credit card customer, the credit card from the co-purchase web server When the co-purchase activation information is delivered to the payment server, the credit card payment server is based on the co-purchase activation information. Extract the joint purchase discount policy from the corresponding joint purchase code of the credit card customer for the joint purchase request product, and refund the discount amount corresponding to the joint purchase discount policy to the predetermined amount, or the discount to the credit card customer It is characterized by providing a royalty corresponding to the amount.

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 the credit card customer provided with the joint purchase code 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 card customers who receive a co-purchase code will receive a discounted amount for 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 product at the on-offline store. Even if the user purchases the same merchandise as the product purchased for the joint purchase at a non-discounted amount because the joint purchase is not activated before the third step, the discount according to the joint purchase in the fourth step of settlement The amount settled or applied is refunded.

According to the present invention, the co-purchase activation condition is activated when there is more than one client who has applied for co-purchase with the co-purchase web server [unconditional activation based on the applicant (activated through the co-purchase code of step 1)], or credit card payment Activated when the number of credit card customers who purchased the same product and paid for the same product through the terminal device and the joint purchase authentication server is one or more. )], Activated when the number of clients who applied for a joint purchase to the joint purchase web server is above a certain level. Activation through the stage 1 co-purchase code), and through the co-purchase product through the credit card It is activated when the number of credit card customers who have purchased and paid for a product is above a certain level. Activation through the stage co-purchase code)], when a certain number of co-purchase clients for a particular credit card merchant (a specific discount mart) and / or a group of franchisees (franchise chain stores) are above a certain level [[ Before reaching a certain level: activated through 2/3 stage purchasing information, after reaching a certain level: activated through stage 1 purchase code)], credit card payments placed on specific 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 joint purchase application through the terminal device is above a certain level. Based on the payer (before reaching a certain level: activated through 2/3/4 stage of joint purchase activation information, after reaching a certain level: activated through stage 1 joint purchase code)], through a joint purchasing web server And when the number of co-purchase clients among the co-purchased clients for home shopping and home shopping is the same or within a certain range is greater than or equal to a certain level. Activation through the joint purchase activity information of the stage, after reaching a certain level: activation through the joint purchase code of the first stage)], through the joint purchase web server, the same product as the product purchased for the joint purchase at a specific internet shopping mall and home shopping A credit card payment customer who has purchased and paid for a credit card that has the same or lesser shipping address. 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: Activate through co-purchase code of 1st stage) ] 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 code 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 stores the joint purchase code as the joint purchase code D / B of the joint purchase management server through the joint purchase code providing server. In the first step to set the co-purchase activation information of the co-purchase code to active, or the co-purchase web server sets the co-purchase activation information in the second and third steps of the present invention credit card payment terminal device or co-purchase authentication server In order to recognize that the co-purchase is activated, or to transmit the co-purchase activation information to the credit card payment server in the fourth step of the present invention, 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 code providing server, a joint purchase code generation step of generating a joint purchase code (or data) by the joint purchase code providing server based on the joint purchase information, and the joint purchase code providing server A joint purchase code providing step of providing the generated joint purchase code (or data) to the joint purchase management server located on a wired / wireless communication network by interworking with the client credit card information, wherein the client is an internet shopping mall on a wired / wireless internet. Or a new product that is linked to the co-purchase code at an offline store Extracting (or receiving from the credit card) credit card information from the credit card at the credit card payment terminal device when purchasing the same product as the joint purchase application through the credit card, at the credit card payment terminal device Providing the credit card information to an authentication server located on a wired / wireless communication network, extracting a joint purchase code linked to the credit card information through the management server from the authentication server, and extracting the extracted joint purchase code from the authentication server. Providing the credit card payment terminal device, checking whether the credit card payment terminal device is activated through the web server, and confirming whether the joint purchase code is activated; If the credit card payment terminal device is included in the joint purchase code It comprises the step of payment by discounting the payment of the purchase through every discount information.

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 code providing server, a joint purchase code generation step of generating a joint purchase code (or data) by the joint purchase code providing server based on the joint purchase information, and the joint purchase code providing server A joint purchase code providing step of providing the generated joint purchase code (or data) to the joint purchase management server located on the wired / wireless communication network by interworking with the client credit card information. A credit card that is linked to the co-purchase code at a store in the offline Extracting (or receiving from the credit card) credit card information from the credit card at the credit card payment terminal device when purchasing the same product as the joint purchase application through the credit card payment terminal device; Providing information to an authentication server located on a wired / wireless communication network, extracting a joint purchase code linked to the credit card information through the management server from the authentication server, and extracting the joint purchase code through the web server. Checking whether the joint purchase code is activated, if the joint purchase code is activated, the joint purchase code included in the joint purchase code or the joint purchase code from the authentication server to the credit card payment terminal device; Providing discount information and the co-purchase code in the payment terminal device It may comprise the step of payment by discounting the payment of the purchase through the joint purchase offers.

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 code providing server, a joint purchase code generation step of generating a joint purchase code (or data) by the joint purchase code providing server based on the joint purchase information, and the joint purchase code providing server Providing a joint purchase code (or data) to the joint purchase management server located on a wired / wireless communication network by interworking the generated joint purchase code (or data) with the client credit card information. Linked to the co-purchase code in a shopping mall or offline store Extracting (or receiving from the credit card) credit card information from the credit card at the credit card payment terminal device when purchasing the same product as the joint purchase application through the credit card, at the credit card payment terminal device Providing the credit card information to an authentication server located on a wired / wireless communication network, extracting a joint purchase code linked to the credit card information through the management server from the authentication server, and extracting the extracted joint purchase code from the authentication server. Providing a credit card payment terminal device, Providing the extracted co-purchase code from the credit card payment terminal device together with payment approval request information to a credit card payment server, From the credit card payment server to the payment terminal device After responding to the payment approval request, the co-purchase code through the web server Confirming the activation, and if the joint purchase code is activated as a result of the activation of the joint purchase code, the credit card payment server discounts the payment amount based on the joint purchase discount information included in the joint purchase code. It is made by a post-correction process.

In addition, the co-purchase code (or data) may include information on a specific credit card merchant (specific discount mart) and / or merchant group (franchise chain store) selling the co-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 code is activated as a result of checking whether the joint purchase code is activated, the payment of the purchase product is made through the joint purchase discount information included in the joint purchase code in the credit card payment terminal or the credit card payment server. In the step of discounting the payment (or settlement), the credit card payment terminal or credit card payment server, the specific credit card merchant (specific discount mart) information and / or merchant group (franchise) included in the co-purchase code 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 code in the credit card settlement terminal device or the credit card settlement server may be included in the joint purchase code. 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 code. 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 payment using a credit card proposed in the present invention, a process for a client to apply for a co-purchase from the co-purchase web server on the Internet, and to purchase and pay for the co-purchase product offline It will be described in detail the features of the present invention through.

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 co-purchase system using a credit card 100 linked to a co-purchase code stored in the co-purchase code D / B of the co-purchase management server.

The joint purchase system for payment using the credit card 100 of FIG. 1 combines the existing online joint purchase system and the offline credit card payment system and stores the joint purchase code in the combined system. And a credit card 100 linked with the joint purchase code stored in the joint purchase management server 125, a joint purchase code providing server 105 for generating the joint purchase code, and a joint purchase authentication server 135. It is characterized by.

The joint purchase web server 110 includes the functions of the joint purchase web server 110 which performs the joint purchase promotion on the existing wired and wireless Internet as it is, and extracts the joint purchase information from the joint purchase application information of the client to provide the joint purchase code. A function of generating and storing the joint purchase code as the joint purchase code D / B of the joint purchase management server 125 through 105, and providing the joint purchase code 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 the co-purchase code generated by the server 105 to be active or inactive, and the credit card payment terminal device in the second and third stages of the present invention based on the co-purchase activation information. 140) and / or the function of delivering co-purchase activation information to the co-purchase authentication server 135, the fourth of the present invention based on the co-purchase activation information. It characterized by providing the features, such as additional co-buying website on the wired and wireless internet system in the delivery of active joint purchase information to the credit card payment server (145).

The joint purchase information provided by the joint purchase web server 110 to the joint purchase code providing server 105 according to the joint purchase application information of the client corresponds to a unique number assigned to the joint purchase code by the joint purchase web server 110. The specific information on the joint purchase, the expiration date of the joint purchase corresponding to the start and end of the joint purchase, the product code corresponding to the joint purchase product information, the discount amount or the discount rate for the joint purchase product corresponding to the joint purchase discount information, And at least among the customer information of the joint purchase application client corresponding to the joint purchase customer information and the joint purchase activation information for determining whether to activate / deactivate the joint purchase activation information in the joint purchase code based on the joint purchase activation condition in the first step. It is characterized by including one or more.

The joint purchase unique information of the joint purchase information is a unique number or code assigned by the joint purchase web server 110 to distinguish each joint purchase product for each client. Unique information including an index number and the like of a joint purchase client applying for a joint purchase of a 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 when the settlement joint purchase is initiated and the date and time when the joint purchase ends, and the conditions of the joint purchase activation within the validity period of the joint purchase are If 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-purchasing clients and payment customers in each case is applied based on the co-purchasing activation condition through the fourth step.

The co-purchase product information of the co-purchase information is information about a product that the client has applied for co-purchase through the co-purchase web server 110, and a credit card payment terminal in the process of requesting the customer to purchase and pay the corresponding product at a store. The product information is generated in the same structure as the product information generated from the point of sales terminal (POS) interworking with the device 140 and the credit card payment terminal device and delivered to the credit card payment terminal device 140. For example, if the product for which the joint purchase application is a product with a barcode applied as an industrial product, the joint purchase web server 110 uses the barcode information of the product for the joint purchase as the joint purchase product information, and the credit card payment terminal device ( 140) 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 110 acquires a predetermined number of joint purchase request customers or more. Information can be a number greater than 100 (explanation: you can assume that you don't discount less than 100 won, 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 joint purchase customer information of the joint purchase information is information inserted by the joint purchase web server 110 to confirm the customer who has applied for the joint purchase, and the credit card customer purchases the product from the store and requests the payment. 100) Use the same information as credit card user information extracted from the information. 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 activity information (the description of the joint purchase activity information in the first stage) of the joint purchase information is described in the joint purchase code loaded on the credit card 100 of the client according to the joint purchase activation condition in the first stage. Information for setting whether to activate or deactivate the proposed joint purchase. If the joint purchase activation information is set as active in the joint purchase activation information of the joint purchase code, the corresponding credit card 100 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 100 can immediately purchase the discounted amount according to the joint purchase discount information through the payment terminal 140. Of course, even when the joint purchase activation information is inactive and mounted on the joint purchase activation information of the joint purchase code, the joint purchase web server 110 pays the credit purchase activity information to the credit card 100 according to the joint purchase activation condition. Payment and settlement at a discounted amount through a second step, a third step, or a fourth step of transferring the terminal device 140, the joint purchase authentication server 135, or the credit card 100 to the payment server 145; In the case of the settlement, a refund corresponding to the discount amount and / or the discount rate will be given.

According to the present invention, when a client connects to the joint purchase web server 110 via wired or wireless Internet and requests joint purchase, the joint purchase web server 110 requests the joint purchase unique information for the product. After generating at least one or more of the joint purchase information, including the expiration date, the joint purchase product information, joint purchase discount information, joint purchase customer information, and joint purchase activation information, the joint purchase information Delivery to the co-purchase code providing server 105.

When the joint purchase code providing server 105 loads the joint purchase code as the joint purchase code D / B of the joint purchase management server 125 through the above-described process, the joint purchase web server 110 is attached to the corresponding joint purchase code. Information is stored in the joint purchase D / B of the joint purchase web server 110, and the credit card payment terminal 140, the joint purchase authentication server 135 and / or the joint purchase management server and / or credit as necessary. The card payment server 145 and the like.

The process of providing the co-purchase using the credit card 100 linked to the co-purchase management server 125 in which the co-purchase web server 110 stores the co-purchase code according to the present invention for a specific co-purchase product. In, if the activation condition for payment co-purchase of the present invention is satisfied based on the co-purchase activation conditions, the co-purchase web server 110 is the second and third steps and / or the second step of the present invention through the wired and wireless Internet The joint purchase activity information is transmitted to the credit card payment terminal device 140, the joint purchase authentication server 135, and / or the joint purchase management server and / or the credit card payment server 145 through the fourth step.

In the first step, the co-purchase activation information sets the co-purchase code providing server 105 to enable / disable the co-purchase activation information included in the co-purchase code, and the second, third and / or second steps. In step 4, the joint purchase is activated to the credit card settlement terminal device 140, the joint purchase authentication server 135, and / or the joint purchase management server and / or the credit card settlement server 145, and the discount amount according to the joint purchase and And / or apply the discount rate to each co-purchase payment and / or settlement amount.

The joint purchase code providing server 105 receives the joint purchase information described above from the joint purchase web server 110 and then includes the joint purchase information and the joint purchase code D / B of the joint purchase management server 125 ( Wired and wireless Internet, characterized in that for generating a code code (Data Code) can be stored in the form of a joint purchase code stored in the joint purchase code D / B (130) of the joint purchase management server 125 through the wired and wireless Internet Server on the server.

According to the present invention, the co-purchase code providing server 105 combines the co-purchase information delivered from the co-purchase web server 110 and credit card 100 information including the credit card 100 number of the client, Create a co-purchase code in the form of a data code that can be stored in the co-purchase code D / B 130 of the co-purchase management server 125.

When the joint purchase code is generated as described above, the joint purchase code providing server 105 transmits the generated joint purchase code to the joint purchase code D / B 130 of the joint purchase management server 125 through the wired or wireless Internet. It is characterized by a storage box.

The credit card 100 is a credit card for all kinds of credit card information including a credit card number to the credit card terminal 140 for credit settlement, and manages the joint purchase of the credit card 100. By interlocking with the co-purchase code stored in the co-purchase code D / B 130 of the server 125, it includes a feature used as a credit card 100 interlocked with the co-purchase code proposed by the present invention.

The credit card payment terminal 140 includes the functions of the existing offline credit card payment terminal 140 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). Output a list of purchased products through the device, and extracts the joint purchase code corresponding to the purchased product list from the joint purchase code D / B 130 of the joint purchase management server 125 through the joint purchase authentication server 135 Checking the joint purchase product authentication function, the function of checking the activation / deactivation of the joint purchase activation information by interpreting the joint purchase code after completing the joint purchase product authentication as described above, and confirming the joint purchase activation through the joint purchase code. If it is not possible for the co-purchase product co-purchase active from the co-purchase web server 110 to the credit card payment terminal 140 When the co-purchase is activated through the function of checking whether the co-purchase is activated for the co-purchase product, and the co-purchase activity check function as described above, the credit card payment terminal 140 checks the co-purchase code. Discount by applying the joint purchase discount policy to the payment amount of the joint purchase product through the included joint purchase discount information, and set the joint purchase activation information of the joint purchase code to be active and delivered to the joint purchase authentication server 135 It is characterized in that the role of the credit card payment terminal 140 mounted in the offline store with the added function.

According to the present invention, the credit card payment terminal 140 includes a function of a point of sales terminal (POS) for extracting a list of goods purchased from the credit card 100 of the credit card customer, or credit card payment It includes a feature that is linked with the POS of the terminal 140 outside. That is, the credit card payment terminal device 140 is the purchase product information obtained from the POS and the joint purchase authentication server 135 is extracted from the joint purchase code D / B 130 of the joint purchase management server 125 and forwarded Authorize the joint purchase product by checking the joint purchase product information included in the joint purchase code.

The VAN includes the existing function of providing credit card payment information between the credit card payment terminal 140 and the credit card payment server 145 of the credit card company, and is reserved without being currently used in a credit card payment information transaction. Co-purchase authentication server 135 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 code transaction independent of credit card payment information. ) To provide a co-purchase code extracted from the co-purchase code D / B (130) of the co-purchase management server 125 to the credit card payment terminal 140, and the co-purchase in the credit card payment terminal 140 A function of providing the credit card payment information to the credit card payment server 145 to which the co-purchase code and the purchase price of the co-purchase discount policy are set. Characterized in that it has been added.

Co-purchase authentication server 135 is a co-purchase code corresponding to the credit card information included in the credit card payment information delivered from the credit card payment terminal 140 in the process of payment by the credit card customer on-line offline Check whether the code is stored in the co-purchase code D / B 130 of the management server 125, extract the co-purchase code from the co-purchase code D / B 130, and then the co-purchase customer included in the co-purchase code. Co-purchase customer authentication function for credit card customers applying for co-purchase through credit card user information extracted from the information and credit card information (credit card payment terminal 140 is a co-purchase product authentication, co-purchase authentication server 135 ) Is a server on the wired / wireless Internet that provides dual authentication such as joint purchase customer authentication, etc., and the joint purchase management in which the joint purchase code proposed by the present invention is stored. Depending on the features and method of payment co-purchase system using the credit card 100 interlocked with the server 125, it is mounted on the co-purchase web server 110 side, or mounted on the credit card payment terminal device 140 side, It is mounted on the VAN side, or provides a feature that can be mounted on the credit card payment server 145 side. In the case of Figure 1 is characterized in that the joint purchase authentication server 135 is mounted on the VAN.

The joint purchase authentication server 135 extracts the joint purchase code from the joint purchase management server 125 through the credit card information included in the credit card payment information from the credit card payment terminal 140 to authenticate the joint purchase customer, After performing the joint purchase customer authentication through the joint purchase customer information included in the joint purchase code and the credit card user information extracted from the credit card information included in the credit card payment information, the joint purchase activation information of the corresponding joint purchase code. Make sure is set to active.

If the co-purchase activation information of the co-purchase code is set to active through the first step of the present invention, the co-purchase code may immediately discount the payment amount for the co-purchase product in the credit card payment terminal device 140. It is.

On the other hand, if the co-purchase activation information of the co-purchase code is set to inactive, the co-purchase code can not immediately discount the payment amount for the co-purchase product in the credit card payment terminal device 140, the present invention It can be discounted through four steps.

When the credit card payment terminal 140 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 code and the payment is processed through the credit card payment server 145.

Of course, even if the co-purchase is not activated through the above process, the credit card payment terminal 140 transmits the credit card payment information including the undiscounted payment amount and the co-purchase code to the credit card payment server 145. 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 settlement server 145 is a series of servers that perform tasks such as credit card settlement, 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, authorization, and settlement are included as they are, and additionally, the joint purchase activation information included in the joint purchase code through the credit card payment terminal 140 and the joint purchase authentication server 135. For the co-purchase payment amount is set to inactive, if the co-purchase activity information is delivered from the co-purchase web server 110 before the settlement of the payment amount, the co-purchase discount information based on the co-purchase activity information Settle the settlement amount by discount, and make the relevant joint settlement for the joint purchase settlement amount that is not discounted even in the settlement process as described above. If the joint purchase activity information is delivered from the joint purchase web server 110 before the joint purchase validity period included in the code, the amount of money corresponding to the joint purchase discount information is refunded to the predetermined amount, or the credit card 100 is applied. It is characterized by the provision in the form of royalties provided by the company.

Table 1 shows the structure of the preferred co-purchase code generated by the co-purchase code providing server 105.

The joint purchase code is the joint purchase information provided by the joint purchase web server 110, the joint purchase code provisioning policy of the joint purchase code providing server 105, and the joint purchase management server 125 on which the joint purchase code is installed. It may vary depending on the characteristics of the code D / B (130), Table 1 is for one preferred case of the configuration of the various types of joint purchase code as described above.

As described above, the joint purchase web server 110 is the joint purchase information on the joint purchase product requested by the client, the joint purchase unique information, joint purchase product information, joint purchase discount information, and joint purchase customer information, such as joint purchase Based on the activation condition, the joint purchase information including whether the joint purchase is activated or inactivated is generated and then transmitted to the joint purchase code providing server 105.

When the joint purchase information is delivered from the joint purchase web server 110 as described above, the joint purchase code providing server 105 joint purchases from the credit card issuer information of the issuer of the credit card 100 on the client and / or wired or wireless Internet. Extract the credit card information to be loaded with the code.

When the co-purchase information and credit card information are extracted as described above, the co-purchase code providing server 105 generates the co-purchase code in the form of a data code including the information as shown in Table 1.

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 110 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 sequentially assigned to the joint purchase application client who applied for the corresponding joint purchase product, and may include up to 9999 joint purchase clients.

The joint purchase validity period of the joint purchase information is expressed as the total purchase start time of 12 bytes and the joint purchase end time of the total 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 code 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. The barcode is an encoded label that uniquely indicates the type of the product. When the barcode of the joint purchase application client and the barcode of the product purchased in the store on or off of the credit card 100 customer are the same, The payment joint purchase using the credit card 100 equipped with the joint purchase code proposed by the present invention is disclosed. The joint purchase product information is used by the credit card payment terminal 140 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 payment using the credit card 100 equipped with the joint purchase code 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 identifies the joint purchase request client through a 13-digit social security number, which is unique personal information about the joint purchase request client. The joint purchase customer information is used in the process of authenticating the joint purchase customer by the joint purchase authentication server 135.

The joint purchase activation information of the joint purchase information has a size of 1 byte in total, and based on the joint purchase activation condition, the purchase of the joint purchase product through the joint purchase using the credit card 100 loaded with the joint purchase code 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 a 16 digit credit card number of the credit card 100 providing a storage medium on which the joint purchase code is loaded. The joint purchase code providing server 105 generates and mounts the joint purchase code with the credit card 100 corresponding to the credit card number, and the credit card payment terminal device 140 performs the credit card payment through the credit card number. The co-purchase authentication server 135 performs co-purchase customer authentication through user information and co-purchase customer information of the credit card 100 corresponding to the credit card number.

Table 1

Hereinafter, a method of performing joint purchase after payment using the credit card 100 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 co-purchase method after payment using the credit card 100 proposed in the present invention, co-purchase web server When the number of co-purchase request clients of 110 is above a certain level, the co-purchase activation condition is used.

However, the payment co-purchase method using the credit card 100 equipped with the co-purchase code proposed by the present invention may be applied to an online co-purchase application, an online co-purchase settlement method, and a method for implementing the co-purchase activation conditions in addition to the following flowchart. 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 generating a co-purchase code and storing it as a co-purchase code D / B 130 of the co-purchase management server 125.

The client accesses the co-purchase web server 110 and selects a co-purchase product to apply for co-purchase using the credit card 100 linked with the co-purchase management server 125 in which the co-purchase code proposed by the present invention is stored. The lower surface 200, the co-purchase web server 110 checks the co-purchase activation conditions and checks whether the co-purchase is activated / deactivated using the credit card 100 on which the co-purchase code is loaded (205).

If payment is made using the credit card 100 on which the co-purchase code is installed based on the co-purchase activation condition (210), the co-purchase web server 110 displays the co-purchase unique information, the co-purchase validity period, Co-purchase code providing server by setting co-purchase activation information active for co-purchase information including at least one of information such as co-purchase product information, co-purchase discount information, co-purchase customer information, and co-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 code is loaded is not activated based on the co-purchase activation condition (220), the co-purchase web server 110 provides the co-purchase unique information and the validity of the co-purchase period. Providing a joint purchase code 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 co-purchase information is delivered to the co-purchase code providing server 105 through the above process, the co-purchase code providing server 105 is a co-purchase management server storing the co-purchase code including the co-purchase information from a client ( In step 230, the credit card information associated with the input 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 code providing server 105 through the co-purchase customer information of the co-purchase information credit card company of the credit card (100) It is also possible to automatically extract the credit card 100 information issued to the co-purchase client by accessing the user D / B.

When the credit card 100 information to be loaded with the joint purchase code is input, the joint purchase code providing server 105 includes a joint card including the credit card 100 information linked to the joint purchase management server 125 in the joint purchase information. Generate a purchase code (235), and transmits and stores to the joint purchase code D / B (130) of the joint purchase management server 125 via the wired or wireless Internet (240).

When the joint purchase code providing server 105 generates the joint purchase code as described above and stored in the joint purchase D / B of the joint purchase management server 125, the joint purchase code providing server jointly purchases the corresponding joint purchase code information. The data is delivered to the web server 110 and stored in the joint purchase D / B (245).

3 is a simple flowchart of a second step of the present invention in which the co-purchase web server 110 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 110 at the same time as co-purchase commence, co-purchase management server 125 that does not directly co-purchase in co-purchase web server 110. The payment co-purchase of the present invention using the credit card 100 linked to the co-purchase code stored in the co-purchase promotion may be performed through the co-purchase web server 110 before the co-purchase commences.

Accordingly, the joint purchase web server 110 stores the joint purchase code information stored in the joint purchase code D / B 130 of the joint purchase management server 125 through the joint purchase code providing server 105. By extracting the co-purchase code information from / B, and confirming the co-purchase validity period of the co-purchase code, it is confirmed whether or not the co-purchase for the payment co-purchase is initiated (300), the process is a promotion (Promotion) For the corresponding joint purchase, the payment is repeated until the payment joint purchase using the credit card 100 loaded with the purchase code of the present invention is started.

If it is confirmed in the above process that the co-purchase of the payment co-purchase stored in the co-purchase code D / B 130 has been started (305), the co-purchase web server 110 by checking the expiration date of the co-purchase, In operation 310, the payment joint purchase is terminated after the expiration date.

If the expiration date for the corresponding payment co-purchase has expired and the payment co-purchase using the credit card 100 linked to the co-purchase code stored in the co-purchase management server 125 proposed by the present invention is terminated (315), The purchasing web server 110 deletes the corresponding joint purchase code information from the joint purchase code D / B 130 (320) and ends the third step of the present invention.

On the other hand, if the validity period for the settlement joint purchase has not elapsed (325), the joint purchase web server 110 checks whether the corresponding joint purchase is satisfied based on the joint purchase activation information (330).

If the joint purchase activation condition for the payment joint purchase is not satisfied (335), the joint purchase web server 110 checks whether the joint purchase activation condition is satisfied until the joint purchase validity period has elapsed for the joint purchase code information. Repeat the process.

On the other hand, if the co-purchase activation conditions for the co-purchase payment is satisfied (340), the co-purchase web server 110 provides the co-purchase activation information for the co-purchase code credit card payment terminal device 140, co-purchase authentication server By passing to each component of the payment co-purchase system, including (135) and / or co-purchase management server and / or credit card payment server (145) (345), each component of the payment co-purchase system is credit card In the process of purchasing, settling and settlement of the products purchased by the customer, the collective purchase discount policy corresponding to the collective purchase discount information is applied.

Figure 4 is a joint purchase authentication server 135 in the third stage in which the credit card customer purchases and pays the same product as the joint purchase request product, the joint purchase code D / B 130 of the joint purchase management server 125 It is a simple flowchart of a process of extracting a purchase code and transferring it to the credit card payment terminal 140.

Credit card customers with a credit card 100 linked with a joint purchase management server 125 storing the joint purchase code from the joint purchase code providing server 105 may purchase at the lowest cost online and offline. If the store purchases the same product as the co-purchase application product, and requests payment through the credit card 100 linked to the co-purchase code stored in the co-purchase management server 125 as described above (400), credit card payment The terminal device 140 extracts purchase goods information of the credit card customer from the POS and outputs a list of goods to be purchased on the screen of the credit card payment terminal device 140 (405).

When a list of purchases of credit card customers is output to the credit card payment terminal 140, the credit card payment terminal 140 automatically or through a confirmation process of the credit card customer, the credit card payment including the credit card information The information is transmitted to the joint purchase authentication server 135 and includes the same credit card information as the credit card information corresponding to the credit card information from the joint purchase code D / B 130 of the joint purchase management server 125. Request to extract the purchase code (410).

When the extraction of the joint purchase code stored in the joint purchase code D / B 130 of the joint purchase management server 125 from the credit card payment terminal device 140 to the joint purchase authentication server 135 is requested, The joint purchase authentication server 135 extracts the credit card information from the credit card payment information transmitted from the credit card payment terminal 140, and the joint purchase code including the same credit card information as the corresponding credit card 100 information is displayed. By checking whether the joint purchase code D / B 130 of the joint purchase management server 125 is stored, the credit card payment terminal 140 checks the possibility of extracting the joint purchase code requested.

If the co-purchase code including credit card 100 information identical to the credit card 100 information provided from the credit card 100 payment terminal 140 is the co-purchase code D / B of the co-purchase management server 125. If it is not present at 130 (415), the co-purchase authentication server 135 transmits the co-purchase code extraction error message to the credit card payment terminal 140 (420) and ends the co-purchase code extraction process.

On the other hand, if the co-purchase code including the same credit card information as the credit card information provided from the credit card payment terminal 140 is present in the co-purchase code D / B 130 of the co-purchase management server 125 (425) The joint purchase authentication server 135 interoperates with the joint purchase management server 125 to extract the corresponding joint purchase code from the joint purchase code D / B 130 (430), and joint purchase through the extracted joint purchase code. Authenticate the customer.

The process of authenticating the co-purchase customer may be performed by the credit card customer through the co-purchase customer information included in the co-purchase code and credit card user information extracted from the credit card information transmitted from the credit card payment terminal 140 (435). It is to verify whether the joint purchase application customer using the credit card 100 linked to the joint purchase code stored in the joint purchase management server 125 (440).

If the joint purchase customer authentication process fails (445), the joint purchase authentication server 135 transmits the joint purchase code extraction error message to the credit card payment terminal 140 (420), and the joint purchase code extraction process Quit.

On the other hand, if the joint purchase customer authentication process is successful (450), the joint purchase authentication server 135 checks whether the joint purchase activation information of the joint purchase code authenticated by the joint purchase customer is set to be active / deactivated (455). If the joint purchase activation information of the joint purchase code is set to active, the joint purchase code is delivered to the credit card payment terminal 140 and extracts the joint purchase discount information from the joint purchase code to settle the amount of the joint purchase price. You can immediately discount.

If the joint purchase activation information included in the joint purchase code is set to be active (460), the joint purchase authentication server 135 stores the joint purchase code extracted from the joint purchase management server 125 by the credit card payment terminal device ( 140) (465).

On the other hand, if the co-purchase activation information included in the co-purchase code is set to inactive (470), the co-purchase authentication server 135 transfers the co-purchase code to the co-purchase authentication server 135 through the second step. It is checked whether the purchased joint purchase activity information exists (475).

If there is co-purchase activity information delivered to the co-purchase authentication server 135 through the above process (480), the co-purchase authentication server 135 is a co-purchase of the co-purchase code extracted from the co-purchase management server 125 After changing the activation information to active (485), the co-purchase code is transmitted to the credit card payment terminal 140.

On the other hand, if the co-purchase activity cannot be confirmed even through the above process (490), the co-purchase authentication server 135 transmits the co-purchase code that is set to inactive to the credit card payment terminal 140. Of course, the co-purchase code delivered to the credit card payment terminal 140 through this process may be set to be active through the co-purchase activation information delivered to the credit card payment terminal 140 through a second step. If it is not set as active through the credit card payment terminal 140, the joint purchase activation information loaded with the corresponding joint purchase code may be changed to the setting through the fourth step.

Figure 5 is a joint purchase product through the joint purchase code transmitted from the joint purchase authentication server 135 to the credit card payment terminal 140 in a third step in which the credit card customer purchases and pays the same product as the joint purchase request product A simple flow chart for the process of processing a payment for.

When the joint purchase authentication server 135 through the process of FIG. 4 extracts the joint purchase code from the joint purchase code D / B 130 of the joint purchase management server 125 to the credit card payment terminal 140. 500, the credit card payment terminal device 140 is extracted to the credit card payment terminal device 140 through the POS and output to the output device through the co-purchase product information of the delivered co-purchase code and the process of FIG. 4. Check the list of purchased goods in 505 to authenticate the joint purchase goods.

If the joint purchase product authentication fails through the above process (510), the credit card payment terminal 140 transmits the credit card payment information to the credit card payment server 145 through the existing credit card payment method (515). After receiving the credit card payment authorization information from the credit card payment server 145 (520), a receipt is issued to the credit card customer.

On the other hand, if the joint purchase product authentication succeeds through the above process (525), the credit card payment terminal 140 checks whether the joint purchase activation information included in the joint purchase code for which the joint purchase product is authenticated is set to active. (530).

If the joint purchase activation information of the joint purchase code is set to be active (535), the credit card payment terminal 140 extracts the joint purchase discount information included in the joint purchase code (540) and then pays for the purchased product. The amount is discounted to the joint purchase price corresponding to the joint purchase discount information.

On the other hand, if the joint purchase activation information of the joint purchase code is not set to active (545), the credit card payment terminal 140 is credit card payment terminal 140 from the joint purchase web server 110 through a second step Check whether the co-purchase activity information transmitted to the system exists.

If there is such co-purchase activation information in the credit card payment terminal 140 (550), the credit card payment terminal 140 changes the co-purchase activation information of the co-purchase code set to inactive to the setting. In operation 555, after extracting the joint purchase discount information included in the joint purchase code, the payment amount of the purchased product is discounted to the joint purchase price corresponding to the joint purchase discount information (560).

On the other hand, even if the co-purchase active information does not exist in the credit card payment terminal 140 through the above process, the credit card payment terminal 140 receives the credit card payment information through the existing credit card payment method credit card payment server 145 In step 565, the credit card payment payment information is received from the credit card payment server 145, and a receipt is issued to the credit card customer (570).

However, if the price of the same purchase product and the same product purchased through the above process is discounted by the joint purchase price corresponding to the joint purchase discount information, the credit card payment terminal 140 is set to activate the joint purchase activation information Credit card payment information, including the payment amount discounted through the joint purchase code and the joint purchase discount information of the joint purchase code, is transferred to the credit card payment server 145, and the credit card ( 100) Receive payment authorization information and issue a receipt to the customer.

6 is a simple flowchart of a fourth step in which the credit card settlement server 145 approves and setstles a payment for a co-purchase product.

When the co-purchase code and the credit card payment information are transferred from the credit card payment terminal device 140 to the credit card payment server 145 and a payment authorization for the payment amount included in the credit card payment information is requested (600), The payment server 145 verifies the validity of the payment approval in a given order and event.

If the validity of the credit card payment information is not confirmed in the above process (605), the credit card payment server 145 generates a payment error code through the merchant information of the credit card payment information to the corresponding credit card terminal 140 Transfer to and ends the payment approval process (610).

On the other hand, if the validity of the credit card payment information is confirmed in the above process (615), the credit card payment server 145 generates the payment authorization information through the merchant information of the credit card payment information to the corresponding credit card terminal 140 Pass 620.

When the credit card payment server 145 normally transfers the payment approval information to the credit card terminal 140 through the above process, the credit card payment server 145 is jointly purchased with the credit card payment information. Check whether the co-purchase activation information included in the set is active (625).

If the joint purchase activation information included in the joint purchase code is set to be active, 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 device 140. Therefore, the credit card payment server 145 transmits the co-purchase code to the co-purchase web server 110, and deletes the co-purchase code from the credit card payment server 145, thereby providing a co-purchase code. 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 code is set to inactive (630), the payment amount included in the credit card 100 payment information is the joint purchase discount price through the credit card payment terminal 140 The payment amount is to be discounted by the joint purchase discount price in the process of the credit card payment server 145 to settle the payment amount.

Therefore, the credit card payment server 145 stores the joint purchase code in which the joint purchase activation information is set to inactive in the credit card payment server 145, and waits until the joint purchase validity period included in the joint purchase code (635). .

If the corresponding joint purchase validity period has elapsed while storing and waiting for the joint purchase code until the joint purchase validity period as described above (640), the credit card settlement server 145 performs the joint purchase web server 110 through the second step. Check whether there is co-purchase activity information received from 645.

If the joint purchase validity period has passed but the joint purchase activity information is not transmitted from the joint purchase web server 110 (650), the corresponding joint purchase using the credit card 100 loaded with the joint purchase code proposed by the present invention. Is canceled in the co-purchase web server 110. In this case, the credit card settlement server 145 deletes the stored co-purchase code and ends the discount process for the co-purchase payment amount using the credit card 100 equipped with the co-purchase code.

On the other hand, if the active purchase information has been delivered from the co-purchase web server 110 and stored in the credit card payment server 145 (step 655), the credit card payment server 145 has passed. The joint purchase activation information of the joint purchase code is set to be active, the joint purchase discount information is extracted from the joint purchase code, and the settlement amount is discounted and settled at the joint purchase discount price (660).

When the payment and settlement for the joint purchase using the credit card 100 equipped with the joint purchase code proposed by the present invention through the above process is normally performed, the credit card payment server 145 is the joint purchase web code By transmitting to the server 110 (665), the credit card payment server 145 by deleting the corresponding co-purchase code (670) payment co-purchase using the credit card 100 equipped with the co-purchase code proposed by the present invention Exits normally.

According to the present invention, after storing the co-purchase information promoted on the wired and wireless Internet in association with the credit card information and stored, and linked to the credit card when paying with the credit card during the purchase and payment of the product on and offline By using the stored co-purchase information stored at a large discount on the co-purchase price, it is effective to implement a co-purchase that has been made only on-line, even offline, and the range of purchase choice for the co-purchase product Overcoming the limitations of the co-purchase web server for purchasing promotions, the client can select the place to apply for co-purchase and purchase and pay for the co-purchase product, and also through the existing wired / wireless Internet. Joint purchases are discounted based on the joint purchase applicant. Because the amount or the discount rate is determined, if the co-purchase applicant cancels the co-purchase request due to remorse or other reasons, the co-purchase web server may not be able to properly handle the co-purchase characterized by the volume discount due to mass sales. The present invention is to overcome the problem of canceling the joint purchase of the joint purchase applicant according to the joint purchase applicants, as well as the joint purchase billing based on the co-purchase applicants, and also through the existing wired and wireless Internet The problem of purchasing a shopping mall is that it takes several days to receive and receive the purchased goods, and because the product is not checked and purchased directly, the return or refund process is complicated. And the problem that it takes a lot of time, According to the present invention by applying for a joint purchase on the web and can be purchased in the offline store, there is an advantage to solve the above problems.

Claims (100)

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 code providing server; A joint purchase code generation step of the joint purchase code providing server generating a joint purchase code (or data) based on the joint purchase information; A joint purchase code providing step of the joint purchase code providing server providing the generated joint purchase code (or data) with the client credit card information to a joint purchase management server located on a wired / wireless communication network; When the client purchases the same product as the product requested for the joint purchase through a credit card linked to the joint purchase code in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device receives the credit card from the credit card. Extracting information (or receiving from the credit card); Providing, by the credit card payment terminal device, the credit card information to an authentication server located on a wired / wireless communication network; Extracting a joint purchase code linked to the credit card information from the authentication server through the management server, and providing the extracted joint purchase code to the credit card settlement terminal device; Confirming, by the credit card payment terminal device, whether the joint purchase code is activated through the web server; And When the joint purchase code is activated as a result of confirming whether the joint purchase code is activated, discounting the settlement amount of the purchased product through the joint purchase discount information included in the joint purchase code at the credit card payment terminal device; Co-purchase payment method using a credit card interlocked with the server that stores the co-purchase code, including; The method of claim 1, When the generated joint purchase code (or data) satisfies an activation condition, the web server (or the joint purchase code providing server) provides activation information of the joint purchase code (or data) to a credit card payment terminal device. Co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, further comprising the step of. The method of claim 1, If the generated co-purchase code (or data) satisfies an activation condition, the web server (or co-purchase code providing server) providing the client with activation information of the co-purchase code (or data). Co-purchase payment method using a credit card interlocked with the server that stores the co-purchase code, characterized in that it comprises. The method of claim 3, wherein the web server (or the co-purchase code providing server) provides the client with activation information of the co-purchase code (or data). 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, Co-purchase using a credit card that works with a server that stores co-purchase codes, characterized in that it announces that co-purchase is enabled through all types of wired and wireless messaging, including wired messaging methods that include at least one email or instant messenger. Payment Method. 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 code by the web server, the joint purchase expiration date 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 code may include at least one or more discount amounts or discount rates for the joint purchase products corresponding to the discount information, customer information of the joint purchase request client corresponding to the joint purchase customer information, and joint purchase activity information. Co-purchase payment method using a credit card linked to a stored server. The method of claim 5, wherein the joint purchase unique information, 12-byte total size, the 8-digit co-purchase unique code and the four-character co-purchase index number characterized in that the co-purchase payment method using a credit card linked to the server storing the co-purchase code. The method of claim 6, wherein the 8-digit code purchase unique code, A number and / or code assigned by the web server to distinguish each joint purchase, which is represented by an alphabet of AZ and a number of 0-9. Collective payment method. The method of claim 6, wherein the four co-purchase index number, The number is sequentially assigned to the joint purchase application client applying for the joint purchase product, the joint purchase payment method using a credit card linked to the server, the joint purchase code, characterized in that up to 9999 joint purchase client. The method of claim 5, wherein the joint purchase validity period, A joint purchase settlement method using a credit card interworking with a server storing a joint purchase code, characterized by a total purchase start time 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 linked to the server that stores the co-purchase code, 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, 13-digit barcode number, characterized in that the co-purchase code is stored in the co-purchase method using a credit card linked to the server. The method of claim 5, wherein the joint purchase discount information, A total of 6 bytes in size, the amount of additional information discounted through the co-purchase code in the payment amount of the purchases of the credit card customer, the co-purchase using the credit card linked to the server that stores the co-purchase code Payment Method. The method of claim 5, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card linked to the server that stores the joint purchase code, characterized in that the 13-digit social security number that 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 linked to the server storing the co-purchase code, characterized in that it is represented by the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase code 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 linked to the server, the co-purchase code is stored, 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 linked to the server, the co-purchase code is stored. The method of claim 1, wherein the credit card, MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. How to make a purchase with a card. The method of claim 1, wherein the co-purchase code (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 loaded with the joint purchase code; Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that it comprises one or more. The method of claim 1, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that consisting of a credit card number system. The method of claim 1, wherein the co-purchase code (or data), The joint purchase payment method using a credit card linked to the server storing the joint purchase code, characterized in that the joint purchase activation information is included as active or inactive. The method of claim 1, wherein the co-purchase code (or data), Credit card interworking with the server that stores the co-purchase code, characterized in that it comprises a 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) Co-purchase payment method using. The method of claim 1, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the delivery information of the co-purchase product. The joint purchase discount information according to claim 1 or 21 or 22, wherein when the joint purchase code is activated as a result of checking whether the joint purchase code is activated, the joint purchase discount information included in the joint purchase code in the credit card payment terminal device. 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 (specific discount mart) information and / or affiliate group (franchise chain) information and / or shipping address information of the joint purchase product included in the joint purchase code. Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the payment by discounting the payment amount. The method of claim 1, wherein the co-purchase code (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 code to generate the joint purchase code (or data). Payment Method. The method of claim 1, wherein the co-purchase code (or data) generation step, And storing the generated co-purchase code (or data) in a predetermined database. The method of claim 1, wherein the credit card payment terminal device performs a payment by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase code. And a customer authentication step of checking whether the customer has applied for a joint purchase of the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase code. Co-purchase payment method using a credit card linked to the server where the co-purchase code is stored. The method of claim 1, wherein the credit card payment terminal device performs a payment by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase code. And extracting the joint purchase target product (or service) information included in the joint purchase code to verify whether the product (or service) is a joint purchase target product (or service). Joint purchase payment method using a credit card linked to the server where the joint purchase code is stored. The method of claim 1, wherein when the co-purchase code 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 co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, characterized in that it comprises at least one. The method of claim 1, wherein the joint purchase discount information, A credit card linked to a server storing a joint purchase code, wherein the credit card comprises information for discounting a payment amount included in the credit card payment information based on a discount amount or a discount rate of the joint purchase information included in the joint purchase code. Co-purchase 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 code providing server; A joint purchase code generation step of the joint purchase code providing server generating a joint purchase code (or data) based on the joint purchase information; A joint purchase code providing step of the joint purchase code providing server providing the generated joint purchase code (or data) with the client credit card information to a joint purchase management server located on a wired / wireless communication network; When the client purchases the same product as the product requested for the joint purchase through a credit card linked to the joint purchase code in an internet shopping mall or an offline store on a wired / wireless internet, the credit card from the credit card at the credit card payment terminal device Extracting information (or receiving from the credit card); Providing, by the credit card payment terminal device, the credit card information to an authentication server located on a wired / wireless communication network; Extracting a co-purchase code linked to the credit card information through the management server in the authentication server, and checking whether the co-purchase code is activated through the web server; When the joint purchase code is activated as a result of checking whether the joint purchase code is activated, providing the joint purchase discount information included in the joint purchase code or the joint purchase code from the authentication server to the credit card payment terminal device; And Discounting and paying the payment amount of the purchased product through the joint purchase code or the joint purchase discount information at the payment terminal device; the joint purchase payment using a credit card interworking with a server storing the joint purchase code; Way. The method of claim 30, When the generated joint purchase code (or data) satisfies an activation condition, providing the activation information of the joint purchase code (or data) to the authentication server by the web server (or joint purchase code providing server). Co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, further comprising. The method of claim 30, If the generated co-purchase code (or data) satisfies an activation condition, the web server (or co-purchase code providing server) providing the client with activation information of the co-purchase code (or data). Co-purchase payment method using a credit card interlocked with the server that stores the co-purchase code, characterized in that it comprises a. 33. The method of claim 32, wherein the web server (or co-purchase code providing server) provides activation information of the co-purchase code (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, Co-purchase using a credit card that works with a server that stores co-purchase codes, characterized in that it announces that co-purchase is enabled through all types of wired and wireless messaging, including wired messaging methods that include at least one email or instant messenger. Payment Method. The method of claim 30, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase code by the web server, the joint purchase expiration date 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 code may include at least one or more discount amounts or discount rates for the joint purchase products corresponding to the discount information, customer information of the joint purchase request client corresponding to the joint purchase customer information, and joint purchase activity information. Co-purchase payment method using a credit card linked to a stored server. The method of claim 34, wherein the joint purchase unique information, 12-byte total size, the 8-digit co-purchase unique code and the four-character co-purchase index number characterized in that the co-purchase payment method using a credit card linked to the server storing the co-purchase code. 36. The system of claim 35, wherein the eight digit co-purchase unique code is A number and / or code assigned by the web server to distinguish each joint purchase, which is represented by an alphabet of AZ and a number of 0-9. Collective payment method. 36. The method of claim 35, wherein the four purchasing joint index number, The number is sequentially assigned to the joint purchase application client applying for the joint purchase product, the joint purchase payment method using a credit card linked to the server, the joint purchase code, characterized in that up to 9999 joint purchase client. 35. The method of claim 34, wherein the collective purchase validity period, A joint purchase settlement method using a credit card interworking with a server storing a joint purchase code, characterized by a total purchase start time of 12 bytes and a joint purchase end time of a total of 12 bytes. 35. The method of claim 34, wherein the collective purchase validity period, Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the year / month / day / hour / minute / second. The method of claim 34, wherein the joint purchase product information, 13-byte total size, 13-digit bar code number, characterized in that the co-purchase code stored in the co-purchase code is stored in the co-purchase method. The method of claim 34, wherein the joint purchase discount information, A total of 6 bytes in size, the amount of additional information discounted through the co-purchase code in the payment amount of the purchases of the credit card customer, the co-purchase using the credit card linked to the server that stores the co-purchase code Payment Method. The method of claim 34, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card linked to the server that stores the joint purchase code, characterized in that the 13-digit social security number that is unique personal information for the joint purchase request client. The method of claim 34, wherein the credit card information, 16-byte size, the co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase code is mounted. The method of claim 34, 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 linked to the server, the co-purchase code is stored, characterized in that it comprises a number. The method of claim 34, 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 linked to the server, the co-purchase code is stored. The method of claim 30, wherein the credit card, MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. How to make a purchase with a card. The method of claim 30, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, characterized in that it comprises the form of an applet. The method of claim 30, wherein the co-purchase code (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 loaded with the joint purchase code; Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that it comprises one or more. The method of claim 30, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that consisting of a credit card number system. The method of claim 30, wherein the co-purchase code (or data), The joint purchase payment method using a credit card linked to the server storing the joint purchase code, characterized in that the joint purchase activation information is included as active or inactive. The method of claim 30, wherein the co-purchase code (or data), Credit card interworking with the server that stores the co-purchase code, characterized in that it comprises a 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) Co-purchase payment method using. The method of claim 30, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the delivery information of the co-purchase product. 52. The method of claim 30 or 51 or 52, wherein the credit card payment terminal apparatus performs a payment by discounting a 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 code or the joint purchase discount information and / or delivery address information of the joint purchase product Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the payment by discounting the payment amount of the purchased goods. 31. The method of claim 30, wherein generating the co-purchase code (or data), 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 code to generate the joint purchase code (or data). Payment Method. 31. The method of claim 30, wherein generating the co-purchase code (or data), And storing the generated co-purchase code (or data) in a predetermined database. 31. The method of claim 30, wherein the credit card payment terminal device performs a payment by discounting the payment amount of the purchased product through the joint purchase code or the joint purchase discount information included in the joint purchase code. And a customer authentication step of checking 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 the credit card user information included in the joint purchase code. Co-purchase payment method using a credit card linked to the server where the co-purchase code is stored. 31. The method of claim 30, wherein the credit card payment terminal device performs a payment by discounting the payment amount of the purchased product through the joint purchase code or the joint purchase discount information included in the joint purchase code. And extracting the joint purchase target product (or service) information included in the joint purchase code to verify whether the product (or service) is a joint purchase target product (or service). Joint purchase payment method using a credit card linked to the server where the joint purchase code is stored. 31. The method of claim 30, wherein when the co-purchase code 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 co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, characterized in that it comprises at least one. The method of claim 30, wherein the joint purchase discount information, A credit card linked to a server storing a joint purchase code, wherein the credit card comprises information for discounting a payment amount included in the credit card payment information based on a discount amount or a discount rate of the joint purchase information included in the joint purchase code. Co-purchase 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 code providing server; A joint purchase code generation step of the joint purchase code providing server generating a joint purchase code (or data) based on the joint purchase information; A joint purchase code providing step of the joint purchase code providing server providing the generated joint purchase code (or data) with the client credit card information to a joint purchase management server located on a wired / wireless communication network; When the client purchases the same product as the product requested for the joint purchase through a credit card linked to the joint purchase code in an internet shopping mall on a wired / wireless internet or a store on an offline store, the credit card payment terminal device receives the credit card from the credit card. Extracting information (or receiving from the credit card); Providing, by the credit card payment terminal device, the credit card information to an authentication server located on a wired / wireless communication network; Extracting a joint purchase code linked to the credit card information from the authentication server through the management server, and providing the extracted joint purchase code to the credit card settlement terminal device; Providing, by the credit card payment terminal device, the extracted joint purchase code 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 code is activated through the web server; And When the joint purchase code is activated as a result of confirming whether the joint purchase code is activated, discounting the payment amount based on the joint purchase discount information included in the joint purchase code in the credit card payment server; Co-purchase payment method using a credit card interlocked with the server that stores the co-purchase code made including. The method of claim 60, When the generated joint purchase code (or data) satisfies an activation condition, the web server (or joint purchase code providing server) provides activation information of the joint purchase code (or data) to the credit card settlement server. Co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, further comprising the step. The method of claim 60, If the generated co-purchase code (or data) satisfies an activation condition, the web server (or co-purchase code providing server) providing the client with activation information of the co-purchase code (or data). Co-purchase payment method using a credit card interlocked with the server that stores the co-purchase code, characterized in that it comprises a. 63. The method of claim 62, wherein the web server (or co-purchase code provisioning server) provides activation information of the co-purchase code (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, Co-purchase using a credit card that works with a server that stores co-purchase codes, characterized in that it announces that co-purchase is enabled through all types of wired and wireless messaging, including wired messaging methods that include at least one email or instant messenger. Payment Method. The method of claim 60, wherein the joint purchase information, The joint purchase unique information corresponding to the unique number assigned to the joint purchase code by the web server, the joint purchase expiration date 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 code may include at least one or more discount amounts or discount rates for the joint purchase products corresponding to the discount information, customer information of the joint purchase request client corresponding to the joint purchase customer information, and joint purchase activity information. Co-purchase payment method using a credit card linked to a stored server. The method of claim 64, wherein the joint purchase unique information, 12-byte total size, the 8-digit co-purchase unique code and the four-character co-purchase index number characterized in that the co-purchase payment method using a credit card linked to the server storing the co-purchase code. 66. The method of claim 65, wherein the 8-digit co-purchase unique code is A number and / or code assigned by the web server to distinguish each joint purchase, which is represented by an alphabet of AZ and a number of 0-9. Collective payment method. 66. The method of claim 65, wherein the four co-purchase index number, A joint purchase payment method using a credit card interworking with a server storing a joint purchase code 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. 65. The method of claim 64, wherein the collective purchase validity period is, A joint purchase settlement method using a credit card interworking with a server storing a joint purchase code, characterized by a total purchase start time of 12 bytes and a joint purchase end time of a total of 12 bytes. 65. The method of claim 64, wherein the collective purchase validity period is, Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the year / month / day / hour / minute / second. The method of claim 64, wherein the joint purchase product information, 13-byte total size, 13-digit bar code number, characterized in that the co-purchase code stored in the co-purchase code is stored in the co-purchase method. The method of claim 64, wherein the joint purchase discount information, A total of 6 bytes in size, the amount of additional information discounted through the co-purchase code in the payment amount of the purchases of the credit card customer, the co-purchase using the credit card linked to the server that stores the co-purchase code Payment Method. The method of claim 64, wherein the co-purchase customer information, 13-byte total size, the joint purchase payment method using a credit card linked to the server that stores the joint purchase code, characterized in that the 13-digit social security number that is unique personal information for the joint purchase request client. The method of claim 64, wherein the credit card information, 16-byte size, the co-purchase payment method using a credit card linked to the server storing the co-purchase code, characterized in that it is represented by the 16-digit credit card number of the credit card providing a storage medium on which the co-purchase code is mounted. The method of claim 64, 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 linked to the server, the co-purchase code is stored, characterized in that it comprises a number. The method of claim 64, 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 linked to the server, the co-purchase code is stored. 61. The method of claim 60, wherein the credit card is MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. How to make a purchase with a card. 61. The method of claim 60, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, characterized in that it comprises the form of an applet. 61. The method of claim 60, wherein the co-purchase code (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 loaded with the joint purchase code; Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that it comprises one or more. 61. The method of claim 60, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that consisting of a credit card number system. 61. The method of claim 60, wherein the co-purchase code (or data), The joint purchase payment method using a credit card linked to the server storing the joint purchase code, characterized in that the joint purchase activation information is included as active or inactive. 61. The method of claim 60, wherein the co-purchase code (or data), Credit card interworking with the server that stores the co-purchase code, characterized in that it comprises a 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) Co-purchase payment method using. 61. The method of claim 60, wherein the co-purchase code (or data), Co-purchase payment method using a credit card linked to the server that stores the co-purchase code, characterized in that the delivery information of the co-purchase product. 83. The method of claim 60, 81, or 82, wherein the credit card settlement server discounts the settlement amount based on the joint purchase discount information included in the joint purchase code, and performs post settlement. Check the specific credit card affiliate store (specific discount mart) information and / or merchant group (franchise chain store) information and / or delivery address information of the joint purchase product included in the joint purchase code or the joint purchase discount information at the credit card settlement server; The payment method for the joint purchase using a credit card linked to the server storing the joint purchase code, characterized in that the payment by discounting the payment amount of the purchased goods. 61. The method of claim 60, wherein the co-purchase code (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 code to generate the joint purchase code (or data). Payment Method. 61. The method of claim 60, wherein the co-purchase code (or data) generation step, And storing the generated co-purchase code (or data) in a predetermined database. 61. The method of claim 60, wherein the credit card settlement server discounts the settlement amount based on the joint purchase discount information included in the joint purchase code, and then performs the post settlement process. And a customer authentication step of checking whether the customer has applied for a joint purchase of the payment product (or service) by matching the joint purchase application client customer information and credit card user information included in the joint purchase code. Co-purchase payment method using a credit card linked to the server where the co-purchase code is stored. 61. The method of claim 60, wherein the credit card settlement server discounts the settlement amount based on the joint purchase discount information included in the joint purchase code, and performs post settlement. Post-payment processing at the credit card payment server, refund the discount amount, or provide a royalty corresponding to the discount amount co-purchase payment method using a credit card linked to the server storing the joint purchase code. 61. The method of claim 60, wherein when the co-purchase code 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 co-purchase payment method using a credit card linked to the server, the co-purchase code is stored, characterized in that it comprises at least one. The method of claim 60, wherein the joint purchase discount information, A credit card linked to a server storing a joint purchase code, wherein the credit card comprises information for discounting a payment amount included in the credit card payment information based on a discount amount or a discount rate of the joint purchase information included in the joint purchase code. Co-purchase 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 code providing server receiving the joint purchase information generated by the web server and generating a joint purchase code; A joint purchase management server which receives and stores the joint purchase code from the joint purchase code providing server; A credit card payment terminal device which extracts (or is provided from the credit card) credit card information from the client payment means (or credit card); And And a certificate server for receiving the credit card information from the credit card payment terminal device and extracting a joint purchase code linked to the credit card through the management server, and paying the joint purchase code extracted from the certificate server. The credit card payment terminal device when the joint purchase code is activated as a result of providing the terminal device and checking whether the joint purchase code is activated through the web server in the payment terminal device and confirming whether the joint purchase code is activated The joint purchase payment system using a credit card interlocked with a server that stores a joint purchase code for paying by discounting the payment amount of the purchased product through the joint purchase discount information included in the joint purchase code. 91. The method of claim 90, wherein the web server, Co-purchase payment system using a credit card linked to the server, the co-purchase code providing server, the co-purchase management server, or the co-purchase code, characterized in that the same. The method of claim 90, wherein the client payment means (or credit card), MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. 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 code providing server receiving the joint purchase information generated by the web server and generating a joint purchase code; A joint purchase management server which receives and stores the joint purchase code from the joint purchase code providing server; A credit card payment terminal device which extracts (or is provided from the credit card) credit card information from the client payment means (or credit card); And And a certificate server for receiving the credit card information from the credit card payment terminal device and extracting a joint purchase code linked with the credit card through the management server, wherein the joint purchase is performed through the web server. After confirming the activation of the code and confirming the activation of the joint purchase code, if the joint purchase code is activated, the joint purchase code or the joint purchase code included in the joint purchase code or the joint purchase code from the authentication server to the credit card payment terminal device Using a credit card interoperating with a server storing the joint purchase code for providing discount information and discounting the settlement amount of the purchased product through the joint purchase discount information included in the joint purchase code in the credit card payment terminal device. Collective purchase payment system. 94. The method of claim 93, wherein the web server, Co-purchase payment system using a credit card linked to the server, the co-purchase code providing server, the co-purchase management server, or the co-purchase code, characterized in that the same. 94. The method of claim 93, wherein the client payment means (or credit card), MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. Co-purchase payment system using a card. 94. The method of claim 93, wherein the authentication server, It is mounted on the web server side, mounted on the credit card payment terminal device side, mounted on the management server, mounted on the value added network (VAN) side, or mounted on the credit card payment server side Co-purchase payment system using a credit card linked to the server where the co-purchase code is stored. 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 code providing server receiving the joint purchase information generated by the web server and generating a joint purchase code; A joint purchase management server which receives and stores the joint purchase code from the joint purchase code providing server; A credit card payment terminal device which extracts (or is provided from the credit card) credit card information from the client payment means (or credit card); An authentication server receiving the credit card information from the credit card payment terminal device and extracting a joint purchase code linked to the credit card through the management server; And And a credit card payment server for checking whether the joint purchase code is activated. Providing the co-purchase code extracted from the authentication server to the payment terminal device, providing the co-purchase code from the payment terminal device to the credit card payment server, and the co-purchase code from the credit card payment server through the web server. After confirming whether the purchase code is activated or not, if the joint purchase code is activated, when the joint purchase code is activated, the credit card payment server pays the purchase product through the joint purchase discount information included in the joint purchase code. Co-purchase payment system using a credit card linked to the server that stores the co-purchase code to settle the discount amount from the amount. The method of claim 97, wherein the web server, Co-purchase payment system using a credit card linked to the server, the co-purchase code providing server, the co-purchase management server, or the co-purchase code, characterized in that the same. The method of claim 97, wherein the authentication server, It is mounted on the web server side, mounted on the credit card payment terminal device side, mounted on the management server, mounted on the value added network (VAN) side, or mounted on the credit card payment server side Co-purchase payment system using a credit card linked to the server where the co-purchase code is stored. The method of claim 97, wherein the client payment means (or credit card), MS (Magnetic Stripe) payment method (or credit card), one-chip and / or dual chip wireless payment method (or credit card), memory wireless payment method (or credit card), slot wireless Credit interoperating with a server storing a joint purchase code, characterized in that it comprises at least one payment means (or credit card) and a payment means (or credit card) in the form of a smart card on which an IC (Integrated Circuit) chip is mounted. Co-purchase payment system using a card.