KR20060062674A - System and method for selecting the affiliated store coped with community, server, payment terminal and recording medium - Google Patents

Abstract

The present invention relates to a method and system for selecting a franchise point corresponding to a community, comprising: a first step of establishing a predetermined community group in cooperation with at least two clients in a server on a network; A second step of correlating the settlement means information owned by the clients and the community group information and storing the same in a predetermined storage medium; and a second step of communicating, from at least two merchant clients that sell the community group- A third step of receiving merchandise selling condition information for a group member and a third step of receiving merchandise selling condition information for a group member when the merchant corresponding to the community group is selected through comparison between the at least two offered merchandise selling condition information, And said affiliate A product sales condition information presented to process information associated with the community group, and a fourth step of storing in the storage medium.

As a result, the community having the purchasing power can be activated, and the revenue generation can be expected.

Card company, community

Description

 TECHNICAL FIELD [0001] The present invention relates to a method and system for selecting an affiliate store corresponding to a community, a server, a payment terminal,             

FIG. 1 is a simplified block diagram of a franchise point selection system corresponding to a community according to a preferred embodiment of the present invention.

2 is a functional block diagram of a server on a merchant selection system corresponding to a community according to a preferred embodiment of the present invention.

3 is a functional block diagram of a predetermined settlement terminal provided in an affiliate shop client in a merchant selection system corresponding to a community according to a preferred embodiment of the present invention.

4 is a flowchart illustrating a process of selecting a franchisee corresponding to a community according to a preferred embodiment of the present invention.

FIG. 5 is a flowchart illustrating a process of confirming the community group member at the merchant after selecting an affiliate shop corresponding to the community according to a preferred embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

100: server 105: storage medium

110: Merchant client 115: Payment terminal

120: Community group 125: Member client

200: Receiving unit 205: Community group identifying unit

210: Merchant identification part 215: Group opening department

220: storage unit 225: merchandise sales condition confirmation unit

230: Information providing unit 235:

240: Incentive Offering

300: control unit 305: memory

310: Screen output unit 315: Key input unit

320: print output unit 325: transaction communication unit

330: Card reader unit

The present invention is characterized in that at least two commodity selling condition information provided from at least two merchant points providing commodity selling condition information targeted for a predetermined community group member opened in cooperation with at least two clients is compared to correspond to the community group The present invention relates to a method and system for selecting a franchisee corresponding to a community for selecting an affiliated franchisee.

Recently, financial companies (eg, credit card companies) are making efforts to secure customers and increase profits by expanding financial infrastructure and developing various products for customer satisfaction.

However, the efforts of financial institutions have been relatively limited due to the development of new products and improvement of customer service. At the present time, the internet homepage of the financial company provided on the Internet has been limited to the provision of financial services.

In addition, since each financial company has pursued sales targeting individual customers, it is true that they overlooked the purchasing power of groups and communities.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a system and method for establishing a predetermined community group in cooperation with at least two clients, And a server on the network for correlating the community group information and storing the community group information in a predetermined storage medium.

Another object of the present invention is to provide a method and system for providing merchandise to a merchant through a comparison of at least two merchandise sales condition information provided from at least two merchant clients, And stores a merchandise selling condition information in association with the community group information and stores the merchandise selling condition information in the storage medium.

It is still another object of the present invention to provide a system and method for a mobile communication terminal, which are located in a merchant client and include a memory for storing client information and / or payment means information of a specific community group member, And a control unit for checking whether the client information and / or the payment means information of the client requesting the settlement processing match with the client information and / or the payment means information of the specific community group member.

According to another aspect of the present invention, there is provided a method of selecting a franchise point corresponding to a community, the method comprising: a first step of establishing a predetermined community group in cooperation with at least two clients in a server on a network; A second step of correlating the payment method information owned by the clients and the community group information and storing the information in a predetermined storage medium; and a second step of receiving, from at least two merchant clients, A third step of receiving merchandise sales condition information for a member of a community group, and a third step of receiving merchandise selling condition information for a member of the community group, And And a fourth step of associating merchandise selling condition information provided by the merchant with the community group information and storing the merchandise selling condition information in the storage medium.

In addition, the present invention is characterized in that when the community group member clients purchase goods at an affiliated store, the server interacts with the storage medium to store the merchandise sales conditions of the community group member clients And providing a predetermined incentive corresponding to the purchase of the commodity.

According to the present invention, at the merchant selected in correspondence with the community group, confirmation of the merchant information and / or confirmation of the merchandise sales condition presented by the merchant at the time of purchase of the merchandise by the community group member clients is confirmed by the server, Lt; / RTI >

Preferably, when confirming the merchant information and / or confirming the merchandise selling conditions offered by the merchant, the community group member clients may purchase the merchandise from the community group member clients Or the client information read out from the predetermined payment approval request telegram in accordance with the stored payment method information and / or client information, and then, in cooperation with the storage medium, confirms the community group corresponding to the read payment means information and / And the server confirms the merchant information for selling the community group related merchandise corresponding to the identified community group in cooperation with the storage medium, Group related products The step of determining whether to be consistent with the merchant selling information may further include.

The method may further include the steps of: when the community group member clients purchase a product at an affiliated store, the server reads predetermined merchandise information from a predetermined payment approval request text based on the purchase of the goods by the community group member clients; And checking the predetermined merchandise sales condition information linked with the read out merchant information.

Preferably, when confirming the merchant information and / or the merchandise selling condition presented by the merchant, the server provides the client information and / or the payment means information of the community group member to the selected merchant client Storing the client information and / or payment means information of the community group member in the merchant client in a predetermined storage medium; and when the merchant purchases the merchandise from the merchant client, Further comprising checking whether the goods purchasing client is the community group member based on the client information and / or the payment means information, wherein, in response to the confirmation result, You can sell the products by applying the conditions.

Here, the storage medium for storing the client information and / or the payment means information of the community group member provided to the selected merchant client in the server may be a payment terminal (for example, a memory provided in the payment terminal, ).

According to the present invention, the merchandise sales condition information provided by the merchant corresponding to the community group includes a predetermined product discount condition and / or a point / mileage providing condition and / Or a predetermined service provision condition to be provided to the community group members.

According to another aspect of the present invention, there is provided a method for managing a community group related product, the method comprising: receiving information related to the community group related product (or an affiliate shop that sells the product) (Or a merchant selling the goods) to the bulletin board assigned to the community group, and / or transmitting the information to the community member clients.

In addition, the present invention provides a method for providing information related to a community group related merchandise (or an affiliate shop for selling the merchandise) from an affiliate shop client that sells the community group related merchandise, Determining whether the merchant client is a merchant client that sells the selected community group related merchandise; and if the merchant client is a merchant merchant selected as a result of the checking, , And / or transmitting the information to the community members' clients. [0033] The present invention is not limited to the above-described embodiments.

According to the present invention, when the merchant client that sells the community group related product provides the information related to the community group related goods (or the merchant that sells the goods) And adding a predetermined information provision fee (or a fee) to the merchant client that provides information related to the merchant selling the merchandise.

Here, the information related to the community group related product (or the merchant that sells the goods) provided by the merchant client that sells the community group related product may include at least one of the community group related product sales discount information and / Related product price information, precautions on usage of the community group related products, and location information of an affiliate shop that sells the community group related product.

According to the present invention, the first step of establishing a predetermined community group in cooperation with at least two clients in the server on the network includes receiving predetermined community information from a client desiring to establish a specific community group in the server, And establishing a predetermined community group corresponding to the community information.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the present embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to like elements throughout. It should be noted, however, that the same reference numerals are used for the same components shown in the different drawings.

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. For example, the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It will be obvious to those skilled in the art.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

FIG. 1 is a simplified block diagram of a franchise point selection system corresponding to a community according to a preferred embodiment of the present invention.

1 is a block diagram showing a server 100 on a network including at least one or more financial service companies including a card company server or a bank server, a mobile communication company server, etc., and a merchant client 110 ) And a community group 120. In the present embodiment,

More specifically, referring to FIG. 1, a predetermined community group 120 is established in cooperation with at least two clients, and the community group member client information and / or the settlement means owned information of the clients and the community group information A server 100 on a network that stores the community group related goods in a predetermined storage medium 105, and a server 100 for providing the community group related goods to the community group member client And at least two franchisee clients (110).

According to the present invention, the server 100 establishes a predetermined community group 120 in cooperation with at least two clients, and transmits the generated community group member client information and / And the group information is interrelated and stored in a predetermined storage medium 105. FIG.

Here, the payment means of the client, which is stored in the storage medium 105 in association with the community group member client information and / or the community group information, And may be a payment means issued by the server 100 (e.g., credit card company) as a payment means used for purchasing a product.

The payment means may include at least one of a credit card payment means, a financial account payment means, a debit card payment means, a prepaid card payment means, an electronic money payment means, and a mobile payment means.

Also, the server 100 may receive merchandise selling condition information for the community group member client from at least two merchant client 110 that sells the community group merchandise, and may receive at least two merchant merchant clients 110 And the merchandise selling condition information provided by the merchant is transmitted to the community group information server 120 through the community group information 120. In addition, And stores it in the storage medium (105).

In addition, when the community group member clients purchase the community group related goods and the like from an affiliated store corresponding to the community group 120, the server 100 may interact with the store customer 105 (E.g., point or mileage) corresponding to the purchase of goods by the members of the community group member according to the goods selling condition corresponding to the goods selling condition information provided by the community group member clients.

In addition, when the community group member clients purchase merchandise at a predetermined merchant, the server 100 stores predetermined payment means information read from a predetermined payment approval request text based on the merchandise purchase of the community group member clients, And / or client information, and then confirms the community group 120 corresponding to the read out payment means information and / or client information, in cooperation with the storage medium 105.

In addition, the server 100, in cooperation with the storage medium 105, confirms the merchant information for selling the community group related goods corresponding to the confirmed community group 120, It is possible to determine whether or not the merchant information is consistent with the merchant information that sells the confirmed community group related merchandise.

Also, the server 100 may provide the client information and / or payment means information of the community group member to the selected merchant client 110, and send the client information of the community group member to the merchant client 110 And / or the settlement means information so that when the community group member client purchases a commodity at the merchant, the commodity purchasing client transmits the commodity purchasing request to the commodity purchasing client based on the community group member client information and / You can make sure that you are a member of the community group.

Further, according to the present invention, the product includes an intangible service product including at least one type of product, and / or a lodging product provided at a lodging facility, a travel product provided by a travel agency or the like, .

A client participating as a member in a predetermined community group shown in FIG. 1 is connected to the server 100 to process a predetermined community group 120 or to perform a joining operation, etc., and the merchant client 110 And a wired or wireless terminal for receiving the merchandise information or the like provided through the server 100.

In addition, the merchant client 110 shown in FIG. 1 may provide predetermined merchandise sales condition information for the community group 120 and / or the community group member client to the server 100 according to the present invention .

Here, the merchandise sales condition information provided by the merchant client 110 may include a predetermined product discount condition and / or a point or mileage providing condition applied to the community group member clients at the time of selling the merchandise, and / And a predetermined service provision condition to be provided to the member clients, wherein the community group member client can be applied to a case where the community group related product is purchased from the merchant.

2 is a functional block diagram of the server 100 on the merchant selection system corresponding to the community according to the preferred embodiment of the present invention.

FIG. 2 is a diagram showing a server 100 according to the present invention, which has a function of selecting a predetermined franchise corresponding to a community according to the present invention on a franchise point selection system corresponding to the community, A detailed description of predetermined functions provided in the server 100 will be given.

Referring to FIG. 2, the server 100 for realizing a function of selecting a predetermined franchise corresponding to the community includes a group setting unit 215 for establishing a predetermined community group 120 in cooperation with at least two clients A storage unit 220 for correlating the community group member client information and / or the settlement means owned by the clients with the community group information and storing the same in a predetermined storage medium 105; And a receiving unit (200) for receiving at least two merchant point client (110) selling merchandise sales condition information for the community group member client.

Preferably, the group establishing unit 215 may be configured such that a client that desires to establish a specific community group 120 corresponding to a predetermined franchise point is connected to the server 100 through a predetermined terminal (such as a wired or wireless terminal) The user can provide a group establishment interface associated with the group establishment request to the client through the terminal. In this case, when the user wants to open the specific community group 120, Receives predetermined community information to be opened, and opens a predetermined community group 120 based on the received community information.

Preferably, the storage unit 220 stores a predetermined group of clients in the group establishment unit 215 and / or a predetermined client group in the established community group 120 as a member client of the community group 120 Or associating the community group member client information and / or the settlement means owned information provided by the client with the community group information and storing the same in a predetermined storage medium (105) do.

The storage unit 220 may store at least two merchandise sales condition information from at least two merchant clients 110 in the predetermined merchant selection process corresponding to the community group 120 according to the present invention. The merchandise sales condition information provided by the at least two merchant point clients 110 is compared with each other, and when the merchant corresponding to the community group 120 is selected, the selected merchant point information is presented to the merchant A sales item condition information may be processed in association with the community group information and stored in the storage medium 105. [

Preferably, the server 100 compares merchandise sales condition information provided by the at least two merchant clients 110 to select an affiliate shop corresponding to the community group 120. At this time, The merchant client 110 that presents the most favorable conditions to the server 120 and / or the merchant client 110 may be selected.

For example, in the merchandise sales condition information provided by the at least two merchant point clients 110, it is possible to provide a discount for a larger number of merchandise and / or to provide a discount rate for the merchandise and / The merchant client 110 that presents the merchandise sales condition information including the merchandise sales conditions for the community group 120 may be selected as the merchant corresponding to the community group 120. [

Referring to FIG. 2, after the merchant corresponding to the community group 120 is selected, the server 100 purchases a predetermined commodity (e.g., a commodity-related commodity, etc.) from the merchant The merchandise sales condition information corresponding to the merchandise sales condition information presented by the merchant client 110 in cooperation with the storage medium 105 in which the selected merchant information and the merchandise sales condition information provided by the merchant are linked and stored And an incentive provider 240 for providing a predetermined incentive corresponding to the purchase of the products of the community group member clients.

Here, the incentives provided in correspondence with the purchase of goods by the community group member clients may include points, mileage and / or purchase amount discounts and / or additional services (for example, coupons, . ≪ / RTI >

According to this figure, when the community group member clients purchase a predetermined commodity at an affiliated store, the server 100 transmits a predetermined payment request read from a predetermined payment approval request text based on the commodity purchase of the community group member clients A community group identification unit 205 for reading the means information and / or the client information and confirming the community group 120 corresponding to the read out payment means information and / or the client information in cooperation with the storage medium 105 ) Associated with the community group (120) corresponding to the identified community group (120) in cooperation with the storage medium (105), and the affiliated store information read from the payment approval request telegram A franchisee that determines whether it matches the merchant information that sells the confirmed community group related products It can be configured to further include a unit (210).

Preferably, when the community group member clients purchase a predetermined commodity from the merchant, the merchant confirming unit 210 identifies the merchant information included in the predetermined payment approval request for the commodity purchase of the community group member clients (For example, a merchant code or the like) to read the merchant information on the merchant from the payment approval request telegram.

The server 100 may further include a merchandise sales condition check unit for checking the predetermined merchandise sales condition information associated with the merchant store information read out through the merchant store identification unit 210 in cooperation with the storage medium 105, (Not shown).

The server 100 may further include an information provider 230 for providing client information and / or payment means information of the community group member to the merchant client 110 selected to correspond to the community group 120 .

Preferably, the information providing unit 230 provides the client information and / or the payment means information of the community group member to the merchant client 110 so that when the community group member clients purchase goods at the merchant, The merchant client 110 can confirm that the client purchasing the merchandise is a member client of the community group 120 corresponding to the merchant.

Referring to FIG. 2, the server 100 further includes a receiving unit 200 for receiving information on the community group related goods (or merchant selling the goods) from the merchant client 110 that sells the community group related goods .

Here, the information on the community group related product (or the merchant that sells the product) may include at least one of the community group related product sales discount information and / or event information, the community group related product price information, And information on an affiliate shop that sells the community group related product.

The information providing unit 230 may publish the information related to the community group related goods (or the merchant selling the goods) received through the receiving unit 200 to a bulletin board allocated to the community group 120, And / or to the community member clients.

Referring to FIG. 2, the merchant confirmation unit 210 described above provides information on the community group related goods (or merchant selling the goods) from the merchant client 110 that sells the community group related goods The merchant client 110 providing the information may check whether it is the merchant client 110 that sells the selected community group related merchandise in cooperation with the storage medium 105. [

If the merchant client 110 is the merchant client 110 selected by the merchant client 110 as a result of the confirmation by the merchant identification unit 210, (Or an affiliate shop that sells the product) related to the community group related to the community group 120 may be posted on the bulletin board assigned to the community group 120 and / or transmitted to the community member clients.

2, the server 100 notifies the franchisee client 110 of information about the community group related merchandise (or merchant selling the merchandise) related to the merchant client 110, And a fee addition section 235 for adding a provision fee (or a fee).

The server 100 is provided with a recording medium on which a predetermined program is recorded in order to implement a merchant selection function corresponding to the community according to the present invention.

Preferably, the recording medium is located in a financial transaction server including a card issuer server or a bank server, and / or a server of a mobile communication company server and / or a network 100, A group opening function for opening a community group 120 of the community group member client information and / or the client-owned settlement means information and the community group information, and storing them in a predetermined storage medium 105 And a function of receiving at least two merchandise sales condition information for the community group member client from at least two merchant client (110) that sells the community group related merchandise, The merchant corresponding to the community group 120 And stores the selected merchant information and merchandise sales condition information presented by the merchant in association with the community group information and stores the processed merchandise information in the storage medium (105).

Here, the program recorded on the recording medium may include a program for causing the merchant client (s) to purchase merchandise at a merchant store in cooperation with the storage medium (105) And further provides a function of providing a predetermined incentive corresponding to the purchase of goods by the members of the community group members according to the condition.

In addition, when the community group member clients purchase the merchandise at the merchant, the program reads predetermined payment means information and / or client information read from the predetermined payment approval request text based on the merchandise purchase of the community group member clients A function of confirming the community group 120 corresponding to the read out payment means information and / or the client information in cooperation with the storage medium 105, Determining whether the merchant information read from the payment approval request telegram matches the merchant information that sells the confirmed community group related merchandise after confirming the merchant information that sells the community group related merchandise corresponding to the group 120, Is further realized.

The program may further include a function of, when the members of the community group member clients purchase goods from the merchant, reading the predetermined merchant point information from a predetermined payment approval request text based on the purchase of the goods by the community group member clients, And a function of confirming predetermined merchandise sales condition information linked with the read out merchant information is further realized.

In addition, the program further realizes a function of providing the selected merchant client 110 with client information and / or payment means information of the community group member.

In addition, the program may include a function of receiving the information related to the community group related goods (or the merchant selling the goods) from the merchant client 110 that sells the community group related goods, And / or a function of transmitting the information related to the merchant selling the merchandise to the community members 120, and / or transmitting the information to the community member clients.

In addition, the program may be configured to cause the merchant client 110, which sells the community group related merchandise, to provide the information related to the community group merchandise (or the merchant that sells the merchandise) in cooperation with the storage medium 105, The merchant client 110 providing the merchant client 110 with the selected community group related merchandise is determined to be the merchant client 110 that sells the selected community group merchandise, (Or the merchant selling the goods) provided by the community group 120 to the bulletin board assigned to the community group 120 and / or to transmit the information to the community member clients .

In addition, the program further realizes a function of adding a predetermined information provision fee (or a fee) to the merchant client 110 that provides information related to the community group related merchandise (or the merchant selling the merchandise) do.

FIG. 3 is a functional block diagram of a predetermined settlement terminal 115 provided in an affiliate shop client 110 on a merchant selection system corresponding to a community according to a preferred embodiment of the present invention.

3, a payment terminal 115 (e.g., a payment terminal such as a credit card payment terminal, a wireless payment terminal, a POS terminal, and a terminal device including ATM, KIOSK, etc.) 305 and a power supply to the card reader unit 330, the screen output unit 310, the key input unit 315, the transaction communication unit 325, the print output unit, and the settlement terminal 115 And a power supply unit for supplying power.

3, the control unit 300 of the settlement terminal 115 controls the overall operation of the settlement terminal 115 (for example, when the settlement processing of the client is performed by the settlement client 115 in cooperation with the memory 305) (E.g., controlling the process of confirming that the client is a specific community group member client), and controls the flow of information or data between the respective components, and controls at least one or more components included in the settlement terminal 115 for this purpose. do.

Preferably, the control unit 300 includes at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit), an execution memory 305 (e.g., a register) Output bus (BUS) and at least one or more electronic circuits (or an integrated circuit) therefor.

The control unit 300 shown in FIG. 3 may be configured to perform a loading operation from a predetermined recording medium provided in the payment terminal 115 to the execution memory 305 to perform a software specific function, And / or program data which is calculated and processed by the program routine. The control unit 300 includes a predetermined operating system and / or a terminal control program routine for managing the payment terminal 115 after the payment terminal 115 is booted by software.

More specifically, the control unit 300 of the payment terminal 115 includes a memory 305 for storing client information and / or payment means information of the specific community group member at the time of payment processing of the client of the specific community group member, And confirms whether the client information and / or the payment means information of the client requesting the settlement processing matches with the client information and / or the payment means information of the specific community group member.

Referring to FIG. 3, the memory 305 of the settlement terminal 115 stores a predetermined control function (for example, a card information reading function, client information of a client requesting payment processing and / (EEPROM), a flash memory (FM), a hard disk drive (HDD), and a hard disk drive (HDD) And at least one storage means for storing the program data and the program data, wherein the predetermined program routine and the program data (for example, a program routine) required for the control unit 300 to perform a predetermined control function perform a predetermined function Data to be input or output in order to perform the processing.

According to a preferred embodiment of the present invention, the memory 305 stores client information and / or payment means information of a specific community group member, and the client information of the specific community group member and / May be stored in the form of a predetermined correspondence code.

Here, the client information and / or the payment means information of the specific community group member may be obtained from the server 100 described in FIG. 2 via the network, or may be acquired from the terminal (or the terminal Or may be acquired from a key operation of the operator of the payment terminal 115 or an update of the memory 305 and stored in the memory 305. [

In addition, the memory 305 of the settlement terminal 115 may further include predetermined commodity sales condition information to be applied at the time of commodity purchase by the specific community group member client, A predetermined product discount condition and / or a point or mileage provision condition, and / or a predetermined service provision condition to be provided to the members of the community group member, which are applied to sales of products to clients.

The card reader unit 330 of the payment terminal 115 reads at least one piece of information or data from the payment means of the client in the payment processing of the client according to the preferred embodiment of the present invention.

The card reader unit 330 provides an interface between the card and the settlement terminal 115 and provides an interface for interfacing MS (Magnetic Stripe) cards based on the ISO / IEC 7810 standard with the settlement terminal 115 A contact IC reader unit for interfacing a reader unit and / or a contact IC (Integrated Circuit) card based on the ISO / IEC 7816 standard with the settlement terminal 115 and / or a contactless IC card based on the ISO / IEC 14443 standard A non-contact type IC reader unit for interfacing with the settlement terminal 115, and the like.

In more detail, the MS reader unit of the card reader unit 330 includes a card reader unit 330 based on ISO / IEC 7810 and includes at least one magnetic head including a predetermined coil , And the MS card in which predetermined information (for example, magnetized binary information) is recorded is moved in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with the MS card on which predetermined information is recorded) And interfaces predetermined information or data from the at least one track (Track) included in the MS's MS to the payment terminal 115 by using a predetermined electrical signal loaded in the magnetic head.

The contact type IC reader unit is a card reader unit 330 based on ISO / IEC 7816. The contact type IC reader unit includes at least one or more (at least one) IC card reader unit 330 which forms electrical contacts in contact with a COB A contact point, and supplies power to the IC chip of the IC card through the contact point, receives predetermined information from the IC chip through a half-duplex transaction using an APDU (Application Protocol Data Unit) Or data to the payment terminal 115.

The non-contact type IC reader unit is a card reader unit 330 based on ISO / IEC 14443, and is a non-contact type IC card which is electrically contactless with a non-contact type IC card using capacitive coupling and / or inductive coupling. The IC chip includes at least one antenna, and supplies power to the IC chip of the IC card through the antenna. The IC chip transmits predetermined information or data through the half-duplex transaction using the APDU To the payment terminal 115.

The screen output unit 310 of the settlement terminal 115 shown in FIG. 3 is connected to the settlement terminal 115 by the control unit 300 and includes a liquid crystal display (LCD) and / or a cathode ray tube (CRT) The key input unit 315 outputs at least one information or data that is defined in advance or is defined in real time to be output to the predetermined screen output unit. Information or data that is predefined to be output to the screen by the payment terminal 115, Information stored or generated by the components included in the settlement terminal 115, information transmitted and received through the transaction communication unit 325, information on a predetermined operation performed by the settlement terminal 115 Lt; / RTI >

According to the present invention, the screen output unit 310 displays client information and / or payment means information of a specific community group member stored in the memory 305 in a payment process of the client (e.g., card) To the predetermined screen output means provided in the settlement terminal 115. In addition, it is possible to output the client information and / or the payment means information of the specific community group member and the payment means information read from the payment means of the payment client And the like can be outputted through the screen output means or the like.

The key input unit 315 of the payment terminal 115 includes a plurality of numeric keys, a character key for inputting characters, a function key, The control unit 300 inputs the key data generated by the payment terminal 115 operator and / or the payment client by clicking a predetermined key from the input means to the control unit 300, Reads out the key data input through the key input unit 315 and controls the predetermined function corresponding to the key data and / or the predefined operation in association with at least one or more components provided in the payment terminal 115.

The transaction communication unit 325 of the settlement terminal 115 is provided with a communication means for performing a transaction function (for example, a payment transaction function between the settlement terminal 115 and the server 100) provided in the settlement terminal 115 Through at least one wireless network including at least one wired network including a Value Added Network (VAN), a financial cooperative network or an ADSL (Asymmetric Digital Subscriber Line), and a mobile communication network or a wireless data communication network in hardware (E.g., RS-232c, USB (Universal Serial Bus), etc.) that provides transaction communication with the server 100 on the wire / wireless network and / or a predetermined cable communication port A cable communication unit 325 and / or an infrared ray communication, a radio frequency (RF) communication, a Bluetooth, a wireless LAN, a Wi-Fi, And a short range communication unit 325 for providing transaction communication with the short range communication apparatus through at least one short range wireless communication including the communication protocol and the communication application for providing software communication .

According to a preferred embodiment of the present invention, the transaction communication unit 325 (more specifically, the network communication unit 325) is configured to communicate with client information and / or payment means information of a specific community group member generated at the payment terminal 115 To the upper payment network through at least one wired network including a VAN, a financial cooperative network, or an ADSL, or the like, including payment confirmation information, comparison confirmation information, or payment means information read from the payment means of the payment client.

The print output unit 320 of the payment terminal 115 may generate and / or generate a predefined function and / or job using the payment means (e.g., card, etc.) in the payment terminal 115 A print protocol for outputting the predetermined information or data to a predetermined print output means (e.g., a receipt printing apparatus) for printing the print information or data through a predetermined printing apparatus in accordance with a predefined print form, Driver. ≪ / RTI >

3, the payment terminal 115 may be provided with an infrared communication unit 325 and / or a secure application module (SAM) and / or the payment terminal It is obvious that a person skilled in the art will recognize that the present invention can be configured to include a banknote dispenser for cash payment (and a banknote depositor for cash deposit) .

In addition, preferably, the payment terminal 115 shown in FIG. 3 includes at least one POS terminal, ATM, and KIOSK.

FIG. 4 is a flowchart illustrating a process of selecting a franchisee corresponding to a community according to a preferred embodiment of the present invention.

4 is a flowchart illustrating a method of setting up a predetermined community group 120 in cooperation with at least two clients in the server 100 and transmitting the community group member client information and / And selects at least one merchant corresponding to the community group (120) by comparing at least two merchandise sales condition information provided by at least two merchant client (110), and transmits the selected merchant information to the merchant And associating the presented goods sale condition information with the community group information and storing the processed goods in the storage medium 105. [

Referring to FIG. 4, the illustrated embodiment may be initiated (400) by establishing a predetermined community group 120 comprised of at least two clients in the server 100.

Here, the community establishment process may be performed through the group establishment unit 215, and at this time, the community group information and / or the community group membership information and / Payment means information may be linked and stored in a predetermined storage medium 105 through the storage unit 220 of the server 100.

When at least two merchant client 110 that sells the community group related merchandise make a connection to the server 100 in operation 405, the receiver 200 of the server 100 connects the merchant client 110 (410). ≪ / RTI >

Here, the merchandise sales condition information provided by the at least two merchant client 110 may include merchandise sales condition information provided by the merchant client 110 in order to attract the opened community group member client (for example, A predetermined product discount condition and / or a point or mileage provision condition and / or a predetermined service provision condition to be provided to the members of the community group member clients, can do.

Then, the storage unit 220 of the server 100 compares at least two items of merchandise sales condition information provided by the at least two merchant clients 110 (415), and the community group 120 and / The merchant that presents the most favorable merchandise selling conditions to the server 100 is selected as an affiliated store corresponding to the community group 120 (420).

If the merchant corresponding to the community group 120 is selected in step 425, the storage unit 220 of the server 100 stores the selected merchant information and the merchandise sales condition information provided by the merchant, (430) in association with the community group information and the client payment means information in the storage medium (105).

Thereafter, when the member client of the community group 120 purchases the community group related product from the affiliated store or uses the related service, the merchant payment terminal 115 transmits, from the payment means of the community group member client, And transmits the payment approval request message to the server 100. The server 100 transmits the payment approval request message to the server 100. [

The receiving unit 200 of the server 100 receives the payment approval request message from the merchant payment terminal 115 in accordance with the use of the payment means of the client included in the community group 120 in operation 435, The community group identification unit 205 of the server 100 checks the community group 120 corresponding to the payment means information with reference to the payment approval text received by the reception unit 200 in operation 440.

When the community group 120 corresponding to the payment means information of the client is confirmed through the community group identification unit 205, the merchant identification unit 210 of the server 100 identifies the merchant, And confirms the merchant information corresponding to the community group 120 (445).

If the comparison results 450 of the merchant information items corresponding to the community group 120 extracted in conjunction with the payment means merchant using the client and the storage medium 105 coincide with each other (455), the server 100 The merchandise selling condition checking unit 225 of the merchant selling unit 500 extracts the merchandise selling condition information stored in association with the community group corresponding merchant information in cooperation with the storage medium 105 and applies the extracted merchandise selling condition information to the community group member client 460.

For example, the incentive provider 240 of the server 100 provides a predetermined incentive to the community group member client based on the merchandise sales condition information of the merchant extracted through the merchandise sales condition check unit 225 can do.

Also, although not shown in the present embodiment, the merchant client 110 may associate the community group related merchandise (or the merchant selling the merchandise) with the community group 120 and / or the community group member client corresponding to the merchant The commission adding unit 235 of the server 100 may provide information to the merchant client 110 that provides information on the community group related commodity (or the merchant that sells the commodity) An information provision fee (or a fee) may be added.

FIG. 5 is a simplified flowchart illustrating a process of confirming the community group member at the merchant after selecting an affiliate shop corresponding to the community according to a preferred embodiment of the present invention.

5, a predetermined community group 120 is established in association with at least two clients in the server 100, and when a corresponding merchant is selected, the server 100 selects the predetermined And the community group information and / or the community group member information to the merchant payment terminal 115 and stores the community group information and / or the community group member information in the payment terminal 115.

Referring to FIG. 5, the embodiment shown in FIG. 5 is a flowchart illustrating a method of providing a predetermined community group 120 (FIG. 4) configured by at least two clients in the server 100, , And receives predetermined commodity selling condition information from at least two merchant client (110) that sells the commodity related commodity, and receives at least two or more commodity sales from the at least two commodity shop clients (110) May be started from a process of selecting an affiliate shop corresponding to the community group 120 and / or an affiliate shop that presents the most favorable merchandise sale conditions to the community group 120 and / or the server 100 through comparison of condition information (500).

When the merchant corresponding to the community group 120 is selected through the above process, the storage unit 220 of the server 100 stores the selected merchant information, the community group information, and the client settlement means information (505).

Then, the information providing unit 230 of the server 100 provides the community group information and the client settlement means information to the payment terminal 115 of the selected merchant, 510, and the payment terminal 115 of the merchant, Stores the community group information and / or the client settlement means information provided from the server 100 in a predetermined memory 305 provided in the settlement terminal 115 (515).

Then, when the payment means of the client is used at the merchant (520), the payment terminal (115) of the merchant reads the payment means information from the payment means of the client (525) And retrieves the community group information and / or the client settlement means information corresponding to the read out payment means information in association with the provided memory (530).

If the community group information and / or the client settlement means information corresponding to the read out payment means information is found in the memory (535), the settlement terminal (115) Extracts the condition information, and applies the extracted condition information to the settlement client.

As described above, the application of the extracted goods sale condition information to the payment client (the client of the community group member) is performed by applying a discount rate and / or a point (or mileage) to the goods purchased by the community group member client . ≪ / RTI >

According to the present invention, at least two items of merchandise sales condition information provided from at least two merchant stores providing merchandise sales condition information for a predetermined community group member opened in cooperation with at least two clients are compared, It is advantageous that the business operator (financial company) can activate the community having purchasing power and can expect to generate a profit therefrom.

In addition, there is an advantage that additional revenue can be generated by providing community-related product information from a large number of community-related product sellers.

In addition, community-related merchandise sellers have an advantage in that sales can be increased and secured by linking with communities with purchasing power.

Claims (62)

A first step of establishing a predetermined community group in a server on the network in cooperation with at least two clients; A second step of correlating the community group member client information and / or the settlement means owned by the clients with the community group information and storing the processed community group information in a predetermined storage medium; A third step of receiving commodity selling condition information for the community group member from at least two or more merchant clients that sell the commodity related commodity in the server; When the franchise point corresponding to the community group is selected through comparison between the provided at least two goods franchise condition information, the server associates the selected franchise point information and the commodity sales condition information presented by the franchisee with the community group information And storing the collected information in the storage medium. The method according to claim 1, When the members of the community group member purchase goods from the merchant, Further comprising the step of providing a predetermined incentive corresponding to the purchase of the products of the community group member clients in accordance with the merchandise selling condition corresponding to the merchandise selling condition information presented by the merchant client in cooperation with the storage medium at the server Wherein the method comprises the steps of: 3. The method of claim 2, Point or mileage of the franchisee corresponding to the community. 3. The method according to claim 1 or 2, When the members of the community group member purchase goods from the merchant, The server reads predetermined payment means information and / or client information read from a predetermined payment approval request text based on the purchase of the goods by the community group member clients, and then, in cooperation with the storage medium, Identifying a community group corresponding to information and / or client information; And The server confirms the merchant information for selling the community group related goods corresponding to the identified community group in cooperation with the storage medium, and then the merchant information read out from the payment approval request message is stored in the confirmed community group related goods And determining whether the merchant information matches the merchant information that sells the merchant information. 3. The method according to claim 1 or 2, When the members of the community group member purchase goods from the merchant, Reading the predetermined merchant point information from a predetermined payment approval request message according to the merchandise purchase by the community group member clients at the server; And Further comprising the step of confirming predetermined merchandise sales condition information associated with the read out merchant information in cooperation with the storage medium in the server. The method according to claim 1, Providing client information and / or payment means information of the community group member to the selected merchant client at the server; Storing client information and / or payment means information of the community group member in a predetermined storage medium at the merchant client; And And confirming whether the product purchase client is the community group member based on the community group member client information and / or the payment means information stored in the storage medium when the community group member clients purchase the product at the merchant store , ≪ / RTI > And the merchandise is sold by applying the merchandise selling condition to the client according to the result of the confirmation. 7. The storage medium according to claim 6, And a payment terminal provided at the franchisee. The information processing apparatus according to any one of claims 1 to 6, And at least one of a predetermined product discount condition and / or a point / mileage provision condition and / or a predetermined service provision condition to be provided to the community group members, A method of selecting a franchise corresponding to a community. The method according to claim 1, Receiving information on the community group related merchandise (or merchant selling the merchandise) from a merchant client that sells the merchandise related to the community group in the server; And And publishing the information on the community group related goods (or merchant selling the goods) received on the server to the bulletin board assigned to the community group and / or transmitting the information to the community member clients A method of selecting a franchisee corresponding to a community that is characterized in that The method according to claim 1, When providing information on the community group related product (or an affiliate shop that sells the product) from an affiliate shop client that sells the community group related product, Confirming whether the merchant client providing the information in cooperation with the storage medium in the server is a merchant client that sells the selected community group related merchandise; And As a result of the checking, if it is determined that the merchant is a merchant client, the server posts information related to the community group related goods (or merchant selling the goods) provided by the merchant client to the bulletin board assigned to the community group, and To the community member clients, and / or to the community member clients. 11. The method according to claim 9 or 10, And adding a predetermined information provision fee (or a fee) to the merchant client that provides information related to the community group related commodity (or the merchant that sells the commodity) at the server. How to select a franchisee. 11. The method of claim 9 or 10, wherein the information related to the community group related goods (or the merchant selling the goods) Related discount information and / or event information, The community group related product price information, The information on the use of the community group related goods, And at least one merchant location information for selling the community group related merchandise. 2. The method according to claim 1, Receiving predetermined community information from a client desiring to establish a specific community group in the server; And And establishing a predetermined community group corresponding to the community information in the server. 2. The method according to claim 1, Wherein the mobile terminal includes a wired or wireless terminal. The method according to claim 1, A credit card payment means, a financial account payment means, a debit card payment means, a prepaid card payment means, an electronic money payment means, and a mobile payment means. The server according to claim 1, A financial company server including a card company server or a bank server, a mobile communication company server, and a server on a network. The method according to claim 1, Type product, and / or an intangible service product that includes at least one of a lodging product provided by a lodging facility, a travel product provided by a travel agency or the like, and an insurance product provided by an insurance company. How to select a franchisee. A predetermined community group is established in cooperation with at least two clients, and the community group member client information and / or the settlement means owned by the clients and the community group information are linked and stored in a predetermined storage medium server; And And at least two merchant clients that sell the community group related merchandise providing the merchandise sales condition information for the community group members to the server, The server comprises: When the merchant corresponding to the community group is selected through comparison of at least two items of merchandise sales condition information provided from the at least two merchant clients, the selected merchant information and the merchandise sales condition information presented by the merchant are stored in the community group information And stores the collected data in the storage medium. 19. The server of claim 18, A group establishment unit for establishing a predetermined community group in cooperation with at least two clients; A storage unit for correlating the community group member client information and / or the client settlement means information with the community group information and storing the same in a predetermined storage medium; And And a receiver for receiving at least two merchant clients that sell the community group related merchandise, the merchandise selling condition information for the community group merchandise. Wherein the storage unit associates the selected merchant information and the merchandise sales condition information provided by the merchant with the community group information when the merchant corresponding to the community group is selected through comparison of the at least two merchandise sales condition information, And stores it in a storage medium. 19. The server of claim 18, When the members of the community group member purchase goods from the merchant, And an incentive providing unit for providing a predetermined incentive corresponding to the purchase of the products of the community group member clients in accordance with the merchandise selling conditions corresponding to the merchandise selling condition information presented by the merchant client in cooperation with the storage medium A franchisee selection system that responds to community features. 21. The method of claim 20, Point or mileage of the franchisee corresponding to the community. 19. The server of claim 18, When the members of the community group member purchase goods from the merchant, And reading the predetermined payment means information and / or client information read from the predetermined payment approval request text based on the purchase of the goods by the members of the community group member, and then, in association with the storage medium, Or a community group corresponding to the client information; And After confirming the merchant information that sells the community group related goods corresponding to the identified community group in cooperation with the storage medium, the merchant information read out from the payment approval request specialist may sell the confirmed community group related goods And a merchant identification unit for determining whether the merchant information matches the merchant information. 19. The server of claim 18, When the members of the community group member purchase goods from the merchant, A merchant identification unit for reading predetermined merchant information from a predetermined payment approval request text based on the purchase of the merchandise by the community group member clients; And And a merchandise selling condition checking unit for checking the predetermined merchandise selling condition information linked with the read merchant information in cooperation with the storage medium. 19. The server of claim 18, Further comprising an information providing unit for providing the selected merchant client with client information and / or payment means information of the community group member. 19. The merchant client according to claim 18, When the server provides the client information and / or the payment means information of the community group member, A storage unit for storing client information and / or payment means information of the community group member in a predetermined storage medium; And And a confirmation unit for confirming whether the goods purchase client is the community group member based on the community group member client information and / or the payment means information stored in the storage medium when the community group member clients purchase the goods at the merchant And the like. 26. The storage medium of claim 25, And a payment terminal provided at the franchisee. 24. The method according to any one of claims 18 to 23, And at least one of a predetermined product discount condition and / or a point / mileage provision condition and / or a predetermined service provision condition to be provided to the community group members, And the like. 19. The server of claim 18, A receiving unit for receiving information on the community group related goods (or merchant selling the goods) from an affiliate shop client that sells the community group related goods; And Further comprising information providing means for posting information on the received community group related goods (or merchant selling the goods) to a bulletin board assigned to the community group and / or transmitting the information to the community member clients And the like. 19. The server of claim 18, When providing information on the community group related product (or an affiliate shop that sells the product) from an affiliate shop client that sells the community group related product, An affiliate shop confirmation unit operable to interoperate with the storage medium to confirm that the merchant client providing the information is a merchant client that sells the selected community group related merchandise; And As a result of the checking, if the merchant is a designated merchant client, information related to the community group related goods (or merchant selling the goods) provided by the merchant client is posted on a bulletin board assigned to the community group, and / And an information providing unit for transmitting the information to the community member clients. 30. The server according to claim 28 or 29, Further comprising a commission adding unit for adding a predetermined information provision fee (or a commission) to the merchant client that provides information related to the community group related commodity (or an affiliate shop that sells the commodity) Selection system. The method of claim 28 or 29, wherein the information related to the community group related goods (or the merchant selling the goods) Related discount information and / or event information, The community group related product price information, The information on the use of the community group related goods, And at least one merchant location information for selling the community group related merchandise. 19. The method of claim 18, Wherein the mobile terminal comprises a wired or wireless terminal. 19. The method according to claim 18, A credit card payment means, a financial account payment means, a debit card payment means, a prepaid card payment means, an electronic money payment means, and a mobile payment means. 19. The server of claim 18, A merchant server, a bank account server including a card company server or a bank server, a mobile communication company server, and a server on the network. 19. The product according to claim 18, Type product, and / or an intangible service product that includes at least one of a lodging product provided by a lodging facility, a travel product provided by a travel agency or the like, and an insurance product provided by an insurance company. Merchant selection system. A group establishment unit for establishing a predetermined community group in cooperation with at least two clients; A storage unit for correlating the community group member client information and / or the settlement means owned by the clients with the community group information and storing the processed community group information in a predetermined storage medium; And And a receiving unit for receiving at least two merchant clients that sell the community group related merchandise and merchandise selling condition information for the community group merchandise. Wherein the storage unit associates the selected merchant information and the merchandise sales condition information provided by the merchant with the community group information when the merchant corresponding to the community group is selected through comparison of the at least two merchandise sales condition information, And stores it in a storage medium. 37. The server of claim 36, When the members of the community group member purchase goods from the merchant, And an incentive providing unit for providing a predetermined incentive corresponding to the purchase of the products of the community group member clients in accordance with the merchandise selling conditions corresponding to the merchandise selling condition information presented by the merchant client in cooperation with the storage medium A server for selecting a franchise corresponding to a community with features. 38. The method of claim 37, Point or mileage of the franchisee corresponding to the community. 37. The server of claim 36, When the members of the community group member purchase goods from the merchant, And reading the predetermined payment means information and / or client information read from the predetermined payment approval request text based on the purchase of the goods by the members of the community group member, and then, in association with the storage medium, Or a community group corresponding to the client information; And After confirming the merchant information that sells the community group related goods corresponding to the identified community group in cooperation with the storage medium, the merchant information read out from the payment approval request specialist may sell the confirmed community group related goods And a merchant identification unit for determining whether the merchant information matches the merchant information. 37. The server of claim 36, When the members of the community group member purchase goods from the merchant, A merchant identification unit for reading predetermined merchant information from a predetermined payment approval request text based on the purchase of the merchandise by the community group member clients; And And a merchandise sales condition checking unit for checking the predetermined merchandise sales condition information associated with the read out merchant information in cooperation with the storage medium. 37. The server of claim 36, Further comprising an information providing unit for providing the selected merchant client with client information and / or payment means information of the community group member. 41. The information processing apparatus according to any one of claims 36 to 40, And at least one of a predetermined product discount condition and / or a point / mileage provision condition and / or a predetermined service provision condition to be provided to the community group members, A server for selecting a franchise corresponding to a community. 37. The server of claim 36, A receiving unit for receiving information on the community group related goods (or merchant selling the goods) from an affiliate shop client that sells the community group related goods; And And information providing means for posting information related to the received community group related goods (or merchant selling the goods) to a bulletin board assigned to the community group and / or transmitting the information to the community member clients And a server for selecting a franchise corresponding to the community. 37. The server of claim 36, When providing information on the community group related product (or an affiliate shop that sells the product) from an affiliate shop client that sells the community group related product, An affiliate shop confirmation unit operable to interoperate with the storage medium to confirm that the merchant client providing the information is a merchant client that sells the selected community group related merchandise; And As a result of the checking, if the merchant is a designated merchant client, information related to the community group related goods (or merchant selling the goods) provided by the merchant client is posted on a bulletin board assigned to the community group, and / And an information providing unit for transmitting information to the community member clients. The server for selecting a franchise corresponding to a community. 44. The server as claimed in claim 43 or 44, Further comprising a commission adding unit for adding a predetermined information provision fee (or a commission) to the merchant client that provides information related to the community group related commodity (or an affiliate shop that sells the commodity) Server for selection. 44. The method of claim 43 or 44, wherein the information related to the community group related goods (or merchant selling the goods) Related discount information and / or event information, The community group related product price information, The information on the use of the community group related goods, And at least one merchant location information for selling the community group related merchandise. 37. The client of claim 36, Wherein the mobile terminal comprises a wired or wireless terminal. 37. The client according to claim 36, A credit card payment means, a financial account payment means, a debit card payment means, a prepaid card payment means, an electronic money payment means, and a mobile payment means. . 37. The server of claim 36, A server of a financial institution including a card company server or a bank server, a mobile communication company server, and a server on a network. 37. The article of manufacture of claim 36, Type product, and / or an intangible service product that includes at least one of a lodging product provided by a lodging facility, a travel product provided by a travel agency or the like, and an insurance product provided by an insurance company. Server for merchant selection. A memory for storing client information and / or payment means information of a specific community group member; And And client information and / or settlement means information of a client requesting the settlement processing, in association with the memory, at the time of payment processing of the client of the specific community group member, with client information of the specific community group member and / And a controller for confirming whether or not the matching is performed. 52. The apparatus of claim 51, Wherein the specific community group member further comprises predetermined product sales condition information to be applied when the specific community group member purchases the product. The information processing apparatus according to claim 52, And at least one of a predetermined product discount condition and / or a point / mileage provision condition and / or a predetermined service provision condition to be provided to the community group members, And the payment terminal. A group opening function for opening a predetermined community group in cooperation with at least two clients; A function of correlating the community group member client information and / or the settlement means owned by the clients with the community group information and storing them in a predetermined storage medium; And A function of receiving commodity selling condition information for the community group member from at least two or more merchant clients that sell the commodity related commodity; And When the merchant corresponding to the community group is selected through comparison between the at least two merchandise sales condition information, the selected merchant information and the merchandise sales condition information presented by the merchant are processed in association with the community group information, A program for realizing a function of storing a program recorded on a recording medium. 55. The computer readable medium of claim 54, When the members of the community group member purchase goods from the merchant, And further realizing a function of providing a predetermined incentive corresponding to a purchase of a commodity by the members of the community group member in accordance with the commodity selling condition corresponding to the commodity selling condition information presented by the merchant client, in cooperation with the storage medium Lt; / RTI > 55. The computer readable medium of claim 54, When the members of the community group member purchase goods from the merchant, And reading the predetermined payment means information and / or client information read from the predetermined payment approval request text based on the purchase of the goods by the members of the community group member, and then, in association with the storage medium, Or a community group corresponding to the client information; And After confirming the merchant information that sells the community group related goods corresponding to the identified community group in cooperation with the storage medium, the merchant information read out from the payment approval request specialist may sell the confirmed community group related goods And a function of determining whether the merchant information matches the merchant information. 55. The computer readable medium of claim 54, When the members of the community group member purchase goods from the merchant, A function of reading predetermined merchant information from a predetermined payment approval request text based on the merchandise purchase of the community group member clients; And And a function of confirming predetermined merchandise sales condition information linked with the read merchant information in cooperation with the storage medium. 55. The computer readable medium of claim 54, And providing the selected merchant client with client information and / or payment means information of the community group member. 55. The computer readable medium of claim 54, A function of receiving the information related to the community group related goods (or the merchant selling the goods) from an affiliate shop client that sells the community group related goods; And And a function of posting information on the received community group related goods (or merchant selling the goods) to a bulletin board assigned to the community group and / or transmitting the information to the community member clients Lt; / RTI > 55. The computer readable medium of claim 54, When providing information on the community group related product (or an affiliate shop that sells the product) from an affiliate shop client that sells the community group related product, A function of confirming whether the merchant client providing the information is an affiliate shop client that sells the selected community group related product, in cooperation with the storage medium; And As a result of the checking, if the merchant is a designated merchant client, information related to the community group related goods (or merchant selling the goods) provided by the merchant client is posted on a bulletin board assigned to the community group, and / To the community member clients. ≪ Desc / Clms Page number 19 > 55. The computer readable medium of claim 54, Further comprising a function of adding a predetermined information provision fee (or a fee) to an affiliate shop client that provides information related to the community group related commodity (or an affiliate shop that sells the commodity). 58. The recording medium according to claim 54, A financial transaction server including a card issuer server or a bank server, and / or a carrier server, and / or a server on the network.

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