KR20120022692A - Method for providing purchase key - Google Patents

Abstract

PURPOSE: A purchase key providing method is provided to enable a user to purchase product in an offline store by requesting a group purchase in a web site. CONSTITUTION: When a client(140) requests a group purchase by contacting to a group purchase web server(115), the group purchase web server creates one or more information among the group purchase information for a product. The group purchase web server transmits the created group purchase information to a group purchase key providing server(105). The group purchase web server stores the information for the group purchase key in a group purchase database(120).

Description

How to provide a purchase key {Method for Providing Purchase Key}

According to the present invention, in the method for providing a purchase key executed by a server, the number of customers who purchase the same product as the product sold in the offline store through a wired / wireless internet at a specified discount amount is confirmed, and the number of the confirmed customers is specified. If the confirmed number of customers exceeds the designated number of customers, the customers who purchase the goods through the wired / wireless internet authenticate the right to receive the goods from the offline store. The present invention relates to a purchase key providing method provided by a wireless terminal.

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 co-purchase web server sells the goods at a discount price corresponding to the number of the co-purchase customers, and the co-purchase web server promotes the promotions and the goods. Will be offered in bulk until sale. For example, in the case of the joint purchase where the maximum discount amount or the maximum discount rate is applied when 50 joint purchase request customers reach 50, the joint purchase is canceled or the joint purchase request is applied when the number of the joint purchase request customers is less than 50. The sale price is determined by applying a discount amount or a discount rate calculated as a function of the number of customers.

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

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

In addition, the joint purchase through the existing wired and wireless Internet is a problem that other Internet shopping malls include, that is, it takes several days to receive and receive the purchased product, and because the product is not checked 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 is a method for providing a purchase key executed by a server, wherein the number of customers who have purchased the same product as a product sold in an offline store through a wired / wireless internet at a specified discount amount is confirmed and the number of confirmed customers is specified. Checking whether the number of customers exceeds a predetermined number of customers and if the number of confirmed customers exceeds the designated number of customers, purchases of the customers who purchase the goods through the wired / wireless internet authenticate the right to receive the goods from the offline store. The present invention provides a method of providing a purchase key for providing a key to a wireless terminal of the customers.

The purchase key providing method according to the present invention is a purchase key providing method executed by a server, the step of confirming the number of customers who purchased the same goods as the goods sold in the offline store through a wired and wireless Internet at a specified discount amount and the confirmation Verifying that the number of customers who have exceeded the designated number of customers and the number of customers who have purchased the goods through the wired and wireless Internet receive the product from the offline store if the number of confirmed customers exceeds the designated number of customers. It provides a purchase key for authenticating to the wireless terminal of the customer.

In the method of providing a purchase key according to the present invention, after the purchase key is provided, storing the purchase key information provided to the wireless terminal and when the purchase key is received from the terminal of the offline store, the stored purchase key information and And comparing the received purchase key and acknowledging to provide the customer with a product corresponding to the purchase key to the terminal of the offline store.

In the method for providing a purchase key according to the present invention, after the purchase key is provided, checking whether the validity period of the purchase key provided to the wireless terminal has elapsed, and when the validity period has elapsed, customers exceeding the predetermined number of customers. The settlement of the purchase price in the account of the offline store; characterized in that it further comprises.

In the method of providing a purchase key according to the present invention, the purchase key may include at least one of unique information, an expiration date, product information, discount information, and customer information about the product. .

In the purchase and settlement of the product online and offline, the purchase of the product by the credit card at the discounted mass purchase price is effective, thereby realizing the joint purchase, which was previously only made online, on the offline product. Overcoming the problem of limiting the range of purchase options to the co-purchase web server for the co-purchase promotion, the client can select the place to apply for co-purchase and to purchase and pay for the co-purchase product. In addition, the joint purchase via the existing wired or wireless Internet is determined by the discount amount or the discount rate based on the joint purchase applicant, if the joint purchase applicant cancels the joint purchase request due to remorse or other reasons, the joint purchase web server is sold in bulk Co-purchase featuring a large discount on Although there was a problem that can not be properly handled, the present invention to overcome the problem of canceling the joint purchase of the joint purchase applicant according to the process of joint purchase on the basis of the joint purchase billing party as well as the joint purchase applicant, and also, the existing wired and wireless Internet Co-purchase through the Internet is a problem that other Internet shopping malls include, that is, it takes several days to receive and receive the purchased product. In this case, the return or refund process is complicated and consumes a lot of time. However, according to the present invention, by applying for a joint purchase on the web and making a purchase in an offline store, the advantage of solving the above problem is have.

1 is a simple block diagram of a payment joint purchase system using a credit card equipped with a joint purchase key.
Fig. 2 is a simple flow diagram of the first step of the present invention in which the joint purchase key is loaded into the credit card of the joint purchase request client.
3 is a simple flowchart of a second step of the present invention in which a co-purchase web server delivers co-purchase activation information to each component of a payment co-purchase system.
Fig. 4 is a simple flowchart of a third step in which a credit card customer purchases and pays the same product as the co-purchased product.
5 is a simple flowchart of a fourth step in which the credit card settlement server approves and setstles the payment for the joint purchase product.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The joint purchase validity period of the joint purchase information is expressed as the total purchase start time of 12 bytes and the 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 key proposed by the present invention is not performed.

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

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

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

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

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

Table 1

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims (4)

In the method for providing a purchase key executed by the server,
Confirming the number of customers who purchased the same goods as the goods sold in the offline store through a wired / wireless Internet at a specified discount amount;
Confirming that the identified number of customers exceeds a designated number of customers; And
When the confirmed number of customers exceeds the designated number of customers, the wireless terminal of the customer provides a purchase key for authenticating the right to receive the goods from the offline store by the customers who have purchased the goods through the wired or wireless Internet. Step; providing a purchase key comprising a.
The method of claim 1,
Storing the purchase key information provided to the wireless terminal after the purchase key is provided; And
When the purchase key is received from the terminal of the offline store, the stored purchase key information and the received purchase key are compared and matched to provide the customer with a product corresponding to the purchase key to the terminal of the offline store. Approving a purchase key comprising the; further comprises.
The method of claim 2,
Checking whether a validity period of a purchase key provided to the wireless terminal has passed after the purchase key is provided; And
If the expiration date has elapsed, the purchase price of the customer exceeding the predetermined number of customers to settle the account of the offline store; Purchasing key providing method characterized in that it further comprises.
The method of claim 1, wherein the purchase key,
And at least one of unique information, expiration date, product information, discount information, and customer information about the product.

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