Methods and systems are provided for facilitating user joint purchasing and user-participated online advertisements, including: providing means for a user to request joint purchasing of products and services online; subtracting sponsoring amount provided by users' sponsors from the listed prices of products and services; dividing the cost of products and services among users participated in joint purchasing; receiving separate payments from such users; delivering products and services based on system configurations and user joint purchasing instructions; integrating existing third party online advertisements with user incentives; and enabling users to create and modify online advertisements for entities and individuals, wherein said advertisements can be customized or designed by said users. Such methods and systems further include: providing group and role-based security for users; providing means for external websites to embed unique functions of present invention, such as user joint purchasing, user-participated online advertisements, and the like; providing means to enable users to arrange others' assets; providing means for users to participant in various online events to foster better relationships; providing means for users to pool funds for charity organizations or individuals; providing means for users to centrally manage multiple accounts of their external websites; and providing means for users to acquire free assets.