The present invention relates to a credit assessment based pre-distribution reservation post-redemption automatic payment service providing system using multimedia big data matching pattern analysis. The system includes: a user information input module receiving user information from a user and authenticating the user information; a credit assessment interface interlocking with a payment gateway (PG) server and an affiliated company server to receive external information including multimedia payment information, which includes a payment history of any one of a card company and a telecommunication company, and affiliated company information, which includes a deposit history of the affiliated company, and evaluating credit of the user based on the external information; a redemption condition setting module setting a payment method, with which the amount of goods is paid when pre-distributing goods to the user, and a redemption period and an automatic payment day of the amount; a pre-distribution managing module pre-distributing eligible goods to the user; and a redemption managing module recognizing whether the amount is redeemed from the user and performing automatic payment to have the amount redeemed. According to the present invention, it is possible to analyze exact and effective purchase patterns by performing a survey to identify purchase patterns of users.
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