Method of providing loan service for a late charge of phone bill

摘要

Provides loan service for telecom charge arrears that prevents subscribers from degrading their credit rating by lending out arrears of telecom rates when subscribers are overdue or expected to be deferred do. In the loan service method, when the telecommunication company server notifies the lending company server of the communication fee overdue situation, the lender server requests the user's terminal to check whether the loan is overdue. Then, when the lender server receives a request for arrears loan service from the user's terminal, the lender sends the loan approval number to the user's terminal, and the lender's server requests and receives the user's account number through the telecommunication company server or the user's terminal. do. Subsequently, when the lender server transfers the loan to the user's account number and notifies the telecommunication company server of the transfer processing result, the telecommunication company server adds the repayment of the overdue loan to the communication fee according to the transfer processing result.