System and method for credit card service linked with credit loan service whose bounds are limited with the amount of selling

摘要

The present invention relates to a credit card service system that relates the amount of purchase to a credit limit, and a method thereof. The credit card service method according to the present invention includes the first step of collecting information on purchases made under the authorization between a credit card inquiry machine and a server of a value added network (VAN) company, the second step of combining the collected information on purchases into a total and then notifying the total to a bank server with which the merchant has a card account, and the third step of automatically applying a credit limit to the card account of the merchant in proportion of the notified total. According to the present invention, the merchant does not have to wait for a credit card issuer to transfer the payment for the purchases made on customers credit card. In other words, immediately after the purchase, the merchant can use a certain amount of fund according to the purchase made on the customers credit card. If the merchant does not use the fund, the merchant is no liable to an interest. For the banks part, as the bank can allow cash advance on security of sales receipt, which is authorized by the credit card issuer, the bank has the advantages of safe investment and secured profit.