/ Method and system for adapt PR/credit transaction

摘要

PURPOSE: A customized advertisement and loan transaction service method and system is provided to send an advertisement, customized according to an age, a sex, an inclination or an earning, to a customer by using a credit card processor or a POS terminal, and to enable a customer to make a loan transaction with a card company by collecting loan conditions from a plurality of card companies and selecting a card company presenting an optimal loan condition. CONSTITUTION: The method comprises a customized advertisement step and a customized loan transaction step. The customized advertisement includes steps of a service company receiving an advertisement offer from advertisers(1), a server classifying the advertisements according to a business field, a location, an advertisement characteristic, a product sort and others, and transmitting the advertisements, categorized in a database, to a target member store over the Internet(2), a credit card checker or a POS terminal receiving and outputting the advertisement via peripherals, e.g. a speaker or a monitor(3), and the server giving an incentive to the member store according to an advertisement exposure frequency. The customized loan transaction includes steps of a customer receiving an integrated card from cooperative card companies, the customer requesting a card settlement to the server via the card checker, the server requesting a loan auction to the card companies, and the server comparing the loan conditions from the card companies and selecting one card company offering a loan condition optimal for the customer.