The factoring service method of credit cards and the factoring service system

摘要

PURPOSE: A method and system for providing a credit card factoring service are provided so that member stores can receive card price payment directly after authorization, instead of an existing future payment. CONSTITUTION: When a user(6) uses his/her credit card in a member store(7) of an agency company(8) using this system, the price paid by the user(6) in the member store(7) is authorized by a corresponding credit card company(5). At the same time, the credit card company(5) receives dealing information of the user(6) through an agency server of the agency company(8), and buys a sale bond of the member store(7). On the basis of the sale bond, a discounted amount of money is transmitted from a main account of the agency company(8) to an account of the member store(8). When the member store(7) presents corresponding dealing information(sales ticket) to the credit card company(5), the credit card company(5) transmits the dealing price to the main account of the agency company(8).