The present invention relates to fintech and mobile financial payment related technologies, and in particular, by granting financial authority given to a mobile regional gift certificate to a credit card, a user with a user communication terminal visits a member store to purchase products or service services provided by the member store. When requesting for, the payment to be paid in exchange for the product purchase and service service can be deducted within the limit of the mobile local gift certificate by driving the mobile pay app for credit card payment that is otherwise installed in the affiliated store POS machine or user communication terminal. It relates to a card payment system and a method of driving the utilization of regional gift certificates that enable financial payments with a credit card.
展开▼
