Procedure and arrangement for granting credit through a payment channel

摘要

Procedure (10) for granting credit from an issuer to a recipient of credit through a payment channel connecting the issuer to the recipient;marked by the following characteristics:the issuer and the consignee shall enter into an arrangement for payment by a payment service provider of the consignee to a payment service provider of the issuer to secure the credit;According to the agreement, at least the amount of credit on the payment channel for an agreed payment deadline is blocked for the issuer (11),the payment service provider is registered at the payment channel (12),where, within the payment period, confirmation of payment is given by at least one of the payment service providers, the amount is automatically credited to the payee by the payment channel or the payment period is extended (13); andOtherwise, the amount will be automatically released to the issuer by the payment channel after the payment deadline has expired.