| 摘要 |
The present invention discloses a method of associating a real time loan processing for a defaulting user with a cellular phone payment service. According to the present invention, when a user requesting for a payment by a cellular phone is identified as a user who has not paid for a cellular phone charge, a loan process is associated with a web server payment window, and a judgment on loan is performed in real time. Therefore, it is possible to make a loan contract for the unpaid cellular phone charge and settle the unpaid cellular phone charge by using a loan. According to the present invention, the real time loan process can be replaced with a real time account transfer process. The method according to the present invention comprises the steps of: collecting information on the payment by a cellular phone from a payment user through a payment window; authenticating whether the user is a subscriber; identifying the authenticated payment user as a defaulter of the cellular phone charge; asking whether the payment user desires to pay the unpaid charge using a loan process; and settling the unpaid cellular phone charge within an amount of a loan. |
