VIRTUAL CARD BASED METHOD AND APPARATUS FOR TRANSACTIONS ACCOMPANYING CREDIT ASSESSMENT

摘要

According to the present invention, a limit of the credit assessment accompanied transaction amount for each buyer for each time period is predetermined by being linked to a receiving and sending module when a credit assessment for a buyer is electronically performed, and a buyer can freely make an electronic transaction accompanied by a credit assessment and can pay for objects relevant to transactions accompanied by a credit assessment which the buyer intends to use at an online or offline place and time where and when the buyer wants within the limit of the credit assessment accompanied transaction amount for each time period (the sum of rental costs of various items/installments/mortgage principle cannot exceed a limit for each buyer for each time period) using a virtual card through the receiving and sending module. As a result, the efficiency of a credit assessment and a transaction accompanied by a credit assessment between a buyer and seller can be improved.