INSTANT LIVING EXPENSE LOAN PAYMENT SYSTEM USING POSITIVE CYCLE FINANCIAL DISTRIBUTION METHOD AND POSITIVE CYCLE DEBIT CARD

摘要

The present invention provides a positive cycle financial circulation method using a positive cycle debit card to which a credit function is given for repetitive use for 365 days up to an amount of money limited by the bank even when the member/customer has a zero account balance, and an automatic positive cycle debit card system which determines the credit rating of the member/customer by performing the respective credit evaluation of the bank on the history of use of the issued debit card, raises the limit on funds, and allows the debit card to be automatically and positively cycled by enabling the member/customer to pay by proxy, pay directly, and borrow without interest or commission, thereby providing the excellent effect of vitalizing the economy and the development of the financial industry.