THE MUTUAL REVERSE AUCTION TYPE LOAN SERVICE DELIVERY METHOD WITH CREDIT CARD RECEIVABLES AS COLLATERAL BY THE MERCHANTS AND TRANSACTION EVALUATION MODEL

摘要

PURPOSE: A method for providing a loan service with a mutually reverse auction type credit card sales bond as security by a member store transaction evaluation model is provided to enable a member store to stably loan money of low financial costs, thereby enabling a loan company to obtain profits of a satisfied level through a reasonable process. CONSTITUTION: An offline credit card member store inputs a loan service with reverse auction suggestion and evaluation information of a member store in relay server. The relay server generates a member store transaction evaluation model after forming an evaluation database of the member store. A relay web server officially announces the evaluation data of the member store for a loan company. The loan company informs the member store about reverse auction suggestion providing a loan service of sales bond as security. The member store requests a loan to the corresponding loan company, after the member store investigates the reverse auction suggestion providing a loan service.