CREDIT SETTLEMENT METHOD BY USING A PURCHASE ACCOUNT

摘要

A credit settlement method using a purchase account is provided to minimize damage caused from leakage of credit information by assigning the purchase account having a purchase limit to a user instead of a credit card, enabling the user to settle a goods or service price, and making the user deposit money to the purchase account for a fixed period. The purchase account having a predetermined credit limit amount is generated and provided to the user by a purchase account request including user information(S107). Transfer is performed by receiving a transfer request of the purchase price from the purchase account of the user to the purchase account of a seller from a user computer(S117). Payment of the purchase price is requested to a bank server by referring to bank information of purchase account information(S123). The purchase price is paid to the seller after the user computer confirms delivery(S131). In case that the delivery is confirmed by the user computer, the purchase price excluding a fixed fee for using the purchase account is paid to the seller(S137).