| 摘要 |
<p>The present invention relates generally to a payment apparatus and method using a transfer card, in which a young person or person ineligible to be issued with a credit card is provided with the transfer card linked to a credit card owned by his guardian or an alternative payer and designed to perform payment so that he can use a certain amount of money within the credit limit of the credit card of the guardian or alternative payer, thereby allowing the persons to be capable of smoothly using a credit card and allowing alternative payment for the use of the transfer card in a deferred or an advance payment manner. Accordingly, the payment apparatus and method can minimize economic losses caused by imprudent use of credit cards by the persons, and prevent various problems due to the use of credit cards by such persons.</p> |
