| 摘要 |
PURPOSE: A small loan service system and its method are provided to enable a user to loan a small amount of money when the user purchases daily necessaries or pays private education fee and to make an affiliated store pay the small loan by proxy. CONSTITUTION: A user accesses an installment finance server(310). The installment finance server determines whether the accessing user is a member(320), guides the user to pass a member subscription procedure if the user is not a member(325), and enables the user to input necessary loan amount, a loan period and repayment conditions(330, 340, 350). Then the server offers an agreement to the user, and asks the user if the user agrees to the offered agreement(360). If the user agrees to the offered agreement, the server asks the user to put a signature on a contract form(365). In a case that the user purchases a commodity or a service at an affiliated store, the affiliated store transmits a payment amount and a loan amount to the server(370). Then the server settles the payment amount with the loan amount deposited on a cyber account according to the repayment conditions(380).
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