PRE-PAYMENT SERVICE METHOD OF CREDIT CARD BILL

PURPOSE: A method for providing a service for pre-paying a bill of a credit card is provided to enable an affiliated merchant to be paid with an approved charge even if the affiliated merchant is not equipped with a separate device. CONSTITUTION: A system comprises a customer(11) purchasing articles or services using a credit card, an affiliated merchant(12) selling articles or services to the customer and paid with the charge, a VAN(Value-added Network) company(13) carrying out card approval of a credit card company, a credit card company(14) approving the credit card of the customer, a service providing company(15) providing a pre-payment service, and a partner financial company(16) affiliated with the service providing company and temporarily loaning out the approved charge. The service providing company request the VAN company about the approval upon the input of a request for loaning and approval information from the affiliated merchant. If approval is confirmed, the service providing company informs an approval number and an approved charge to the partner financial company. If the charge is paid by the partner financial company, a service charge is provided to the service providing company.