This invention relates to a trade process system based on a budget plan service including: a terminal device set at a shop owner, a subsystem for collecting bills, a cross-trade exchange subsystem and a card-issuing subsystem, in which, the trade process flow includes: 1, the terminal device set at the shop owner initiates a budget plan request by the bill-collecting subsystem, 2, the cross-trade subsystem receives a consumed trade report sent by the bill-collecting subsystem to judge it is a trade of budget plan, processes it and transfers it to a corresponding card-issuing subsystem, 3, the system processes the request and feeds back trade request response containing if the issuing subsystem allows the authorization, 4, the cross-trade subsystem feeds back the response to the bill-collecting subsystem to inform cardholders, which utilizes the current cross-trade networks to realize sharing resources by muiltiple card-issuing units.