| 摘要 |
Disclosed are a method for managing an account having a frequent loan feature and a periodic loan feature, and a system for performing the same. A hybrid account management system comprises: an account subscription receiving unit; a hybrid account generation unit, a periodic loan execution unit and a loan amount mapping unit. The account subscription form receiving unit receives a hybrid account subscription form comprising a periodic loan date, a periodic loan amount, an interest rate of a periodic loan amount, a frequent loan amount, and an interest rate of a frequent loan amount. The hybrid account generation unit generates a hybrid account comprising: a plus balance area including a plus loan amount area in which a periodic loan amount is mapped, and a demand-based deposit area in which an owned capital is mapped; and a minus balance area in which a frequent loan amount is mapped. The periodic loan execution unit processes a periodic loan as a periodic loan date is due and thereby, a process to deposit an agreement-based periodic loan amount is performed. As an agreement-based periodic loan amount is deposited, the loan amount mapping unit performs a mapping of the periodic loan amount, which is deposited, to the plus loan amount area. |
