| 摘要 |
A method, a system, and a server for managing a loan with card sales as collateral are disclosed. The method for managing a loan with card sales as collateral comprises: a step where a card sales collateral loan management server receives card payment sales information for sales made at each card payment member store from a card payment management company server; a step where the card sales collateral loan management server receives information about a history or a plan for deposits of card payments made to an account of the card payment member store by a card company from the card payment management company server; a step where the card sales collateral loan management server receives member store credit information of the card payment member store from the card payment management company server; a step where a loan bank server approves of opening a loan account where the card payment member store can withdraw and deposit amounts within a credit limit set by the loan bank server with card sales of the card payment member store as collateral; a step where the card sales collateral loan management server calculates the credit limit of the loan account available for the card payment member store based on the card payment sales information, the information about the history or the plan for deposits, and the credit information of the card payment member store; and a step where the loan bank server sets and grants the credit limit of the loan account available for the card payment member store based on credit limit calculation information received from the card sales collateral loan management server. |
