KR20040067805A - Loan Possibility an Amount of Money Fluctuation Type Deposit Secured Loan System And Method - Google Patents

Abstract

PURPOSE: A system and a method for a deposit security loan varying an available loan amount are provided to offer a customer with the convenient and cheap liquidity by automatically varying/managing the available loan amount depending on the variance of the deposit balance offered as security. CONSTITUTION: A customer client(10) receives a deposit security loan related request from a customer and outputs the deposit security loan related information to the customer. A deposit security loan management server(20) offers a deposit security loan service varying the available loan amount of the customer depending on the increase/decrease of the deposit security amount linked with the loan. The deposit security loan management server comprises a deposit security loan control module(40), a deposit security loan module(30), a deposit security loan executing module(50), and a deposit security loan database module(60).

Description

Loan Possibility an Amount of Money Fluctuation Type Deposit Secured Loan System And Method

The present invention relates to a loanable amount variable deposit security loan system and method, and to provide a deposit security loan service by varying the loanable amount of the customer according to the increase or decrease of the balance of the security deposit associated with the loan despite the loan limit. The present invention relates to a variable amount mortgage loan system and method.

Generally, a deposit security loan service is one of financial services provided by a financial institution, such as a bank, which sets a loan limit based on a customer's deposit as a collateral and lends the customer within the loan limit.

However, in the conventional deposit security loan service, since the loan limit is determined in consideration of the deposit security amount of the customer at the time of initial contract, the loan limit is fixed inelastically, and the loanable amount is also fixed inelastically. Accordingly, even if the amount of the mortgage deposit of the customer changes, the corresponding loan limit does not change, and the amount of loanable money does not change.

Therefore, in the conventional deposit mortgage service, if the loanable amount does not change even though the amount of the mortgage is increased or decreased, a disadvantage arises to the customer, and if the loanable amount is not changed even though the amount of the mortgage is changed, When a financial institution is penalized and eventually the customer's loan limit is fixed inelastically despite the fluctuation caused by the increase or decrease in the amount of the mortgage, the loanable amount is also fixed inelastically. Every time a customer needs to sign a deposit security loan service contract, there is a disadvantage that both customers and financial institutions are disadvantaged.

In order to solve the problems described above, an object of the present invention is to automatically change and manage the loanable amount in accordance with the change of the deposit balance provided as collateral, providing a convenient and low-cost liquidity to the customer, such as banks Institutions are expected to provide profitability by reducing workload and activating risk-free small loans.

1 is a view showing a loanable amount variable deposit security loan system according to an embodiment of the present invention.

2 is a view showing a deposit security loan DB module in FIG.

Figure 3 is a flow chart illustrating a loanable amount variable deposit security loan method according to an embodiment of the present invention.

FIG. 4 is a flowchart illustrating a process of setting up a deposit security loan service in FIG. 3.

FIG. 5 is a flowchart illustrating a loanable amount checking process of FIG. 3. FIG.

6 is a flow chart showing the deposit security deposit and withdrawal step in FIG.

FIG. 7 is a flowchart illustrating a window loan checking amount checking step in FIG. 5.

FIG. 8 is a flowchart illustrating an internet loan possible amount checking step of FIG. 5.

FIG. 9 is a flowchart illustrating a card loanable amount checking step of FIG. 5. FIG.

FIG. 10 is a flowchart illustrating a loan payment / DB update process in FIG. 3.

Explanation of symbols on the main parts of the drawings

10: Client Client 20: Deposit Mortgage Loan Management Server

30: Deposit Mortgage Loan Module 40: Deposit Mortgage Loan Control Module

50: deposit collateral loan execution module 60: deposit collateral loan DB module

In order to solve the above object, the loanable amount variable deposit mortgage loan system of the present invention includes a client client that receives a deposit mortgage-related request from the customer and provides the deposit mortgage-related information to the customer; And a deposit security loan management server that provides a deposit security loan service by varying the loanable amount of the customer according to the increase or decrease of the deposit security amount associated with the loan.

In addition, the loanable amount variable deposit mortgage loan method of the present invention comprises the steps of setting a deposit mortgage loan service; Checking a loanable amount by increasing or decreasing a deposit security amount associated with the set loan and changing a loanable amount of a customer according to the increase or decrease of the deposit security amount; And paying the loan to the customer according to the checked loanable amount and updating the related DB.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

First, with reference to Figure 1 will be described a loanable amount variable deposit security loan system according to an embodiment of the present invention.

1 is a view showing a loanable amount variable deposit security loan system according to an embodiment of the present invention.

The loanable amount variable deposit security loan system according to an embodiment of the present invention comprises a customer client 10 and the deposit security loan management server 20.

The client client 10 receives a deposit security loan-related request from a customer and provides the deposit security loan related information to the corresponding customer. The client client 10 may be a window client such as a branch office automation device, an internet banking service, or the like. Card clients associated with Internet clients or cash payment cards;

The deposit security loan management server 20 provides a deposit security loan service by varying the loanable amount of the customer according to the increase or decrease of the deposit security amount associated with the loan.

Here, the deposit security loan management server 20 comprises a deposit security loan module 30, a deposit security loan control module 40, a deposit security loan execution module 50 and a deposit security loan DB module 60 The deposit collateral loan control module 40 generates a deposit collateral loan related command corresponding to the request of the deposit collateral loan of the customer to control the system as a whole, and the deposit collateral loan module 30 controls the deposit collateral. According to the loan-related command, a deposit security loan execution request, such as a request for registering or canceling a security deposit, requesting deposit or withdrawal, or requesting payment of a security deposit loan, is generated, and the deposit security loan execution module 50 requests the deposit security loan execution request. According to the change in the loanable amount according to the final deposit balance of the increased or decreased collateral deposits to execute the deposit collateral loans, the deposit collateral The loan DB module 60 stores general information about the deposit collateral loan, such as loan ledger information, collateral management ledger information, deposit ledger information, registration / release ledger information, information-based ledger information, and actuarial ledger information.

The deposit security loan module 30 includes a deposit security loan register 31, a deposit security loan release unit 32, a deposit and withdrawal unit 33, and a loan payment unit 34. The loan register 31 generates a deposit security loan registration execution request according to the deposit security loan registration command, and the deposit security loan release unit 32 generates a deposit security loan release execution request according to the deposit security loan release command. The deposit deposit and withdrawal unit 33 generates a deposit deposit and withdrawal execution request according to the deposit mortgage deposit and withdrawal order for the mortgage deposit, and the loan payment unit 34 executes deposit mortgage payment with the deposit mortgage payment order. Create a request.

Next, the deposit security loan DB module 60 will be described with reference to FIG. 2.

2 is a view showing the deposit security loan DB module 60 in FIG.

The mortgage loan DB module 60 is a loan ledger information DB (61), collateral management ledger information DB (62), deposit ledger information DB (63), registration / release ledger information DB (64), information ledger information DB 65 and the actuarial ledger information DB 66, wherein the loan ledger information DB 61 includes customer-specific loan ledger information regarding a loan of the deposit security loan service, for example, a customer name, a loan transaction account, A balance, a password, and the like, and the deposit ledger information DB 63 deposits expeditions regarding deposits, such as savings deposits, deferred deposits, periodic deposits, periodic deposits, deposit and withdrawal details, and the like, which are subject to deposit collateral associated with the loan. Information is stored, and the collateral management ledger information DB 62 includes collateral management ledger information, a longitudinal deposit balance, a loanable amount, and a loan payment in relation to the collateral relationship between the loan ledger and the deposit ledger associated with the loan ledger. And the like, wherein the registration / cancellation ledger information DB 64 stores the registration / cancellation ledger information relating to the registration and release of the deposit collateral loan service, and the information ledger information DB 65 stores the deposit collateral. Information accounting ledger information, such as loan payment execution history, and the like regarding customer information provided with the loan service is stored. The actuarial ledger information DB 66 stores actuarial ledger information, such as accounting, regarding accounting processing of the deposit security loan service. Processing details are stored.

Hereinafter, the loanable amount variable deposit security loan method according to an embodiment of the present invention with reference to FIG.

Figure 3 is a flow chart illustrating a loanable amount variable deposit security loan method according to an embodiment of the present invention.

First, the deposit security loan management server 20 sets up the deposit security loan service by registering the deposit security loan (S100).

In addition, the deposit security loan execution module 50 receives a customer's request for deposit security loan through the client client 10 to increase or decrease the deposit security amount associated with the set loan and increase or decrease the deposit security amount according to the deposit security amount. The amount of loans is checked by changing the amount of money available (S300).

Thereafter, the deposit security loan execution module 50 pays the loan to the customer according to the confirmed loan amount, and updates the DB (S500).

Hereinafter, the deposit security loan service setting process S100 will be described with reference to FIG. 4.

FIG. 4 is a flowchart illustrating a deposit security service setting process in FIG. 3.

First, the customer through the customer client 10 to the mortgage loan control module 40 of the deposit mortgage loan management server 20, the loan registration request subject information and the mortgage deposit registration request subject information associated with the corresponding loan registration request subject is When the deposit mortgage loan registration request is carried out, the deposit mortgage loan control module 40 receives the deposit mortgage loan registration request (S101) and determines whether the deposit mortgage loanable subject for the loan registration request subject (S102). .

At this time, when the determination result (S102), the loan registration request subject is a deposit mortgage loan impossible subject, the deposit security loan control module 40 sends a deposit security loan registration request disapproval message through the client client 10 Send to the customer (S103).

On the other hand, when the determination result (S102), the loan registration request subject is a deposit mortgage loanable subject, the deposit security loan control module 40 is the collateral deposit registration request subject is collateral for the loan registration request subject It is determined whether or not it is possible (S104).

At this time, when the determination result (S104), if the security for the loan registration request subject is impossible, the deposit security loan control module 40 sends a deposit security loan registration request disapproval message to the customer through the customer client 10 It transmits (S103).

On the other hand, when the determination result (S104), when the security for the loan registration request subject is possible, the deposit security loan control module 40 deposits to the deposit security loan register 31 of the deposit security loan module 30 The mortgage loan registration command (S105).

Then, the deposit security loan registration unit 31 requests the deposit security loan registration execution to the deposit security loan execution module 50 according to the deposit security loan registration command (S106).

Accordingly, the deposit security loan execution module 50 registers a loan transaction account in the loan ledger information DB 61 according to the deposit security loan registration execution request and sets loan ledger information (S107).

Then, the deposit security loan execution module 50 searches the loan ledger information DB 61 to check whether the card payment account designation registration setting corresponding to the loan transaction account (S108).

At this time, when the confirmation result (S108), the card payment account designation registration is set, the deposit security loan execution module 50 sets the cash payment card connection registration in the loan ledger information DB 61 ( S109). Here, the cash payment card is an instrument incorporating a cash card function such as a check card (debit card) and a payment function, reflecting the government's willingness to activate the cash payment card, social issues such as a surge in credit card delinquency rate (Issue), increase income deductions, reduce lottery interest rate sensitivity through receipt lottery draws, credit card replacement products for customers such as temporary workers, housewives, and small business employees in the blind spot Available for sale. In addition, the cash payment card is integrated with the cash card function and the payment function, it is possible to promote the increase in loans and provide convenience to customers.

On the other hand, when the confirmation result (S108), the card payment account designation registration is not set, the secured mortgage loan execution module 50 is the mortgage management ledger information DB of the deposit secured loan DB module 60 ( In step 62, collateral management ledger information about the loan is set (S110).

In addition, the deposit collateral loan execution module 50 sets the deposit ledger information about the deposit which is the subject of the deposit collateral associated with the loan in the deposit ledger information DB 65 (S111). Here, the account of the security deposit associated with the loan may be plural.

In addition, the deposit security loan execution module 50 sets the registration / release ledger information related to the deposit security loan service registration in the registration / release ledger information DB 64 (S112).

Then, the deposit security loan execution module 50 sets the information ledger information about the customer information registered in the deposit security loan service in the information ledger information DB 65 (S113).

In addition, the deposit security loan execution module 50 reports the deposit security loan registration result to the deposit security loan control module 40 (S114).

Accordingly, the deposit security loan control module 40 transmits a deposit security loan registration approval message to the customer through the customer client 10 according to the deposit security loan registration result report (S115).

In the above, the deposit security loan registration process will be described in detail, but since the deposit security loan release process is similar, the description thereof will be omitted. However, by removing the mortgage loan, various kinds of information stored in the various DBs are also deleted.

Hereinafter, the loanable amount checking process S300 will be described with reference to FIG. 5.

FIG. 5 illustrates a process for checking loan amount according to an embodiment of the present invention in FIG. 3.

First, the customer registered in the deposit security loan service makes a deposit security deposit or withdrawal request or a deposit security loan payment request to the deposit security loan control module 40 through the customer client 10. Accordingly, the deposit security loan control module 40 receives the customer's deposit security request (S301), and determines whether the deposit security request is a deposit security deposit or withdrawal request or a deposit security loan payment request (S302).

In this case, as shown in FIG. 6, which is a flowchart illustrating a deposit security deposit and withdrawal step in FIG. 5, when the determination result (S302), the deposit security request is a deposit security deposit and withdrawal request, the deposit security loan control module 40. ) Orders deposit deposit and withdrawal for the security deposit corresponding to the amount deposited and withdrawn by the customer to the deposit and withdrawal unit 33 (S303).

Accordingly, the deposit deposit and withdrawal unit 33 requests deposit deposit and withdrawal execution to the deposit security loan execution module 50 according to the deposit and withdrawal command (S304).

Thus, the deposit security loan execution module 50 updates the deposit ledger information by recording the deposit amount withdrawal details in the deposit ledger information DB 63 according to the deposit deposit and withdrawal execution request (S305).

In addition, the deposit security loan execution module 50 updates the security management ledger information by increasing or decreasing the final deposit balance of the security deposit according to the updated deposit ledger information (S306). In other words, when the deposit for the security deposit is deposited, the final deposit balance of the security deposit will increase, whereas if the deposit for the security deposit is withdrawn, the final deposit balance of the security deposit will decrease.

Accordingly, the deposit security loan execution module 50 updates the loan ledger information by changing the loanable amount according to the final deposit balance of the increased or decreased collateral deposit in the loan ledger information DB 61 (S307). Here, the loanable amount refers to the smaller of the loan limit amount and the loan limit ratio amount (for example, 95% of the mortgage balance) to the security deposit balance. However, the loan limit ratio is an amount corresponding to the loan limit ratio with respect to the security deposit balance and may be fixed above a certain amount of the security deposit balance. The fixed amount of this security deposit balance is at the customer's option. In addition, the loanable amount is managed in a real time limit.

In addition, the deposit security loan execution module 50 reports the deposit security deposit and withdrawal result to the deposit security loan control module 40 (S308).

Accordingly, the deposit security loan control module 40 transmits a deposit security deposit and withdrawal result message to the customer through the customer client 10 according to the deposit security deposit and withdrawal result report (S309).

Meanwhile, in the determination result S302 of FIG. 5, when the deposit collateral loan request is a deposit collateral loan payment request, the deposit collateral loan control module 40 is the type of the client client 10 who requested the deposit collateral loan payment. Determine (S310). That is, the deposit security loan control module 40 is whether the client client 10 who requested the payment of the security deposit loan is a window client such as a branch office automation device, an internet client such as Internet banking, or a card client related to a cash payment card. It determines the recognition (S310).

In this case, as shown in FIG. 7, which is a flowchart illustrating a window loan checking amount in FIG. 5, when the determination result (S310), the client client 10 is a window client, the deposit security loan control module. 40 instructs the payment of the deposit security loan loan to the loan payment unit 34 of the deposit security loan module 30 (S311).

Accordingly, the loan payment unit 34 requests the corresponding window deposit security loan payment execution to the deposit security loan execution module 50 according to the window deposit security loan payment command (S312).

Accordingly, the deposit collateral loan execution module 50 searches for the loan ledger information DB 61 according to the counter deposit collateral loan payment execution request and matches the password of the counter loan transaction account included in the counter deposit collateral loan payment execution request. Check whether or not (S313).

At this time, when the check result (S313), the password of the window loan transaction account is inconsistent, the deposit security loan execution module 50 reports the account password mismatch to the deposit security loan control module 40 (S314). ).

Accordingly, the deposit security loan control module 40 transmits an account password mismatch message to the window customer through the window client according to the account password mismatch report (S315).

On the other hand, when the verification result (S313), the password of the teller loan transaction account is matched, the deposit security loan execution module 50 retrieves the loan ledger information DB 61 to the teller loan transaction account; The amount of the loan can be determined according to the loan limit amount and the loan limit ratio amount for the balance of the security deposit (S316).

On the other hand, as shown in Figure 8 which is a flow chart showing the step of confirming the amount of Internet loan available in Figure 5, when the determination result (S310), the customer client 10 is an Internet client, the deposit security loan control module 40 receives an attempt to log in to the Internet banking of the corresponding Internet customer (S330) and orders the payment of the Internet security deposit loan to the loan payment unit 34 of the deposit security loan module 30 (S331).

Accordingly, the loan payment unit 34 requests the deposit security loan execution module 50 to execute the payment of the deposit security loan in accordance with the Internet deposit security loan payment command (S332).

In addition, the deposit security loan execution module 50 searches the information ledger information DB 65 in accordance with the request for the execution of the payment security loan mortgage and confirms whether or not the password match of the Internet transaction (S333).

At this time, when the verification result (S333), the password of the Internet transaction is inconsistent, the deposit security loan execution module 50 reports the Internet transaction password mismatch to the deposit security loan control module 40 (S334). .

Accordingly, the deposit security loan control module 40 transmits an internet transaction password mismatch message to an internet customer through the internet client according to the internet transaction password mismatch report (S335).

On the other hand, when the verification result (S333), the password of the Internet transaction is matched, the deposit security loan execution module 50 searches the loan ledger information DB 61 to the request for the execution of payment of the Internet security deposit loans Check whether or not the password matching the Internet loan transaction account (S336).

At this time, when the verification result (S336), the password of the Internet loan transaction account is inconsistent, the deposit security loan execution module 50 reports the account password mismatch to the deposit security loan control module 40 (S337). ).

Accordingly, the deposit security loan control module 40 transmits an account password mismatch message to the Internet customer through the Internet client according to the account password mismatch report (S338).

On the other hand, when the verification result (S336), the password of the Internet loan transaction account is matched, the deposit security loan execution module 50 retrieves the loan ledger information DB (61) to the Internet loan transaction account The amount of the loan can be determined according to the loan limit amount and the loan limit ratio amount on the balance of the security deposit (S339).

On the other hand, as shown in Figure 9 which is a flow chart showing the step of checking the amount of credit card loan in FIG. 5, when the determination result (S310), the client client 10 is a card client, the control of the mortgage loan The module 40 searches the loan ledger information DB 61 of the deposit security loan DB module 60 and determines whether the balance of the card loan transaction account registered as the card settlement account is insufficient compared with the card settlement fund. (S350). That is, when a card customer uses a corresponding cash payment card at a cash payment card merchant such as a check card, the corresponding cash payment card merchant bills the payment as a cash payment card company, and the corresponding cash payment card company is a financial institution such as a bank. Make a payment request for card payment.

At this time, when the determination result (S350), the balance of the credit card loan transaction account is not short, the deposit security loan control module 40 performs the card payment fund transfer to the card customer (S351).

On the other hand, when the determination result (S350), the balance of the credit card loan transaction account is insufficient, the deposit security loan control module 40 to the loan payment unit 34 of the deposit security loan module 30 to the credit card loan security loan Order the payment (S352).

Accordingly, the loan payment unit 34 requests the deposit security loan execution module 50 to execute the payment of the corresponding credit deposit security loan according to the card deposit security loan payment command (S353).

In addition, the deposit security loan execution module 50 searches the loan ledger information DB 61 according to the card deposit security loan payment execution request and whether the card loan transaction transaction code included in the card deposit security loan payment execution request is matched. Check (S354).

At this time, when the check result (S354), the password of the card loan transaction account is inconsistent, the deposit security loan execution module 50 reports the account password mismatch to the deposit security loan control module 40 (S355). ).

Accordingly, the deposit security loan control module 40 transmits an account password mismatch message to a card customer through the card client according to the account password mismatch report (S356).

On the other hand, when the verification result (S354), the password of the card loan transaction account is matched, the deposit security loan execution module 50 searches the loan ledger information DB 61 to the card loan transaction account The amount of the loan can be determined according to the loan limit amount for the loan limit amount and the balance of the deposit deposit (S357).

Hereinafter, the loan payment / DB update process will be described with reference to FIG. 10.

FIG. 10 is a flowchart illustrating a loan payment / DB update process in FIG. 3.

First, the deposit security loan execution module 50 compares the checked loan amount and the requested loan amount, and determines whether the loan amount is smaller than the loan amount payment (S501).

At this time, when the determination result (S501), the loanable amount is smaller than the loan payment amount, the deposit security loan execution module 50 reports the loan payment impossibility to the deposit security loan control module 40 (S502). ).

Accordingly, the deposit security loan control module 40 transmits a loan payment impossible message to the customer through the customer client 10 according to the loan payment failure report (S503).

On the other hand, if the determination result (S501), the loanable amount is not less than the loan payment amount, the loan security loan execution module 50 pays the loan to the customer (S504), the loan ledger information DB ( 61) update the loan ledger information by recording the loan payment details in step S505, and update the information in the ledger information by recording the details of the loan payment execution in the customer information that received the loan payment in the information ledger information DB 65; (S506), the actuarial ledger information DB 66 records the accounting processing details regarding the loan payment and registers the actuarial ledger information (S507).

Then, the deposit security loan execution module 50 reports the loan payment result to the deposit security loan control module 40 (S508).

Accordingly, the deposit security loan execution module 50 transmits a loan payment result message to the customer through the customer client 10 according to the loan payment result report (S509).

In addition, the embodiment according to the present invention is not limited to the above-mentioned, and can be implemented by various alternatives, modifications, and changes within the scope apparent to those skilled in the art.

As described above, the present invention can reduce the amount of work due to the handling and repayment of a deposit mortgage loan that occurs at a financial institution, such as a bank that is a deposit mortgage lending service provider, and the customer who is a deposit mortgage lending service user also By reducing the frequency of bank visits, the company can reduce the costs of financial transactions with each other. By connecting the deposit ledger and the loan ledger around the mortgage ledger, the amount of loans can be changed in real time. , By issuing cash payment cards such as check cards with loan accounts as payment accounts to customers, integrating the cash card function and the payment function, to provide various value-added services such as facilitating consumer spending through credit card merchants. Secondary benefits that can prevent overconsumption and bad credit that appear to be a problem with credit cards There is also.

Claims (23)

A client client that receives a deposit security loan-related request from a customer and provides the customer with deposit security loan related information; Loanable amount variable deposit security loan system characterized in that it comprises a deposit security loan management server that provides a deposit security loan service by varying the loanable amount of the customer in accordance with the increase or decrease of the deposit security amount associated with the loan . The method of claim 1, The loanable amount is A loanable amount variable deposit security loan system, which is managed as a real-time limit and is the lesser of the loan limit amount and the loan limit ratio amount against the balance deposit balance. The method of claim 2, The loan limit ratio amount is The loanable amount variable deposit security loan system, characterized in that the amount corresponding to the loan limit ratio to the security deposit balance can be fixed above a certain amount of the security deposit balance. The method of claim 1, The customer client, A loanable amount variable deposit security loan system, characterized in that any one of a branch office automated device client, Internet banking-related Internet client or cash payment card-related card client. The method of claim 4, wherein The cash payment card, A loanable amount variable deposit security loan system, characterized in that the medium is an integrated card and cash payment function. The method of claim 1, The deposit security loan management server, A deposit security loan control module configured to control a system by generating a deposit security loan related command corresponding to the customer's deposit security loan related request; A deposit security loan module for generating a deposit security loan execution request according to the deposit security loan related command; A deposit collateral loan execution module for executing the deposit collateral loan by varying a loanable amount according to the final deposit balance of the increased or decreased collateral deposit according to the deposit collateral loan execution request; The loanable amount variable deposit mortgage loan system, characterized in that comprises a deposit mortgage loan DB module for storing all information about the deposit mortgage loan. The method of claim 6, The deposit security loan module, A deposit security loan register for generating a deposit security loan registration execution request in accordance with the deposit security loan registration command; A deposit security loan release unit for generating a deposit security loan release execution request according to the deposit security loan release command; A deposit deposit and withdrawal unit for generating a deposit deposit and withdrawal execution request according to a deposit security deposit and withdrawal command for the security deposit; And a loan payment payment unit for generating a deposit security loan payment execution request according to the deposit security loan payment command. The method of claim 6, The deposit security loan DB module, A loan ledger information DB for storing customer-specific loan ledger information regarding the loan of the deposit security loan service; A deposit ledger information DB for storing deposit expedition information on deposits subject to deposit collateral associated with the loan; A collateral management ledger information DB for storing collateral management ledger information about the collateral relationship between the loan ledger and the deposit ledger associated with the loan ledger; A registration / cancellation ledger information DB for storing registration / cancellation ledger information for registering and releasing the deposit security loan service; An informational ledger information DB for storing informational ledger information regarding customer information provided with the deposit security loan service; Actuarial ledger information DB for storing the actuary ledger information for accounting processing of the deposit security loan service, characterized in that the loanable amount variable deposit security loan system. Setting up a mortgage loan service; Checking a loanable amount by increasing or decreasing a deposit security amount associated with the set loan and changing a loanable amount of a customer according to the increase or decrease of the deposit security amount; The loanable amount variable deposit security loan method comprising the step of paying the loan to the customer in accordance with the identified loanable amount and updating the relevant DB. The method of claim 9, The deposit security loan service setting process, Receiving a deposit security loan registration request and determining whether a deposit security loan subject is available for the loan registration request subject and whether the security deposit registration request subject is secured for the loan registration request subject; Requesting deposit security loan registration execution by instructing deposit security loan registration if the security for the loan registration request subject is available; Registering a loan transaction account according to the deposit security loan registration execution request to set loan ledger information and setting up security ledger information on the loan; Setting deposit ledger information on deposits that are subject to deposit collateral associated with the loan and setting registration / cancellation ledger information on deposit security loan service registration; Setting the information ledger information on the customer information registered in the deposit security loan service, reporting the deposit mortgage registration result and transmitting the deposit mortgage loan registration approval message; Mortgage Loan Method. The method of claim 10, The deposit security loan service setting process, Confirming whether or not a card payment account designation registration setting corresponding to the loan transaction account; And setting a cash payment card linked registration when the card payment account designation registration is set. The method of claim 10, The deposit security loan service setting process, When the loan registration request subject is a deposit mortgage loan-unable subject or when the security for the loan registration request subject is not possible, further comprising the step of transmitting a deposit mortgage loan registration request disapproval message Type deposit collateral loan method. The method of claim 9, The loan amount confirmation process, Receiving a deposit security request of the customer to determine whether a deposit security deposit or withdrawal request or a deposit security loan payment request; Determining the type of the client client who requested the deposit security loan payment when the deposit security request is the deposit security loan payment request; Determining whether the balance of the card loan transaction account designated as the card settlement account is insufficient compared to the card settlement fund when the client client is the card client; Instructing the payment of the card deposit collateral loan when the balance of the card loan transaction account is insufficient, and requesting the execution of the card deposit collateral loan payment; Confirming whether the card loan transaction account has a password match according to the card deposit security loan payment execution request; And checking the loanable amount according to the loan limit amount for the card loan transaction account and the loan limit ratio amount for the mortgage deposit balance when the passwords of the card loan transaction account match. Possible amount variable-rate mortgage loan method. The method of claim 13, The loan amount confirmation process, If the balance of the credit card loan transaction account does not run out, further comprising the step of performing a card payment fund transfer to the card customer. The method of claim 13, The loan amount confirmation process, And reporting an account password mismatch and transmitting an account password mismatch message when the password of the card loan transaction account is mismatched. The method of claim 13, The loan amount confirmation process, Requesting a window deposit mortgage loan payment execution by instructing a window deposit mortgage loan payment if the client client is a window client; Confirming whether or not the coincidence of the counter loan transaction account coincides according to the request for executing the counter deposit security loan payment; And checking the loanable amount according to the loan limit amount for the window loan transaction account and the loan limit ratio amount for the mortgage deposit balance when the counter loan transaction account passwords match. Loan Amount A variable deposit mortgage method. The method of claim 16, The loan amount confirmation process, And reporting an account password mismatch and transmitting an account password mismatch message if the password of the teller loan transaction account is inconsistent. The method of claim 13, The loan amount confirmation process, If the client client is an Internet client, receiving an Internet banking login attempt and instructing payment of an Internet deposit security loan payment to request execution of an Internet deposit security loan payment; Confirming whether or not the password matches the Internet transaction according to the execution request for payment of the security deposit loan on the Internet; Confirming whether or not the password of the Internet loan transaction account matches if the password of the Internet transaction matches; If the password of the internet loan transaction account is matched, further comprising the step of checking the loanable amount according to the loan limit amount for the internet loan transaction account and the loan limit ratio amount for the balance deposit balance; Loan Amount A variable deposit mortgage method. The method of claim 18, The loan amount confirmation process, And reporting an internet transaction password mismatch when the password of the internet transaction is inconsistent and transmitting an internet transaction password mismatch message. The method of claim 18, The loan amount confirmation process, And reporting an account password mismatch and transmitting an account password mismatch message if the password of the internet loan transaction account is mismatched. The method of claim 13, The loan amount confirmation process, When the deposit security request is a deposit security deposit and withdrawal request, requesting deposit deposit and withdrawal for a security deposit corresponding to the amount deposited and withdrawn by the customer and requesting deposit and withdrawal execution; Updating deposit ledger information by recording a deposit amount withdrawal details according to the deposit withdrawal execution request; Updating the security management ledger information by increasing or decreasing the final deposit balance of the security deposit according to the updated deposit ledger information; Updating the loan ledger information by changing the loanable amount according to the final deposit balance of the increased or decreased collateral deposit; And reporting the deposit security deposit and withdrawal result and transmitting a deposit security deposit and withdrawal result message. The method of claim 9, The loan payment / DB update process, Comparing the checked loan amount with the loan amount requested and determining whether the loan amount is less than the loan amount; Updating the loan ledger information by paying a loan to the customer and recording the loan payment details when the loanable amount is not smaller than the loan payment amount; Registering the actuarial ledger information by recording the loan payment execution history in the customer information received the loan payment, updating the information ledger information, and recording the accounting processing details regarding the loan payment; And reporting a loan payment result and transmitting a loan payment result message. The method of claim 22, The loan payment / DB update process, If the loanable amount is less than the loan payment amount, the loan payment amount variable deposit mortgage loan method characterized in that it further comprises the step of reporting the loan payment impossible payment message.