Asset management method based on credit card receivables and the asset management apparatus based on credit card receivables

摘要

The present invention relates to a card receivable-based asset management method and a card receivable-based asset management apparatus. According to the present invention, a card payment amount can be withdrawn as soon as card payment approval is made and profits can be generated by managing a card sales amount as an asset. The card receivable-based asset management method comprises the steps of: receiving first account withdrawal request information; identifying affiliated store member identification information; confirming whether or not a withdrawal amount in the first account withdrawal request information exceeds a balance amount in a second account database; confirming whether or not the withdrawal amount in the first account withdrawal request information exceeds a total amount of a credit amount; and performing loan processing on a remaining amount excluding the balance amount in the second amount database from the withdrawal amount in the first account withdrawal request information, and withdrawing the balance amount of the second account database.