In the method of the present invention, the financial technical service device can receive loan application information including open call option information and loan condition information for applying for a subscription to the open call subscription from the first information terminal. The financial technical service device can open an investment product based on the loan application information and receive the investment application information on the investment product opened from one or more second information terminals and perform the investment attraction process so as to deposit the investment money . The financial technical service device can execute the subscription for public offering by using the deposited investment money, and can process data and electronic signals for transferring the loan to the account specified in the loan application information. The financial technology service device can perform the interest settlement and the investment return process according to the subscription cash on the payment due date according to the IPO allocation.
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