PURPOSE: A method for providing a bank loan service to a business owner and a system thereof are provided to directly collect repayments from sales of the business owner by every repayment time. CONSTITUTION: A bank system sets up an account for deposit of sales of a business owner and repayments for principal and interest. The bank system stores loan principal and interest information and account information in a ledger database(510). The bank system generates sales information and stores the same in the ledger database(520). The bank system determines repayments by every repayment time. The bank system deposits the repayments in the account of the business owner(530). [Reference numerals] (510) Setting up an account related to a loan principal and interest of a business owner subscribed in a loan service and storing loan principal and interest information and account information in a ledger database; (520) Generating sales information for each predetermined period and storing the same in the ledger database; (530) Determining repayments by every payment time based on the loan principal and interest information and the sales information and depositing the repayments to the account of the business owner; (AA) Start; (BB) End
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