A system and method for providing cash according to the upgrade of a game character

Abstract

The present invention relates to a system and method for providing cash upon upgrading a game character. To this end, a system for providing cash upon upgrading a game character according to one embodiment of the present invention may include: a mobile terminal that, when a financial-related mission is completed through an application, transmits mission completion information to a financial server, and when points corresponding to the mission completion are received from the financial server, applies the received points to a game character within the application and requests an upgrade of the game character to the financial server; and the financial server that, when a request for an upgrade of the game character is received from the mobile terminal, upgrades the game character and deposits cash corresponding to the upgraded game character into the user's bank account.

Description

Technology Field

[0001] The present invention relates to a system and method for providing cash upon upgrading a game character. Background Technology

[0002] Generally, with the widespread adoption of mobile devices, banks are developing applications installed on these devices to provide financial transactions, and users can download and install these applications on their mobile devices. Users then receive financial services through these installed applications.

[0003] However, conventionally, preferential interest rates or card points were provided only when making credit card payments or subscribing to financial products; there was no service that deposited cash into a bank account when playing character-based games within the application.

[0004] Therefore, there is a need for technology that allows customers to pursue profit and companies to utilize for customer marketing by providing cash rewards for completing given missions through gamified activities. Prior art literature

[0005] Korean Registered Patent Publication No. 10-1414143 (June 25, 2014) The problem to be solved

[0006] Accordingly, the present invention provides a system and method for providing cash upon upgrading a game character.

[0007] The objects of the present invention are not limited to those mentioned above, and other unmentioned objects and advantages of the present invention may be understood from the following description and will be more clearly understood by the embodiments of the present invention. Furthermore, it will be readily apparent that the objects and advantages of the present invention can be realized by the means and combinations thereof set forth in the claims. means of solving the problem

[0008] To achieve this purpose, a system for providing cash upon upgrading a game character according to one embodiment of the present invention may include: a mobile terminal that, when a financial-related mission is completed through an application, transmits mission completion information to a financial server, and when points corresponding to the mission completion are received from the financial server, applies the received points to a game character within the application and requests an upgrade of the game character to the financial server; and the financial server that, when a request for an upgrade of the game character is received from the mobile terminal, upgrades the game character and deposits cash corresponding to the upgraded game character into the user's bank account.

[0009] In addition, a method performed in a system for providing cash upon upgrading a game character according to an embodiment of the present invention may include: a process in which a mobile terminal transmits mission completion information to a financial server when the execution of a financial-related mission is completed through an application; a process in which the financial server transmits points corresponding to the execution of the mission to the mobile terminal; a process in which the mobile terminal requests an upgrade of the game character to the financial server by applying the received points to the game character within the application; a process in which the financial server upgrades the game character when the request for the upgrade of the game character is received from the mobile terminal; and a process in which the financial server deposits cash corresponding to the upgraded game character into the user's bank account. Effects of the invention

[0010] According to the present invention, a mobile terminal transmits information on the completion of financial-related missions through an application, and by receiving points for performing the missions, the user can obtain financial benefits through an enjoyable game.

[0011] In addition, according to the present invention, a mobile terminal applies points to a game character to request an upgrade of the game character from a financial server, and by receiving points and preferential interest rates for the upgrade from the financial server, the user can receive a high deposit interest rate or a low loan interest rate.

[0012] In addition, according to the present invention, when a financial server receives a request for an upgrade of a game character from a mobile terminal, it upgrades the game character and deposits cash corresponding to the upgraded game character into the user's bank account, thereby utilizing it for customer marketing.

[0013] In addition to the effects described above, the specific effects of the present invention are described together with the specific details for implementing the invention below. Brief explanation of the drawing

[0014] FIG. 1 is an exemplary diagram showing a reward provision system for upgrading a game character according to one embodiment of the present invention. FIG. 2 is a flowchart illustrating the process of providing rewards following the upgrade of a game character according to one embodiment of the present invention. FIG. 3(a) is an example diagram showing the initial screen of an application according to one embodiment of the present invention. Figure 3(b) is an example diagram showing a screen in which a reward is received after watering a game character according to one embodiment of the present invention. FIG. 4(a) is an example diagram showing a screen providing a nutritional supplement to a game character according to one embodiment of the present invention. Figure 4(b) is an example diagram showing an upgraded state of a game character according to one embodiment of the present invention. FIG. 5 is a block diagram of a financial server that provides cash upon upgrading a game character according to one embodiment of the present invention. FIG. 6 is a flowchart illustrating the process of a financial server determining a preferential interest rate based on a customer's game level according to one embodiment of the present invention. Specific details for implementing the invention

[0015] The aforementioned objectives, features, and advantages are described in detail below with reference to the attached drawings, thereby enabling those skilled in the art to easily implement the technical concept of the present invention. In describing the present invention, detailed descriptions of known technologies related to the present invention are omitted if it is determined that such descriptions would unnecessarily obscure the essence of the invention. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

[0016] Although terms such as "first," "second," etc., are used to describe various components, it goes without saying that these components are not limited by these terms. These terms are used merely to distinguish one component from another, and unless specifically stated otherwise, the first component may also be the second component.

[0017] In the following, the statement that any configuration is placed on the "upper (or lower)" of a component or on the "upper (or lower)" of a component may mean not only that any configuration is placed in contact with the upper (or lower) surface of said component, but also that another configuration may be interposed between said component and any configuration placed on (or below) said component.

[0018] In addition, where it is stated that one component is "connected," "combined," or "connected" to another component, it should be understood that while the components may be directly connected or connected to each other, another component may be "interposed" between each component, or each component may be "connected," "combined," or "connected" through another component.

[0019] Throughout the specification, unless specifically stated otherwise, each component may be singular or plural.

[0020] Singular expressions used in this specification include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "composed of" or "comprising" should not be interpreted as necessarily including all of the various components or steps described in the specification, and should be interpreted as meaning that some of the components or steps may be omitted or additional components or steps may be included.

[0021] Throughout the specification, "A and / or B" means A, B, or A and B unless specifically stated otherwise, and "C to D" means C or more and D or less, unless specifically stated otherwise.

[0022] Hereinafter, a reward provision system and method for upgrading a game character according to some embodiments of the present invention will be described.

[0023] FIG. 1 is an exemplary diagram showing a reward provision system for upgrading a game character according to one embodiment of the present invention.

[0024] Referring to FIG. 1, a reward provision system (100) for upgrading a game character according to one embodiment of the present invention includes a mobile terminal (110) and a financial server (120), and the transmission and reception of data between the mobile terminal (110) and the financial server (120) is performed through a network (101).

[0025] According to one embodiment, the portable terminal (110) includes an electronic device that can be carried by an individual, such as a smartphone or a laptop, and has or can have an application that provides financial transactions (e.g., K-Bank application) installed on it.

[0026] According to one embodiment, the mobile terminal (110) can maintain, manage, or upgrade game characters through an application (e.g., K-Bank application).

[0027] Additionally, when the mobile terminal (110) completes a financial-related mission through an application, it transmits mission completion information to the financial server (120) and can receive points from the financial server (120) for the completion of the mission. Then, the mobile terminal (120) can apply the points to a game character within the application and request an upgrade of the game character from the financial server (120).

[0028] According to one embodiment, when the financial server (120) receives a request for an upgrade of a game character from a mobile terminal (110), it can upgrade the game character and deposit cash corresponding to the upgraded game character into the user's bank account (e.g., K-Bank account).

[0029] Additionally, when a financial server (120) receives an application for savings or a loan from a mobile terminal (110), it can check the user's game level, determine a preferential interest rate based on the checked game level, and determine a final interest rate for savings or a loan by reflecting the determined preferential interest rate in the interest rate determined based on the user's credit.

[0030] FIG. 2 is a flowchart illustrating the process of providing a reward following the upgrade of a game character according to an embodiment of the present invention. FIG. 3(a) is an example diagram illustrating the initial screen of an application according to an embodiment of the present invention. FIG. 3(b) is an example diagram illustrating the screen showing a reward being provided after watering a game character according to an embodiment of the present invention. FIG. 4(a) is an example diagram illustrating the screen showing a nutritional supplement being provided to a game character according to an embodiment of the present invention. FIG. 4(b) is an example diagram illustrating the upgraded state of a game character according to an embodiment of the present invention.

[0031] Hereinafter, with reference to (b) of FIGS. 1 to 4, the process of providing a reward for upgrading a game character according to one embodiment of the present invention will be described in detail as follows.

[0032] According to one embodiment, the mobile terminal (110) can identify whether the mission is completed through an application (S210). The mobile terminal (110) can identify whether the mission is completed through an application, such as visiting a financial product page, visiting a service page, and checking a loan limit.

[0033] [Table 1] below shows points per product page (e.g., nutritional supplements) according to the present invention.

[0034] Visit product page Points (e.g., nutritional supplements) 1 Living expenses account Go view product page 1 2 group account Go view product page 1 3 Meeting fee plus Go view product page 1 4 Plus Box Go view product page 1 5 Challenge Box Go view product page 1 6 fixed deposit Go view product page 2 7 Free savings Go view product page 2

[0035] Product pages are provided in various ways depending on the type of financial product, and users can obtain knowledge or information about financial products through the application.

[0036] These product pages may include a living account, a group account, a group fee plus, a plus box, a challenge box, a fixed deposit, and a free installment savings account. And, when visiting each product page, the corresponding points (e.g., nutritional supplements) are provided from the financial server (120).

[0037] For example, if a user wants to obtain knowledge or information about a desired financial product, selecting 'View Product Page' will display the corresponding financial product page on the application.

[0038] Table 2 below shows points (e.g., nutritional supplements) per service page according to the present invention.

[0039] Visit service page Points (e.g., nutritional supplements) 1 My Credit Management Go to service page 2 2 Money Talk Go to service page 1 3 Home Change Notification Go to service page 1 4 Today's Living Market Prices Go to service page 1 5 IPO Mate Go to service page 1

[0040] Service pages are provided in various ways depending on the type of financial value-added service, and users can obtain knowledge or information about the value-added services through the application.

[0041] These additional pages may include My Credit Management, Money Talk, My House Fluctuation Notification, Today's Living Market Rates, and Public Offering Mate. And, when visiting each additional page, the corresponding points (e.g., nutritional supplements) are provided from the financial server (120).

[0042] For example, if a user wants to obtain knowledge or information about an additional service, selecting 'Report Service Page' will display the relevant financial product page on the application.

[0043] Table 3 below shows points (e.g., nutritional supplements) for credit loan limit inquiry according to the present invention.

[0044] Loan limit inquiry Points (e.g., nutritional supplements) 1 Check credit loan limit 3

[0045] For example, if a user wants to check their credit loan limit, they select 'Check Credit Loan Limit', and the financial server (120) calculates the user's credit loan limit and displays it on the application. In this case, the financial server (120) provides points (e.g., nutritional supplements) to the mobile terminal (110).

[0046] In this way, the mobile terminal (110) can provide the user with various financial products, services, and financial information such as checking loan limits through an application.

[0047] For example, if the game character is a tree, the tree grows by supplying the points earned to the game character, the tree.

[0048] In this invention, a case is described where the game character is a tree and the points are nutrients; however, this is merely an example, and the invention does not limit the game character or the type of points.

[0049] According to one embodiment, the mobile terminal (110) can transmit mission completion information to the financial server (120) (S212). When at least one mission included in [Table 1] to [Table 3] above is completed, the mobile terminal (110) can transmit mission completion information to the financial server (120).

[0050] For example, mission completion information may include a mobile terminal identifier (e.g., phone number), username, mission information (e.g., page visit history, page type, etc.), game character type, game character level, etc.

[0051] According to one embodiment, the financial server (120) can verify the completion of a mission (S214). The financial server (120) can verify whether the mobile terminal (110) has completed the mission by receiving mission completion information from the mobile terminal (110), or by checking through records of visiting product pages or service pages related to the mission. Additionally, the financial server (120) can verify whether the mission has been completed through records of the user checking the loan limit based on their credit.

[0052] According to one embodiment, if the mission is not successfully performed, the financial server (120) may send a message to the mobile terminal (110) to complete the mission (S216, S218). If the mission is not successfully performed or is stopped midway, the financial server (120) may send a message to the mobile terminal (110) to complete the mission. Alternatively, the financial server (120) may send a guidance message to the mobile terminal (110) regarding additional products or additional services related to the product page or service page selected by the user.

[0053] According to one embodiment, the financial server (120) may award points upon successful completion of a mission (S216, S220). When a mission is successfully completed, the financial server (120) may add the points set for the mission to the user's account. These points accumulate in the user's account and can be used to grow a game character in the future. Additionally, if the game character is a tree, the tree may be grown by watering it, etc.

[0054] According to one embodiment, the mobile terminal (110) can apply points to a game character (S222). The application of the mobile terminal (110) can grow the game character by applying points to the game character. For example, if the game character is a tree, the application of the mobile terminal (110) can grow the tree by supplying points (e.g., nutrients) to the tree. For example, the tree can grow through a total of 7 stages, such as a pecory, a succulent, a tumbleweed, a turtle, a pier, and a money tree. As the stage increases, more nutrients and water are required, and the mobile terminal (110) can upgrade the tree by counting the supply cycle of nutrients and the supply cycle of water.

[0055] According to one embodiment, the mobile terminal (110) can identify whether the upgrade conditions of a game character are met (S224). The mobile terminal (110) can determine whether the conditions for upgrading a tree are met through the counted supply cycle of nutrients and the supply cycle of water.

[0056] According to one embodiment, the mobile terminal (110) can request an upgrade of a game character from the financial server (120) (S226). When the conditions for upgrading the tree are met, the mobile terminal (110) can request an upgrade of the tree from the financial server (120). Additionally, when the mobile terminal (110) requests an upgrade of the tree, it can transmit the number of times the supply cycle of nutrients and the supply cycle of water have been counted to the financial server (120). The financial server (120) can reflect these counted counts in determining the preferential interest rate. For example, the financial server (120) can set a higher preferential interest rate as the number of counts increases, and set a lower preferential interest rate as the number of counts decreases.

[0057] According to one embodiment, the financial server (120) can upgrade a game character (S228). When the financial server (120) receives a request to upgrade a game character from the mobile terminal (110), it can upgrade the game character to the next level by sending commands to upgrade the game character to the mobile terminal (110).

[0058] According to one embodiment, the financial server (120) can deposit cash corresponding to a game character into a bank account (S230). When the game character is upgraded to the next stage, the financial server (120) can immediately deposit cash corresponding to the upgrade into the user's bank account (e.g., K-Bank account). For example, the amount of cash deposited can increase as the stage increases.

[0059] According to one embodiment, the financial server (120) can notify the mobile terminal (110) that cash has been paid into the account (S232). When cash is deposited into the account, the financial server (120) can send a message to the mobile terminal (110) notifying that cash has been deposited into the account.

[0060] Referring to FIG. 3(a), the mobile terminal (110) can display an initial screen (310) for growing a game character through an application. The initial screen (310) may include a game character (311) (e.g., a tree), a mission icon (312) for performing a mission, a friend invitation icon (313) for inviting a friend, the current stage (314) of the game character, a nutrient supply icon (315) and a watering icon (316) that can be provided to the game character (311).

[0061] After performing a mission through the mission icon (312), the user can earn points (e.g., nutritional supplements) and invite friends registered in their phone number through the friend invitation icon (313) to receive benefits.

[0062] And, the user can grow the game character (311) by giving the game character (311) nutrients or water.

[0063] Referring to FIG. 3(b), the mobile terminal (110) can display a reward screen (320) on an application. The reward screen (320) may include a game character (311) (e.g., a tree), a message (321) regarding the deposit of cash, and a guidance message (322) encouraging watering and receiving cash.

[0064] For example, when a user selects a watering icon (316) to water a game character (311), the mobile terminal (110) can transmit to the financial server (120) that the watering icon (316) has been selected. Afterward, the financial server (120) can deposit cash (e.g., 1 won) corresponding to the watering into the user's bank account (e.g., K-Bank) and then send a message (321) to the mobile terminal (110) notifying that the cash (e.g., 1 won) has been deposited. The mobile terminal (110) can display the received message (321).

[0065] Referring to FIG. 4(a), a mobile terminal (110) can display a nutrient supply screen (410) that provides nutrients to a game character through an application. The nutrient supply screen (410) may include a game character (411), the current level (412) of the game character, a nutrient supply icon (413) and a watering icon (414) that can be provided to the game character (411). The user can grow the game character (411) by giving nutrients or water to the game character (411).

[0066] For example, as shown in FIG. 3 (a), when a user gives nutrients to a game character (311) (e.g., a seed), as shown in FIG. 4 (a), the game character (411) (e.g., a snail) grows and eventually the stage (i.e., level) is upgraded.

[0067] Referring to FIG. 4(b), the mobile terminal (110) can display a level-up screen (420) through an application indicating that the level of a game character has been upgraded. The level-up screen (420) may include a game character (421) whose level has been upgraded.

[0068] In this way, users can grow game characters (e.g., trees) by giving them nutrients or water, and through this, they can receive preferential interest rates when saving or taking out loans in the future.

[0069] According to one embodiment, the financial server (120) can identify whether a savings or loan is received (S234). The financial server (120) can identify whether a savings or loan is received from the mobile terminal (110) in accordance with the user's request. Such reception may include an amount the user wishes to save or an amount the user wishes to borrow.

[0070] According to one embodiment, when a savings or loan is received, the financial server (120) can check the user's game level (S236). When a savings or loan is received, the financial server (120) can determine an interest rate based on the user's credit. Typically, this interest rate is determined by adding a base rate and an additional rate. Afterward, the financial server (120) can check the user's game level. For example, the financial server (120) can check the level of the game character.

[0071] According to one embodiment, the financial server (120) can determine a preferential interest rate based on the game level (S238). When the financial server (120) confirms the stage of the game character, it can determine a preferential interest rate corresponding to the confirmed stage.

[0072] According to one embodiment, the financial server (120) can send a message to the mobile terminal (110) indicating the maximum interest rate with the preferential interest rate reflected (S240). The financial server (120) can determine the final interest rate by reflecting the preferential interest rate to the determined interest rate, and can send a message to the mobile terminal (110) including the determined final interest rate, the loan amount, the interest date, etc.

[0073] FIG. 5 is a block diagram of a financial server that provides cash upon upgrading a game character according to one embodiment of the present invention.

[0074] Referring to FIG. 5, a financial server (120) that provides cash for an upgrade of a game character according to one embodiment of the present invention may include a communication unit (510), a memory (520), and a processor (530).

[0075] The configuration of the financial server (120) shown in FIG. 5 is according to one embodiment, and the components of the financial server (120) are not limited to the embodiment shown in FIG. 5, and some components may be added, changed, or deleted as needed.

[0076] According to one embodiment, the communication unit (510) may include at least one circuit capable of transmitting and receiving at least one signal, information, and data with at least one mobile terminal (110).

[0077] Additionally, the communication unit (510) can be connected to at least one mobile terminal (110) via a wired or wireless connection to transmit and receive signals or data in real time. Through this, the financial server (120) can grow a game character in real time on an application of the mobile terminal (110).

[0078] According to one embodiment, when a financial-related mission is completed through an application on a mobile terminal (110), the communication unit (510) receives mission completion information from the mobile terminal (110) and can store the received mission completion information in memory (520).

[0079] According to one embodiment, the communication unit (510) can provide points upon completion of the mission to the mobile terminal (110) and can send a message to the mobile terminal (110) indicating the final interest rate with the preferential interest rate reflected.

[0080] According to one embodiment, the communication unit (510) can transmit a message (e.g., SMS (Short Message Service)) containing information regarding game character upgrades and cash payments to at least one designated mobile terminal under the control of the processor (150).

[0081] According to one embodiment, the memory (520) stores control logic or instructions that enable operation in conjunction with the mobile terminal (110). The memory (520) may include volatile memory or non-volatile memory. For example, the memory (520) may store information, data, programs, applications, etc., necessary for the operation of the financial server (120). Accordingly, the processor (530) can perform the control operation described below by referring to the information stored in the memory (520).

[0082] According to one embodiment, the memory (520) may store various platforms. The memory (520) may include at least one type of storage medium among, for example, a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (e.g., SD or XD memory, etc.), RAM, ROM (EEPROM, etc.), and a USB memory. This memory (520) may store information and data obtained through the communication unit (510).

[0083] According to one embodiment, the processor (530) may be implemented as at least one physical element among ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays), processors, microcontrollers, and microprocessors.

[0084] According to one embodiment, the processor (530) may have an artificial intelligence algorithm embedded therein. The algorithm for such artificial intelligence may be implemented by the processor (530). The artificial intelligence may support a deep learning neural network algorithm that analyzes, recognizes, infers, and judges various data on its own as a program that mimics the neural network of the human brain.

[0085] According to one embodiment, the processor (530) can load commands or data received from the communication unit (510) into memory (520) for processing, and store the processed data back into memory (520). The processor (530) can control the components of the financial server (120) overall (e.g., communication unit (510), and memory (520)). The processor (530) may include a mission verification unit (531), a reward determination unit (532), and a payment processing unit (533).

[0086] According to one embodiment, when the mission confirmation unit (531) receives mission completion information from the mobile terminal (110), it can determine whether the mission was successfully performed.

[0087] According to one embodiment, if the reward decision unit (532) determines that the mission performed by the mobile terminal (110) is successful, it can determine the quantity of points (e.g., nutritional supplements) for the mission performance.

[0088] According to one embodiment, the reward decision unit (532) can determine the cash for the mission if it is determined that the mission is successful.

[0089] According to one embodiment, the compensation determination unit (532) can determine a preferential interest rate based on the level of the game character. The compensation determination unit (532) can determine a lower preferential interest rate as the level of the game character decreases, and a higher preferential interest rate as the level of the game character increases. For example, the compensation determination unit (532) can determine a preferential interest rate of 0.001% when the level of the game character (e.g., Tree) is Palangcho, and a preferential interest rate of 0.006% when the level of the game character (e.g., Tree) is Money Tree. In the present invention, the number of levels and the preferential interest rate can be adjusted variably.

[0090] Additionally, the reward determination unit (532) may pay less cash as the level of the game character decreases, and increase the amount of cash paid as the level increases. For example, the reward determination unit (532) may determine a small amount of cash (e.g., 5 won) when the level of the game character (e.g., Tree) is Palangcho, and may determine a larger amount (e.g., 50 won) when the level of the game character (e.g., Tree) is Money Tree compared to when the level is Palangcho. In the present invention, the number of levels and the amount of cash can be adjusted variably.

[0091] According to one embodiment, the payment processing unit (533) can deposit the corresponding cash into the user's bank account when the game character (e.g., a tree) is watered or the level of the game character is upgraded.

[0092] In addition, the payment processing unit (533) can generate and manage various messages transmitted to the mobile terminal (110).

[0093] According to one embodiment, when a financial server (120) (e.g., processor (530)) receives information regarding the completion of a financial mission through an application, it can transmit points corresponding to the mission execution to a mobile terminal (110).

[0094] The performance of the above mission may include visiting a page explaining each financial product provided by the bank, visiting a page explaining each financial service, and checking loan limits. Additionally, the financial server (120) may award points differentially depending on the type of financial product, the type of financial service, and the loan limit inquiry.

[0095] According to one embodiment, when a financial server (120) (e.g., processor (530)) receives a request for an upgrade of a game character from a mobile terminal (110), the financial server (120) can upgrade the game character.

[0096] According to one embodiment, a financial server (120) (e.g., processor (530)) can deposit cash corresponding to an upgraded game character into a user's bank account. The financial server can distribute cash to the bank account differentially according to the level of the game character.

[0097] According to one embodiment, when a financial server (120) (e.g., processor (530)) receives an application for savings or a loan from a mobile terminal (110), it can check the user's game level and determine a preferential interest rate based on the checked game level. Then, the financial server (120) (e.g., processor (530)) can determine the final interest rate for savings or a loan by reflecting the determined preferential interest rate to the interest rate determined based on the user's credit. The preferential interest rate may increase as the game level increases and decrease as the game level decreases.

[0098] FIG. 6 is a flowchart illustrating the process of a financial server determining a preferential interest rate based on a customer's game level according to one embodiment of the present invention.

[0099] Hereinafter, with reference to FIG. 6, the process of a financial server according to one embodiment of the present invention determining a preferential interest rate based on a customer's game level will be described in detail as follows.

[0100] According to one embodiment, a financial server (120) (e.g., processor (530)) can identify whether a savings product opening or a loan application is being made from a mobile terminal (S610). The financial server (120) (e.g., processor (530)) can receive a non-face-to-face savings product opening or non-face-to-face loan application through a mobile terminal (110) application. Such an application may include an amount the user wishes to save or an amount they wish to borrow.

[0101] According to one embodiment, the financial server (120) (e.g., processor (530)) can determine a preferential interest rate based on the user's game level (S612). When a savings or loan is received, the financial server (120) (e.g., processor (530)) can determine the interest rate based on the user's credit. To do this, the financial server (120) (e.g., processor (530)) can check the current level of the game character and determine the preferential interest rate based on the checked level.

[0102] According to one embodiment, a financial server (120) (e.g., processor (530)) can determine the final interest rate by reflecting a preferential interest rate to the interest rate determined based on the customer's credit (S614). Typically, the loan interest rate is determined by adding the base interest rate and the additional interest rate. Subsequently, the financial server (120) can determine the final interest rate by reflecting a preferential interest rate to the interest rate determined based on the customer's credit.

[0103] According to one embodiment, a financial server (120) (e.g., processor (530)) can notify a customer of the final interest rate with the preferential interest rate reflected (S616). The financial server (120) (e.g., processor (530)) can determine the final interest rate by reflecting the preferential interest rate to the determined interest rate and transmit a message including the determined final interest rate, the loan amount, the interest date, etc. to a mobile terminal (110). For example, if a customer applies for savings, the final interest rate can be determined by adding the preferential interest rate. And, if a customer applies for a loan, the final interest rate can be determined by subtracting the preferential interest rate.

[0104] As described above, when the mobile terminal (110) of the present invention completes a financial mission through an application, it transmits mission completion information to a financial server (120) and receives points for the mission completion, thereby allowing the user to obtain financial benefits through an enjoyable game.

[0105] Additionally, the mobile terminal (110) applies points to a game character to request an upgrade of the game character from the financial server (120), and receives points for the upgrade from the financial server (120), thereby allowing the user to obtain financial benefits through an enjoyable game.

[0106] Additionally, when the financial server (120) receives a request for an upgrade of a game character from the mobile terminal (110), it upgrades the game character and deposits the cash corresponding to the upgraded game character into the user's bank account, thereby utilizing it for customer marketing.

[0107] Each step in each of the flowcharts described above may be operated independently of the illustrated order or may be performed simultaneously. Additionally, at least one component of the present invention and at least one operation performed by said at least one component may be implemented in hardware and / or software.

[0108] Although the present invention has been described above with reference to the illustrated drawings, the present invention is not limited by the embodiments and drawings disclosed in this specification, and it is obvious that various modifications can be made by a person skilled in the art within the scope of the technical concept of the present invention. Furthermore, even if the effects of the configuration of the present invention were not explicitly described while explaining the embodiments of the present invention above, it is natural to acknowledge that the effects predictable by said configuration should also be recognized. Explanation of the symbols

[0109] 100: System 110: Mobile terminal 120: Financial Server 510: Communications Department 520: Memory 530: Processor 531: Mission Confirmation 532: Compensation Decision Department 533: Payment Processing Department

Claims

Claim 1 A system for providing cash upon the upgrade of a game character, comprising: a mobile terminal that, when a financial-related mission is completed through an application, transmits mission completion information to a financial server, and when points corresponding to the mission completion are received from the financial server, applies the received points to a game character within the application and requests an upgrade of the game character to the financial server; and a financial server that, when a request for an upgrade of the game character is received from the mobile terminal, upgrades the game character and deposits cash corresponding to the upgraded game character into the user's bank account. Claim 2 A system according to claim 1 that, when an application for savings or a loan is received from the mobile terminal, checks the user's game level, determines a preferential interest rate based on the checked game level, and determines the final interest rate for savings or a loan by reflecting the determined preferential interest rate in the interest rate determined based on the user's credit. Claim 3 In claim 1, the performance of the mission includes visiting a page explaining each financial product provided by the bank, visiting a page explaining each financial service, and checking the loan limit, and the financial server is a system that differentially pays the points according to the type of financial product, the type of financial service, and the loan limit inquiry. Claim 4 In Article 2, the preferential interest rate is a system in which it increases as the game level increases and decreases as the game level decreases. Claim 5 In claim 1, the financial server is a system that differentially pays the cash to the bank account according to the level of the game character. Claim 6 A method performed in a system for providing cash upon the upgrade of a game character, comprising: a process in which a mobile terminal transmits mission completion information to a financial server when the execution of a financial-related mission through an application is completed; a process in which the financial server transmits points corresponding to the execution of the mission to the mobile terminal; a process in which the mobile terminal requests an upgrade of the game character to the financial server by applying the received points to the game character within the application; a process in which the financial server upgrades the game character when the request for the upgrade of the game character is received from the mobile terminal; and a process in which the financial server deposits cash corresponding to the upgraded game character into the user's bank account. Claim 7 A method according to claim 6, comprising: a process of verifying the user's game level when an application for savings or a loan is received from the mobile terminal; a process of determining a preferential interest rate based on the verified game level; and a process of determining a final interest rate for savings or a loan by reflecting the determined preferential interest rate in an interest rate determined based on the user's credit. Claim 8 In claim 6, the process of transmitting points resulting from the performance of the mission to the mobile terminal includes a method of differentially distributing the points according to the type of financial product, the type of financial service, and the inquiry of the loan limit. Claim 9 In claim 6, the process of depositing cash corresponding to the upgraded game character into the user's bank account includes a method of differentially distributing the cash to the bank account according to the level of the game character. Claim 10 In claim 7, the process of determining the preferential interest rate according to the confirmed game level includes the process of determining the preferential interest rate more significantly as the game level is higher and determining the preferential interest rate less significantly as the game level is lower.

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