Method for operating online financial product corresponding to sequential transaction of participation entry included in rosca type of online financial product, and financial service server performing same

Abstract

Disclosed are a method for operating an online financial product corresponding to a sequential transaction of a participation entry included in a RoSCA type of online financial product, and a financial service server performing same. The disclosed method is performed by the financial service server and comprises the steps of: receiving, from a user terminal, a search request message including search condition information regarding a desired financial product of a user; searching for a first matching financial product which is a first financial product matching the search condition information from among at least one first financial product which is completely opened and is in progress; setting detailed information of a first virtual participation entry on the basis of detailed information of a blank participation entry of the first matching financial product and the search condition information; and transmitting, to the user terminal, a search completion message including the detailed information of the first virtual participation entry.

Description

A method for operating the above online financial product corresponding to the sequential transaction of the participating entry included in the ROSCA type online financial product and a financial service server that performs the same.

[0001] Embodiments of the present invention relate to an operating method of an online financial product corresponding to a sequential transaction of a participating entry included in an online financial product of the RoSCA (Rotating Savings and Credit Association) type, and a financial service server that performs the same.

[0002] Peer-to-peer (P2P) lending, a credit lending service between multiple borrowers and lenders via online open markets, is experiencing rapid growth worldwide. In Korea, as the number of people with low credit ratings who cannot access loans from traditional financial institutions increases, P2P lending is providing access to loan services for those financially excluded from traditional financial institutions.

[0003] In particular, online financial products like the Rotating Savings and Credit Association (RoSCA) are similar to domestic credit associations. They are a joint savings system where each member (i.e., participant) agrees to regularly contribute a fixed amount (i.e., the contribution amount) and takes turns receiving a lump sum (a fixed amount or lump sum). This lump sum can be used for various purposes, such as starting a business, paying tuition, or purchasing a home.

[0004] Meanwhile, after multiple participants are recruited and a RoSCA-type online financial product is opened, a specific participant may terminate the product due to personal reasons, non-payment of fees, or other reasons. In this case, the remaining participants or the company operating the online financial product face financial risks. Therefore, a solution is needed to address the financial risks arising from the termination of an online financial product by a specific participant.

[0005] The purpose of the present invention is to provide a method for operating an online financial product that quickly resolves financial risks arising from the termination of an online financial product of the RoSCA type, and a financial service server that performs the method.

[0006] In addition, the purpose of the present invention is to provide a method for operating an online financial product that provides users with a high contract interest rate and a RoSCA type financial product service without waiting, and a financial service server that performs the same.

[0007] In addition, it is an object of the present invention to provide a method for operating an online financial product that guarantees additional profits to a financial service provider and a financial service server that performs the same.

[0008] The objectives of the present invention are not limited to those mentioned above, and other objectives and advantages of the present invention not mentioned above can be understood through the following description and will be more clearly understood through the embodiments of the present invention. Furthermore, it will be readily apparent that the objectives and advantages of the present invention can be realized by the means and combinations thereof set forth in the claims.

[0009] A method for operating an online financial product according to one embodiment of the present invention is performed on a financial service server, and is a method for operating an online financial product of the RoSCA (Rotating Savings and Credit Association) type, comprising: receiving a search request message including search condition information for a desired financial product from a user terminal; searching for a first matching financial product, which is a first financial product that matches the search condition information among at least one first financial product whose opening has been completed and is in progress; setting detailed information of a first virtual participation entry based on detailed information of a blank participation entry of the first matching financial product and the search condition information; and transmitting a search completion message including detailed information of the first virtual participation entry to the user terminal. At this time, the plurality of participation entries of the first financial product include blank participation entries in which a participant has cancelled or is scheduled to cancel the first financial product.

[0010] A financial service server operating an online financial product of the RoSCA type according to one embodiment of the present invention includes a communication unit that receives a search request message including search condition information for a desired financial product from a user terminal, and a processor unit that searches for a first matching financial product, which is a first financial product matching the search condition information among at least one first financial product whose opening has been completed and is in progress, and sets detailed information of a first virtual participation entry based on detailed information of a blank participation entry of the first matching financial product and the search condition information. At this time, the plurality of participation entries of the first financial product include blank participation entries in which a participant has cancelled or is scheduled to cancel the first financial product, and the communication unit transmits a search completion message including detailed information of the first virtual participation entry to the user terminal.

[0011] According to the present invention, financial risks arising from the termination of an online financial product of the RoSCA type can be quickly resolved.

[0012] In addition, according to the present invention, it is possible to provide users with a high contract interest rate and to provide RoSCA type financial product services to users without waiting.

[0013] In addition, according to the present invention, additional profits can be guaranteed to financial service providers.

[0014] In addition, the effects of the present invention are not limited to the above-described effects, and should be understood to include all effects that can be inferred from the composition of the invention described in the detailed description or claims of the present invention.

[0015] FIG. 1 is a diagram schematically illustrating the configuration of an operating system for an online financial service according to one embodiment of the present invention.

[0016] FIG. 2 is a diagram schematically illustrating the configuration of a financial service server according to one embodiment of the present invention.

[0017] FIG. 3 is a drawing for explaining the concept of an online financial product of the RoSCA type according to one embodiment of the present invention.

[0018] FIG. 4 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0019] FIGS. 5a, 5b, and 5c are diagrams illustrating an example of a first financial product including a blank participation entry according to one embodiment of the present invention.

[0020] FIG. 6 is a diagram for explaining the concept of a virtual financial product according to one embodiment of the present invention.

[0021] FIG. 7 is a diagram illustrating an example of a second financial product including a recruitment participation entry according to one embodiment of the present invention.

[0022] The present invention is susceptible to various modifications and embodiments. Specific embodiments are illustrated and described in detail in the drawings. However, this is not intended to limit the present invention to specific embodiments, but rather to encompass all modifications, equivalents, and alternatives falling within the spirit and technical scope of the present invention. Throughout the description of each drawing, similar reference numerals have been used to designate similar components.

[0023] While terms such as "first," "second," etc. may be used to describe various components, these components should not be limited by these terms. These terms are used solely to distinguish one component from another. The term "and / or" includes any combination of multiple related listed items or any one of multiple related listed items.

[0024] When a component is referred to as being "connected" or "connected" to another component, it should be understood that it may be directly connected or connected to that other component, but that there may be other components intervening. Conversely, when a component is referred to as being "directly connected" or "connected" to another component, it should be understood that there are no other components intervening.

[0025] The terminology used herein is merely used to describe specific embodiments and is not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly indicates otherwise. In this application, it should be understood that the terms "comprise" or "have" indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but do not preclude the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0026] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the relevant technology, and will not be interpreted in an idealized or overly formal sense unless explicitly defined herein.

[0027] Hereinafter, embodiments according to the present invention will be described in detail with reference to the attached drawings.

[0028]

[0029] FIG. 1 is a diagram schematically illustrating the configuration of an operating system (1) of an online financial service according to one embodiment of the present invention.

[0030] Referring to FIG. 1, an online financial service operating system (1) may include a user terminal (10) and a financial service server (20).

[0031] The user terminal (10) may be a processor-based device owned by the user. For example, the user terminal (10) may also be referred to by various names, such as a mobile terminal, a wireless device, a wireless transmit / receive unit, or a mobile subscriber unit. For example, the user terminal (10) may be a smartphone, a tablet PC, a laptop, or the like.

[0032] A terminal financial application for providing online financial services may be installed on the user terminal (10). The terminal financial application may be executed by the processor unit of the user terminal (10).

[0033] A financial service server (20) is connected to a user terminal (10) and a server-based financial application can be installed. The server-based financial application can provide various online financial products in conjunction with the terminal-based financial application.

[0034] Meanwhile, as described below, the online financial product may be a Rotating Savings and Credit Association (RoSCA) type online financial product. A RoSCA type online financial product may include multiple participation entries involving multiple users. Therefore, although not explicitly shown in Figure 1, there may be multiple user terminals (10). RoSCA type online financial products are described in more detail below.

[0035] FIG. 2 is a diagram illustrating a schematic configuration of a financial service server (20) according to one embodiment of the present invention.

[0036] Referring to FIG. 2, the financial service server (20) may include a communication unit (21), a memory unit (22), and a processor unit (23).

[0037] The communication unit (21) can perform communication with the user terminal (10). For example, the communication unit (21) may be a short-range communication module and / or a long-range communication module. The short-range communication module may be a communication module according to Bluetooth, RFID (radio frequency identification), IrDA (infrared data association), UWB (ultra-wideband), ZigBee, or WiFi (wireless fidelity). The long-range communication module may be a communication module according to CDMA (code division multiple access), FDMA (frequency division multiple access), TDMA (time division multiple access), OFDMA (orthogonal frequency division multiple access), or SCFDMA (single carrier frequency division multiple access).

[0038] The memory unit (22) may be a volatile and / or non-volatile memory and may store commands or data related to at least one other component of the financial service server (20). In particular, the memory unit (22) may store commands or data related to a computer program, application, recording medium, etc. executed in the financial service server (20). In particular, the computer program / application may be for servicing online financial products.

[0039] The processor unit (23) may include one or more of a central processing unit, an application processor, or a communication processor. The processor (13) may perform operations or data processing related to the control and / or communication of at least one other component of the management server (10). In particular, the processor unit (23) may execute instructions of a computer program / application.

[0040] Although not shown in FIG. 2, the financial services server may further include a display unit, a storage unit, etc.

[0041] Below, the RoSCA type online financial product provided by the financial service server (20) is described in detail.

[0042] FIG. 3 is a drawing for explaining the concept of an online financial product (30) of the RoSCA type according to one embodiment of the present invention.

[0043] Hereinafter, for convenience of explanation, online financial products of the RoSCA type are referred to as “RoSCA financial products (30).”

[0044] Referring to FIG. 3, a RoSCA financial product (30) may be configured to include a plurality of, i.e., N (an integer greater than or equal to 2) participation entries (31). Here, the RoSCA financial product (30) may be referred to as a "stage", and the N participation entries (31) may be referred to as "N stage participation spaces".

[0045] A RoSCA financial product (30) can be created by a specific user, i.e., a creation user, and N participation entries (31) can have N participation users including the creation user participate.

[0046] A sequential order may be assigned to N participating entries (31). According to the order of each of the N participating entries (31), at least one of the contract amount (i.e., lump sum, lump sum, or payment amount), contract interest rate, and payment amount (e.g., monthly payment amount) of each participating entry (31) may be set.

[0047] Specifically, a RoSCA financial product (30) having N participating entries (31) with sequential order numbers and in which a total of N payments of a deposit amount and one payment amount are made can be created. Each participating user must pay a total of N deposit amounts and can receive one payment of a deposit amount, and the time of receipt of the deposit amount can be determined according to the order number of the participating entry (31). For convenience of explanation, it is assumed that the number of participating entries (31) and the number of payment installments of the deposit amount are the same. However, the present invention is not limited thereto, and the number of participating entries (31) and the number of payment installments of the deposit amount may be different from each other.

[0048] The payment amount of each participating user (i.e., the payment amount of the 1st to nth installments) can be set differently depending on the order of the corresponding participation entry (31), and the payment amount of each participating user can be set the same regardless of the order of the participation entry (31). Alternatively, the payment amount of each participating user can be set the same regardless of the order of the participation entry (31), and the payment amount of each participating user can be set differently depending on the order of the corresponding participation entry (31). In addition, a participating user who participated in the nth (an integer greater than or equal to 1 and less than or equal to N) participation entry (31) among N participation entries (31) can receive the payment amount in the nth installment.

[0049] Each participating user can select the order of participation entry (31) according to the purpose of use of the RoSCA financial product (30).

[0050] Specifically, a user who needs money urgently can participate in a participation entry (31) with a fast turn number among N participation entries (31). In this case, the contracted interest rate of the participation entry (31) with a fast turn number may be a negative contracted interest rate, and the user can receive the payment amount quickly, but there is a disadvantage that the payment amount becomes smaller than the total payment amount. As another example, a user who wants to earn financial income (e.g., interest) can participate in a participation entry (31) with a slow turn number among N participation entries (31). In this case, the contracted interest rate of the participation entry (31) with a slow turn number may be a positive contracted interest rate, and the user has the advantage that the payment amount becomes larger than the total payment amount, but there is a disadvantage that the payment amount becomes delayed.

[0051] In other words, users who participated in participation entries (31) with relatively fast turn numbers can use RoSCA financial products (30) for loan purposes, and users who participated in participation entries (31) with relatively slow turn numbers can use RoSCA financial products (30) for investment purposes. For example, when the number of participation entries (31) is 5, users who participated in participation entries (31) with turns 1 and 2 can use RoSCA financial products (30) for loan purposes, and users who participated in participation entries (31) with turns 4 and 5 can use RoSCA financial products (30) for investment purposes.

[0052] Hereinafter, the operation of a financial service server (20) that operates an online financial product of the RoSCA type will be described based on the contents of FIG. 3.

[0053] FIG. 4 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0054] The RoSCA financial product operation method can be provided by linking a server-use financial application running on a financial service server (20) and a terminal-use financial application running on a user terminal (10).

[0055] Below, the process of the steps that constitute the RoSCA financial product operation method is described in detail based on the financial service server (20).

[0056] In step (S402), the financial service server (20) can receive a search request message including search condition information for a desired financial product of the target user from the user terminal (10).

[0057] Here, the desired financial product may be an online financial product of the RoSCA type that the target user wishes to receive services from. For convenience of explanation, the RoSCA financial product (30) will be referred to as "financial product (30)."

[0058] According to an embodiment, the search condition information may include a desired contract amount, a desired contract interest rate, and a desired receipt time.

[0059]

[0060] *

[0061] *The desired pledge amount can be the amount the target user wishes to receive (i.e., a lump sum). The desired pledge amount can be set to a specific amount or a range.

[0062] The desired contract interest rate can be the contract interest rate desired by the target user. If the target user uses the financial product for loan purposes, the contract interest rate may be a negative contract interest rate. If the target user uses the financial product for investment purposes, the contract interest rate may be a positive contract interest rate. The desired contract interest rate may be set for a specific reason or as a range.

[0063] The desired receipt time may be the time at which the target user wishes to receive the desired contract amount. Here, the desired receipt time may be set based on the current time corresponding to the time the target user enters search conditions through the user terminal (10) or the time the search request message is received. The desired receipt time may also be the serial number of the participating entry included in the desired financial product. For example, the desired receipt time may be set to "Serial Number 2" or "2 months from the current time."

[0064] Meanwhile, search criteria information may also include a desired payment amount. For example, this could be the target user's monthly payment per installment.

[0065] In step (S404), the financial service server (20) can extract search condition information from the received search request message.

[0066] In step (S406), the financial service server (20) can search for a first matching financial product (30a), which is a first financial product (30a) that matches the search condition information among at least one first financial product (30a, see FIGS. 5a, 5b, and 5c).

[0067] Here, the first financial product (30a) is a financial product for which multiple participating users have been recruited after the financial product's opening has been completed and the financial product service is in progress. Currently, among the multiple participating entries (31) that constitute the first financial product, a participant in a specific participating entry (31) has canceled or is scheduled to cancel the first financial product without receiving the agreed amount (i.e., the payment amount). The above-described specific participating entry may be referred to as a "blank participating entry."

[0068] For example, if a specific participant fails to pay the payment amount (monthly payment) for a certain period of time, the financial server (20) may forcibly withdraw the specific participant from the first financial product (30a), thereby forcibly canceling the specific participant's first financial product (30a). As another example, a specific participant may voluntarily cancel the first financial product (30a) due to personal reasons. Accordingly, the specific participant's participation entry may be changed to a blank participation entry. Meanwhile, as described above, a blank participation entry may be created (i.e., changed) not only when the cancellation of the participant's first financial product (30a) has been completed, but also when the cancellation of the participant's first financial product (30a) is scheduled to be completed.

[0069] Figures 5a, 5b, and 5c illustrate an example of a first financial product (30a) including a blank participation entry (31a).

[0070] Referring to FIG. 5a, in a first financial product (30a) comprising seven participation entries (31a), participating user D, who participated in participation entry 4 (31a-4), has cancelled or is planning to cancel the first financial product without receiving the agreed amount (i.e., payment amount). In this case, participation entry 4 (31a-4) is changed to a blank participation entry (31a).

[0071] Referring to FIG. 5b, in a first financial product (30a) comprising seven participation entries (31a), participant user B, who participated in participation entry 2 (31a-2), has cancelled or is planning to cancel the first financial product without receiving the agreed amount (i.e., payment amount). In this case, participation entry 2 (31a-2) is changed to a blank participation entry (31a).

[0072] Referring to FIG. 5c, in a first financial product (30a) comprising seven participation entries (31a), participating user C, who participated in participation entry 3 (31a-3), has cancelled or is planning to cancel the first financial product without receiving the agreed amount (i.e., payment amount). In this case, participation entry 3 (31a-3) is changed to a blank participation entry (31a).

[0073] According to an embodiment, a blank participation entry (31a) of a first financial product (30a) may have detailed information including a contract amount, a contract interest rate, and a sequence number. In addition, the financial service server (20) may search for a first financial product (30a) that, among at least one first financial product (30a), i) has a contract amount receipt time of a blank participation entry (31a) of the first financial product (30a) that matches a desired receipt time, ii) has a contract amount of a blank participation entry (31a) of the first financial product (30a) that corresponds to the desired contract amount, and iii) has a contract interest rate of a blank participation entry (31a) of the first financial product (30a) that is greater than the desired contract interest rate, as a first matching financial product (30a). At this time, the time of receipt of the contract amount of the blank participation entry (31a) of the first financial product (30a) can be calculated based on the reception time of the search request message (i.e., the current time) and the sequence number of the blank participation entry (31a) of the first financial product (30a).

[0074] As an example, the blank participation entry (31a) of the first financial product (30a) of FIG. 5a has a contract amount of "10 million won", a contract interest rate of "0%", and a sequence number of "sequence 4", the blank participation entry (31a) of the first financial product (30a) of FIG. 5b has a contract amount of "10 million won", a contract interest rate of "-5.26%", and a sequence number of "sequence 2", and the blank participation entry (31a) of the first financial product (30a) of FIG. 5c has a contract amount of "10 million won", a contract interest rate of "-4.12%", and a sequence number of "sequence 3". At this time, it is assumed that the desired contract amount is set to “10 million won”, the desired contract interest rate is set to “-3.5%”, and the desired receipt time is set to “order 2” or “receipt time: 2 months”. Meanwhile, the receipt time of the contract amount of the blank participation entry (31a) of the first financial product (30a) of FIG. 5a is 2 months from the current time, the receipt time of the contract amount of the blank participation entry (31a) of the first financial product (30a) of FIG. 5b is 1 month from the current time, and the receipt time of the contract amount of the blank participation entry (31a) of the first financial product (30a) of FIG. 5c is 2 months from the current time.

[0075] In the above-described situation, the financial service server (20) may select the first financial product (30a) of FIGS. 5A and 5C having a contract amount receipt time of a blank participation entry (31a) of the first financial product (30a) matching the desired receipt time, and then select the first financial product (30a) of FIG. 5A having a contract interest rate of the blank participation entry (31a) greater than the desired contract interest rate. The selected first financial product (30a) of FIG. 5A may be searched as the first matching financial product (30a).

[0076] Again, referring to FIG. 4, in step (S408), the financial service server (20) can set the details of the first virtual participation entry (31a', see FIG. 6) based on the details and search condition information of the blank participation entry (31a) of the first matching financial product (30a).

[0077] Specifically, a virtual financial product (30a', see FIG. 6) is defined to be created to allow target users to participate in the blank participation entry (31a) of the first matching financial product (30a). The virtual financial product (30a') is a financial product that is not actually serviced.

[0078] A virtual financial product (30a') may include multiple virtual participation entries (31a'), and a target participant may participate in a first virtual participation entry (31a') among the multiple virtual participation entries (31a').

[0079] According to an embodiment, since the first matching financial product (30a) is a financial product that is currently being serviced, i.e., in progress, the number of multiple virtual participation entries (31a') included in the virtual financial product (30a') may be set to be smaller than the number of multiple participation entries (31a) of the first matching financial product (30a).

[0080] FIG. 6 is a drawing for explaining the concept of a virtual financial product (30a') according to one embodiment of the present invention.

[0081] Referring to FIG. 6, when the first matching financial product (30a) includes seven participation entries (31a), a virtual financial product (30a') including five virtual participation entries (31a') can be created based on the current time (i.e., the reception time of the search request message), the blank participation entry (31a) of the first matching financial product (30a), and the desired receipt time.

[0082] At this time, based on the desired receipt time, the target user can participate in virtual participation entry 2 (31a'-2), which is the first virtual participation entry (31a') among five virtual participation entries (31a'), and virtual participation entry 2 (31a'-2) corresponds to participation entry 4 (31a-4), which is a blank participation entry (31a) of the first matching financial product (30a).

[0083] According to an embodiment, the details of the first virtual participation entry (31a') may include a contract amount, a contract interest rate, and a sequence number. In this case, the financial service server (20) may i) set the contract amount of the first virtual participation entry (31a') to be the same as the contract amount of the blank participation entry (31a) of the first matching financial product (30a), ii) set the contract interest rate of the first virtual participation entry (31a') to be lower than the contract interest rate of the blank participation entry (31a) of the first matching financial product (30a) and higher than the desired contract interest rate, and iii) set the sequence number of the first virtual participation entry (31a') based on the current time (i.e., the reception time of the search request message) and the desired receipt time.

[0084] As described above, in the example of FIG. 6, the contract amount, contract interest rate, and order of the blank participation entry (31a) of the first matching financial product (30a) are set to “10 million won”, “0%”, and “order 4”, respectively, and the desired contract amount, desired contract interest rate, and desired receipt time are set to “10 million won”, “-3.5%”, and “order 2”, respectively. In this case, the financial service server (20) may set the contract amount of the first virtual participation entry (31a') to “10 million won”, the contract interest rate of the first virtual participation entry (31a') to a contract interest rate that is less than -3.5% and greater than 0% (for example, “-1.0%”), and the order of the first virtual participation entry (31a') to “order 2”.

[0085] Meanwhile, since the number of participation entries (31a) of the first matching financial product (30a) is greater than the number of virtual participation entries (31a') of the virtual financial product (30a'), the financial service server (20) may set the payment amount (monthly payment) of the first virtual participation entry (31a') to be greater than the payment amount of the blank participation entry (31a) of the first matching financial product (30a). In the example of FIG. 6, the payment amount of the first virtual participation entry (31a') may be set to "KRW 2 million", which is greater than the payment amount of KRW 1.43 million of the blank participation entry (31a) of the first matching financial product (30a).

[0086] Again, referring to FIG. 4, in step (S410), the financial service server (20) can search for a second matching financial product (30b), which is a second financial product (30b) that matches the search condition information among at least one second financial product (30b, see FIG. 7).

[0087] Here, the second financial product (30b) may be a financial product whose opening has not yet been completed. In other words, the second financial product (30b) may be a financial product that is currently recruiting participating users.

[0088] According to an embodiment, the financial service server (20) may search for a second financial product (30b) that includes a recruitment participation entry (31b, see FIG. 7) matching the search condition information among at least one second financial product (30b), as a second matching financial product (30b). Here, the recruitment participation entry (31b) may be a participation entry (31b) that matches the search condition information while the participating user has not yet participated.

[0089] Figure 7 illustrates an example of a second financial product (30b) that includes a recruitment participation entry (31b).

[0090] Referring to FIG. 7, the second financial product (30b) includes seven participating entries (31b), and among the seven participating entries (31b), Participation Entry 2 (31b-2), Participation Entry 4 (31b-4), and Participation Entry 5 (31b-5) are currently being recruited. As described above, it is assumed that the desired contract amount, desired contract interest rate, and desired receipt time are set to "10 million won," "-3.5%," and "order 2," respectively. At this time, if the details of participation entry 2 (31b-2), such as the contract amount, contract interest rate, and order, are set to “10 million won,” “-3.42%,” and “order 2,” respectively, the financial service server (20) can search for the second financial product (30b) of FIG. 7, which uses participation entry 2 (31b-2) as the recruitment participation entry (31b), in at least one second financial product (30b).

[0091] Again, referring to FIG. 4, in step (S412), the financial service server (20) can transmit a search completion message including details of the first virtual participation entry (31a') and details of the recruitment participation entry (31b) to the user terminal (10).

[0092] For example, the financial service server (20) can transmit information of a virtual financial product (30a') including details of a first virtual participation entry (31a') and a second matching financial product (30b) including details of a recruitment participation entry (31b) to the user terminal (10).

[0093] In step (S414), the financial service server (20) can receive a response message of a search completion message from the user terminal (10).

[0094] Specifically, if the target user wishes to participate in the first virtual participation entry (31a'), the user terminal (10) may transmit a response message corresponding to the participation request message of the first virtual participation entry (31a') to the financial service server (20). Alternatively, if the target user wishes to participate in the recruitment participation entry (31b), the user terminal (10) may transmit a response message corresponding to the participation request message of the recruitment participation entry (31b) to the financial service server (20).

[0095] In step (S416), the financial service server (20) can allow the target user to participate in the blank participation entry (31a) of the first matching financial product (30a) or the recruitment participation entry (31b) of the second matching financial product (30b) based on the response message.

[0096] According to an embodiment, when a response message corresponding to a participation request message of a first virtual participation entry (31a') is received from a user terminal (10), the financial service server (20) can allow the target user to participate as a new participant (i.e., participating user) of the blank participation entry (31a) of the first matching financial product (30a) instead of an existing participant of the blank participation entry (31a) of the first matching financial product (30a).

[0097] Meanwhile, although not shown in FIG. 4, after step (S416), the financial service server (20) can transmit a first participation response message indicating that "the target user has completed participation in the first virtual participation entry (31a')" to the user terminal (10), and a second participation response message indicating that "the target user has completed participation in the blank participation entry (31a) of the first matching financial product (30a)" can be transmitted to the user terminals by the remaining participating users of the first matching financial product (30a) excluding the user who has cancelled the participation.

[0098] Referring to the above description, from the perspective of the target user, the target user is recognized as having participated in the first virtual participation entry (31a') of the virtual financial product (30a'). At this time, the details of the first virtual participation entry (31a') are actually applied to the target user. Furthermore, from the perspective of the remaining participating users of the first matching financial product (30a), excluding the user who has cancelled the participation, the target user may be recognized as having participated in the blank participation entry (31a) of the first matching financial product (30a). At this time, the remaining participating users recognize that the details of the blank participation entry (31a) of the first matching financial product (30a) are applied to the target user.

[0099] In another embodiment, if a response message corresponding to a participation request message of a recruitment participation entry (31b) is received from a user terminal (10), the financial service server (20) may allow the target user to participate as a participant (i.e., a participating user) in the recruitment participation entry (31b) of the second matching financial product (30b). In this case, the details of the recruitment participation entry (31b) are actually applied to the target user. In other words, the above-described content may be for recruiting a user for a general participation entry.

[0100] In summary, the target user can participate in the first virtual participation entry (31a') or the recruitment participation entry (31b) by checking the search completion message through the user terminal (10) and checking the details of each of the first virtual participation entry (31a') and the recruitment participation entry (31b).

[0101] As described above, the first virtual participation entry (31a') corresponds to the blank participation entry (31a) of the first matching financial product (30a). As described above, the first matching financial product (30a) is a currently being serviced financial product, i.e., an ongoing financial product. Furthermore, the contracted interest rate of the first virtual participation entry (31a') is set to be higher than the desired contracted interest rate and lower than the contracted interest rate of the blank participation entry (31a) of the first matching financial product (30a). Furthermore, the contracted interest rate of the recruiting participation entry (31b) is almost identical to the desired contracted interest rate.

[0102] Accordingly, when the target user participates by selecting the first virtual participation entry (31a'), the target user can be provided with a higher contract interest rate than the desired contract interest rate or the contract interest rate of the recruited participation entry (31b), and since the first matching financial product (30a) has been opened in advance, there is an advantage in that the service of the first matching financial product (30a) can be provided without waiting, that is, immediately. In addition, the financial service provider corresponding to the financial service server (20) can quickly resolve the financial risk arising from the participating user who has canceled the first matching financial product (30a), and there is an advantage in that additional profits can be obtained according to the contract interest rate of the first virtual participation entry (31a') which is set lower than the contract interest rate of the blank participation entry (31a) of the first matching financial product (30a).

[0103] Meanwhile, the configuration in which "the target user participates as a new participant in the blank participation entry (31a) of the first matching financial product (30a) by selecting the first virtual participation entry (31a')" may correspond to the configuration in which "the sequence number of the blank participation entry (31a) of the first matching financial product (30a) is sold (traded) to the canceled participant (existing participant)." In other words, the operating method of the online financial product described in this specification may include a method of trading the sequence number of a participation entry included in an online financial product of the RoSCA type.

[0104] In addition, embodiments of the present invention may be implemented in the form of program commands that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program commands, data files, data structures, etc., alone or in combination. The program commands recorded on the medium may be those specially designed and configured for the present invention, or may be those known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program commands, such as ROMs, RAMs, and flash memories. Examples of program commands include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform operations of embodiments of the present invention, and vice versa.

[0105] Although the present invention has been described with specific details such as specific components and limited embodiments and drawings, these are provided only to help the overall understanding of the present invention, and the present invention is not limited to the above embodiments, and those with ordinary skill in the art to which the present invention pertains can make various modifications and variations based on these descriptions. Therefore, the spirit of the present invention should not be limited to the described embodiments, and all things that are equivalent or equivalent to the claims as well as the claims described below are considered to fall within the scope of the spirit of the present invention.

Claims

1. It is performed on a financial service server and is a method of operating an online financial product of the RoSCA (Rotating Savings and Credit Association) type. A step of receiving a search request message including search condition information for a user's desired financial product from a user terminal; A step of searching for a first matching financial product that matches the search condition information among at least one first financial product that has been opened and is in progress - wherein the plurality of participation entries of the first financial product include blank participation entries in which the participant has cancelled or is scheduled to cancel the first financial product -; A step of setting details of a first virtual participation entry based on details of a blank participation entry of the first matching financial product and the search condition information; and A step of transmitting a search completion message including details of the first virtual participation entry to the user terminal; How to operate online financial products.

2. In paragraph 1, After the step of transmitting the above search completion message to the user terminal, If a participation request message of the first virtual participation entry in response to the search completion message is received from the user terminal, a step of allowing the user to participate as a new participant in the blank participation entry of the first matching financial product on behalf of the participant in the blank participation entry of the first matching financial product is further included; The details of the first virtual participation entry are applied to the user who participated in the blank participation entry of the first matching financial product. How to operate online financial products.

3. In paragraph 1, The above search condition information includes the desired contract amount, the desired contract interest rate, and the desired receipt time of the desired contract amount. The details of the blank participation entry of the first financial product include the contract amount, contract interest rate, and order of the blank participation entry of the first financial product. How to operate online financial products.

4. In paragraph 3, The step of searching for the above first matching financial product is: Search for the first matching financial product, which has a contract amount receipt time of a blank participation entry of the first financial product that matches the desired receipt time, a contract amount of a blank participation entry of the first financial product that corresponds to the desired contract amount, and a liquidity rate of a blank participation entry of the first financial product that is greater than the desired contract interest rate, from at least one first financial product. The time of receipt of the contract amount of the blank participation entry of the first financial product is calculated based on the reception time of the search request message and the sequence number of the blank participation entry of the first financial product. How to operate online financial products.

5. In paragraph 3, The details of the first virtual participation entry include the contract amount, contract interest rate, and order of the first virtual participation entry, The step of setting the details of the above first virtual participation entry is: Set the contract amount of the first virtual participation entry to be the same as the contract amount of the blank participation entry of the first matching financial product, Set the contract interest rate of the first virtual participation entry to be lower than the contract interest rate of the blank participation entry of the first matching financial product and higher than the desired contract interest rate, Setting the order of the first virtual participation entry based on the reception time of the search request message and the desired receipt time. How to operate online financial products.

6. In paragraph 1, The above first virtual participation entry is included in a virtual financial product having multiple virtual participation entries, The number of the plurality of virtual participation entries is set to be smaller than the number of the plurality of participation entries of the first matching financial product. How to operate online financial products.

7. In paragraph 1, After receiving the above search request message from the user terminal, A step of searching for a second matching financial product that matches the search condition information among at least one second financial product being opened; further comprising; The step of transmitting the search completion message to the user terminal further transmits the search completion message to the user terminal, which further includes detailed information of a recruitment participation entry corresponding to the search condition information among the plurality of participation entries of the second matching financial product. How to operate online financial products.

8. In paragraph 7, After the step of transmitting the above search completion message to the user terminal, A step of allowing the user to participate as a participant in the recruitment participation entry of the second matching financial product when a participation request message for the recruitment participation entry in response to the search completion message is received from the user terminal; further comprising; How to operate online financial products.

9. A computer-readable recording medium recording a program for executing the method of paragraph 1 on a computer.

10. In a financial service server that operates an online financial product of the RoSCA type, A communication unit that receives a search request message including search condition information for the user's desired financial product from the user terminal; and A processor unit for searching for a first matching financial product that matches the search condition information among at least one first financial product that has been opened and is in progress, and for setting the details of a first virtual participation entry based on the details of a blank participation entry of the first matching financial product and the search condition information; including; The plurality of participation entries of the above first financial product include blank participation entries in which the participant has cancelled or is scheduled to cancel the above first financial product, The above communication unit transmits a search completion message including details of the first virtual participation entry to the user terminal. Financial services server.

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