Method for operating online financial product, which quickly opens and services 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: transmitting, to a first user terminal, information of a target financial product including detailed information of a first participation entry; receiving, from the first user terminal, a first request message for requesting partial participation of the first participation entry; and on the basis of the reception of the first request message, allowing a first user corresponding to the first user terminal to participate as a first partial participant of the first participation entry. Here, the target financial product comprises a plurality of participation entries including the first participation entry.

Description

A method for operating the above online financial product, which quickly opens and services an online financial product of the ROSCA type, 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 that quickly opens and services 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] Specifically, RoSCA-type online financial products consist of multiple participating entries, and multiple participants must be recruited for each participating entry to open and service the product. Each participating entry has different details (e.g., contract amount, contract interest rate, order, and payment amount).

[0005] Meanwhile, among multiple participating entries, the details of a specific entry often do not align with the financial product usage purposes of some users (e.g., loans or investments). In such cases, recruiting participants for specific entries can be difficult, leading to delays or failure in the opening of RoSCA-type online financial products.

[0006] The purpose of the present invention is to provide a method for operating an online financial product capable of quickly opening and servicing an online financial product of the RoSCA type, and a financial service server for performing the same.

[0007] In addition, an object of the present invention is to provide a method for operating an online financial product capable of minimizing financial risks arising from the termination of an online financial product of the RoSCA type, and a financial service server for performing the same.

[0008] 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.

[0009] 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.

[0010] 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 the steps of: transmitting information of a target financial product including details of a first participation entry to a first user terminal; receiving a first request message requesting partial participation in the first participation entry from the first user terminal; and allowing a first user corresponding to the first user terminal to participate as a first partial participant in the first participation entry based on reception of the first request message. At this time, the target financial product is composed of a plurality of participation entries including the first participation entry.

[0011] 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 transmits information of a target financial product including details of a first participation entry to a first user terminal and receives a first request message requesting partial participation in the first participation entry from the first user terminal, and a processor unit that causes a first user corresponding to the first user terminal to participate as a first partial participant in the first participation entry based on reception of the first request message. At this time, the target financial product is composed of a plurality of participation entries including the first participation entry.

[0012] According to the present invention, an online financial product of the RoSCA type can be quickly opened and serviced.

[0013] In addition, according to the present invention, financial risks arising from the termination of an online financial product of the RoSCA type can be minimized.

[0014] In addition, according to the present invention, additional profits can be guaranteed to financial service providers.

[0015] 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.

[0016] 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.

[0017] FIG. 2 is a diagram schematically illustrating the configuration of a financial service server according to one embodiment of the present invention.

[0018] 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.

[0019] FIG. 4 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0020] Figures 5a, 5b, and 5c are drawings for explaining the concept of the method of Figure 4.

[0021] FIG. 6 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to a second embodiment of the present invention.

[0022] Figures 7a, 7b, and 7c are drawings for explaining the concept of the method of Figure 6.

[0023] 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.

[0024] 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.

[0025] 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.

[0026] 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.

[0027] 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.

[0028] Hereinafter, embodiments according to the present invention will be described in detail with reference to the attached drawings.

[0029]

[0030] 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.

[0031] Referring to FIG. 1, an online financial service operating system (1) may include a user terminal (10) and a financial service server (20).

[0032] 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.

[0033] 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).

[0034] 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 be linked with the terminal-based financial application to provide various online financial products.

[0035] 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.

[0036] FIG. 2 is a diagram illustrating a schematic configuration of a financial service server (20) according to one embodiment of the present invention.

[0037] Referring to FIG. 2, the financial service server (20) may include a communication unit (21), a memory unit (22), and a processor unit (23).

[0038] 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).

[0039] 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.

[0040] 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.

[0041] Although not shown in FIG. 2, the financial services server may further include a display unit, a storage unit, etc.

[0042] Below, the RoSCA type online financial product provided by the financial service server (20) is described in detail.

[0043] 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.

[0044] Hereinafter, for convenience of explanation, online financial products of the RoSCA type are referred to as “RoSCA financial products (30).”

[0045] 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".

[0046] 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.

[0047] 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.

[0048] 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.

[0049] 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.

[0050] Each participating user can select the order of participation entry (31) according to the purpose of use of the RoSCA financial product (30).

[0051] 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.

[0052] 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.

[0053] 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.

[0054] FIG. 4 is a drawing showing an overall flowchart of a RoSCA financial product operation method according to a first embodiment of the present invention, and FIGS. 5a, 5b, and 5c are drawings for explaining the concept of the method of FIG. 4.

[0055] The RoSCA financial product operation method can be provided by linking a server-based financial application running on a financial service server (20) with a terminal-based financial application running on a user terminal (10). Furthermore, it is assumed that the target financial product (30a) of the RoSCA type has been created in advance and has not yet been opened. Here, "opening" may correspond to a state in which the target financial product (30a) is being serviced after multiple participants have been recruited for each of multiple participation entries.

[0056] Hereinafter, the process of the steps of Fig. 4 constituting the RoSCA financial product operation method is described in detail based on the financial service server (20).

[0057] In step (S41), the financial service server (20) can transmit information of a target financial product (30a) including details of a first participation entry (31a') to a first user terminal (10).

[0058] Here, the first participation entry (31a') may be a participation entry (31a) from among the multiple participation entries (31a) constituting the target financial product (30a) in which no participants have been recruited, and the first user corresponding to the first user terminal (10) may be a user for receiving the service of the target financial product (30a).

[0059] Referring to Figure 5a, the target financial product (30a) may include seven participating entries (31a), of which Participation Entry 3 (31a-3) is currently recruiting participants. Accordingly, Participation Entry 3 (31a-3) may be the first Participation Entry (31a').

[0060] Meanwhile, the financial service server (20) can provide a UI (User Interface) including information on multiple financial products for which participants are being recruited to the first user terminal (10), and the first user can receive information on the target financial product (30a) from the financial service server (20) by selecting the target financial product (30a) from among the multiple financial products.

[0061] According to an embodiment, the details of the first participating entry (31a') may include the contract amount, contract interest rate, order, and payment amount of the first participating entry (31a'). The contract amount, contract interest rate, order, and payment amount have been previously described.

[0062] In step (S42), the financial service server (20) can receive a first request message requesting partial participation of the first participation entry (31a') from the first user terminal (10).

[0063] That is, multiple participants may partially participate in a single participation entry (31a), and each of the multiple participants may be referred to as a "partial participant." The first request message may be a message in which the first user requests participation as a partial participant in the first participation entry (31a').

[0064] In some embodiments, the first request message may include information about the first user's desired payment amount. For example, the desired payment amount app may indicate the target user's monthly payment amount per installment.

[0065] In step (S43), the financial service server (20) can create first and second partial participation entries (31a'-1, 31a'-2) in the first participation entry (31a') based on receipt of the first request message.

[0066] Referring to FIG. 5b, a first-participant can participate in the first-participant entry (31a'-1), and a second-participant can participate in the second-participant entry (31a'-2). The first and second-participants can be participants in the first-participant entry (31a').

[0067] In step (S44), the financial service server (20) can set the details of the first and second partial participation entries (31a'-1, 31a'-2) based on the details of the first participation entry (31a') and the desired payment amount.

[0068] In this case, similar to the details of the first participation entry (31a'), the details of the first and second partial participation entries (31a'-1, 31a'-2) may include the contract amount, contract interest rate, order, and payment amount.

[0069] According to an embodiment, the financial service server (20) can set the details of the first partial participation entry (31a'-1) based on the details and the desired payment amount of the first participation entry (31a'). Specifically, the financial service server (20) can i) set the contract interest rate and the order of the first participation entry (31a') to the contract interest rate and the order of the first partial participation entry (31a'-1), ii) set the desired payment amount to the payment amount of the first partial participation entry (31a'-1), and iii) set the contract amount of the first partial participation entry (31a'-1) based on the contract amount and the payment amount of the first participation entry (31a') and the desired payment amount.

[0070] As an example, the first participation entry (31a') of the target financial product (30a) of FIG. 5a may have a contract amount of "7 million won", a contract interest rate of "-2.78%", a sequence number of "sequence 3", and a payment amount of "1.05 million won". At this time, assuming that the desired payment amount is “600,000 won”, the financial service server (20) can i) set the agreed interest rate and the order of the first partial participation entry (31a'-1) to “-2.78%” and “order 3”, which are the same as the agreed interest rate and the order of the first participation entry (31a'), ii) set the payment amount of the first partial participation entry (31a'-1) to “600,000 won”, which is the same as the desired payment amount, and iii) set the agreed amount of the first partial participation entry (31a'-1) to “4 million won”, which is “a value obtained by dividing the multiplication value between the desired payment amount and the agreed amount of the first participation entry (31a') by the payment amount of the first participation entry (31a')”.

[0071] In addition, according to an embodiment, the financial service server (20) can set the details of the second partial participation entry (31a'-2) based on the details of the first participation entry (31a') and the details of the first partial participation entry (31a'-1). Specifically, the financial service server (20) can i) set the contract interest rate and the order of the first participation entry (31a') to the contract interest rate and the order of the second partial participation entry (31a'-2), and ii) set the contract amount and the payment amount of the second partial participation entry (31a'-2) based on the contract amount and the payment amount of the first participation entry (31a') and the contract amount and the payment amount of the first partial participation entry (31a'-1).

[0072] As an example, in the example of FIG. 5a described above, the financial service server (20) may set i) the contract interest rate and the order of the second partial participation entry (31a'-2) to "-2.78%" and "order 3", which are the same as the contract interest rate and the order of the first participation entry (31a'), ii) the payment amount of the second partial participation entry (31a'-2) to "KRW 450,000", which is "a value obtained by subtracting the payment amount of the first participation entry (31a') from the payment amount of the first partial participation entry (31a'-1)," and iii) the contract amount of the second partial participation entry (31a'-2) to "KRW 3,000,000", which is "a value obtained by subtracting the contract amount of the first participation entry (31a') from the contract amount of the first partial participation entry (31a'-1).

[0073] At step (S45), the financial service server (20) may allow the first user to participate as a first partial participant in the first partial participation entry (31a'-1). Meanwhile, although not illustrated in FIG. 4, the financial service server (20) may transmit information indicating that "the first user has participated in the first partial participation entry (30a'-1)" to the first user terminal (10). Accordingly, the first user's partial participation in the first participation entry (31a') is completed.

[0074] In step (S46), the financial service server (20) can transmit updated information of the target financial product (30a) including updated details of the first participation entry (31a') to the second user terminal (10).

[0075] Here, the updated details of the first participation entry (31a') may include details of the first and second partial participation entries (31a'-1, 31a'-2).

[0076] In step (S47), the financial service server (20) can receive a second request message requesting partial participation of the first participation entry (31a') from the second user terminal (10).

[0077] That is, the second user can check the details of the first and second partial participation entries (31a'-1, 31a'-2) through the second user terminal (20), and accordingly transmit a second request message through the second user terminal (20). The second request message may include information indicating that the second user wishes to participate in the second partial participation entry (31a'-2).

[0078] At step (S48), the financial service server (20) may allow the second user to participate as a second partial participant in the second partial participation entry (31a'-2). Meanwhile, although not illustrated in FIG. 4 , the financial service server (20) may transmit information indicating that "the second user has participated in the second partial participation entry (30a'-1)" to the second user terminal (10). Accordingly, the second user's partial participation in the second participation entry (31a') is completed.

[0079] Figure 5c illustrates a target financial product (30a) in which the first and second users, as participating users C1 and C2, have partially participated in participation entry 3 (31a-3). By participating users C1 and C2 partially participating in participation entry 3 (31a-3), the target financial product (30a) is opened and can be serviced.

[0080] Meanwhile, although FIG. 4 describes that two partial participation entries (31a'-1, 31a'-2) are created within the first participation entry (31a'), the present invention is not limited thereto. According to another embodiment, three or more partial participation entries may be created within the first participation entry (31a'), and thus multiple users may partially participate in the first participation entry (31a') as partial participants. For example, when a third user partially participates in the first participation entry (31a') together with the first and second users, the contract interest rate and the order among the detailed information of the third partial participation entry may be set to be the same as the contract interest rate and the order of the first participation entry (31a'), and the contract amount and the payment amount among the detailed information of the third partial participation entry may be set based on the contract amount and the payment amount of the first participation entry and the contract amounts and the payment amounts of the first and second partial participation entries.

[0081] In summary, some users may be unable to participate in the target financial product (30a) due to the burden of the deposit amount for a specific participation entry (31a'), which may result in a situation where the target financial product (30a) cannot be opened. However, according to the financial product operation method according to FIG. 4 described above, multiple users can partially participate in a specific participation entry (31a'), and the deposit amount for a specific participation entry (31a') can be shared and paid by multiple users. Accordingly, participants for a specific participation entry (31a') can be recruited quickly and efficiently, ultimately enabling the rapid opening and service of a RoSCA-type online financial product. Furthermore, even if one of the multiple users fails to pay the deposit amount, the remaining users will pay the deposit amount, thereby minimizing the financial risk arising from the termination of a RoSCA-type online financial product.

[0082] FIG. 6 is a drawing showing an overall flowchart of a RoSCA financial product operation method according to a second embodiment of the present invention, and FIGS. 7a, 7b, and 7c are drawings for explaining the concept of the method of FIG. 6.

[0083] The RoSCA financial product operation method can be provided by linking a server-based financial application running on a financial service server (20) with a terminal-based financial application running on a user terminal (10). Furthermore, it is assumed that the target financial product (30b) of the RoSCA type has been created in advance and has not yet been opened.

[0084] Hereinafter, the process of the steps of Fig. 6 constituting the RoSCA financial product operation method is described in detail based on the financial service server (20).

[0085] In step (S61), the financial service server (20) can transmit information on a target financial product (30b) including detailed information on each of the first participation entry (31b') in which the second user participated as a participant and the second participation entry (31b'') that the participant is recruiting to the first user terminal (10).

[0086] That is, the multiple participation entries (31b) constituting the target financial product (30b) may include a first participation entry (31b') in which a second user participates as a participant and a second participation entry (31b'') in which the participant is recruiting. In this case, the order of the second participation entry (31b'') may be later than that of the first participation entry (31b').

[0087] Referring to FIG. 7a, the target financial product (30b) may include seven participation entries (31b), among which Participation Entry 2 (31b-2) is currently being used by Participation User B, and Participation Entry 4 (31b-4) is currently recruiting participants. At this time, the sequence number of Participation Entry 4 (31b-4) is later than that of Participation Entry 2 (31b-2). Therefore, Participation Entry 2 (31b-2) is the first Participation Entry (31b'), and Participation Entry 4 (31b-4) is the second Participation Entry (31b'').

[0088] Meanwhile, the financial service server (20) can provide a UI including information on multiple financial products for which participants are being recruited to the first user terminal (10), and the first user can receive information on the target financial product (30b) from the financial service server (20) by selecting the target financial product (30b) from among the multiple financial products.

[0089] In step (S62), the financial service server (20) can receive a first request message requesting partial participation of the first participation entry (31b') from the first user terminal (10).

[0090] According to an embodiment, the first request message may include information that the first user wishes to participate in the first participation entry (31b') on behalf of the second participation entry (31b'').

[0091] That is, referring to FIG. 7a, the first participation entry (31b') of the target financial product (30b) (i.e., participation entry 2 (31b-2)) may have a contract amount of "7 million won", a contract interest rate of "-4.24%", a sequence number of "sequence 2", and a payment amount of "1.08 million won", and the second participation entry (31b'') of the target financial product (30b) (i.e., participation entry 4 (31b-4)) may have a contract amount of "7 million won", a contract interest rate of "0%", a sequence number of "sequence 4", and a payment amount of "1 million won". At this time, the first user may wish to participate in the first participation entry (31b') because he or she would normally participate in the second participation entry (31b'') that is currently recruiting participants, but would like to receive the agreed-upon amount faster than the second participation entry (31b''). Accordingly, the first user may transmit a first request message requesting partial participation in the first participation entry (31b') to the financial service server (20) via the first user terminal (10).

[0092] In step (S63), the financial service server (20) can create first and second partial participation entries (31b'-1, 31b'-2) in the first participation entry (31b') based on receipt of the first request message.

[0093] Referring to FIG. 7b, a first-participant can participate in the first-participant entry (31b'-1), and a second-participant can participate in the second-participant entry (31b'-2). The first and second-participants can be participants in the first-participant entry (31b').

[0094] In step (S64), the financial service server (20) can change the second user into a second part participant participating in the second part participation entry (31b'-2).

[0095] That is, the financial service server (20) can change the second user participating in the first participation entry (31b') to the second part participant of the second part participation entry (31b'-2). At this time, the detailed information (i.e., the contract amount, contract interest rate, order, and payment amount) of the second part participation entry (31b'-2) can be set to be identical to the detailed information of the first participation entry (31b'). This is as illustrated in FIG. 7b.

[0096] In step (S65), the financial service server (20) can set the details of the first partial participation entry (31b'-1) based on the details of the first participation entry (31b').

[0097] According to an embodiment, when the contract amounts of multiple participation entries (31b) of the target financial product (30b) are all the same, the financial service server (20) can i) set the contract amount and order of the first participation entry (31b') to the contract amount and order of the first partial participation entry (31b'-1), ii) set the contract interest rate of the first partial participation entry (31b'-1) to be lower than the contract interest rate of the first participation entry (31b'), and iii) set the payment amount of the first partial participation entry (31b'-1) based on the contract amount and contract interest rate of the first partial participation entry (31b'-1).

[0098] Alternatively, according to another embodiment, when the payment amounts of multiple participation entries (31b) of the target financial product (30b) are all the same, the financial service server (20) may i) set the payment amount and order of the first participation entry (31b') to the payment amount and order of the first partial participation entry (31b'-1), ii) set the agreement interest rate of the first partial participation entry (31b'-1) to be lower than the agreement interest rate of the first participation entry (31b'), and iii) set the agreement amount of the first partial participation entry (31b'-1) based on the payment amount and agreement interest rate of the first partial participation entry (31b'-1).

[0099] In particular, if there is a participation entry immediately preceding the first participation entry (31b'), the financial service server (20) can set the contract interest rate of the first partial participation entry (31b'-1) to be greater than the contract interest rate of the immediately preceding participation entry and less than the contract interest rate of the first participation entry (31b').

[0100] For example, in the example of FIG. 7a described above, there may be a participation entry 1 (31b-1) that is the immediate previous participation entry of the first participation entry (31b') (i.e., participation entry 2 (31b-2)), and the contract interest rate of participation entry 1 (31b-1) may be set to "-5.86%". As described above, the first participation entry (31b') may have a contract amount of "7 million won", a contract interest rate of "-4.24%", a sequence number of "sequence 2", and a payment amount of "1.08 million won".

[0101] At this time, assuming that the payment amounts of multiple participation entries (31b) of the target financial product (30b) are all the same, the financial service server (20) can i) set the contract amount and the order of the first partial participation entry (31b'-1) to the same contract amount of "7 million won" and the order of "order 2" as the contract amount and the order of the first participation entry (31a'), ii) set the contract interest rate of the first partial participation entry (31b'-1) to a contract interest rate (for example, -5.0%) between the contract interest rate of the previous participation entry (-5.86%) and the contract interest rate of the first participation entry (31b'), and iii) set the payment amount of the first partial participation entry (31b'-1) based on the contract amount and the contract interest rate of the first partial participation entry (31b'-1). It can be set to "1.1 million won".

[0102] In step (S66), the financial service server (20) can allow the first user to participate as a first part participant participating in the first part participation entry (31b'-1).

[0103] That is, based on steps (S64) and (S66), the participants of the first participation entry (30b') may be composed of first and second partial participants, wherein the first partial participant may be the first user who transmitted the first request message, and the second partial participant may be the second user who previously participated in the first participation entry (30b').

[0104] In step (S67), the financial service server (20) can exclude the second participation entry (31b'') from the multiple participation entries (31b) of the target financial product (30b).

[0105] Figure 7c illustrates an example of a target financial product (30b) opened with the second participating entry (31b'') excluded.

[0106] Referring to Fig. 7c, seven participating users, namely participating users A, B, C, D, E, F, and G, can participate in seven participating entries (31b) of the target financial product (30b). At this time, participating users A, C, E, F, and G can receive the contract amount in the 1st, 3rd, 5th, 6th, and 7th installments, respectively, while participating users B and D can receive the contract amount in the 2nd installment. There is no participating user who receives the contract amount in the 4th installment.

[0107] In summary, the financial product operation method according to FIG. 6 can allow a first user to additionally participate in a first participation entry (31b') in which a second user has previously participated. Accordingly, participants for a specific participation entry (31b') can be recruited quickly and efficiently, ultimately enabling the rapid opening and service of a RoSCA-type online financial product. Furthermore, by charging a lower interest rate to the first user who additionally participates in the first participation entry (31b') than to the first participation entry (31b'), the financial service provider can generate additional revenue.

[0108] 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.

[0109] 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 transmitting information of a target financial product including details of a first participation entry to a first user terminal, wherein the target financial product is composed of a plurality of participation entries including the first participation entry; A step of receiving a first request message requesting partial participation in the first participation entry from the first user terminal; and A step of allowing a first user corresponding to the first user terminal to participate as a first partial participant of the first participation entry based on receipt of the first request message; How to operate online financial products.

2. In paragraph 1, After receiving the first request message, A step of creating first and second partial participation entries in the first participation entry; and Further comprising a step of setting details of the first and second partial participation entries based on details of the first participation entry; The step of participating as the first partial participant includes participating the first user as the first partial participant participating in the first partial participation entry, The above details include the contract amount, contract interest rate, order and payment amount. How to operate online financial products.

3. In paragraph 2, The above first participation entry is a participation entry among the above multiple participation entries in which no participants have been recruited, The above first request message includes information on the desired payment amount of the first user, The steps to set the above details are: The contract interest rate and order of the above first participation entry are set to the contract interest rate and order of the above first partial participation entry, Set the above desired payment amount as the payment amount of the first part participation entry, Setting the commitment amount of the first partial participation entry based on the commitment amount and payment amount of the first participation entry and the desired payment amount. How to operate online financial products.

4. In paragraph 3, The steps to set the above details are: The contract interest rate and order of the above first participation entry are set to the contract interest rate and order of the above second partial participation entry, Setting the contract amount and payment amount of the second partial participation entry based on the contract amount and payment amount of the first participation entry and the contract amount and payment amount of the first partial participation entry. How to operate online financial products.

5. In paragraph 4, After the step of involving the above first part participant, A step of transmitting updated information of the target financial product including updated details of the first participation entry to a second user terminal; A step of receiving a second request message requesting partial participation in the first participation entry from the second user terminal; and A step of allowing a second user corresponding to the second user terminal to participate as a second partial participant of the second partial participation entry of the first participation entry; further comprising: The updated details of the first participation entry include details of the first and second partial participation entries. How to operate online financial products.

6. In paragraph 2, The above plurality of participation entries include the first participation entry in which the second user participated as a participant, and the second participation entry in which no participant was recruited and which has a later order than the order of the first participation entry, The information of the above target financial product further includes details of the second participating entry, The first request message includes information that the first user wishes to participate in the first participation entry on behalf of the second participation entry. How to operate online financial products.

7. In paragraph 6, The steps to set the above details are: Set the contract interest rate of the first partial participation entry to be lower than the contract interest rate of the first participation entry, If the contract amounts of the above multiple participating entries are the same, the contract amount and order of the first participating entry are set to the contract amount and order of the first partial participating entry, and the payment amount of the first partial participating entry is set based on the contract amount and contract interest rate of the first partial participating entry. In the case where the payment amounts of the above multiple participation entries are the same, the payment amount and order of the first participation entry are set to the payment amount and order of the first partial participation entry, and the agreement amount of the first partial participation entry is set based on the payment amount and agreement interest rate of the first partial participation entry. How to operate online financial products.

8. In paragraph 7, The steps to set the above details are: If there is a participation entry immediately preceding the first participation entry, the contract interest rate of the first partial participation entry is set to be greater than the contract interest rate of the immediately preceding participation entry. How to operate online financial products.

9. In paragraph 6, The steps to set the above details are: The contract amount, contract interest rate, order and payment amount of the above first participation entry are set to the contract amount, contract interest rate, order and payment amount of the above second partial participation entry. The second user participates in the second partial participation entry, and the target financial product is opened without recruiting participants in the second participation entry. How to operate online financial products.

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

11. In a financial service server that operates an online financial product of the RoSCA type, A communication unit that transmits information of a target financial product including details of a first participation entry to a first user terminal and receives a first request message requesting partial participation of the first participation entry from the first user terminal, wherein the target financial product is composed of a plurality of participation entries including the first participation entry; and A processor unit including, based on reception of the first request message, a first user corresponding to the first user terminal to participate as a first partial participant of the first participation entry; Financial services server.

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