Method for operating rosca-type online financial product by using group account as participant, and financial service server for performing same

Abstract

A method for operating a rotating savings and credit association (RoSCA)-type online financial product by using a group account as a participant, and a financial service server for performing same are disclosed. The disclosed method performed by a financial service server comprises the steps of: receiving a first participation request message of a financial product including information of a group account and identification information of a first participation entry from among a plurality of participation entries of the financial product; determining, on the basis of the information of the group account and the identification information of the first participation entry, whether the group account satisfies a preset participation condition of the first participation entry; and allowing the group account to participate as a participant of the first participation entry if the participation condition of the first participation entry is satisfied.

Description

A method for operating an online financial product of the ROSCA type with a meeting account as a participant and a financial service server that performs the same.

[0001] Embodiments of the present invention relate to a method for operating an online financial product of the RoSCA (Rotating Savings and Credit Association) type with a meeting account as a participant, and a financial service server for performing 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, a group account refers to an account where multiple members registered (or joined) with a group pay membership dues, and the paid membership dues are used to operate the group. A group account is also called a group account. Group accounts are opened at specific banks and generate income (i.e., interest) at a specific agreed-upon interest rate.

[0005] However, the contracted interest rates for group accounts are generally low, and consequently, the profits generated from these accounts are also low. Therefore, a method to guarantee a high contracted interest rate for group accounts is needed.

[0006] The purpose of the present invention is to provide a method for operating an online financial product of the RoSCA (Rotating Savings and Credit Association) type, which can guarantee a high contractual interest rate to a group account by allowing the group account to participate as a participant in the online financial product of the RoSCA type, and a financial service server that performs the same.

[0007] In addition, the purpose of the present invention is to provide a method for operating an online financial product of the RoSCA type, which can simply evaluate the personal credit information of a user who wishes to participate in an online financial product of the RoSCA type, thereby minimizing the risk that occurs when the user participates as a participant, 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 in the form of a Rotating Savings and Credit Association (RoSCA), comprising: a step of receiving a first participation request message for the financial product including information on a group account and identification information on a first participation entry among a plurality of participation entries of the financial product; a step of determining whether the group account satisfies a participation condition of the first participation entry that is preset based on the information on the group account and the identification information on the first participation entry; and a step of allowing the group account to participate as a participant of the first participation entry if the participation condition of the first participation entry is satisfied.

[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 first participation request message of a financial product including information of a meeting account and identification information of a first participation entry among a plurality of participation entries of the financial product, and a processor unit that determines whether the meeting account satisfies a participation condition of the first participation entry set in advance based on the information of the meeting account and the identification information of the first participation entry, and, if the participation condition of the first participation entry is satisfied, causes the meeting account to participate as a participant of the first participation entry.

[0011] According to the present invention, a high contract interest rate can be guaranteed to a group account by allowing the group account to participate as a participant in an online financial product of the RoSCA type.

[0012] In addition, according to the present invention, the personal credit information of a user wishing to participate in an online financial product of the RoSCA type can be simply evaluated, thereby minimizing the risk that occurs when the user participates as a participant.

[0013] In addition, it should be understood that the effects of the present invention are not limited to the above-described effects, but include all effects that can be inferred from the composition of the invention described in the detailed description or claims of the present invention.

[0014] 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.

[0015] FIG. 2 is a diagram schematically illustrating the configuration of a financial service server according to one embodiment of the present invention.

[0016] 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.

[0017] FIG. 4 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0018] Figure 5 is a drawing to explain an example of a meeting account.

[0019] FIG. 6 is a diagram illustrating a concept in which a group account participates as a participant in a financial product according to one embodiment of the present invention.

[0020] FIG. 7 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to another embodiment of the present invention.

[0021] FIG. 8 and FIG. 9 are diagrams illustrating a concept in which a specific member of a group account participates as a participant in a financial product according to one embodiment of the present invention.

[0022] FIG. 10 is a diagram illustrating a concept in which two or more members of a group account form a sub-group and participate as participants in a financial product according to one embodiment of the present invention.

[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 bank server (10) and a financial service server (20).

[0032] The bank server (10) may be a processor-based device owned by a bank. A group account (or group passbook) in which multiple members are registered may be opened at the bank, and the bank server (10) may transmit information related to the group account to a financial service server (20) and / or multiple member terminals (2). Information related to the group account will be described later.

[0033] Meanwhile, multiple member terminals (2) can correspond to each of the multiple members registered in the group account. Members can pay their membership dues (i.e., the group's contribution amount) to the group account through the member terminals (2). By having multiple members pay their dues, a specific amount can be deposited into the group account.

[0034] The financial service server (20) may be a server owned by a company providing financial services. The financial service server (20) may be connected to a bank server (10) 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 (31) involving multiple participants. 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 communicate with the bank server (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 service server (20) may further include a display unit, a storage unit, etc.

[0042] Meanwhile, a group account can be opened on a financial services server (20) rather than a bank server (10). In other words, a company providing financial services can further provide group account services. In this case, the operations of the bank server (10), described below, can be performed on the financial services server (20). For convenience of explanation, it is assumed that the bank server (10) and the financial services server (20) are interconnected to provide financial services.

[0043] Below, the RoSCA type online financial product provided by the financial service server (20) is described in detail.

[0044] 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.

[0045] Hereinafter, for convenience of explanation, online financial products of the RoSCA type are referred to as “RoSCA financial products (30).”

[0046] 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".

[0047] A RoSCA financial product (30) can be created by a specific user, i.e., a creation user, and N participation entries (31) can include N participating users, including the creation user. Participating users may also be referred to as participants.

[0048] 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.

[0049] 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.

[0050] 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.

[0051] Each participating user can select the order of participation entry (31) according to the purpose of use of the RoSCA financial product (30).

[0052] 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.

[0053] 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.

[0054] 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.

[0055] FIG. 4 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0056] The RoSCA financial product operation method can be provided by linking a financial application for a financial service server running on a financial service server (20) and a financial application for a bank server running on a bank server (10) with each other.

[0057] Hereinafter, the steps of the RoSCA financial product operation method will be described in detail, based on the financial service server (20). For convenience of explanation, the RoSCA financial product (30) will be referred to as a "financial product (30)" and it will be assumed that the financial product has been created in advance.

[0058] In step (S41), the financial service server (20) can receive a first participation request message including information on a meeting account and identification information on a first participation entry (31) of a financial product (30) from the bank server (10).

[0059] Specifically, the first participation request message may be a message requesting that the group account participate in the first participation entry (31) among multiple participation entries (31) included in the financial product (30). To allow the group account to participate, the first participation request message may include participation request information, and the participation request information may include information about the aforementioned group account and identification information of the first participation entry (31).

[0060] According to an embodiment, the information of the meeting account may include the identification information of the meeting member registered in the meeting account and the deposit amount of the meeting account, and the identification information of the first participation entry (31) may correspond to the serial number of the first participation entry (31).

[0061] Figure 5 is a drawing to explain an example of a meeting account.

[0062] Referring to Figure 5, six members (members A, B, C, D, E, and F) can be registered (or subscribed) to the meeting account, and each member can pay the membership fee (i.e., the meeting fee) on a monthly basis.

[0063] Specifically, let's assume that the current time is "February 2024", the group account is opened in "January 2023", group members A, B, and C are registered in the group account in "January 2023", group members D and E are registered in the group account in "August 2023", group member F is registered in the group account in "September 2023", and each group member pays a membership fee of "10,000 won". In this case, the deposit amount in the group account at the current time is "590,000 won", group members A, B, and C each deposit 130,000 won in the group account (total payment amount: 130,000 won), group members D and E deposit 70,000 won in the group account (total payment amount: 70,000 won), and group member F deposits 60,000 won in the group account (total payment amount: 60,000 won). Referring to the above description, the information of the meeting account may include the identification information of each of the meeting members A, B, C, D, E, and F, and the deposit amount of “590,000 won” in the meeting account.

[0064] Meanwhile, the deposit amount of each of the multiple members may be referred to as "member's contribution or contribution to the meeting account."

[0065] Referring again to FIG. 4, in step (S42), the financial service server (20) can determine whether the meeting account satisfies the participation conditions of the preset first participation entry (31) based on the information of the meeting account and the identification information of the first participation entry (31).

[0066] According to an embodiment, the participation conditions of the first participation entry (31) may include a payment amount participation condition and a recruitment participation condition.

[0067] The prepayment participation condition may be a first participation condition related to the deposit amount in the meeting account and the total prepayment amount of the first participation entry (31). Furthermore, the recruitment participation condition may be a second participation condition regarding whether the participant of the first participation entry (31) is currently being recruited.

[0068] In step (S43), the financial service server (20) can allow the meeting account to participate as a participant of the first participation entry (31) if the participation condition of the first participation entry (31) is satisfied.

[0069] Hereinafter, the process of step (S42) and step (S43) will be described with reference to FIG. 6.

[0070] FIG. 6 is a diagram illustrating a concept in which a meeting account participates as a participant in a financial product (30) according to one embodiment of the present invention.

[0071] Referring to FIG. 6, the financial product (30) includes five participating entries (31), the monthly payment amount for each of the five participating entries (31) is "20,000 won," and the contract interest rate for each of the five participating entries (31) is assumed to increase as the number increases. Accordingly, the total payment amount for each of the five participating entries (31) is "100,000 won" (20,000 won x 5 times).

[0072] Furthermore, the meeting account corresponds to the content of the aforementioned Figure 5, and it is assumed that the meeting account wishes to participate as "Participation Entry 5" to secure a high contracted interest rate. Accordingly, the deposit amount of the meeting account and the identification information of the first participation entry (31), which are the participation request information included in the first participation request message, are "590,000 won" and "Participation Entry 5," respectively.

[0073] According to an embodiment, the financial service server (20) may determine that the payment amount participation condition (first participation condition) is satisfied when the deposit amount in the meeting account is greater than or equal to the total payment amount of the first participation entry (31). In the example of FIG. 6, since "KRW 590,000" (the deposit amount in the meeting account) is greater than "KRW 100,000" (the total payment amount of participation entry 5), the financial service server (20) may determine that the payment amount participation condition is satisfied.

[0074] Additionally, according to an embodiment, if no participants have yet been recruited for the first participation entry (31), the financial service server (20) may determine that the recruitment participation condition (second participation condition) has been satisfied. In the example of FIG. 6, since participation entry 5 (31-5) is in the "recruiting" state, the financial service server (20) may determine that the recruitment participation condition has been satisfied.

[0075] Finally, since both the payment amount participation condition and the recruitment participation condition are satisfied, the financial service server (20) can allow the meeting account to participate as a participant in the participation entry 5 (31-5) of the financial product (30) (i.e., the first participation entry (31)).

[0076] Again, referring to FIG. 4, in step (S44), the financial service server (20) may generate a first withdrawal restriction request message to restrict withdrawal of the first deposit amount corresponding to the total deposit amount of the first participation entry (31) among the deposit amounts of the meeting account, and transmit the message to the bank server (10). At this time, the bank server (10) may restrict withdrawal of the first deposit amount based on the first withdrawal restriction request message.

[0077] In the example of FIG. 6, when participation in the meeting account of the participating entry 5 (31-5) is completed, the financial service server (20) can transmit a first withdrawal restriction request message for the total deposit amount of "100,000 won" (i.e., the first deposit amount) of the participating entry 5 (31-5) to the bank server (10), and the bank server (10) can restrict (i.e., lock) the withdrawal of "100,000 won" out of the meeting account deposit amount of "590,000 won." Accordingly, "490,000 won" out of the deposit amount of "590,000 won" can be withdrawn from the meeting account, but "100,000 won" cannot be withdrawn from the meeting account.

[0078] In short, through steps (S42) and (S43), the group account can participate in the first participation entry (31) of the financial product (30). In particular, by the group account participating in the first participation entry (31) having a higher negative interest rate than the contracted interest rate of the group account, multiple group members can obtain additional profits. In addition, since the first deposit amount among the deposit amounts of the group account is held in the form of a deposit through step (S44), when the group account requests participation in the financial product (30), the financial service server (20) does not need to investigate the personal credit information of each of the multiple group members, and the financial risk of the first participation entry (31) that may occur while the financial product (30) is in progress can be minimized.

[0079] FIG. 7 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to another embodiment of the present invention.

[0080] At this time, the steps of FIG. 7 may be performed after step (S43) or step (S44) of FIG. 4. That is, the steps of FIG. 7 may be performed after the recruitment account has completed participation in the first participation entry (31).

[0081] In step (S71), the financial service server (20) can receive a second participation request message including information of the first meeting member and identification information of the second participation entry (31) of the financial product (30) from the bank server (10).

[0082] Specifically, the first meeting member may be any one of the multiple meeting members registered in the meeting account. The first meeting member may transmit a message requesting participation in the second participation entry (31) to the bank server (10) via his / her meeting member terminal (2), and the bank server (10) may receive the above-described message and transmit a second participation request message to the financial service server (20).

[0083] The second participation request message may be a message requesting the first participant to participate in the second participation entry (31) among the multiple participation entries (31) included in the financial product (30). To this end, the second participation request message may include participation request information, which may include information about the first participant and identification information of the second participation entry (31).

[0084] In an embodiment, the information of the first participant may include the first participant's identification information and the first participant's deposit amount in the participant account. The identification information of the second participant entry may correspond to the second participant entry's sequence number.

[0085] In the example of FIG. 5 described above, if the first member is member A, the information about the first member may include member A's identification information and the deposit amount in the group account of "130,000 won." Alternatively, if the first member is member F, the information about the first member may include member F's identification information and the deposit amount in the group account of "60,000 won."

[0086] In step (S72), the financial service server (20) can determine whether the first member satisfies the participation conditions of the second participation entry (31) set in advance based on the information of the first member and the identification information of the second participation entry (31).

[0087] According to an embodiment, the participation conditions of the second participation entry (31) may include a payment amount participation condition and a recruitment participation condition.

[0088] The participation condition for the deposit amount may be a third participation condition related to the deposit amount in the group account, the deposit amount of the first group member, the total payment amount of the first participation entry (31), and the total payment amount of the second participation entry (31). Furthermore, the recruitment participation condition may be a fourth participation condition regarding whether a participant for the second participation entry (31) is currently being recruited.

[0089] In step (S73), the financial service server (20) can allow the first meeting member to participate as a participant in the second participation entry (31) if the participation condition of the second participation entry (31) is satisfied.

[0090] Hereinafter, the process of step (S72) and step (S73) will be described with reference to FIGS. 8 and 9.

[0091] FIG. 8 and FIG. 9 are diagrams illustrating a concept in which a specific member of a meeting account participates as a participant in a financial product (30) according to one embodiment of the present invention.

[0092] At this time, the financial product (30) of FIGS. 8 and 9 corresponds to the financial product (30) of FIG. 6. In addition, the meeting account corresponds to the contents of FIG. 5 described above.

[0093] Referring to FIG. 8, the first member is member A, and member A wishes to participate as "participation entry 1." Therefore, the deposit amount of the first member and the identification information of the second participation entry (31) included in the second participation request message are "130,000 won" and "participation entry 1," respectively. In addition, referring to FIG. 9, the first member is member F, and member F wishes to participate as "participation entry 3." Therefore, the deposit amount of the first member and the identification information of the second participation entry (31) included in the second participation request message are "60,000 won" and "participation entry 3," respectively.

[0094] According to an embodiment, the financial service server (20) may determine that the deposit amount participation condition (third participation condition) is satisfied when the deposit amount of the meeting account is greater than or equal to the sum of the total payment amount of the first participation entry (31) and the total payment amount of the second participation entry (31) and the deposit amount of the first meeting member is greater than or equal to the total payment amount of the second participation entry (31). In addition, according to an embodiment, if a participant has not yet been recruited for the second participation entry (31), the financial service server (20) may determine that the recruitment participation condition (fourth participation condition) is satisfied.

[0095] In the example of FIG. 8, since "KRW 590,000" (the deposit amount in the meeting account) is greater than "KRW 200,000" (the sum of the total payment amount (KRW 100,000) of participation entry 5 (31-5) and the total payment amount (KRW 100,000) of participation entry 1 (31-1)), and "KRW 130,000" (the deposit amount of meeting member A) is greater than "KRW 100,000" (the total payment amount of participation entry 1 (31-1)), the financial service server (20) can determine that the payment amount participation condition is satisfied. In addition, since participation entry 1 (31-1) is in the "recruiting" state, the financial service server (20) can determine that the recruitment participation condition is satisfied. Consequently, since both the payment amount participation condition and the recruitment participation condition are satisfied, the financial service server (20) can allow meeting member A to participate as a participant in participation entry 1 (31-1) (i.e., the second participation entry (31)).

[0096] In the example of FIG. 9, since the status of participation entry 3 (31-3) is "recruiting," the financial service server (20) can determine that the recruitment participation condition is satisfied. However, although "KRW 590,000" (the deposit amount in the meeting account) is greater than "KRW 200,000" (the sum of the total payment amount (KRW 100,000) of participation entry 5 (31-5) and the total payment amount (KRW 100,000) of participation entry 3 (31-3)), "KRW 60,000" (the deposit amount of meeting member F) is less than "KRW 100,000" (the total payment amount of participation entry 3 (31-3)). Therefore, the financial service server (20) can determine that the payment amount participation condition is not satisfied. Since the conditions for participation in the payment amount are not satisfied, the financial service server (20) does not allow the participation of member F in participation entry 3 (31-3) of the financial product (30) (i.e., the second participation entry (31)).

[0097] Again, referring to FIG. 7, when the participation of the second participation entry (31) of the first meeting member is completed, in step (S74), the financial service server (20) may generate a second withdrawal restriction request message to restrict the withdrawal of the second deposit amount corresponding to the total deposit amount of the second participation entry (31) among the deposit amounts of the meeting account, and transmit the message to the bank server (10). At this time, the bank server (10) may restrict the withdrawal of the second deposit amount based on the second withdrawal restriction request message.

[0098] In the example of FIG. 8, when the participation of group member A in participation entry 1 (31-1) is completed, the financial service server (20) can transmit a second withdrawal restriction request message for the total deposit amount of "100,000 won" (i.e., the second deposit amount) of participation entry 1 (31-1) to the bank server (10). In this case, the bank server (10) can further restrict the withdrawal of the deposit amount of "100,000 won" out of the group account deposit amount of "590,000 won." Accordingly, out of the deposit amount of "590,000 won", "390,000 won" can be withdrawn from the group account, but "200,000 won" (the sum of the total deposit amount (first deposit amount) of participation entry 5 (31-5) and the total deposit amount (second deposit amount) of participation entry 1 (31-1)) cannot be withdrawn from the group account.

[0099] In short, through steps (S72) and (S73), the first member registered in the meeting account can participate in the second participation entry (31). At this time, through step (S74), the second deposit amount among the deposit amount in the meeting account is held in the form of a security deposit, and the withdrawal of the second deposit amount together with the first deposit amount described above is restricted, so that the financial risk of the first and second participation entries (31) that may occur while the financial product (30) is in progress can be minimized. In addition, when the first member requests participation in the financial product (30), the financial service server (20) does not need to investigate the personal credit information of the first member.

[0100] Meanwhile, referring to FIG. 9, as described above, since the deposit amount of member F in the group account is less than the total payment amount of participation entry 3 (31-3) of financial product (30), member F cannot participate in participation entry 3 (31-3) alone. However, member F can form a sub-group with at least one other member among multiple members, and through the sub-group, member F can participate in participation entry 3 (31-3). This is similar to the steps of FIG. 7.

[0101] FIG. 10 is a diagram illustrating a concept in which two or more members of a group account form a sub-group and participate as participants in a financial product (30) according to one embodiment of the present invention.

[0102] At this time, the financial product (30) of Fig. 10 corresponds to the financial product (30) of Fig. 9. In addition, the meeting account corresponds to the contents of Fig. 5 described above.

[0103] Referring to Figure 9, when members E and F form a sub-group, the deposit amount of the sub-group is the sum of the deposit amounts of members E and F, which is “130,000 won.”

[0104] At this time, since "590,000 won" (the deposit amount in the meeting account) is greater than "200,000 won" (the sum of the total payment amount (100,000 won) of participation entry 5 (31-5) and the total payment amount (100,000 won) of participation entry 3 (31-3)), and "130,000 won" (the deposit amount of the sub-meeting) is greater than "100,000 won" (the total payment amount of participation entry 3 (31-3)), the financial service server (20) can determine that the payment amount participation condition is satisfied. Accordingly, if participation entry 3 (31-3) is in the "recruiting" state, the financial service server (20) can allow the sub-meeting to participate in participation entry 3 (31-3).

[0105] In other words, members E and F cannot participate in participation entry 3 (31-3) alone because their respective deposit amounts are less than the total payment amount of participation entry 3 (31-3). However, members E and F can jointly participate in participation entry 3 (31-3) by forming a sub-group. In this case, the payment amount for participation entry 3 (31-3) is divided and paid by members E and F.

[0106] Additionally, the above-described content can be applied similarly to the steps of FIG. 7. That is, if the "first meeting member" in the steps of FIG. 7 is replaced with "sub-meeting," the steps of FIG. 7 can be applied to the sub-meeting.

[0107] Meanwhile, when a group account and two or more group members participate in a financial product (30), the contents described in FIGS. 4 to 10 may be applied. For example, it is assumed that the group account applies for participation in participation entry 5 (31-5), group member A applies for participation in participation entry 5 (31-5), group member B applies for participation in participation entry 2 (31-2), and group member C applies for participation in participation entry 4 (31-4). At this time, it is assumed that the group account, group member A, group member B, and group member C sequentially perform participation applications.

[0108] In this case, the participation of the meeting account and the participation of meeting member A are applied as described in FIGS. 4 to 8.

[0109] In addition, in the application for participation by group member B, the condition for participation in terms of deposit amount corresponds to the condition that the deposit amount in the group account is greater than or equal to the sum of the total deposit amounts of each of participation entry 5 (31-5), participation entry 1 (31-1), and participation entry 2 (31-2), and that the deposit amount of group member B is greater than or equal to the total deposit amount of participation entry 2 (31-2).

[0110] And, in the application for participation by group member C, the condition for participation in the deposit amount corresponds to the condition that the deposit amount in the group account is greater than or equal to the sum of the total deposit amounts of each of participation entry 5 (31-5), participation entry 1 (31-1), participation entry 2 (31-2), and participation entry 4 (31-4), and that the deposit amount of group member C is greater than or equal to the total deposit amount of participation entry 4 (31-4).

[0111] Meanwhile, after the meeting account and at least one meeting member participate in two or more of the multiple participation entries (31) of the financial product (30), there may be remaining participation entries (31) that are in the recruiting state. In this case, general users who are not meeting members can apply for participation in the remaining participation entries (31), and when participants are recruited for all of the multiple participation entries (31), the service of the financial product (30) is carried out.

[0112] 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.

[0113] 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 using the RoSCA (Rotating Savings and Credit Association) method. A step of receiving a first participation request message of the financial product including information of a group account and identification information of a first participation entry among multiple participation entries of the financial product; A step of determining whether the meeting account satisfies the participation conditions of the first participation entry set in advance based on the information of the meeting account and the identification information of the first participation entry; and Including a step of allowing the meeting account to participate as a participant of the first participation entry when the participation condition of the first participation entry is satisfied; How to operate online financial products.

2. In paragraph 1, The information of the above meeting account includes the deposit amount of the above meeting account, The participation conditions of the first participation entry include a first participation condition related to the deposit amount of the meeting account and the total payment amount of the first participation entry, and a second participation condition related to the recruitment of participants for the first participation entry. How to operate online financial products.

3. In paragraph 2, The step of determining whether the above first participation entry satisfies the participation conditions is as follows: If the deposit amount of the above meeting account is greater than or equal to the total payment amount of the above first participation entry, the above first participation condition is deemed to be satisfied. If no participant has yet been recruited for the above first participation entry, the above second participation condition is deemed to be satisfied. How to operate online financial products.

4. In paragraph 2, After the step of participating as a participant in the above first participation entry, A step of generating a first withdrawal restriction request message to restrict withdrawal of a first deposit amount corresponding to the total deposit amount of the first participation entry among the deposit amounts of the above meeting account; further comprising, Based on the first withdrawal restriction request message, withdrawal of the first deposit amount from the deposit amount of the meeting account is restricted. How to operate online financial products.

5. In paragraph 1, After the step of participating as a participant in the above first participation entry, A step of receiving a second participation request message for the financial product including information of a first member among a plurality of members registered in the above meeting account and identification information of a second participation entry among the plurality of participation entries; A step of determining whether the first member satisfies the participation conditions of the second participation entry set in advance based on the information of the first member and the identification information of the second participation entry; and If the participation condition of the second participation entry is satisfied, a step of allowing the first meeting member to participate as a participant of the second participation entry is further included. How to operate online financial products.

6. In paragraph 5, The information of the above meeting account includes the deposit amount of the above meeting account, and the information of the first meeting member includes the deposit amount of the first meeting member among the deposit amounts of the above meeting account, The participation conditions of the second participation entry include a third participation condition related to the deposit amount of the meeting account, the deposit amount of the first meeting member, the total payment amount of the first participation entry, and the total payment amount of the second participation entry, and a fourth participation condition related to the recruitment of participants for the second participation entry. How to operate online financial products.

7. In paragraph 6, The step of determining whether the above second participation entry satisfies the participation conditions is as follows: If the deposit amount of the above meeting account is greater than or equal to the sum of the total payment amount of the above first participation entry and the total payment amount of the above second participation entry, and the deposit amount of the above first meeting member is greater than or equal to the total payment amount of the above second participation entry, the above third participation condition is determined to be satisfied. If no participants have been recruited for the above second participation entry, it is deemed that the above fourth participation condition has been satisfied. How to operate online financial products.

8. In paragraph 6, After the step of participating as a participant in the above second participation entry, A step of generating a second withdrawal restriction request message to restrict withdrawal of a second deposit amount corresponding to the total deposit amount of the second participation entry among the deposit amounts of the above meeting account; further comprising, Based on the second withdrawal restriction request message, withdrawal of the second deposit amount from the deposit amount of the meeting account is restricted. How to operate online financial products.

9. In paragraph 1, After the step of participating as a participant in the above first participation entry, A step of receiving a second participation request message for the financial product including information of a sub-group including two or more second group members among the plurality of group members registered in the group account and identification information of a second participation entry among the plurality of participation entries; A step of determining whether the sub-group satisfies the participation conditions of the second participation entry set in advance based on the information of the members of the sub-group and the identification information of the second participation entry; and If the participation condition of the second participation entry is satisfied, a step of allowing the sub-group to participate as a participant of the second participation entry is further included. How to operate online financial products.

10. In paragraph 9, The information of the above meeting account includes the deposit amount of the above meeting account, and the information of the above sub-meeting includes the sum of the deposit amounts of each of the two or more second meeting members among the deposit amounts of the above meeting account, The step of determining whether the above second participation entry satisfies the participation conditions is as follows: If the deposit amount of the above meeting account is greater than or equal to the sum of the total payment amount of the above first participation entry and the total payment amount of the above second participation entry, and the sum of the deposit amounts of each of the above two or more second meeting members is greater than or equal to the total payment amount of the above second participation entry, and no participants have been recruited for the above second participation entry, it is determined that the participation conditions of the above second participation entry are satisfied. How to operate online financial products.

11. A computer-readable recording medium recording a program for executing the method of any one of clauses 1 to 10 on a computer.

12. In a financial service server that operates an online financial product of the RoSCA type, A communication unit that receives a first participation request message of the financial product including information on a meeting account and identification information of a first participation entry among multiple participation entries of the financial product; and A processor unit that determines whether the meeting account satisfies the preset participation conditions of the first participation entry based on the information of the meeting account and the identification information of the first participation entry, and, if the participation conditions of the first participation entry are satisfied, causes the meeting account to participate as a participant of the first participation entry; Financial services server.

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