KR101409868B1 - Method for providing savings plan with variable interest rate based on customer participation, and bank server for providing the savings plan - Google Patents

Abstract

The present invention relates to a bank server providing a bank savings product for inducing customer participation and a customer terminal using a bank savings product.
According to the present invention, a plurality of prediction scenarios for predicting a future economic situation are set for a customer based on a request for opening a savings account received from a customer, and prediction information about prediction scenarios selected by a customer from among a plurality of prediction scenarios To determine an additional interest rate on the savings account based on the comparison of the actual economic situation of the future with the customer's forecast information and to determine the additional interest rate on the savings account after the expiration of the saving period of the savings product A bank server is provided that provides interest to the customer along with the principal interest and the interest rate to which the additional interest is applied.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of providing a bank savings product applying a variable interest rate based on customer participation and a bank server providing the bank savings product, plan}

The present invention relates to a bank server providing a bank savings product for inducing customer participation and a customer terminal using a bank savings product.

Among customers searching for financial products, customers who prefer safe assets are expanding on the basis of experience of the previous financial crisis and uncertainty about the future economic situation, while customers who are interested in financial markets and actively select financial products are also increasing .

Due to the development of communication technology and media, non-financial experts can easily access information on economic knowledge. Therefore, customers who are interested in financial market analyze economic situation based on objective economic information, . Therefore, these customers need objective and realistic financial information, and try to do their economic activities based on their analyzed economic outlook.

Social Network Service (SNS) is a community-based service that shares information through a single-person, one-person community. It was created for participants to introduce friends to each other and broaden their network. SNS participants can quickly and effectively share information and interests with their friends by utilizing the space that they can express personal information and interest. In addition, participants in the SNS tend to display opinions more subjective and candid in the existing network, in an atmosphere where more individual opinions can be expressed.

According to these characteristics of SNS, SNS is used for the purpose of sharing information among groups sharing humanities, societies, and cultures beyond the original purpose of expanding personal relationship, and the scope of application is expanded to a wide range of societies have. In particular, SNS is being used as a means of gathering consumer opinions to understand what a company wants.

The present invention is to provide a savings product to a customer who provides an opportunity for a customer to participate in a banking service, and to provide a customer with an additional benefit of the savings product using the customer's participation information.

The bank server for providing the savings product according to the embodiment of the present invention is a bank server for providing a savings account based on an account for setting a plurality of prediction scenarios for predicting a future economic situation after a predetermined prediction period based on a request for opening a savings account received from a customer Opening section; A customer prediction information collection unit for managing prediction information on a prediction scenario selected by the customer from the plurality of prediction scenarios; A variable interest rate determination unit for determining an additional interest rate for the savings account of the customer based on a result of comparing the actual situation of the economic situation after the predetermined prediction period with the prediction information of the customer; And a savings account management unit for providing the customer with the principal and the interest applied with the additional interest rate to the principal deposited in the savings account of the savings product after expiration of the savings period of the savings product, together with the principal.

The bank server for providing the savings product according to another embodiment of the present invention is a bank server for providing a savings product in accordance with the present invention, An account opening section for setting prediction scenarios; Wherein, among the plurality of prediction scenarios, using the Internet customer participation space provided by the customers of the savings product for registering a plurality of prediction scenarios for predicting the economic situation during the collection period of the savings product, A customer prediction information collection unit for collecting prediction information including a registered customer post in relation to a prediction scenario selected by the customer; A variable interest rate determination unit for determining an additional interest rate for the savings account of the customer based on a response of other customers to the post of the customer registered in the Internet customer participation space after the offer period of the savings product; And a savings account management unit for providing the customer with the principal and the interest applied with the additional interest rate to the principal deposited in the savings account of the savings product after expiration of the savings period of the savings product, together with the principal.

A method of providing a savings product of a bank server according to an embodiment of the present invention includes receiving a request for opening a savings account for the savings product from a customer; Providing a plurality of prediction scenarios to the customer, the prediction scenarios being predictive of future economic conditions after a predetermined prediction period set in conjunction with the savings product; Collecting prediction information related to a prediction scenario selected by the customer among the scenarios; Determining an additional interest rate for the savings account of the customer based on a comparison between the actual situation of the economic situation after the predetermined prediction period and the prediction information of the customer; And providing the principal together with the principal with the base rate and the interest applying the additional interest on the principal deposited in the savings account of the customer after expiration of the savings period of the savings product.

A method of providing a savings product of a bank server according to another embodiment of the present invention includes receiving a request for opening a savings account for the savings product from a customer; Providing a plurality of prediction scenarios to the customer, the prediction scenarios being predictive of future economic conditions after a predetermined prediction period set in conjunction with the savings product; Wherein, among the plurality of prediction scenarios, using the Internet customer participation space provided by the customers of the savings product for registering a plurality of prediction scenarios for predicting the economic situation during the collection period of the savings product, Collecting the prediction information of the customer including the registered customer's post with respect to the prediction scenario selected by the customer; Determining an additional interest rate for the savings account of the customer based on the satisfaction of other customers with respect to the post of the customer registered in the Internet customer participation space after the offer period of the savings product; And providing the principal together with the principal with the base rate and the interest applying the additional interest on the principal deposited in the savings account of the customer after expiration of the savings period of the savings product.

When a customer joins a bank savings product, he or she selects the forecast scenario directly based on the forecast scenarios of the future economic conditions set by the bank, and adds it to the customer in accordance with the actual economic situation of the future and the prediction scenario selected by the customer. Since interest rates are granted, active participation of customers who desire additional benefits and subscription applications can be induced.

In addition, banks can provide Internet customer engagement space to allow customers who subscribe to savings products to post opinions on forecasting scenarios, and provide additional benefits to customers based on their posts or comments, To join the savings product. In addition, various posts and comments of customers registered in the Internet customer participation space can be utilized as substantial financial information in the recruitment process of the customer participation type savings product which is recruited in the future.

1 illustrates a block diagram of a bank server providing a savings product applying a variable interest rate based on customer participation in accordance with one embodiment.
FIG. 2 illustrates a block diagram of a customer terminal for providing a bank savings product that applies a variable interest rate based on customer participation in accordance with one embodiment.
3 illustrates a flow diagram of a method for a bank server to provide a savings product applying a variable interest rate based on a comparison of an actual economic situation and a customer's prediction scenario, according to one embodiment.
4 shows a flow diagram of a method in which a bank server, according to another embodiment, provides a savings product applying variable interest rates based on customer participation through sharing predictive opinions of customers on future economic conditions.
Figures 5 and 6 illustrate embodiments of an Internet customer engagement space for customers to share predictive feedback on future economic conditions, according to another embodiment.

1 to 6, a bank server for providing a savings product applying a variable interest rate based on customer participation according to an embodiment of the present invention, and a customer terminal for use in providing a bank savings product, do.

1 illustrates a block diagram of a bank server 100 that provides a savings product that applies a variable interest rate based on customer participation in accordance with one embodiment.

The bank server 100 according to an embodiment includes an account opening unit 110, a customer prediction information collection unit 120, a variable interest rate determination unit 130, and a savings account management unit 140. The account opening unit 110, the customer prediction information collection unit 120, the variable interest rate determination unit 130 and the savings account management unit 140 are controlled by the central processing processor of the bank server 100, While being operated by the control of the processor, they can perform the linking operation with each other organically.

The account opening unit 110 according to an embodiment receives a request for opening a savings account from a customer. The account opening unit 110 opens a savings account for a bank savings product that applies a variable interest rate based on customer participation, based on a customer request, according to one embodiment. Customer participation in a bank savings product according to one embodiment may include selecting a prediction scenario for future economic prospects and registering posts or comments in an Internet customer engagement space.

The bank savings product may include not only a deposit for depositing a customer's initial fund during a predetermined savings period but also a savings in which the bank's server 100 deposits the customer's funds in a plurality of orders during a predetermined savings period.

The bank server 100 may store the customer information and the account information for the customer who opened the savings account in the customer database. The account opening unit 110, the customer prediction information collection unit 120, the variable interest rate determination unit 130, and the savings account management unit 140 may access the customer database and process the operation using the customer information and the account information.

The account opening unit 110 sets a plurality of prediction scenarios for the customer to predict the future economic situation after the predetermined prediction period for the savings product. The account opening unit 110 may open a savings account according to an embodiment on the precondition that the customer is to select one prediction scenario among a plurality of prediction scenarios.

The account opening unit 110 stores a plurality of prediction scenarios constructed according to at least one item of the direction of change of the economic index and the amount of change of the economic index for a predetermined economic situation specified by the predetermined forecast period and the type of the predetermined economic index, . A plurality of prediction scenarios for a future predetermined economic index after a predetermined forecast period set by the bank can be stored as account information in the customer database.

The customer prediction information collection unit 120 collects and manages prediction information related to a prediction scenario selected by a customer from a plurality of prediction scenarios according to an exemplary embodiment.

The prediction information according to an embodiment includes selection information directly selecting one prediction scenario among a plurality of prediction scenarios of a customer, and can directly receive selection information from a customer. The selection information according to an exemplary embodiment may collect selection information from online when the customer registers the selection information in the online space. The customer forecast information collection unit 120 can collect, from a customer, a prediction scenario indicating at least one of a predetermined variation direction of the economic index and a predetermined variation amount.

The collected prediction information can be stored as customer information in a customer database.

The variable interest rate determination unit 130 according to the embodiment variably sets an additional interest rate for the savings account of the customer based on a result of comparing the actual situation of the economy with the prediction information of the customer.

The variable interest rate determination unit 130 may set an additional interest rate according to whether the predicted scenario of the customer and the actual economic situation coincide or do not match before the predetermined prediction period elapses.

The variable interest rate decision unit 130 according to an embodiment is configured such that a customer who selects a prediction scenario corresponding to an actual situation among a plurality of prediction scenarios has a relatively higher interest rate Can be provided.

When a plurality of customers open savings accounts of a savings product by selecting one of a plurality of prediction scenarios for a future economic situation, the variable interest rate decision unit 130 determines the savings amount of customers who have selected the scenario for each scenario The higher you set the higher the additional interest rate for customers who have chosen the scenario.

The variable interest rate determination unit 130 may set the dividend rate of the additional interest rate for each scenario in inverse proportion to the number of the opened customer for each scenario. For example, if the total interest payable for a savings product is limited, the additional interest rate allocated to each individual customer per scenario can be determined to be inversely proportional to the number of customers who selected the same forecast scenario.

As another example, the account opening unit 110 may be configured to open a web page, a blog, and a social network service in association with a savings item, so that customers of the savings product can register a post for a plurality of prediction scenarios during the collection period of the savings product. And may provide an Internet customer engagement space that includes at least one.

In an Internet customer engagement space where other customers of a savings product share an opinion according to one embodiment, a customer may register a post including contents supporting one prediction scenario selected from a plurality of prediction scenarios. The customer's prediction information according to another example may include a registration post including a prediction scenario selected by the customer.

The prediction information according to another example may include a response of other customers to the current customer's post registered in the Internet customer participation space. In this case, the variable interest rate determination unit 130 may variably set the additional interest rate for the savings account of the customer based on the response of other customers to the postings of the customers registered in the Internet customer participation space.

The variable interest rate decision unit 130 according to another example sets a relatively higher interest rate for customers who have selected the scenario as the scenario in which the number of posts of customers registered in the Internet customer participation space is large among the plurality of prediction scenarios It is possible.

The variable interest rate determination unit 130 according to another example may provide the customer with a cashback benefit based on the customer's posts or comments registered in the Internet customer participation space.

Accordingly, the flexible interest rate determination unit 130 can set an additional interest rate based on the customer participation during the savings product subscription period after expiration of the savings product subscription / subscription period.

When the predicted period according to the prediction scenario setting has elapsed and the actual economic situation is determined, the variable interest determining unit 130 can determine and grant the additional interest to the customer based on the actual economic situation.

The savings account management unit 140 according to the embodiment provides the customer with the interest and the principal that have applied the basic interest rate and the additional interest rate to the principal deposited in the savings account of the customer after expiration of the savings period of the savings commodity.

The bank server 100 according to an embodiment can open an account to a customer who intends to subscribe to a savings product that applies a variable interest rate based on customer participation offline through a bank branch. In this case, the bank server 100 may receive a customer's request for a savings product subscription from a bank branch office terminal.

The bank server 100 according to an embodiment can access a bank's Internet banking web site by using an Internet web browser or a smart phone application through a customer's mobile phone, A savings account according to one embodiment may be opened. Hereinafter, an embodiment in which a savings account is opened through the customer terminal 100 will be described with reference to FIG.

FIG. 2 illustrates a block diagram of a customer terminal 200 for receiving a bank savings product that applies a variable interest rate based on customer participation in accordance with one embodiment.

The customer terminal 200 according to an exemplary embodiment of the present invention includes an account opening request unit 210, a prediction information transmission unit 220, and a transaction request unit 230. The account opening requesting unit 210, the prediction information transmitting unit 220 and the transaction requesting unit 230 are respectively operated by the control of the central processing unit of the customer terminal 200 or by the control of its own operation processor, The linking operation can be performed mutually organically.

The operations of the account opening request unit 210, the prediction information transmission unit 220 and the transaction request unit 230 may be driven by a dedicated banking service application installed in the customer terminal 200. [ Alternatively, when the customer terminal 200 accesses a web page for an Internet banking service through a web browser, the user terminal 200 may transmit a processing request to the web page and perform various processing operations.

The customer terminal 200 can communicate with the bank server 100 through a network. The network according to an embodiment is a broad concept including possible communication means such as an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network interworking with a mobile communication network, and a computer network capable of various data communication.

The account opening request unit 210 according to an embodiment requests the bank server 100 to open a savings account for a savings product. The account opening request unit 210 can directly receive information on a plurality of prediction scenarios that are set in connection with the savings product and predict future economic conditions from the bank server 100. [ Alternatively, information on a plurality of prediction scenarios may be acquired through the online space in which the plurality of prediction scenarios set by the bank server 100 are posted.

The customer terminal 200 can receive an input for selecting one prediction scenario from a plurality of prediction scenarios from the customer.

The prediction information transmission unit 220 according to an exemplary embodiment of the present invention may include prediction information related to a prediction scenario selected by a customer among a plurality of prediction scenarios based on information on a plurality of prediction scenarios provided by the bank server 100 To the bank server (100).

The transaction request unit 230 according to an embodiment requests the bank server 100 for all transactions related to the savings account, requests inquiry about the interest rate, current balance, and transaction details of the savings account, receives the inquiry result have.

As described above with reference to FIG. 1, the additional interest rate for the savings account according to one embodiment can be variably set based on a comparison between the actual economic situation after the forecast period has elapsed and the prediction information of the customer. The transaction request unit 130 according to the embodiment can determine the additional interest rate after the forecast period set in relation to the future economic situation has elapsed and inquire the final interest rate to which the additional interest rate is applied to the basic interest rate.

The customer of the customer terminal 200 according to the embodiment may receive interest on the principal together with the principal through the savings account after the expiration of the saving period of the savings commodity and applying the basic interest rate and the additional interest rate to the principal. The transaction request unit 230 may transmit an inquiry request for the final receipt to which the additional interest is applied to the principal, and may receive the inquiry result. Accordingly, the customer terminal 200 can display the inquiry result to the customer showing that the interest, to which the base interest rate and the additional interest rate have been applied, has been received along with the principal through the savings account.

The prediction information transmission unit 220 selects a prediction scenario indicating at least one of a predetermined variation direction of the economic index and a predetermined variation amount for a predetermined economic situation specified by a predetermined prediction period and a predetermined economic index type, Information to the bank server 100.

Also, the prediction information transmitting unit 220 can register a post for the prediction scenario selected by the customer through the internet customer participation space during the collection period of the savings product. In addition, the prediction information transmitting unit 220 may display a response to a post of another customer registered in the Internet customer participation space.

As described above with reference to FIG. 1, the additional interest rate on the savings account according to one embodiment is such that the higher the popularity of other customers with respect to the postings of customers registered in the Internet customer participation space, Interest rates can be determined. In addition, the higher the number of registered posts per scenario, the larger the savings amount for the customers of the scenario, the higher the additional interest rate may be determined for the customer who selected the scenario. A cashback benefit may be provided by the bank server 100 based on the postings or comments of the customers registered in the Internet customer participation space.

The additional interest rate or cashback benefit determined based on the posts or comments registered in the internet customer participation space in this way may be used for a period in which postings or comments can be registered in the Internet customer participation space, .

3 illustrates a flow diagram of a method for providing a savings product that applies a variable interest rate based on a comparison of an actual economic situation with a customer's prediction scenario, according to one embodiment.

At step 310, the bank server 100 receives a request to open a savings account for the savings product from the customer. Customers can be asked to open an account via offline and online.

At step 320, the bank server 100 provides a plurality of forecasting scenarios to the customer that predict future economic conditions set by the bank server 100 in connection with the savings product. The bank server 100 collects prediction information related to a prediction scenario selected by the customer from a plurality of prediction scenarios provided to the customer.

 The bank server 100 can specify the future economic conditions to be predicted by specifying the predetermined forecast period and the type of the predetermined economic indicators. The bank server 100 can configure and set a plurality of prediction scenarios according to at least one item of a variation direction of a predetermined economic indicator and a variation of an economic indicator after a predetermined prediction period. Each prediction scenario may represent at least one of a predetermined variation direction and a predetermined variation amount of a predetermined economic indicator.

Forecasting scenarios can be set for key economic indicators such as domestic / international stock prices, international oil prices, international gold prices, exchange rates, domestic inflation rates, consumer / producer / import and export prices, and benchmark interest rates. Additional interest rates must be settled before the saving period of the savings product, and the forecast period of the forecast scenario should be at least equal to or shorter than the savings period.

For example, as a future economic situation, one year as a forecast period and as an economic index, a KOSPI index can be set. Then, two prediction scenarios (first scenario set) of "KOSPI index increase after one year" and "KOSPI index decrease after one year" can be constituted in accordance with the fluctuation direction of the KOSPI index.

The KOSPI index rose by more than 5% in one year, the KOSPI index rose by less than 5% in one year, the KOSPI index fell by less than 5% in one year, and Four prediction scenarios (a second set of scenarios) of "a KOSPI index decline of more than 5% in one year" can also be constructed.

If the bank server 100 provides the savings product of the first scenario set, the customer obtains the prediction information for one prediction scenario selected from the two scenarios and provides the savings product of the second scenario set The customer can obtain prediction information for one prediction scenario selected from among the four scenarios.

In step 330, the bank server 100 variably determines an additional interest rate for the savings account of the customer based on the comparison between the actual situation after the economic situation is determined after the predetermined prediction period has elapsed, and the prediction information of the customer .

The bank server 100 may set an additional interest rate according to whether the predicted scenario of the customer and the actual economic situation match or disagree before the predicted period elapses. E.g,. Additional interest rates may be granted to customers who choose a scenario that matches the actual economic situation and those who choose a scenario that does not match, which may result in a higher additional interest rate being set for customers who chose the matching scenario. Alternatively, an additional interest rate may be granted only to customers who have selected a scenario that matches the actual economic situation, and may be set not to be granted an additional interest rate to a customer who selects a discrepancy scenario.

However, if the open customers are driven in a predetermined scenario among the plurality of prediction scenarios, the dividend rate of the additional interest rate may be lowered even if the scenario corresponds to the actual economic situation in the future.

For example, when the bank server 100 provides the savings product of the first set of scenarios illustrated above, it may provide additional interest rates as shown in Table 1 depending on whether the customer's forecast scenario matches the actual economic indicators or not .

[Table 1]

That is, if the customer forecast scenario and the actual economic index coincide with a "rise in KOSPI" or a "fall in KOSPI", the additional interest rate may be set higher than in the case of discrepancy. The additional interest rate is higher than when the customer forecast scenario and the actual economic index match the "KOSPI rise" with the "KOSPI decline", which means that the forecast scenario at the time of the savings product recruitment This is because the number of customers who selected the "KOSPI rise" prediction scenario is smaller than the number of people. If the total amount of interest payable for the savings product is limited, the number of customers who have chosen the "KOSPI decline" forecast scenario will be reduced so that the additional interest given to each customer will decrease relatively. The fewer customers who choose the scenario, the higher the dividend rate because the additional interest to each customer increases.

If the economic situation is determined after the anticipation period has elapsed, the additional interest rate can be established based on the comparison of the actual situation with the forecast information of the customer. At step 340, the bank server 100 may provide the customer with the principal plus the interest on which the base rate and the additional interest rate are applied to the principal deposited in the customer's savings account, after expiration of the savings period of the savings commodity.

Accordingly, the bank server 100 can give a relatively high additional interest rate to a customer who selects a prediction scenario that matches the actual situation among a plurality of prediction scenarios, as compared with a case where another prediction scenario that does not match the actual situation is selected .

With reference to FIG. 3, an embodiment has been described in which an additional interest rate set according to the coincidence of the actual situation after the prediction scenario selected by the customer at the time of the purchase of the savings product and the forecast period has elapsed has been described. In addition, when the bank server 100 provides customers with an Internet customer participation space when customers sign up for savings products, and when postings or comments on the prediction scenarios are registered from customers, additional interest or benefits may be set reflecting the registration.

The customer terminal 200 can select, among a plurality of prediction scenarios, an Internet customer participation space including a web page, a blog, and a social network service in relation to a savings product during a collection period of a savings product based on customer input You can register a post for a prediction scenario. In addition, the customer terminal 200 may display a response to the posts of other customers registered in the Internet customer participation space according to customer input.

For example, the bank server 100 determines whether a customer who registers a post with a high level of response to other customers in the Internet customer participation space, a customer who selects a scenario having a large number of registered posts, For a customer who chooses a scenario in which a customer has a high savings amount, it may be possible to add a relatively high additional interest rate. The bank server 100 may also provide cashback benefits to customers who have posted posts or comments in the Internet customer engagement space. In this case, it is necessary to set the additional interest rate after expiration of the subscription / offer period of the savings product in which the number of recruiters per scenario and the total savings amount are fixed.

The above-described Internet customer participation space will be described later with reference to FIGS. 5 and 6. FIG.

4 to 6, a description will be given of savings products that apply fluctuating interest rates based on customer participation through sharing predictive opinions of customers on the future economic situation.

Figure 4 illustrates a flow diagram of a method in which the bank server 100 provides a savings product that applies variable interest rates based on customer participation through sharing predictive opinions of customers about the future economic situation, according to another embodiment .

The bank server 100 receives a request for opening a savings account for the savings product from the customer (step 410), and opens a savings account for the savings product that set up the forecasting scenarios for the future economic situation (step 420 ).

At step 430, the bank server 100 provides an Internet customer participation space associated with the savings product so that customers of the savings product can register for a plurality of prediction scenarios that predict economic conditions during the collection period of the savings product do. Through the customer terminal 200, a post for a prediction scenario selected by a customer among a plurality of prediction scenarios may be registered through an Internet customer participation space. For example, the customer can access the Internet customer participation space using the customer terminal 200, create a post and request registration. In addition, the customer may display a response to the posts of other customers registered in the Internet customer participation space.

The bank server 100 uses the Internet customer participation space to collect prediction information including posts registered in relation to the prediction scenario selected by the customer.

The Internet customer engagement space provided by the bank server 100 may include at least one of an official web page, an official blog, and an official SNS provided by the bank server 100 in connection with the savings product. Or an external space such as a web page, a blog, and an SNS configured in cooperation with another Internet service provider may be provided as an Internet customer participation space related to a savings product of the bank server 100.

The prediction information collected by the bank server 100 includes post information such as a number and a title of a post that the customer has registered in the Internet customer participation space in relation to the prediction scenario selected by the customer among the plurality of prediction scenarios. The prediction information formed through the Internet customer participation space may include not only the postings of the customers but also the responses of other customers to the postings of the customers.

Figures 5 and 6 illustrate embodiments of an Internet customer engagement space for customers to share forecasting views of the future economic situation in accordance with another embodiment.

FIG. 5 illustrates a forecast bulletin board 500, which is a web page in which a post including an opinion on a prediction scenario selected by a customer is registered, as an Internet customer participation space according to another embodiment.

The prediction bulletin board 500 may include a post frame 510 for displaying a current post in which an opinion on a prediction scenario of a predetermined customer is written. The current post is a post left by the 'Customer # 62' that selected the prediction scenario of 'KOSPI rise' among the first scenario sets provided by the bank server 100.

The prediction board 500 may include a comment frame 510 including an input window of a comment and a comment registered by other customers for the current post.

The prediction bulletin board 500 may include an SNS selection button 530 so that other customers can share the current post with users of other web spaces via the SNS. In addition, the prediction board 500 may include a recommendation / inverse input button 540 for allowing other customers to display an empathy intention for the current post. The recommendation / rejection input button 540 displays the number of times the recommendation / opposition button 540 has been input so far. The bank server 100 can grasp the scenario selected by the customer based on the prediction scenario described in the title of the post of the post frame 510. [

The bank server 100 determines whether or not the current post is a current post based on the number of comments of other customers left in the comment frame 520, the number of SNS selection buttons 530 and the number of times of the recommendation / The response can be calculated.

FIG. 6 shows a prediction list 600, which is a web page showing a list of posts registered by customers in the prediction bulletin board 500, which is an Internet customer participation space according to another embodiment. The prediction list 600 displays the number of postings, the title of the post, the registrant of the post, the number of affirmative / negative entries for the post, and the number of views. The number of comments may be displayed in the post title column.

For example, when the box 610 of the post number 126 in the prediction list 600 is selected, the customer # 74 selects the prediction scenario of 'drop KOSPI' and moves to the prediction bulletin board in which the registered post is displayed. It is also possible to see that other customers have entered the Yes button four times in the post of customer # 74.

Therefore, through the prediction list 600, a customer-specific scenario in which a post is registered, a distribution of prediction scenarios of customers, and a reception level for each customer can be confirmed.

In step 440, the bank server 100 variably determines the additional interest rate on the savings account of the customer based on the response of the other customers to the post of the customer registered in the Internet customer participation space after the offer period of the savings product do.

The bank server 100 may determine an additional interest rate based on the result of participation of the customer registered in the Internet customer participation space based on the settlement after the end of the savings commodity.

For example, if a customer who selected a predetermined prediction scenario registers a post of content supporting the prediction scenario selected in the internet customer participation space, if the response of the other customers to this post is high, It is possible to give an additional interest rate to the customer who registered the post. In addition, the bank server 100 may analyze the number of posts registered for each scenario and provide an additional interest rate to a customer who selects a scenario having a large number of registered posts. Also, the bank server 100 may analyze the total savings amount of the customers who have subscribed for each scenario, and may give an additional interest rate to customers who have selected the scenarios with a large total savings amount. The bank server 100 may also provide cashback benefits to customers who have posted posts or comments in the Internet customer engagement space.

Through the customer terminal 200 or the like, the customer may transmit to the bank server 100 the selection information for directly selecting one prediction scenario from a plurality of prediction scenarios. The bank server 100 may collect selection information for directly selecting one prediction scenario among a plurality of prediction scenarios in addition to the postings registered by the customer as the prediction information collected in step 420. [ The customer's selection information may be registered in the form of a simple vote of the customer in the Internet customer participation space, but may be directly received from the customer and used as prediction information.

The bank server 100 calculates an additional interest rate for a customer who selects a prediction scenario that coincides with the actual economic situation among a plurality of prediction scenarios based on a result of comparing the actual economic situation after the prediction period has elapsed with the prediction information of the customer And may be added to additional interest or additional benefits provided through the Internet customer engagement space.

Accordingly, if the bank server 100 variably determines the additional interest rate on the savings account of the customer based on the customer's posts registered in the internet customer participation space and the responses of the other customers, The customer can access the online banking service of the customer 100 to obtain the determined additional interest rate for the savings account of the customer and provide the customer with the additional interest rate.

At step 450, the bank server 100 may, after expiration of the savings period of the savings product, provide the customer with the principal with the principal interest plus the additional interest on the principal deposited in the savings account of the customer, along with the principal. The customer terminal 200 accesses the online banking service of the bank server 100 and confirms that the interest to which the base interest rate and the additional interest rate are applied to the principal of the savings account of the customer is deposited in the savings account of the customer together with the principal I can show it to the customer.

 The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (13)

A bank server for providing savings products,
An account opening unit configured to set a plurality of prediction scenarios for predicting a future economic situation after a predetermined prediction period based on a request for opening a savings account received from a customer;
And an internet customer participation space provided so that customers of the savings product can register a post for a plurality of prediction scenarios for predicting the economic situation during the collection period of the savings product, A customer prediction information collection unit for collecting prediction information including registered posts in association with the selected prediction scenario;
Determining a first additional interest rate for the savings account of the customer based on a result of comparing the actual situation of the economic situation after the predetermined forecast period with the forecast information of the customer after the offer period of the savings product, A variable interest rate determination unit for determining a second additional interest rate for the savings account of the customer based on the response of the other customers to the post of the customer registered in the internet customer participation space; And
A savings account management unit for providing the customer with the interest, to which the basic interest rate, the first additional interest rate, and the second additional interest rate are applied to the principal deposited in the savings account of the customer after expiration of the savings period of the savings product, Lt; / RTI >
The satisfaction degree of the other customers is determined by the number of comments on the customer's posts, the number of sharing with the external SNS (social network service) of the customer's posts, the number of recommendation / The total number of registered posts registered by the other customers for the prediction scenario and the total savings amount for the prediction scenario selected by the customer,
The variable-
Among the plurality of prediction scenarios, it is preferable that the second higher interest rate is determined to be higher for the customers who have selected the scenarios and the higher the likelihood of the other customers registered in the Internet customer participation space is, The total savings amount of the customers subscribed to the plurality of prediction scenarios after the offer period is analyzed and the second additional interest rate is determined to be relatively higher for the customer who selected the scenario as the total saving amount is larger A bank server characterized by. The method according to claim 1,
Wherein the account opening unit sets a plurality of prediction scenarios constructed according to at least one item of a variation direction of the economic indicators and a variation amount of the economic indicators for a predetermined economic situation specified by the predetermined prediction period and the type of the predetermined economic indicators To the customer,
Wherein the customer forecast information collection unit collects the prediction information related to at least one prediction scenario among a predetermined variation direction and a predetermined variation amount of the economic index selected by the customer. 2. The system according to claim 1,
Wherein the client receives, as the prediction information, selection information for selecting a predetermined prediction scenario from the plurality of prediction scenarios. 2. The apparatus of claim 1, wherein the variable-
Wherein the first additional interest rate is determined to be relatively higher than the case where a different prediction scenario that does not coincide with the actual situation is selected for a customer who selects a prediction scenario that matches the actual situation among the plurality of prediction scenarios, The bank server. The method according to claim 1,
Wherein the Internet customer engagement space comprises at least one of a web page, a blog, and an SNS. delete delete delete delete delete A method for providing a savings product of a bank server,
Setting a plurality of prediction scenarios for predicting a future economic situation after a predetermined prediction period based on a request for opening a savings account for a savings product received from a customer;
And an internet customer participation space provided so that customers of the savings product can register a post for a plurality of prediction scenarios for predicting the economic situation during the collection period of the savings product, Collecting prediction information including a registered post with respect to the selected prediction scenario;
A first additional interest rate for the savings account of the customer is determined based on a result of comparing the actual situation of the economic situation after the predetermined forecast period with the prediction information of the customer after the collection period of the savings product step;
Determining a second additional interest rate for the savings account of the customer on the basis of the response of the other customers to the post of the customer registered in the internet customer participation space; And
And providing interest to the customer together with the principal after the expiration of the savings period of the savings product, wherein the principal interest, the first additional interest rate and the second additional interest rate are applied to the principal deposited in the savings account of the customer and,
The satisfaction degree of the other customers may be determined based on the number of comments on the customer's posts, the number of sharing with the external SNS of the customer's posts, the number of recommendation / The number of registered posts registered by other customers, and the total savings amount for the prediction scenario selected by the customer,
Wherein the step of determining the second additional interest rate comprises:
Among the plurality of prediction scenarios, it is preferable that the second higher interest rate is determined to be higher for the customers who have selected the scenarios and the higher the likelihood of the other customers registered in the Internet customer participation space is, The total savings amount of the customers subscribed to the plurality of prediction scenarios after the offer period is analyzed and the second additional interest rate is determined to be relatively higher for the customer who selected the scenario as the total saving amount is larger Wherein the bank savings product providing method comprises the steps of: 12. The method of claim 11, wherein collecting the prediction information comprises:
And receiving, as the prediction information, selection information for the customer to select a predetermined prediction scenario among the plurality of prediction scenarios. delete

Images