KR20130097819A - Variable saving method and financial server for the same - Google Patents

Variable saving method and financial server for the same Download PDF

Info

Publication number
KR20130097819A
KR20130097819A KR1020120008445A KR20120008445A KR20130097819A KR 20130097819 A KR20130097819 A KR 20130097819A KR 1020120008445 A KR1020120008445 A KR 1020120008445A KR 20120008445 A KR20120008445 A KR 20120008445A KR 20130097819 A KR20130097819 A KR 20130097819A
Authority
KR
South Korea
Prior art keywords
index
unit
setting
sections
section
Prior art date
Application number
KR1020120008445A
Other languages
Korean (ko)
Inventor
이정무
Original Assignee
주식회사 신한은행
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 신한은행 filed Critical 주식회사 신한은행
Priority to KR1020120008445A priority Critical patent/KR20130097819A/en
Publication of KR20130097819A publication Critical patent/KR20130097819A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Abstract

PURPOSE: A variable accumulation method and a finance server thereof are provided to maximize the cost average effect of the accumulation fund by automatically changing the amount of the accumulated money according to a Korea composite stock price index. CONSTITUTION: A reference index setting unit (11) sets a reference index. A fluctuation unit setting unit (12) sets the fluctuation unit of a stock index to set each range of index sections. An index section setting unit (13) sets a plurality of index sections based on the set reference index and the fluctuation unit. A transferred amount setting unit (14) sets the money automatically transferred from the bank account of a client to the accumulation fund in the plurality of the index sections. [Reference numerals] (11) Reference index setting unit; (12) Fluctuation unit setting unit; (13) Index section setting unit; (14) Transferred amount setting unit; (15) Index checking unit; (16) Deposit account managing unit; (17) Fund managing unit

Description

VARIABLE SAVING METHOD AND FINANCIAL SERVER FOR THE SAME}

The present invention relates to a variable accumulation method and a financial server therefor, and more particularly, to a variable accumulation method and a financial server for changing the amount of reserves that are regularly accumulated according to the conditions.

A fund is a product raised from an unspecified majority that is invested in stocks or bonds. Most funds take the form of investors investing a certain amount at once. Accumulated funds, on the other hand, are funds that invest for a long time by dividing a certain amount of money at regular intervals, such as regular funds. Earned funds can be invested without much money and have a lower investment risk than other financial instruments that invest a lot of money at once.

In general, the reserves are credited to the fund-funded fund by a fixed-line accumulation method in which a fixed amount is automatically transferred from the customer's deposit account to the fund account each month. Regardless of the stock market, the customer expects to earn a certain amount of reserves in the reserve fund, depending on the fund management method of the manager who operates the upright fund.

In general, reserve funds buy more shares if they are expected to rise after a short-term downturn due to a temporary bad news, and less if they are not expected to continue to rise after a short-term rally. It is operated by purchasing. This is called cost averaging. The cost averaging method lowers the average purchase price per share, and reserve funds can be operated in a stable manner with less influence on stock prices.

If stock prices are expected to rise after a short period of decline, buying more shares with more reserves can maximize cost-averaging effects. However, the cumulative fund, which is invested in a fixed amount every month as a method of accumulating securities, must use a limited amount of reserves, thereby limiting the cost averaging effect. This is the reason why it is not possible to increase the profit rate of customers who subscribe to the fund.

The technical problem to be solved by the present invention is to provide a variable accumulation method and a financial server for maximizing the cost averaging effect of the fund.

A financial server according to an embodiment of the present invention includes a reference index setting unit for setting a reference index for dividing a stock price index into a plurality of index sections, and setting a variation unit of the stock index for setting a range of each of the plurality of index sections. A variable unit setting unit configured to set the plurality of index sections based on the set reference index and the variable unit, and a transfer amount automatically transferred to a fund-type fund in a customer's deposit account for each of the plurality of index sections. And a transfer unit setting unit for setting, wherein the variable unit setting unit allows a user to directly designate a variation unit selection method for selecting one of a plurality of variation units having a predetermined value or a variation unit for each of the plurality of index sections. The unit of change of the stock price index is set according to the free unit of change.

The bank account may further include a deposit account manager that transfers a transfer amount of the index section to which the closing price of the stock price index of the reference date belongs from the customer's deposit account to the fund.

It may further include an index check unit for confirming the closing price of the stock price index disclosed on the reference date.

The reference date may be one day before the transfer date when the transfer amount is automatically transferred to the earned fund in the customer's deposit account.

The exponential section setting unit may determine a range of each of the plurality of exponential sections as the size of the selected variation unit when the variation unit is selected according to the variation unit selection method.

When the variation unit is selected according to the variation unit free method, the exponential section setting unit may set the range of each of the exponential sections to the size of the variation unit designated by the user corresponding to each of the exponential sections.

The exponential section setting unit may set an upper limit value of the first exponential section having the highest value among the exponential sections unlimitedly.

The exponential section setting unit may set the lower limit of the last exponential section having the lowest value among the exponential sections to zero.

The transfer amount setting unit may set the transfer amount of each of the plurality of index periods so that the transfer amount increases or becomes equal from the first index period to the last index period.

According to another embodiment of the present invention, a variable accumulation method for changing a transfer amount automatically transferred to a fund by funding includes setting a reference index for dividing a stock price index into a plurality of index sections, each of the plurality of index sections. Setting a variable unit of the stock index for setting a range, setting the plurality of index sections based on the set reference index and the unit of change, and transferring a transfer amount automatically transferred from the customer's deposit account to the fund. And setting each of the plurality of index sections, wherein the variation unit of the stock index is a variation unit selection method for selecting any one of a plurality of variation units having a predetermined value or a variation unit for each of the plurality of index sections. Is set according to the variable unit free way that allows the user to directly specify.

The method may further include transferring a transfer amount of the index section, to which the closing price of the stock price index of the reference date belongs, from the plurality of index sections to the earned fund in the customer's deposit account.

The method may further include checking a closing price of the stock price index disclosed on the reference date.

The reference date may be one day before the transfer date when the transfer amount is automatically transferred to the earned fund in the customer's deposit account.

The setting of the plurality of index sections may include setting a range of each of the plurality of index sections as the size of the selected variation unit when the variation unit is selected according to the variation unit selection method.

The setting of the plurality of index sections may include setting a range of each of the plurality of index sections to a size of a user-specified variation unit corresponding to each of the plurality of index sections, when the variation unit is selected according to the variation unit free method. It may include.

The setting of the plurality of exponential sections may include setting an upper limit value of the first exponential section having the highest value among the plurality of exponential sections indefinitely.

The setting of the plurality of exponential sections may include setting a lower limit of the last exponential section having the lowest value among the plurality of exponential sections to zero.

The setting of the transfer amount for each of the plurality of index sections includes setting the transfer amount of each of the plurality of index sections so that the transfer amount increases or equals from the first index section to the last index section. can do.

The amount of reserves accumulated in the reserve fund can be automatically changed according to the KOSPI index, and the cost averaging effect of the reserve fund can be maximized.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.
2 is a flowchart illustrating a variable accumulation method according to an embodiment of the present invention.
3 is an exemplary diagram illustrating an example of determining the transfer amount according to the index section and the index section according to the variable unit selection method.
4 is an exemplary diagram illustrating an example of determining the transfer amount according to the index section and the index section according to the variable unit free method.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art to which the present invention pertains. The present invention may be embodied in many different forms and is not limited to the embodiments described herein.

In addition, in the various embodiments, components having the same configuration are represented by the same reference symbols in the first embodiment. In the other embodiments, only components different from those in the first embodiment will be described .

In order to clearly illustrate the present invention, parts not related to the description are omitted, and the same or similar components are denoted by the same reference numerals throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a block diagram illustrating a financial server according to an embodiment of the present invention.

Referring to FIG. 1, the financial server 10 includes a reference index setting unit 11, a variable unit setting unit 12, an index section setting unit 13, a transfer amount setting unit 14, and an index confirmation unit 15. , Account management section 16 and fund management section 17.

The reference index setting unit 11 sets a reference index for dividing a KOSPI (Korea Composite Stock Price Index) index into a plurality of index sections. The number of exponential sections may be predetermined. For example, the index section may be predetermined as seven, and the reference index may be an index that designates an intermediate index section among the seven index sections.

The fund's profits change according to the fund's base price, which is adjusted and changed annually, making it difficult for customers to understand the base price. The KOSPI index is not exactly in line with the fund's benchmark price, but is similar to the fund's benchmark, and is easily accessible to customers. Therefore, the KOSPI index, which can be easily selected by the customer, can be used as the reference index.

The variation unit setting unit 12 sets the variation unit of the KOSPI index for setting a range of each of a plurality of index sections. The unit of variation specifies the range of each of the exponential sections. The variable unit may be set according to the variable unit selection method or the variable unit free method.

The variation unit setting unit 12 may allow any one of a plurality of variation units having a predetermined value to be selected according to the variation unit selection method. For example, the variation unit setting unit 12 may allow one of the variation unit to be selected from 50p and 100p according to the variation unit selection method.

In addition, the variation unit setting unit 12 may allow the user to directly specify the variation unit for each of the plurality of index sections according to the variation unit free method. For example, the variation unit setting unit 12 allows the user to freely change the variation unit for each of the plurality of exponential sections except for the first exponential section without the upper limit and the last exponential section where the lower limit is set to 0. To be specified.

The index section setting unit 13 sets a plurality of index sections based on the set reference index and the variation unit.

When one variation unit is selected according to the variation unit selection method, the index section setting unit 13 sets a predetermined number of index sections based on the reference index. At this time, the exponential section setting unit 13 determines the range of each of the exponential sections as the size of the selected variation unit.

For example, suppose you have seven exponential intervals, a baseline index of 1800p, and a unit of change of 50p. The exponential section setting unit 13 determines a fourth exponential section of 1800p or more and less than 1850p as the basic section. And the exponential section setting unit 13 determines three exponential sections 1850p or more and less than 1900p, 1900p or more and less than 1950p and 1950p or more that are higher than the basic section. The exponential interval setting unit 13 determines three exponential intervals of 1750p or more and less than 1800p, 1700p or more and less than 1750p and less than 1700p, which are lower than the basic interval. The upper limit of the first exponential section is unlimited, and the lower limit of the last exponential section is set to zero.

When the user specifies a plurality of change units for each of a plurality of index sections except for the first index section and the last index section according to the free unit of change, the index section setting unit 13 determines the change unit specified based on the reference index. Set a plurality of exponential sections according to the. In this case, each of the remaining index sections except the first index section and the last index section is determined by the size of the user-specified variation unit corresponding to each of the plurality of index sections.

For example, suppose that there are seven exponential sections, the reference index is set to 1800p, and the user specifies the fluctuation ranges for five exponential sections as 30p, 40p, 50p, 60p, and 70p in order of exponential intervals. The exponential section setting unit 13 determines a fourth exponential section of 1800p or more and less than 1850p as the basic section. The exponential section setting unit 13 determines three exponential sections 1850p or more and less than 1890p, 1890p or more and less than 1920p and 1920p or more that are higher than the basic section. The exponential section setting unit 13 determines three exponential sections, which are 1740p or more and less than 1800p, 1670p or more and less than 1740p and less than 1670p, which are lower than the basic section.

The transfer amount setting unit 14 sets the transfer amount to be automatically transferred to the earning fund in the customer's deposit account for each index section. The transfer amount setting unit 14 may allow the customer to freely set the transfer amount for each index section. The same amount of transfer may be set for different index segments. In this case, the transfer amount setting unit 14 may induce the transfer amount to be set less for the high index section and the higher the transfer amount for the lower index section for the cost averaging effect. That is, the transfer amount setting unit 14 may set the transfer amount of each of the plurality of index sections such that the transfer amount increases or becomes equal to the first index section from the last index section. Accordingly, if the KOSPI index rises higher than the benchmark, the amount of direct debit to the reserve fund will be reduced. If the KOSPI index falls below the benchmark, the debit amount to the debit fund will be increased. do.

In setting the transfer amount for each index section, it is possible to automatically set the transfer amount for each index section in a rate-based manner. The rate method is a method in which the transfer amount of each index section is changed at a constant rate with respect to the reference amount. The variable method is a method in which the transfer amount of each district is freely selected. When the transfer amount of each index section is automatically set by the rate conversion method, it is difficult for the customer to freely select the amount of money, but the variable method of freely setting the transfer amount for each index section can give customers more choice. .

The index confirmation unit 15 confirms the closing price of the KOSPI index disclosed on the reference date. The base date is one day before the date on which the transfer amount is automatically debited from the client's deposit account to the fund. That is, the index check unit 15 confirms the KOSPI index closing price published on the day before the transfer date.

The deposit account manager 16 receives the transfer amount information for each index section from the transfer amount setting unit 14 and receives the KOSPI index closing price of the reference date from the index check unit 15. The deposit account manager 16 transfers the transfer amount of the index section to which the KOSPI index closing price of the base date belongs among the index sections from the customer's deposit account to the fund.

The fund manager 17 manages the customer's earned fund, and stores the transfer amount transferred from the customer's deposit account to the customer's earned fund.

Information such as the reference index, the variable unit, the transfer amount for each index section, and the like may be transmitted to the financial server 10 through the user terminal. The user terminal may be an employee terminal of a financial institution operating the financial server 10. That is, as a customer who visits a branch of a financial institution subscribes to a fund, the information such as a reference index, a variable unit, and a transfer amount for each index section designated by the customer may be transferred to the financial server 10 through an employee terminal of the financial institution. have. Alternatively, the user terminal may be a customer terminal connected to the financial server 10 through the Internet. That is, the customer may directly enter information such as reference index, variable unit, transfer amount by index section while joining the fund-type fund by accessing the financial server 10 through the customer terminal.

In the above, the financial server 10 includes the reference index setting unit 11, the variable unit setting unit 12, the index section setting unit 13, the transfer amount setting unit 14, the index checking unit 15, and the deposit account. Although the management unit 16 and the fund management unit 17 have been described as being included, each function may be configured in a separate server or configured as a computer-recognized program and stored in a storage medium.

Hereinafter, the variable accumulation method in which the amount of the reserve transferred to the reserve fund is changed according to the KOSPI index will be described.

2 is a flowchart illustrating a variable accumulation method according to an embodiment of the present invention.

Referring to FIG. 2, the reference index setting unit 11 sets a reference index according to the reference index information (S110). Reference index information may be received from the user terminal. Alternatively, the benchmark may be a pre-determined KOSPI index according to the financial institution's policy.

The variation unit setting unit 12 sets the variation unit of the KOSPI index (S120). The variation unit setting unit 12 may set the variation unit of the KOSPI index according to any one of a variation unit selection method and a variation unit free method. According to the variation unit selection method, any one of a plurality of variation units having a predetermined value may be selected through the user terminal. According to the variable unit free method, a variation unit for each of a plurality of exponential sections except for the first exponential section having no upper limit and the last exponential section in which the lower limit is set to 0 may be designated through the user terminal.

The exponential section setting unit 13 sets a plurality of exponential sections based on the set exponential section and the variation unit (S130). The exponential interval setting unit 13 may automatically set the exponential interval according to the variation unit selection method. Alternatively, the exponential interval setting unit 13 may set the exponential interval according to the variation unit designated by the user according to the variation unit free method.

The transfer amount setting unit 14 sets the transfer amount for each index section (S140). The transfer amount for each index section may be set through the user terminal. The customer can freely set the transfer amount for each index section.

Hereinafter, an example in which the transfer amount of each index section and the index section is determined according to the variable unit selection method will be described with reference to FIG. 3. An example in which the transfer amount of each index section and index section is determined according to the variable unit free method will be described with reference to FIG. 4.

3 is an exemplary diagram illustrating an example of determining the transfer amount according to the index section and the index section according to the variable unit selection method. 4 is an exemplary diagram illustrating an example of determining the transfer amount according to the index section and the index section according to the variable unit free method.

Referring to FIG. 3, when a reference index K is selected and one variation unit V is selected according to the variation unit selection method, seven exponential sections are automatically generated.

The reference index K is included in the middle fourth index section of the seven index sections, and the range of the fourth index section is determined by the size of the variation unit. In other words, the fourth exponential interval is defined as K ≦ P <K + V. Where P is the KOSPI index, K is the reference index, and V is the unit of change.

The fourth exponential section becomes a base section, and three exponential sections (first to third exponential sections) higher than the base section consecutively to the base section and three exponential sections lower than the base section (five to seventh exponential sections) This is decided. The range of each index section is determined by the size of the variation unit. That is, the first exponential interval is K + 3V ≤ P <∞, the second exponential interval is K + 2V ≤ P <K + 3V, the third exponential interval is K + V ≤ P <K + 2V, and the fifth exponential interval is KV ≤ P <K, the sixth exponential section is set to K-2V ≤ P <KV, and the seventh exponential section is set to 0 ≤ P <K-2V. The upper limit of the first exponential section is unlimited, and the lower limit of the seventh exponential section is set to zero.

When seven index sections are automatically generated, the transfer amount for the seven index sections can be freely set. In this case, the transfer amount of the same amount may be set for different index sections, but the transfer amount may be set less for high index sections and more for low index sections for cost averaging effects. Can be.

For example, assume that the transfer amount of the first index section is set to A. A can be set at an amount greater than or equal to the minimum transfer amount of the fund. The transfer amount B of the second index section is equal to or more than A, the transfer amount C of the third index section is more than B, the transfer amount D of the fourth index section is more than C, and the transfer amount E from the fifth index section. Is an amount greater than or equal to D, the transfer amount F of the sixth index section is to be equal to or greater than E, and the transfer amount G of the seventh index section is to be equal to or greater than F.

The customer can set a transfer amount for each index section under these conditions.

Referring to FIG. 4, when the reference index K is selected and the variation units V 2 , V 3 , V 4 , V 5 , and V 6 are selected according to the variation unit free method, seven exponential sections are automatically generated. do.

Since the first exponential section has no upper limit and the seventh exponential section has a lower limit set to 0, the variation unit for each of the remaining exponential sections except for the first and seventh exponential sections (V 2 , V 3 , and V 4). , V 5 , V 6 ) is selected. Here, V 2 is a variation unit for designating the range of the second exponential section, V 3 is a variation unit for designating the range of the third exponential section, V 4 is a variation unit for designating the range of the fourth exponential section, V 5 is a variation unit specifying a range of the fifth exponential section, and V 6 is a variation unit specifying a range of the sixth exponential section.

The reference index K is included in the fourth exponential section, which is the basic section, and the fourth exponent section is defined as K ≦ P <K + V 4 . The first exponential section is K + V 4 + V 3 + V 2 ≤ P <∞, and the second exponential section is K + V 4 + V 3 ≤ P <K + V 4 + V 3 + V 2 , the third Exponential section K + V 4 ≤ P <K + V 4 + V 3 , fifth exponential section KV 5 ≤ P <K, sixth exponential section KV 5 -V 6 ≤ P <KV 5 , seventh exponential section Is set to 0 ≤ P <KV 5 -V 6 .

After the seven index sections are automatically generated, the transfer amount for the seven index sections may be set as described in FIG. 3.

Referring back to FIG. 2, the index confirmation unit 15 confirms the closing price of the KOSPI index disclosed on the reference date (S150). The base date is one day before the date on which the transfer amount is automatically debited from the client's deposit account to the fund.

The deposit account manager 16 determines the transfer amount to be transferred on the transfer date by checking the transfer amount of the index section to which the KOSPI index closing price of the reference date belongs (S160).

The deposit account management unit 16 transfers the transfer amount determined at the transfer date to the earned fund in the customer's deposit account (S170).

As described above, by dividing the index section of the KOSPI index into a plurality, setting the transfer amount of the high index section less, and setting the transfer amount of the low index section more, so that the transfer amount transferred to the reserve fund is reduced in the high index section. And increase in low exponential intervals. Accordingly, if the KOSPI index rises, stocks may be reduced. If the KOSPI index falls, stocks may increase. In other words, depending on the stock market, timely intensive investment is possible and cost averaging effect can be maximized.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are illustrative and explanatory only and are intended to be illustrative of the invention and are not to be construed as limiting the scope of the invention as defined by the appended claims. It is not. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

10: Financial Server
11: reference index setting unit
12: variable unit setting unit
13: exponential section setting unit
14: transfer amount setting unit
15: Index check unit
16: Deposit Account Management Department
17: Fund Management Department

Claims (18)

A reference index setting unit for setting a reference index for dividing the stock price index into a plurality of index sections;
A variation unit setting unit configured to set a variation unit of a stock price index for setting a range of each of the plurality of index sections;
An index section setting unit for setting the plurality of index sections based on the set reference index and the variation unit; And
Including a transfer amount setting unit for setting the transfer amount to be automatically transferred to the fund-type fund in the customer's deposit account for each of the plurality of index sections,
The variation unit setting unit may be configured to select one of a plurality of variation units having a predetermined value, or to change the stock price according to a variation unit free scheme that allows a user to directly specify a variation unit for each of the plurality of index sections. Financial server that sets the unit of change for the index. The method according to claim 1,
The banking server further comprises a deposit account management unit for transferring the transfer amount of the index section to which the closing price of the stock price index of the base date of the plurality of index sections from the customer's deposit account to the earned fund. The method of claim 2,
The financial server further comprises an index confirmation unit for confirming the closing price of the stock price index published on the reference date. The method of claim 3,
The reference date is a financial server that is one day before the date of the transfer date is automatically transferred to the earned fund in the customer's deposit account. The method according to claim 1,
And the exponential section setting unit sets the range of each of the plurality of index sections as the size of the selected variation unit when the variation unit is selected according to the variation unit selection method. The method according to claim 1,
And the exponential section setting unit selects a range of each of the plurality of index sections as the size of the user-specified variation unit corresponding to each of the plurality of index sections when the variation unit is selected according to the variation unit free method. The method according to any one of claims 5 and 6,
And the exponential section setting unit sets an upper limit value of the first exponential section having the highest value among the plurality of exponential sections. The method of claim 7, wherein
And the exponential section setting unit sets a lower limit value of the last index section having the lowest value among the plurality of index sections to zero. The method of claim 8,
The transfer amount setting unit sets the transfer amount of each of the plurality of index sections so that the transfer amount increases or becomes equal from the first index section to the last index section. In the variable accumulation method for changing the transfer amount that is automatically debited to the fund-funded fund,
Setting a reference index for dividing the stock price index into a plurality of index sections;
Setting a variation unit of a stock price index for setting a range of each of the plurality of index sections;
Setting the plurality of index sections based on the set reference index and the variation unit; And
Setting a transfer amount to be automatically transferred to a fund-type fund in the client's deposit account for each of the plurality of index sections,
The variation unit of the stock price index may be based on a variation unit selection method for selecting one of a plurality of variation units having a predetermined value or a variation unit free method for allowing a user to directly specify a variation unit for each of the plurality of index sections. The variable accrual method established. The method of claim 10,
And transferring the transfer amount of the index section to which the closing price of the stock price index of the reference date belongs among the plurality of index sections to the earned fund in the customer's deposit account. 12. The method of claim 11,
The variable accumulation method further comprises the step of confirming the closing price of the stock price index published on the reference date. The method of claim 12,
The reference date is a variable accumulation method that is one day before the date of the transfer date is automatically transferred to the earned fund in the customer's deposit account. The method of claim 10,
Setting the plurality of exponential sections,
And selecting a range of each of the plurality of index sections as the size of the selected variation unit when the variation unit is selected according to the variation unit selection method. The method of claim 10,
Setting a plurality of exponential intervals,
And setting the range of each of the plurality of index sections to the size of the user-specified variation unit corresponding to each of the plurality of index sections when the variation unit is selected according to the variable unit free method. The method according to any one of claims 14 and 15,
Setting a plurality of exponential intervals,
And setting an upper limit value of the first index section having the highest value among the plurality of index sections in an unlimited manner. 17. The method of claim 16,
Setting a plurality of exponential intervals,
And setting a lower limit value of the last index section having the lowest value among the plurality of index sections to zero. The method of claim 17,
The setting of the transfer amount for each of the plurality of index sections includes:
And setting a transfer amount of each of the plurality of index periods so that the transfer amount increases or equals from the first index period to the last index period.
KR1020120008445A 2012-01-27 2012-01-27 Variable saving method and financial server for the same KR20130097819A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020120008445A KR20130097819A (en) 2012-01-27 2012-01-27 Variable saving method and financial server for the same

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020120008445A KR20130097819A (en) 2012-01-27 2012-01-27 Variable saving method and financial server for the same

Related Child Applications (1)

Application Number Title Priority Date Filing Date
KR1020130104276A Division KR20130103480A (en) 2013-08-30 2013-08-30 Variable saving method and financial server for the same

Publications (1)

Publication Number Publication Date
KR20130097819A true KR20130097819A (en) 2013-09-04

Family

ID=49449955

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020120008445A KR20130097819A (en) 2012-01-27 2012-01-27 Variable saving method and financial server for the same

Country Status (1)

Country Link
KR (1) KR20130097819A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180074889A (en) 2016-12-23 2018-07-04 아이에프에이주식회사 System and method for managing variable fund based on algorithm of fund changing signal

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180074889A (en) 2016-12-23 2018-07-04 아이에프에이주식회사 System and method for managing variable fund based on algorithm of fund changing signal

Similar Documents

Publication Publication Date Title
De Haan et al. Banks’ responses to funding liquidity shocks: Lending adjustment, liquidity hoarding and fire sales
Green et al. Strategic trading by index funds and liquidity provision around S&P 500 index additions
KR20060085565A (en) System and method for managing indirect-investment-type financial product connected to the use of card
Bergmann The rise in dividend payments
Faraglia et al. Long term government bonds
Arcelus et al. Foreign exchange transaction exposure in a newsvendor setting
US8626658B1 (en) Methods, systems and apparatus for providing a dynamic account list in an online financial services system
Cavaglia et al. Multi-asset class factor premia: A strategic asset allocation perspective
Ryan et al. An assessment of Kenya’s public debt dynamics and sustainability
Polak Addressing the post-crisis challenges in working capital management
KR20150077841A (en) Auto-trading System for reducing Unsystematic Risk
US20160019646A1 (en) Computer systems and methods for balancing indexes
Samarbakhsh et al. Fixed income mutual fund performance during and after a crisis: a Canadian case
US20230206339A1 (en) Computing system for optimizing investment of liquid guaranteed income assets
US20070055603A1 (en) Method and system for determining which mortgage choice is best for a consumer
JP2008135017A (en) Investment information processor, system, method, program, and program for investment information processing system
KR20130097819A (en) Variable saving method and financial server for the same
Meng et al. A substitution effect between price clustering and size clustering in credit default swaps
KR20130103480A (en) Variable saving method and financial server for the same
KR101693569B1 (en) Method, apparatus and computer program for managing financial asset
Sengupta Interest rate pass-through in India
US8805733B1 (en) Single premium deferred annuity
KR20100134145A (en) Fund operating method by weighted value
US20220092695A1 (en) Triggering transactions based on predefined events
JP2010039894A (en) Indication information presentation processing system and method thereof, and program

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application
A107 Divisional application of patent
J201 Request for trial against refusal decision
J301 Trial decision

Free format text: TRIAL DECISION FOR APPEAL AGAINST DECISION TO DECLINE REFUSAL REQUESTED 20130830

Effective date: 20150130