WO2002095644A1

WO2002095644A1 - Financial service system and method

Info

Publication number: WO2002095644A1
Application number: PCT/KR2002/000681
Authority: WO
Inventors: Byung Soo Han
Original assignee: Byung Soo Han
Priority date: 2001-05-22
Filing date: 2002-04-15
Publication date: 2002-11-28
Also published as: US20030003985A1

Abstract

The present invention discloses a financial service system and method. A plurality of customer computers contact a financial service server via a communication network. The financial service system includes a lottery management portion performing a lottery, and an account management portion conferring a non-interest compound function saving account to a depositor, determining whether the user draws a winning number or not, and managing a winning money.

Description

FINANCIAL SERVICE SYSTEM AND METHOD

Technical Field

The present invention relates to a financial service system and a method of the same.

Background Art

Financial companies have various type of saving products and lottery products for a financial service. The lottery products have negative factors in that, for example, most of customers have a risk such as an asset reduction.

Among the saving products handled by the financial company, a special deposit is the only saving product having no interest rate. The special deposit is a product opposed to a customer's intention occasionally. Recently, the financial companies pursue a trend that an interest rate is not paid to customers whose account balance is less than a predetermined amount of money. Thus, there occurs a trouble between the customers and the financial company. A trust also has a principal loss risk in a low interest rate day.

The financial companies make efforts so as to increase a benefit by raising a deposit-loan margin, establishing a commission item, or raising a commission. However, these have many limitations and can incur a censure that an expense is passed on to the customers.

The financial companies have a special character different from the manufacturing industry. The financial companies create a benefit of about 80% from a top-ranking customer of 20%. The financial companies generally have top-ranking customers of 20%, ordinary customers of 35%, and delinquent customers of 45%. Of a total bank benefit, 150% is created by the top-ranking customers, 0% is created by the ordinary customers, and -50% is created by the delinquent customers. In this situation, the financial companies make efforts so as to create a benefit of more than 100% from the top-ranking customers of 20% and create a benefit of more than 30% from the ordinary customers of 35% by taking up a side business, handling an indirect saving products, raising a deposit-loan margin, developing a commission item, or raising a commission, or using a management such as a customer relationship management (CRM) or an enterprise resource planning (ERP).

For the foregoing reasons, there is an urgent need for a financial service that the financial company raises a funds having no interest rate and the customer has a guarantee for the principal and enjoys an opportunity to accumulate riches.

Disclosure of Invention To overcome the problems described above, preferred embodiments of the present invention provide financial service system and method which can provide a financial service that the financial company raises a funds having no interest rate and the customer has a guarantee for the principal and enjoys an opportunity to accumulate riches. In order to achieve the above object, the preferred embodiments of the present invention provide a financial service method, comprising: a) conferring a depositor a non-interest compound function saving account including a main account and a sub account; b) performing a lottery by a predetermined method; c) determining whether the depositor draws a winning number or not; and d) paying a winning money to the depositor when the depositor draws the winning

number.

A lottery ticket number is given to the depositor, and a lottery period are

determined, so that the lottery is performed according to the lottery ticket number

and the lottery period.

The method further includes determining whether a winning money is less than a predetermined amount of money or not when the depositor draws the

winning numer; paying the winning money to the sub account in cash

immediately when the winning money is less than the predetermined amount of

money; and depositing the winning money in the main account during a

predetermined time period and paying the principal and interest of the winning

money when the time period is expired when the winning money is greater than the predetermined amount of money.

When the user does not draw a winning number, the method further

includes, determining whether the lottery is performed by a predetermine number

of times; regarding a deposit money as a balance which can be withdrawn when the lottery is performed by the predetermined number of times; and performing

the lottery again when the lottery is not performed by the predetermined number of times.

A lottery opportunity is given to the depositor freely until a deposit money

is drawn out.

The method further includes applying a foreign exchange rate to a

foreign money when the foreign money is deposited.

The present invention further provides a financial service system,

comprising: a plurality of customer computers; and a financial service server contacting the plurality of the customer computers via a communication network, the financial service server including: a lottery management portion performing a lottery; and an account management portion conferring a non-interest compound

function saving account to a depositor, determining whether the user draws a

winning number or not, and managing a winning money.

The non-interest compound function saving account includes a main

account, a sub account, and a ranking/lottery-money information, the main

account serving an account performing the lottery, the sub account serving as a

sub account in which a common transaction including at least one of a

remittance, an account transfer, and a use of an automatic teller machine (ATM)

is possible.

The ranking/lottery-money information is managed by a drive manager

by using an ID and a password.

The financial service system further includes an exchange rate

management portion applying a foreign exchange rate to a foreign money when

the foreign money is deposited, a main account database storing a main account

information of the depositor, and a sub account database storing a sub account

information of the depositor.

The inventive financial service system and method have advantages in

that the financial company can raise a funds having no interest rate, and the

customer has a guarantee for the principal and enjoys an opportunity to accumulate riches.

Brief Description of Drawings

For a more complete understanding of the present invention and the advantages thereof, reference is now made to the following descriptions taken in

conjunction with the accompanying drawings, in which like reference numerals

denote like parts, and in which:

FIG. 1 is a block diagram illustrating a financial service system according

to the present invention;

FIG. 2 shows a configuration of a non-interest compound function saving

account according to the present invention;

FIG. 3 is a flow chart illustrating a financial service method according to

the present invention; FIG. 4 shows an example of a lottery ticket number and a ranking

indication according to the present invention;

FIG. 5 shows a system operating mechanism to manage a sales money

of a lottery and a balance according to the present invention;

FIG. 6 shows an example of a benefit of the financial company

calculated by the system operating mechanism of FIG. 5;

FIG. 7 shows a fixed time interest converted system of prize winning

amount according to the present invention;

FIG. 8 shows an example of a lottery-money according to a rank

according to the present invention; and,

FIG. 9 shows an example of the lottery money of a first rank according to

a sales money according to the present invention.

Best Mode for Carrying Out the Invention

Reference will now be made in detail to preferred embodiments of the

present invention, example of which is illustrated in the accompanying drawings. FIG. 1 is a block diagram illustrating a financial service system according

to the present invention.

Referring to FIG. 1 , a plurality of customer computers 10 contact a financial service server 100 via a communication network such as an Internet.

The financial service server 100 includes an account management portion 102, a

main account database 104, a sub account database 106, a lottery management

portion 108, and an exchange rate processing portion 1 10.

The account management portion 102 gives a user (i.e., depositor) a non-interest compound function saving account 300, also known as a refundable

lottery-money saving account as shown in FIG. 2 when a user becomes a

membership of the financial service server 100. The non-interest compound

function saving account 300 includes a main account 302, a sub account 304,

and a ranking/lottery-money information 306.

The main account 302 is an account used to perform a lottery. The

balance of the main account 302 cannot be drawn out since it is regarded as an

installment deposit unless the client terminates the non-interest compound

function saving account 300, and the lottery ticket number is given to the balance

of the main account 302. However, when the lottery for the money deposited in

the main account 302 is performed by a predetermined number of times, the deposit money of the main account 302 is regarded as a balance which can be

drawn out and can be transferred to the sub account 304 by the client. Even

though the deposit money of the main account 302 is regarded as the balance

which can be drawn out, the lottery ticket number is given to the deposit money

until the deposit money is drawn out.

The sub account 304 is a common account. The balance of the sub account 304 can be withdrawn at any time, and a common transaction such as a remittance, an account transfer,. and a use of an automatic teller machine (ATM) is possible in the sub account 304. Various functions can also be added to the sub account. However, the lottery ticket number is not given to the balance of the sub account 304.

The ranking/lottery-money information 306 is managed by a drive manager 310 by using an ID and a password.

The main account database 104 stores a main account information of respective customers. The sub account database 106 stores a sub account information of respective customers.

The lottery management portion 108 performs a lottery. The account management portion 102 determines whether the user draws a winning number or not, and manages a winning money.

The exchange rate management portion 110 applies a foreign exchange rate to a foreign money when the foreign money is deposited. When an exchange rate is 1,298 won per one dollar and 1,000$ is deposited, the exchange rate management portion 110 exchanges 1,000$ for one million two hundred ninety eight thousand (1,298,000) won. Therefore, if it is assumed that one lottery ticket number is given per one hundred thousand won, one million two hundred thousand won is deposited in the main account 302, and the ninety eight thousand won is deposited in the sub account 304, and 12 lottery ticket numbers are given to the depositor. The exchange rate management portion 110 also processes an exchange rate when won is exchanged for dollar.

FIG. 3 is a flow chart illustrating a financial service method according to the present invention. The financial service method according to the present invention is described in detail below.

A user can use the financial service according to the present invention after joining the financial service server 100 as a membership. When a user joins the financial service server, the account management portion 102 gives the user a non-interest compound function saving account 300 having the main account 302 and the sub account 304 (step S202). The main account information and the sub account information are stored in the main account database 104 and the sub account database 160, respectively. The lottery management portion 108 confers a lottery ticket number to the depositor and determines a lottery period (step S204). Here, when a predetermined amount of money is deposited in the main account 302, the lottery ticket number per a predetermined amount of money is conferred as shown in FIG. 4. In FIG. 4, one lottery ticket number per one hundred thousand won is given. For example, when one million won is deposited in the main account 302, ten lottery ticket numbers are given to the depositor. However, when a monthly amount of sales money is less than one hundred billion won, the lottery can be limited to once a month.

The lottery management portion 108 performs a lottery for the money deposited in the main account 302 according to the lottery ticket number and the lottery period (step S206). Preferably, the lottery is performed twice a month on the first day and the 16^th day. However, a lottery for a first month is preferably performed one time on the 16^th day of the second month.

The lottery result for a deposit money of the first half of the month is announced on the first day of the next month, and the lottery for a deposit money of the second half of the month is announced at the 16^th day of the next month. However, when the first day and the 16^th day are holiday, an announce of the lottery result falls on the next day.

Subsequently, the account management portion 102 determines whether the user draws a winning number or not (step S210). When the user does not draw a winning number, it is determined whether the lottery is performed by a predetermine number of times (e.g., twice) or not (step S212). The deposit money that underwent the lottery of the predetermined number of times is regarded as a balance which can be withdrawn from the main account 302 to the sub account 304 (step 214). For example, among the deposit moneys of the main account 302, the deposit money that underwent the lottery twice can be withdrawn at any time. When the deposit money does not undergo the lottery of the predetermined number of times, the step S204 is performed until the lottery is performed by the predetermined number of times. A predetermined amount unit of money, e.g., one hundred thousand won, can be transferred between the main account 302 and the sub account 304. In this case, a multiple of one hundred thousand won is deposited in the main account 302. But, a money of a won unit can be deposited in the sub account 304. The withdrawal method follows a firs-in-first-out method similar to a current financial system. The lottery opportunity for a deposit money is continuously given to the client twice a month until the deposit money is drawn out of the main account 302, whereupon the client can have a lottery opportunity automatically and the financial company has an advantage of a long-term deposit.

On the other hands, when the user draws a winning number, the account management portion 102 determines whether the winning money is less than a predetermined amount of money (e.g., one million won or ten million won) per one person or not (step S220). When the winning money is less than the predetermined amount of money, the winning money is immediately paid in cash to the sub account 304 (step 222). However, when the winning money is greater than the predetermined amount of money, the winning money is deposited in the main account 304 during a predetermined time period and then the principal and interest is paid when the time period is expired (step S224). The time period depends on an amount of the winning money.

Subsequently, the account management portion 102 determines whether the main account 302 has the balance or not (step S230). When the main account 302 has the balance, the lottery is performed in the method described above.

FIG. 5 shows a system operating mechanism (SOM). The financial service system that seeks for Pareto-Optimum can be managed efficiently by the SOM of FIG. 5. A sales money of a lottery and a balance are managed by the system operating mechanism of FIG. 5.

In FIG. 5, it is assumed that a lottery is performed one time in an initial month, the lottery is performed by twice a month on and after the next month, and the deposit money that undergoes the lottery twice is regarded as a balance which can be with drawn.

Referring to FIG. 5, a benefit of a financial company can be drawn by the following formula:

(AχRx1/12)+(3AxRx1/12)+{(3A+α)xRχ1/12}+....

, where "A" denotes a monthly average balance, "R" denotes a margin rate of a last year of a financial company, and "α" denotes a balance that is not

drawn out yet.

In the formula, (AχRχ1/12) represents a benefit of a first month that is a

month directly before the lottery is performed. (3AχRχ1/12) represents a benefit

of a second month that is a month when the lottery begins. "(3A+α)^χR^χ1/12"

represents a benefit on and after a third month.

For example, assume that a monthly average balance is 15 million won, and a margin rate is 8.5%. The benefit of the financial company during one year from the initial or first month can be calculated as follows: (15 million wonχ8.5%χ1/12)+(45million won)χ8.5%x1/12)+{(45 million

won+α)x8.5%x 10/12}.

FIG. 6 shows an example of a benefit of the financial company calculated by the system operating mechanism of FIG. 5.

FIG. 7 shows a fixed time interest converted system of prize winning amount (hereinafter, ICS-PWA). Preferably, the principal and interest of the step S224 is calculated by the ICS-PWA of FIG. 7 and is paid to the sub account 304 automatically.

FIG. 8 shows an example of the lottery-money according to a rank. The lottery-money can be configured in various forms. For example, the lottery- money can be concentrated or dispersed. Various special prizes can also be added to induce a long-term deposit.

FIG. 9 shows an example of the lottery money of the first rank according to the sales money. The upper limit of the lottery-money can be removed according to the sales money. That is, a sliding lottery-money can be performed. Preferably, the lottery-money can be set by a lottery-money sum limit rate (hereinafter, LmSLR). For example, 0.3% of the sales money can be set as the lottery-money sum limit rate. This can increase the lottery-money of the first rank, thereby increasing a total amount of the lottery-money. The lottery-money of the lower ranks can also be configured by the same principle. As shown in FIG. 9, the lottery-money increases as the sales money increases.

As described herein before, the inventive financial service system and method have advantages in that the financial company can raise a funds having no interest rate, and the customer has a guarantee for the principal and enjoys an opportunity to accumulate riches. That is, the financial service system and method according to the present invention achieves a Pareto-Optimum, so that a position of a prosumer is secured, and a beneficiary structure of a financial company is improved.

In addition, a business time difference between cities or countries can be overcome by operating the financial service in real-time via an internet during 24 hours. A deposit and a drawing of a foreign currency and a foreign exchange rate application can be settled by a free account that can be withdrawn freely and a derivational financial transaction. The benefit created by the financial service can be used in the field. Therefore, since all people in the world can use the financial service according to the present invention in real-time via the internet, a national wealth can be increased.

While the invention has been particularly shown and described with reference to preferred embodiments thereof, it will be understood by those skilled in the art that the foregoing and other changes in form and details may be made therein without departing from the spirit and scope of the invention.

Claims

1. A financial service method, comprising: a) conferring a depositor a non-interest compound function saving account including a main account and a sub account; b) performing a lottery by a predetermined method; c) determining whether the depositor draws a winning number or not; and, d) paying a winning money to the depositor when the depositor draws the winning number.

2. The method of claim 1, wherein a lottery ticket number is given to the depositor, and a lottery period are determined, so that the lottery is performed according to the lottery ticket number and the lottery period.

3. The method of claim 1 , further comprising, determining whether a winning money is less than a predetermined amount of money or not when the depositor draws the winning numer; paying the winning money to the sub account in cash immediately when the winning money is less than the predetermined amount of money; and, depositing the winning money in a predetermined account during a predetermined time period and paying the principal and interest of the winning money when the time period is expired when the winning money is greater than the predetermined amount of money.

4. The method of claim 1 , further comprising, when the user does not draw a winning number, determining whether the lottery is performed by a predetermine number of times; regarding a deposit money as a balance which can be withdrawn when the lottery is performed by the predetermined number of times; and, performing the lottery again when the lottery is not performed by the predetermined number of times.

5. The method of claim 1, wherein a lottery opportunity is given to the depositor freely until a deposit money is drawn out.

6. The method of claim 1 , wherien the main account serves as an account performing the lottery, and the sub account serves as a common account in which a common transaction including at least one of a remittance, an account transfer, and a use of an automatic teller machine (ATM) is possible.

7. The method of claim 1 , further comprising, applying a foreign exchange rate to a foreign money when the foreign money is deposited.

8. The method of claim 1 , wherein the lottery-money can be set by a lottery- money sum limit rate.

9. The method of claim 1, wherien the lottery of an initial month is performed one time, the lottery is performed by twice a month on and after the next month, and a deposit money that undergoes the lottery twice is regarded as a balance which can be withdrawn.

10. The method of claim 1 , wherein a benefit of a financial company is drawn by the following formula:

(AxRx1/12)+(3AxRx1/12)+{(3A+α)xRχ1/12}+....

drawn out yet, wherein (AχRχ1/12) represents a benefit of a first month that is a month

directly before the lottery is performed, (3AχRχ1/12) represents a benefit of a

second month that is a month when the lottery begins, and "(3A+α)χRχ1/12"

represents a benefit on and after a third month.

11. The method of claim 1 , wherein a business time difference between cities or countries is overcome by operating the financial service in real-time via an internet during 24 hours, and a deposit and a drawing of a foreign currency and a foreign exchange rate application are settled by a free account that can be withdrawn freely and a derivational financial transaction, and a benefit created by the financial service can be used in the field.

12. A financial service system, comprising: a plurality of customer computers; and, a financial service server contacting the plurality of the customer computers via a communication network, the financial service server including: a lottery management portion performing a lottery; and, an account management portion conferring a non-interest compound function saving account to a depositor, determining whether the depositor draws a winning number or not, and managing a winning money.

13. The system of claim 12, wherein the non-interest compound function saving account includes a main account, a sub account, and a ranking/lottery- money information, the main account serving as an account performing the lottery, the sub account serving as a common account in which a common transaction including at least one of a remittance, an account transfer, and a use of an automatic teller machine (ATM) is possible.

14. The system of claim 12, wherein the ranking/lottery-money information is managed by a drive manager by using an ID and a password.

15. The system of claim 12, further comprising, an exchange rate management portion applying a foreign exchange rate to a foreign money when the foreign money is deposited.

16. The system of claim 12, further comprising, a main account database storing a main account information of the depositor; and, a sub account database storing a sub account information of the depositor.