U.S. patent application number 10/147964 was filed with the patent office on 2003-01-02 for financial service system and method.
Invention is credited to Han, Byung Soo.
Application Number | 20030003985 10/147964 |
Document ID | / |
Family ID | 26639094 |
Filed Date | 2003-01-02 |
United States Patent
Application |
20030003985 |
Kind Code |
A1 |
Han, Byung Soo |
January 2, 2003 |
Financial service system and method
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.
Inventors: |
Han, Byung Soo; (Seoul,
KR) |
Correspondence
Address: |
JACOBSON HOLMAN PLLC
400 SEVENTH STREET N.W.
SUITE 600
WASHINGTON
DC
20004
US
|
Family ID: |
26639094 |
Appl. No.: |
10/147964 |
Filed: |
May 20, 2002 |
Current U.S.
Class: |
463/17 |
Current CPC
Class: |
G06Q 50/34 20130101;
G06Q 40/02 20130101; G07F 17/3288 20130101 |
Class at
Publication: |
463/17 |
International
Class: |
A63F 009/24 |
Foreign Application Data
Date |
Code |
Application Number |
May 22, 2001 |
KR |
2001-28180 |
Nov 22, 2001 |
KR |
2001-73156 |
Claims
We claim:
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: (A.times.R.times.{fraction
(1/12)})+(3A.times.R.times.{fraction
(1/12)})+{(3A+.alpha.).times.R.times- .{fraction (1/12)}}+, where
"A" denotes a monthly average balance, "R" denotes a margin rate of
a last year of a financial company, and ".alpha." denotes a balance
that is not drawn out yet, wherein (A.times.R.times.{fraction
(1/12)}) represents a benefit of a first month that is a month
directly before the lottery is performed,
(3A.times.R.times.{fraction (1/12)}) represents a benefit of a
second month that is a month when the lottery begins, and
"(3A+.alpha.).times.R.times.{fraction (1/12)}" 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.
Description
BACKGROUND
[0001] 1. Field of Invention
[0002] The present invention relates to a financial service system
and a method of the same.
[0003] 2. Related Art
[0004] 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.
[0005] 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.
[0006] 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.
[0007] 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).
[0008] 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.
SUMMARY
[0009] 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.
[0010] 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.
[0011] 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.
[0012] 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 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.
[0013] 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.
[0014] A lottery opportunity is given to the depositor freely until
a deposit money is drawn out.
[0015] The method further includes applying a foreign exchange rate
to a foreign money when the foreign money is deposited.
[0016] 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.
[0017] 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.
[0018] The ranking/lottery-money information is managed by a drive
manager by using an ID and a password.
[0019] 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.
[0020] 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 THE DRAWINGS
[0021] 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:
[0022] FIG. 1 is a block diagram illustrating a financial service
system according to the present invention;
[0023] FIG. 2 shows a configuration of a non-interest compound
function saving account according to the present invention;
[0024] FIG. 3 is a flow chart illustrating a financial service
method according to the present invention;
[0025] FIG. 4 shows an example of a lottery ticket number and a
ranking indication according to the present invention;
[0026] FIG. 5 shows a system operating mechanism to manage a sales
money of a lottery and a balance according to the present
invention;
[0027] FIG. 6 shows an example of a benefit of the financial
company calculated by the system operating mechanism of FIG. 5;
[0028] FIG. 7 shows a fixed time interest converted system of prize
winning amount according to the present invention;
[0029] FIG. 8 shows an example of a lottery-money according to a
rank according to the present invention; and,
[0030] FIG. 9 shows an example of the lottery money of a first rank
according to a sales money according to the present invention.
DETAILED DESCRIPTION
[0031] Reference will now be made in detail to preferred
embodiments of the present invention, example of which is
illustrated in the accompanying drawings.
[0032] FIG. 1 is a block diagram illustrating a financial service
system according to the present invention.
[0033] 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 110.
[0034] 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.
[0035] 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.
[0036] 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.
[0037] The ranking/lottery-money information 306 is managed by a
drive manager 310 by using an ID and a password.
[0038] 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.
[0039] 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.
[0040] 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.
[0041] FIG. 3 is a flow chart illustrating a financial service
method according to the present invention.
[0042] The financial service method according to the present
invention is described in detail below.
[0043] 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.
[0044] 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.
[0045] 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.sup.th day. However, a lottery for a first month is
preferably performed one time on the 16.sup.th day of the second
month.
[0046] 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.sup.th day of the next month. However, when the
first day and the 16.sup.th day are holiday, an announce of the
lottery result falls on the next day.
[0047] 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.
[0048] 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.
[0049] 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 predetermined 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.
[0050] 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.
[0051] 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.
[0052] 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.
[0053] Referring to FIG. 5, a benefit of a financial company can be
drawn by the following formula:
(A.times.R.times.{fraction (1/12)})+(3A.times.R.times.{fraction
(1/12)})+{(3A+.alpha.).times.R.times.{fraction (1/12)}}+
[0054] , where "A" denotes a monthly average balance, "R" denotes a
margin rate of a last year of a financial company, and ".alpha."
denotes a balance that is not drawn out yet.
[0055] In the formula, (A.times.R.times.{fraction (1/12)})
represents a benefit of a first month that is a month directly
before the lottery is performed. (3A.times.R.times.{fraction
(1/12)}) represents a benefit of a second month that is a month
when the lottery begins. "(3A+.alpha.).times.R.times.{fraction
(1/12)}" represents a benefit on and after a third month.
[0056] 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 won.times.8.5%.times.{fraction (1/12)})+(45million
won).times.8.5%.times.{fraction (1/12)})+{(45 million
won+.alpha.).times.8.5%.times.{fraction (10/12)}}.
[0057] FIG. 6 shows an example of a benefit of the financial
company calculated by the system operating mechanism of FIG. 5.
[0058] 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.
[0059] 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.
[0060] 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.
[0061] 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.
[0062] 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.
[0063] 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.
* * * * *