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.

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the lottery is performed by a predetermine number of times;    regarding a deposit money as a balance which can be withdrawn when the lottery is performed by the predetermined number of times; and,    performing the lottery again when the lottery is not performed by the predetermined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×R× {fraction (1/12)})+(3 A×R× {fraction (1/12)})+{(3 A +α)× R× {fraction (1/12)}}+ , 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,    wherein (A×R×{fraction (1/12)}) represents a benefit of a first month that is a month directly before the lottery is performed, (3A×R×{fraction (1/12)}) represents a benefit of a second month that is a month when the lottery begins, and “(3A+α)×R×{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.