CN101124608A - A system and method for managing an indirect-investment-type financial product - Google Patents
A system and method for managing an indirect-investment-type financial product Download PDFInfo
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Abstract
A system for managing an indirect-investment-type financial product, the system comprising: a storage (140) for storing data about a usage history of a credit payment system for a user of the credit payment system; a unit (151) for converting the usage history into usage points; a first transfer unit (131) for transferring the converted usage points to at least one usage-point-linked account; and a second transfer unit (132) for transferring the converted usage points from said at least one usage-point-linked account to at least one indirect-investment-type financial product.
Description
Technical field
The present invention relates to be used to manage the system and method for indirect-investment-type financial product.
Background technology
Generally speaking, the people who wants to invest in stock etc. entrusts the concrete management company representative they invests.So management company pools together client's money and invests, and investment income is distributed to the client.
Generally speaking, the notion as the type that deposits in (installment-type) fund of the representative illustration of indirect-investment-type financial product by stages is combination installment savings and investment.Particularly, when with specific deposit in by stages client that the type fund is signed with contract with specific amount deposit management company in by the moon by stages the time, management company by with the moon deposit make an investment on the fund of customer selecting and manage a month deposit.Based on investment channel, deposit the type fund by stages in and can be classified as stock type, bond type, mixed type or the like.
Deposit the type fund in has the following advantages by stages: thus it can make time buying difference (cost is average) minimize the risk relevant with the time by the money of investing specific amount over a period to come in every month; It can be by using the risk of the unexpected fluctuation that reduces to relate in the liquid investment such as logics such as diversified investment, longterm investment, regular investment investment principle; It can seek maximum gain with stable manner by reducing average purchasing price; And the investor even without a lot of money also can invest.A lot of variants can be arranged, and for example you once deposit the product of the money of specific amount in a product, and perhaps you additionally deposit the product of the money of any number in a product, or the like.
Another example of indirect-investment-type financial product is a varying insurance.Varying insurance is sought the target insuring and invest simultaneously.Varying insurance is similar to and deposits the type fund by stages in, because concrete management company representative customer account management money.
Occur a kind of like this trend in the recent period, promptly consider the longterm investment product that is used to support parents such as indirect-investment-type financial products conducts such as depositing type fund and varying insurance in by stages.In addition, owing to have the more advantage of superior returns than the fixed interest products such as conventional installment such as bank, this way becomes more and more general in the investor.
Retired pay is another example of indirect-investment-type financial product.It is introduced into the substitute as traditional retired safeguards system.The disburser of retired pay product mainly is enterprise (employer).That is to say that enterprise regularly deposits the specific investment amount of money in for its employee, and gained is provided for the employee after the employee retire.Can design retired pay in two ways: fixed income (DB) plan and defined contribution (DC) plan.At DB in the works, pay the money of being scheduled to number from retired pay for the receiver, the burden of enterprise depends on the investment result and changes at this moment.But at DC in the works, the burden of enterprise is scheduled to, and receiver's payment is changed based on the investment result of accumulation.Generally speaking, the employee tends to the DB plan, and enterprise tends to the DC plan.Therefore, when decision retired pay type, may be difficult between enterprise and the employee thereof reach an agreement.
Except indirect-investment-type financial product, other financial products at the various investees outside the stock (for example film, real estate etc.) have also appearred recently.
Simultaneously, become more and more general with Credit Card Payments commodity and service.A lot of card issuer have appearred, card user wish to be provided with block use relevant various preferential.Therefore, now each credit card user all by having and to use several credits card to enjoy various preferential.For example, the user can use a plurality of cards to make preferential (for example shop discount, amusement park discount, airline miles, long-pending point etc.) maximization.Therefore, card issuer wishes to improve the utilization rate of the card of the card of its distribution rather than the distribution of other card issuer.Therefore, card issuer is devoted to improve the loyalty of client to the card of its distribution by the incentive plan that is suitable for customer demand.
Summary of the invention
First preferred aspect in, a kind of system that is used to manage indirect-investment-type financial product is provided, this system comprises:
Memory storage, the user storage that is used to the credit payment system is about the data of the use history of described credit payment system;
Be used for the described history of using is exchanged into the unit that uses point;
First delivery unit, the use point that is used for exchanging gained is sent at least one and uses some linked accounts; And
Second delivery unit is used for the use point of described exchange gained is sent at least one indirect-investment-type financial product from described at least one use point linked accounts.
Described second delivery unit can be sent to described at least one indirect-investment-type financial product with the use point of investing with described exchange gained.
Described use point linked accounts can be the disbursement account that is used for described credit payment system.
In second aspect, a kind of system that is used to manage indirect-investment-type financial product is provided, this system comprises:
Memory storage, the user storage that is used to the credit payment system is about the data of the use history of described credit payment system;
Be used for the described history of using is exchanged into the unit that uses point; And
Be used for and exchange the use point of gained and the unit that investment is sent at least one indirect-investment-type financial product.
Described indirect-investment-type financial product can comprise at least a product of selecting from following group: deposit type fund, retired pay product, varying insurance, real estate fund and packing account in by stages.
Described indirect-investment-type financial product is to deposit the type fund in by stages, and described investment comprises that the predetermined moon deposits number in by stages.
Described indirect-investment-type financial product can be the retired pay product, and the user of described credit payment system comprises that payment will be sent to the mechanism of at least a portion of the investment of described retired pay product, and described use history comprises the use of described mechanism.
The number of described investment can be based on the number of described use point and is changed.
The user of described credit payment system can also comprise will be by the individual of described retired pay production payment, and described use history also comprises described individual's use.
Described use point can be sent to described at least one indirect-investment-type financial product according to the user's of described credit payment system pre-defined rule.
Described pre-defined rule can be when the user to described credit payment system issues new credit payment system or be determined by described user when buying the investment product.
Described pre-defined rule can be used the transmission of predetermined use point number restriction to the use point of described at least one indirect-investment-type financial product.
In the third aspect, provide rate a kind of system that is used to manage indirect-investment-type financial product, this system comprises:
Memory storage is used to store about described financial product with about the member's of described financial product data; And
Be connected to the financial product administrative unit of described memory storage, be used to manage described financial product;
Wherein said financial product administrative unit receives the data about the account's of the described financial product that is transfused to each member investment, each member's investment is sued for peace to determine gross investment, reception is by investing the gained of acquisition with gross investment, described gained is exchanged into data about each member's financial product, and in described memory storage the storage described data, and
Wherein said investment is based on that the use point of the credit payment system that is linked to described financial product determines.
Described memory storage can also be stored the information relevant with described use point.
Described indirect-investment-type financial product can be to deposit the type fund in by stages, and the number of described investment is based on that to deposit number and described use point the predetermined moon in definite by stages.
Described indirect-investment-type financial product can be the retired pay product, and it is definite that the number of described investment is based on predetermined enterprise payment number and described use point.
In fourth aspect, a kind of managing concatenated system that arrives the credit payment system of at least one indirect-investment-type financial product that is used for is provided, this system comprises:
Be used to store unit about the data of the use history of described credit payment system; And
Be used for use history with described credit payment system and be exchanged into cash or be similar to the point of cash and described use point is sent at least one account's who is linked to described credit payment system unit,
Wherein to be invested the part of the investment the described indirect-investment-type financial product from the historical described use point formation of exchanging and being sent to described account of the use of described credit payment system.
Describedly use historical at least one that can be based in following group to determine: the use number of described credit payment system, about the user's of described credit payment system information, and the member shop of using described credit payment system.
Described use point can be provided rate to exchange from described uses is historical based on the predetermined point that uses, and described predetermined use point provides the rate can be according to total use number change of described credit payment system.
In aspect the 5th, provide a kind of managing concatenated system that arrives the account of at least one credit payment system and at least one indirect-investment-type financial product that is used for, this system comprises:
Be used to receive the unit from the transmission of the use point of the company of the described credit payment of management system, it is historical definite that described use point is based on the use of described credit payment system; And
Be used for determining to be sent to from described account based on the use point number that is transmitted the unit of the total charge of described indirect-investment-type financial product, the described use point number that transmits is based on that the use of described credit payment system is historical to be determined.
In aspect the 6th, provide a kind of managing concatenated system that arrives a plurality of accounts of at least one credit payment system and at least one indirect-investment-type financial product that is used for, this system comprises:
Be used for receiving at least one the unit of transmission of use point from the company that manages described credit payment system to described a plurality of accounts, described use point is based on that the use of described credit payment system is historical to be determined;
Be used for determining to be sent to from described account the unit of the total charge of described indirect-investment-type financial product based on the use point number that is transmitted at each described account, it is historical definite that the described use point number that transmits is based on the use of described credit payment system; And
Be used to calculate the unit of the amount of money sum that will transmit at all described accounts.
Described credit payment system can be a credit card, and described indirect-investment-type financial product is to deposit the type fund in by stages, and the described amount of money that will be transmitted comprises predetermined moon cumulative amount and based on the definite amount of money of the described use point number that transmits; And
The wherein said amount of money that will be transmitted allows also to comprise when needed the extra amount of money.
Described credit payment system is a credit card, and described indirect-investment-type financial product is the retired pay product, and the described amount of money that will be transmitted comprises the number of predetermined mechanism's burden and based on the definite amount of money of the described use point number that transmits.
Described credit payment system comprises enterprise's card of described mechanism.
The 7th aspect provides a kind of system that is used to manage indirect-investment-type financial product, wherein said indirect-investment-type financial product is linked to the credit payment system, the amount of money that is transfused to described indirect-investment-type financial product is determined that based on the use of described credit payment system this system comprises:
Be used for providing unit about the information of described indirect-investment-type financial product or described credit payment system via network.
Described indirect-investment-type financial product can comprise one or more products of selecting from following group: deposit type fund, retired pay product, varying insurance, real estate fund and packing account in by stages.
Described information about described indirect-investment-type financial product or described credit payment system comprises from one or more information in following group: the amount of money of importing described indirect-investment-type financial product; The current state of the investment income of described indirect-investment-type financial product; Based on the track record of the deposit of the historical decision of use of described credit payment system, and the intended investment gained.
Eight aspect provides a kind of method that is used to manage indirect-investment-type financial product, and this method comprises:
Be the user storage of credit payment system data about the use history of described credit payment system;
Described use history is exchanged into the use point;
The use point of exchanging gained is sent at least one uses the some linked accounts; And
The use point of described exchange gained is sent at least one indirect-investment-type financial product from described at least one use point linked accounts.
The 9th aspect provides a kind of method that is used to manage indirect-investment-type financial product, and this method comprises:
Be the user storage of credit payment system data about the use history of described credit payment system;
Described use history is exchanged into the use point; And
The use point and the investment of exchanging gained are sent at least one indirect-investment-type financial product.
The tenth aspect provides a kind of managing concatenated method that arrives the account of credit payment system and indirect-investment-type financial product that is used for, and this method comprises:
Reception is from the transmission of the use point of the company of the described credit payment of management system, and it is historical definite that described use point is based on the use of described credit payment system; And
Determine to be sent to from described account the total charge of described indirect-investment-type financial product based on the use point number that is transmitted, the described use point number that transmits is based on that the use of described credit payment system is historical to be determined.
The tenth provides a kind of system that is used to manage indirect-investment-type financial product on the one hand, and this system comprises:
Be used for from the outside unit that receives the transmission of using point of bank, the described point that uses is to obtain from historical exchange of use of described credit payment system as the user of credit payment system; And
Be used for the use point that is transmitted is sent to the unit of at least one indirect-investment-type financial product.
Described use point can comprise cash or be similar to the point of cash.
At least one embodiment of the present invention provides the system and method that is used to manage indirect-investment-type financial product, and wherein credit card uses and financial product is linked to each other, thereby provides bigger preferential to the user.In addition, the utilization rate of the card of their distribution can improve in credit card company, thereby improves customer loyalty, and financial product management company can guarantee more stable a large amount of clients.
By providing various about the state of indirect-investment-type financial product and the information of prospect, at least one embodiment of the present invention helps the Product Status that the client knows that they have bought and generates the pogo plan that is fit to oneself.
By credit card and indirect-investment-type investment product chain are connected together, can improve the loyalty of user to card company and investment product, and by providing the various information relevant with investing product to help the user more easily to work out pogo plan.In addition, because the accumulation point of card is exchanged into investment automatically,, card can not harassed the user by award in itself so using.
Description of drawings
With reference now to accompanying drawing, example of the present invention is described, wherein:
Fig. 1 represents the configuration of indirect-investment-type financial product management system according to the preferred embodiment of the invention;
Fig. 2 represents the structure of the banking data base that comprises in the indirect-investment-type financial product management system according to the preferred embodiment of the invention;
Fig. 3 shows the process flow diagram according to the step of the method for the indirect-investment-type financial product management of first embodiment of the invention;
Fig. 4 A is to the example of relevant with the investment product that will the be provided for the client according to the preferred embodiment of the invention information of 4C representative; And
Fig. 5 A is to other examples of relevant with the investment product that will the be provided for the client according to the preferred embodiment of the invention information of 5C representative.
Embodiment
With reference to figure 1, show the configuration of the indirect-investment-type financial product management system of first embodiment.For brevity, the embodiment that describes below is with to deposit the type fund in relevant by stages.But can expect, can use any indirect-investment-type financial product.The type that by stages deposits in the fund administration system of first embodiment is illustrated.This system comprises management company's server 100, terminal unit 120, bank server 130, banking data base 140, card corporate server 150 and card company database 160.Management company's server 100, terminal unit 120, bank server 130 and card corporate server 150 are connected to each other via network 170.Banking data base 140 is connected to bank server 130, and card company database 160 is connected to card corporate server 150.Network 170 comprises Local Area Network and wide area network (WAN) (such as but not limited to the Internet), can also comprise any other network.
Preferably, the use point that gives the user when the user uses credit card is exchanged into cash, and exchange the cash obtain as the part of investment be sent to that the user ordered such as deposit indirect-investment-type financial product such as type fund in by stages.Though described credit card, can expect, can use other credit payment systems.Bank shown in Figure 1 is the mechanism of selling indirect-investment-type financial product, and management company is the actual mechanism that invests and manage the investment of collecting by the help of sales company's (being bank).For point and cash flow, system shown in Figure 1 carries out following operation.
At first, except the function of carrying out the common credit card corporate server, card corporate server 150 also comprises a use point computing unit 151, and its calculates by card and uses the use point of generation and the value that storage computation goes out in card company database 160.Particularly, card corporate server 150 sends data to terminal unit 120 and bank server 130 and receives data from terminal unit 120 and bank server 130 via network 170; Update stored in the data in the card company database 160; And the everything that execution is used to the card management based on data, for example credit card to be used and authorize and payment and account management, described account management is included in when being requested card use authority and payment processes.In addition, some computing unit 151 is based on the use history and the settlement detail that are stored in the member in the card company database 160, according to providing credit card to use the pre-defined rule of point to calculate the use point.Use point (mileage) can be based on redemption amount or the exchange score (point) that payment amount of being undertaken by credit card and the use point of being scheduled to provide rate to calculate, and can comprise point or the redemption amount of determining according to other the whole bag of tricks.
When calculating use point (or redemption amount), can use following content: when the card use information (for example block the use number, use the product and the shop code that block purchase) of credit card user generation when blocking participation shop use card; User profile (for example gold card member, silver card member); Buy and whether between a promotional period, carry out, or the like.It is predetermined by card company using point calculating method, and can depend on the characteristic of policy, credit card of card company and class of subscriber and different.Can make in all sorts of ways, for example with the definite pro rata some number of card use number, accumulation doubles the point of general case, accumulates 1.2 times of points to general case for the gold card member during specific popularization activity, or the like.
Preferably, the use point that calculates as mentioned above is exchanged into cash according to pre-defined rule, and cash is sent to the bank account of card user appointment again.That is to say, if user's (for example when buying the investment product) in the time of distribution any during neocaine or before card is expired selects to use the option of a little converting to cash and sending it to bank account, then the point of card user is exchanged into cash and is sent to bank account.Generally occur in user Zhi Fuyu and use the relevant card of point to use after the number using point to be sent to bank account.In other words, this transmission occurs in card during one month and uses after number paid.Therefore, this transmission occurred in next month of purchase, perhaps under the situation of monthly payment plan card, occur in more late in.The mode of using point to be sent to bank account can there be variant.Under the situation that point exists with the form of the amount of money in the card company, the amount of money can be sent to bank account simply subsequently and need not any exchange.As fruit dot is noncash value form, then uses point to be exchanged into cash by card corporate server 150 or bank server 130.
The data of card company database 160 storage credit card users, it for example comprises basic personal information, credit card payment details, uses point data and uses point that rule (or part of foregoing) is provided, and can described data be sent to card corporate server 150 and bank server 130 in response to the request from card corporate server 150.Usually, card corporate server 150 is authorized more neocaine company database 160 at each clearing.The clearing mandate that card uses can be settled accounts authorized organization by the third party, and (for example Korea Credit-card Electronic-settlement Service Co. Ltd) carries out, the relaying mandate between card company and member shop of this mechanism.But this role who settles accounts authorized organization is well known in the art with settling accounts the system of authorizing, and therefore is not described in detail.
Function (for example managing the account of all-purpose bank, control card balance account etc.) except ordinary bank's server, bank server 130 also comprises investment delivery unit 131, and it is sent to indirect-investment-type financial product (after this calling " investment product ") to the cash that comes from a little that sends from card company according to the rule of consumer premise.For example, if the user determines to come from all cash investments that card uses point in the investment product, then invest delivery unit 131 and follow the tracks of the amount of money (from " coming from cash a little " of card company transmission) outside the cash in banks numbers from using point to exchange; And with its specific account who was sent to user's investment product in a day in for example every month.Deposit (month by stages deposit in) number at user's setting cycle by stages in and make and deposit in by the moon at special time by stages, come from a little cash and generally deposited in by stages and be transmitted with the moon by automatically when bank account transmits.The bank account that comes from cash a little from its transmission is all-purpose bank's deposit product normally, and investment product account (though it is sold and management by bank) is the product by management company's investment.If offer this two accounts in same bank, then the transmission from the former to the latter can freely be carried out.
The credit card of card company is linked to bank account, and the payment of credit card is extracted from this account.Bank server 130 and card corporate server 150 are carried out above-mentioned basic function, therefore omit and describe in detail.In addition, be set to and be sent to the account who is used to the card payment if come from the cash (coming from cash a little) that uses point, then relevant with credit card have money on deposit and withdraw deposit all can utilize single account to carry out, this is very easily for the user.
The user deposits number in definite moon to the investment product when ordering the investment product by stages, and can determine that accumulation extraly blocks the cash (coming from the cash of stuck point) that comes from a little in the investment product.At this moment, suppose that the user sets the account who transmits the investment product that by stages is deposited into bank's sale the moon from the his or her bank account that is linked to card automatically.The user makes that receive the bank account that comes from cash a little is deposited into the account who invests the product account identical (it also can be identical with the card balance account) moon with transmitting from it by stages.Deposit in by the moon with the cash that comes from a little by stages and can be sent to the investment product from described identical bank account simultaneously.If desired, the user can regulate the details of the transmission from bank account to investment product account.For example, the user can set rule, if the cash that wherein comes from a little is equal to or less than predetermined number, then all cashes that come from a little are sent to the investment product, if come from a little cash greater than predetermined number, then predetermined number is sent to the investment product.Investment delivery unit 131 among Fig. 1 is used such rule and is come the investment between account of management bank and the investment product account to transmit.
The investment product that investment management of product unit 132 management banks sell, and management is sent to the investment of investment product.That is to say that the investment that is sent to investment product account according to said method from the account of all-purpose bank is by 132 management of above-mentioned investment management of product unit.In addition, investment management of product unit 132 is based on the related data in the investment number renewal banking data base 140 that transmits.Investment management of product unit 132 is based on relevant with the investment product and be stored in information and executing bookkeeping in the banking data base 140, for example investment that by stages deposits in that deposits in of member, invests result's payment and providing of relevant information.Particularly, investment management of product unit 132 calculates total number of making an investment in this month in certain product by the investment of each user in the particular month is sued for peace, and should report to management company by total number then.Total number of management bank of management company report (with the investment till previous month), and convert the net assets worth net assets value that administrative institute gets to unit price, this unit price is reported to bank.Investment management of product unit 132 is each user's replacement investment product account's data.Particularly, it is the data of each user's replacement investment product, for example current unit price, deposits holder share number etc.Management company manages the investment of collecting on the whole in the investment product, and the report gained.Distribution and management to each user's gained are responsible for by bank, particularly are responsible for by investment management of product unit 132.But the role assignments between management company and the bank is not limited to the foregoing description, on the contrary, can carry out various modifications to it, needs only the bank management client and management company's management investment.
Investment that transmits except management and investment product account's the function, investment management of product unit 132 is also carried out and is generated, handles and provide function about the various information of investment product to the user.Investment management of product unit 132 can calculate and provide such as the past of each investment product and current yield, user till this time point the moon is deposited in by stages and comes from details that a little cash deposits the investment product in, by setting up with the deposit investment currency, user future finish the specific objective amount of money time point, be reach that specific objective need import month deposit by stages and come from a little information such as cash number in.That is to say that the bank of sale and management investment product not only provides the current state information of user's investment product, expection future value and the information that can be used as the basis of setting the pogo plan that forms required target number also are provided.
Therefore, investment management of product unit 132 can be based on being stored in the various data computation in the banking data base 140 and the above-mentioned information relevant with investment be provided, and described various data comprise and the use point that month deposits the relevant user data of number by stages in and obtain owing to the credit card use.These information relevant with investment can be sent to terminal unit 120 via network 170, so that be presented to the user.
Fig. 2 is an exemplary drawings of representing the structure of banking data base 140 in more detail.Banking data base 140 is connected to bank server 130, and stores each member's basic personal information 111 and everyone order investment product information 112.Banking data base 140 also provides information in response to the request from bank server 130 to bank server 130.Ordered under the situation of investing product more than the client, may exist more than an investment product information.Basic personal information 111 relates to the essential information about member's individual details, comprises name, citizen's number of registration, address, the main account information that uses etc.Order investment product information 112 and be the information of the product of having ordered about the client (for example by stages depositing type fund etc. in), comprising: about the information of ordering investment product itself (comprise title, month deposit in, deposit cycle, whether allow additionally to deposit etc.) by stages; And time-varying information, for example the currency of the surplus of client's investment product, about information of the investment number of an accumulation input or the like.For example, by the information of the investment number of exchanging about the use point that provides from the use according to the credit card that is connected to the investment product is provided, institute's canned data can be used to analyze client's the credit card use pattern investment result following with prediction.
In addition, except the data about client and order investment product, banking data base 140 is also stored the various data that are used for bookkeeping.Described various data comprise the investment income that information sends to management company, reflection obtains from management company among individual's investment product accounts of collecting investment, will investing total number from the client, or the like.In Fig. 2, various data are expressed as investment product database 116 roughly.Investment product database 116 can also comprise the various information relevant with the state of the investment product of doing as a whole (rather than individual account).
Preceding example illustrates bank server 130 and blocks corporate server 150 respectively by bank and card company management.But in some cases, bank can partially or completely carry out the stuck point management business relevant with card with other, therefore can change the function of bank server, card corporate server and Relational database.In addition, management company only is in charge of from the total number of investment of bank's reception and with gained and reports to bank, and the management investment product is not invested member's (opposite, this management is by bank's execution) of product with each.But in other embodiments, the role of bank, card company and management company can be different, and the function of each server and will be stored in the data in each database thereby can be different from first embodiment.For example, about the model of management company oneself sale and management investment product, the role of investment management of product unit 132 can be bonded in management company's server 100, and the data of banking data base 140 shown in Figure 2 can be stored in one side of management company.
Above example shows bank's situation identical with the bank with card balance account of selling the investment product, and this situation can make things convenient for the user.But, in some cases, the card balance account, come from the account that cash a little is sent to and invest the product account and can be distributed in more than in the bank.Under these situations, member's shown in Figure 1 role may change.For example, when the account's of the main use in having the A of bank that is used as the card balance account client orders the investment product of the B of bank sale, above-mentioned investment delivery unit 131 resides in the server of the A of bank, and investment management of product unit 132 is present in the server of the B of bank.
The system and method that is used to manage the indirect-investment-type product subscription procedure to the member of investment product is described with reference to the embodiment shown in Fig. 1 and 2.For brevity, this description relates to card company, bank and the management company type fund that by stages deposits in connected to one another.
Preferably, the member can order the financial product service via bank by online or off-line method.When ordering the fund product, bank (card company) can issue new credit card, perhaps can allow use to have credit card to depositing the type fund in after will having credit card applications family hyperlink request by stages.By doing like this, can in bank, offer new account for credit card payment, perhaps can use existing account for credit card payment.The member applies for ordering and basic personal information being provided, and definite name of product, month deposit in by stages, depositing the amount of money, payment period in, whether be linked to the use point when expiring, or the like.Then as shown in Figure 2, the above-mentioned data of banking data base 140 storages are as member's basic personal information 111 and order investment product information 112.Under the situation of distribution neocaine, banking data base 140 and card store credit card member's basic personal information, the information relevant with the credit card payment account in the company database 160, and invest the relevant information of product.On the other hand, under the situation of using existing card, except data with existing, the information relevant with the investment product is stored in banking data base 140 and the card company database 160.
Above example has been described and has been used point to be exchanged into cash, and cash is sent to bank from card company then.Next, cash also is sent to investment product account.Various other modifications can be arranged.For example, card corporate server 150 can directly will use point to be sent to investment product account, and does not transmit the step of cash to the card balance account of bank.
Preferably, card company independently is responsible for the money that payment will be invested, and this money is by according to using point to be cashed and being transfused to the investment product.That is to say, block company management's point, and take place fully in cash to the transmission of bank.But, in other embodiments, can make other sides also pay its part.Such selection and modification can be carried out based on the requirement of legal requiremnt and market angle.
Fig. 3 shows the process flow diagram of representative according to the process of the type that deposits in the financial product management method of first embodiment by stages.In Fig. 3, the operation in the step is to represent from the angle of member, bank server 130 and card corporate server 150 and management company's server 100.Particularly, left column is represented the operation that user (member of card or investment product) carries out; The operation that bank server and card corporate server 150 carry out is shown in middle tabulation; The operation that management company's server 100 carries out is shown in right tabulation.
Ordering the member after the step S300 of Fig. 3 is via credit card authorization device request credit card payment, card corporate server 150 reads the data about credit card user mode and credit standing that are stored in the card company database 160 at step S301, whether authorize credit card payment with decision, and under no problem situation, authorize clearing.As mentioned above, these functions can be settled accounts by the third party and be authorized relay facility to carry out.Then, mandate and the clearing used according to common procedure generation credit card, and data relevant in the neocaine company database 160 more with credit card use/clearing.
At step S302, relevant data and the use point of credit card use/clearing that be updated and the member that the some computing unit 151 that comprises in the card corporate server 150 reads in the card company database 160 provides rule; Calculate the use point based on reading of content; And the use that will calculate point is stored in the card company database 160.According to the pre-defined rule that provides credit card to use point, upgrade the use point based on use/settlement detail of credit card member.To use result of calculation a little to be exchanged in the example of actual cash, the card payment amount of supposing one month member is KRW 1,100,000, and some rate is provided is 1%, then the use of this moon name a person for a particular job be KRW 11,000 (=1,100,000*0.01).As mentioned above, the use point needs not be and blocks the proportional exchange number of use number, but can be the convertibility point that calculates with independent mode.In addition, use point to provide rate when program credit card product, to determine.In addition, can allow the member when participating in the investment service of goods, select or revise and use point that rule is provided.In addition, point provides rate to use number and upgrade based on member's card, for example uses number to become big along with card and improves and use point that rate is provided.When adopting this upgrading point that rate is provided, can in a lot of credits card that the user has, improve the utilization rate (wallet share) of the credit card that is linked to the indirect-investment-type product.
Next, at step S303, card corporate server 150 is carried out and will be sent to the subsequent process of member's bank account corresponding to the cash of member's use point.
At step S304, the investment delivery unit 131 of bank server 130 is transmitted in the cash that comes from the use point of step S302 transmission and is deposited into by the moon by stages invests the product account.At this moment, can in banking data base 140, store corresponding with it and step S302 calculate about using the data of point and redemption amount; Essential information, the user that can also store where necessary about the associated credit card provide the ratio of the use point payment between rule, the management company/bank/card company at the Credit Card Payments number of specific period, various information, the use point relevant with the transmission of carrying out at step S303, or the like.
The method of first embodiment is adopted in such a way, and wherein the member fixes depositing in by the moon of investment product account by stages, and is added to corresponding to the redemption amount of using point and deposited in fixing month by stages, thereby determines the gross investment number of this month.In this embodiment, fixedly deposit in by the moon of number by stages and can once be transmitted at step S304 corresponding to the number that uses point.For example, the type that by stages deposits in the fund product of ordering the user to deposit number in by the moon be KRW 200 by stages, 000, and the use of last month point is KRW 11,000 o'clock, corresponding to the KRW 11 that is paid as KRW 200,000 that deposits in by the moon and use point by stages, 000 and KRW 211,000 investment that is used as the user be sent to investment product account.Under example scenario, though member's payment in every month KRW 200,000, he or she can expect the extra returns corresponding to KRW 11,000 (using the historical use point that calculates based on his or her credit card).
Then, at step S305, bank server 130 is based on the investment product information in the amount of money renewal banking data base that transmits.
Next, at step S306, investment management of product unit 132 is ordered investment product information 112 for each member of investment product from banking data base 140 collections of upgrading; Calculate the gross investment number of this month; And gross investment number that will this moon sends to management company.
Management company is used for this gross investment number to invest, and gained is sent to bank server 130 at step S307 from management company's server 100.
At step S308, bank server 130 is handled the investment income that receives from management company, this investment income of reflection on each user's investment product information, and upgrade banking data base in view of the above.
With reference to figure 3, based on the method for the system description management investment product shown in Fig. 1 and 2.If the investment product for example is an insurance products, then introduce insurance company, if perhaps the role of bank, card company, insurance company etc. is with different shown in Fig. 1 and 2, process then shown in Figure 3 is correspondingly revised.The those of ordinary skill in investment product and system field thereof can be realized the details of these changes.
As mentioned above, relevant with investment product information can offered the user with various forms after sending to terminal unit 120 via network 170.Can comprising with the relevant information of investment product of being sent to terminal unit 120 deposits that number, card use point, total payoff, gross investment in every month, prospective earnings when expiring the moon in by stages, or the like.In addition, information, information, the expection to-be that can be included in so far input state, get about administrative institute with the relevant information of investment product from member's investment based on the decision of investment product performance, or the like.
Fig. 4 A can be output to the example of the information relevant with the investment product of terminal unit to the 4C representative.Fig. 4 B and 4C show about have the information that deposits shape fund product in the cycle that deposited in 5 years, 10 years and 15 years respectively by stages by stages.On behalf of one month different credits card, each Z-axis (for example in Fig. 4 A, KRW200K, 300K, 400K, 500K, 600K, 700K, 800K, 900K, 1000K) use numbers.Each transverse axis (for example in Fig. 4 A, KRW100K, 150K, 200K) is represented the different numbers that by stages deposit in by the moon.Each tabular has gone out at each card to use the accumulated amount (amount of money of being returned as gained after depositing by stages and come from cash a little the moon in the management investment product in) that will returned when expiring under the condition that by stages deposits in the number and the moon.For example in Fig. 4 A, suppose that every month payment KRW 100K deposited in as the moon by stages, used card consumption KRW 200K in every month, average return is 8%, and the some cumulative percentage is 1%.In this case, the cumulative amount when expiring in 5 years is KRW 7,494,639.Fig. 4 A shows to the example among the 4C and sets investment delivery unit 131 and safeguard and deposit in by the moon constant by stages and will deposit the method for increase corresponding to the number that uses some the moon by stages in.In addition, under the situation shown in the 4C, average return is 8% at Fig. 4 A, and it is 1% of credit card use history that the accumulation point provides rate.To shown in the 4C, can recognize that as Fig. 4 A owing to use number to increase the credit card moon, constant even the moon deposits in by stages, the member also can receive more accumulated amounts at a place that expires.Deposit number notice investment product member in by the expection when expiring under the various situations by stages, with above-mentioned example class seemingly, the user can set up the eligible investment plan.In addition, owing to be easy to distinguish, the loyalty that is linked to the card of investing product has been improved because card uses the difference of the accumulated amount that causes.
Fig. 4 A provides the prospective earnings that by stages deposit in the rate and the moon under the situation that is fixed as particular value to the 4C representative at earning rate, point.But, when the target amount of money is preestablished, be transfused to the investment product if the use point that deposits in specific amount of specific amount can also be shown by stages, then under the situation with the use point of specific amount of by stages depositing in of this specific amount, can realize the target amount of money after how long.
Fig. 5 A can be output to other examples of the information relevant with the investment product of terminal unit to 5C representative, and they are that the example that by stages deposits the cycle in is shown.Fig. 5 A, Fig. 5 B and Fig. 5 C show about deposit the information of type fund product in by stages, and the target that these products have KRW 10M, 50M, 100M respectively deposits number in by stages.Every month different credits card of each Z-axis (for example in Fig. 5 A, KRW 300K, 500K, 700K, 900K, 1000K) representative use numbers.The different moon of each transverse axis (for example in Fig. 5 A, KRW 100K, 150K, 200K) representative deposits number in by stages.It is the time of the realization target number of unit with cost with the year that each tabular has gone out.Here suppose that average return is 8%, the stuck point cumulative percentage is 1%.For example in Fig. 5 A, suppose to import every month KRW 100K and deposit in as the moon by stages, consume KRW 300K with card every month, and average return is 8%, and the some cumulative percentage is 1%.In this case, require payment 6 years 3 months, and receive accumulated amount KRW 10M at a place that expires.Fig. 5 A shows because credit card moon use number increases to 5C, and is constant even the moon deposits in by stages, also can receive specific accumulated amount at a place that expires with short time quantum.
Though Fig. 4 A shows some situations that certain information is provided to the user to 4C and 5A to 5C, can be not limited to this with the information that system provides, on the contrary, can provide different information with various forms.For example, can be provided under the fixing situation of target number, card use history and earning rate how to determine the information that the moon deposits in by stages to member (or potential member).Utilize this information, can set up the eligible investment plan that is suitable for themselves with the unfamiliar user of card who is linked to it the investment product.In addition, with the relevant information of investment product can be the information of the current state of the investment product ordered of reflection member.That is to say, can be based on the accumulation state of up to the present investment product and investment income (the current balance values of average return up to the present, investment product) etc., (for example provide regularly to the member, every month) updated information, for example realize the expectation payment number that deposits by stages, realizes the target number moon in of target number, or the like.That is to say that the value of describing to 4C and 5A to 5C with reference to Fig. 4 A is the variable value that can change according to current investment Product Status and investment income.Therefore, depend on the value that existing investment income of investing the product member changes, can help the member to set up the most accurate pogo plan by repeatedly providing.Utilize this information, can use the investment product in many ways, for example allow the member to surpass under the situation of predicted mean value or the user in earning rate and use card to consume under the situation of the more money of expecting when ratio begins, accent lacks with deposit in by the moon to a certain extent by stages in the period of remainder to allow the user.
When these are provided with the relevant information of investment product, can the customizing messages of the previous request of user be sent to the user via email, perhaps can allow user capture specific website (for example website of bank) and after the special delegated authority process, obtain information.
The foregoing description can have multiple modification.
At first, about the function of investment delivery unit 131, the number that the foregoing description has been described the investment number in a middle of the month or an actual input in the middle of the month depends on the use history of the credit card during month and the situation of change.But, there is such possibility in other embodiments, promptly be exchanged into the part of the investment number in a middle of the month, and all the other points are used to other purposes by the fixedly number in the use point of card payment generation.
Also there is multiple modification about bank's transmission.Transmit from certain accounts under the situation that by stages deposits in by the moon at special time in member's decision when order deposits the type financial product in by stages, bank server 130 can be provided at the appointed time transmit specified amount from designated account automatically.In addition, management system as follows:, transmit and occur in the member by using after terminal unit 120 checks that the information relevant with the investment product of this month and approval transmit, rather than transmit automatically at step S304.In this case, the member can transmit by using ARS, the Internet bank or telephone bank to carry out.In addition, can be after the draw bank account be set to loan account, under the account's who extracts the member who invests number from it the interim not enough situation of surplus, the investment delivery unit 131 that makes bank server 130 is from the transmission of this account execution to Automatic Loan.
The invention is not restricted to all comes from a little cash and is all deposited in a bank account and invested an investment product then.According to pre-defined rule, the cash that comes from a little can be assigned with and deposit in several bank accounts.In addition, according to certain rule, the deposit in each bank account can be assigned with and invest in several investment products.
In this case, except the information that above preferred embodiment is described, card company database 160 can also preferably include the tabulation of the bank account that the cash that comes from a little will be sent to, and the rule that is used for coming to the bank account distribution cash a little.
In addition, in this case, except the information that above preferred embodiment is described, banking data base 140 can also preferably include the tabulation of the investment product that investment will be sent to, and is used for the rule to the investment of investment product dispensation.The people that this list information and Rule Information can be had proper authorization changes and modification.In addition, can also in same investment product, deposit cash-point in from two or more cards rather than a card.
Indirect-investment-type financial product for example can comprise the indirect-investment-type financial product of real estate fund, REITs, packing account (wrap account), variable annuity, varying insurance, enterprise's retired pay and any other types.In addition, indirect-investment-type financial product can comprise having the free type fund that deposits the type that by stages deposits in the fund of number definite moon by stages in and allow random at any time number deposit.
Referring to figs. 1 to the sale of the 5 preferred embodiment representative investment products of describing and the situation that management is mainly undertaken by bank.But the present invention is not limited to this, and on the contrary, identical or similar role can play the part of in non-banking sector.That is to say that the foregoing description shows bank as selling investment product and the managing concatenated unit that arrives the account of financial product and credit card.But, also can play the part of this role such as the financial institution of other types such as insurance company.In addition, the role can be assigned to several financial institutions.For example, such decentralized configuration can be arranged, wherein bank management is linked to credit card so that receive the account who comes from cash a little, and insurance company management is used for the account of financial product, and cash etc. are transmitted between them.
For example, the varying insurance product is a kind of investment product, is a kind of indirect investment product simultaneously.Under the situation of varying insurance product, the most of role who is played the part of by bank in the foregoing description can play the part of in insurance company.That is to say that insurance company can sell goods, investment by management company of managing customer, managing customer data and product data, management, report gained to the client, and distribute gained for the client.In addition, under the situation of varying insurance, describe in the above-described embodiments except reference Fig. 1 and 2 with the relevant information of investment product, can also preferably introduce and insure several information that are associated.For example, except client's general personal information, insurance company's database can preferably be stored about medical history, whether smoking, information such as whether drive.In addition, can preferably store the information about beneficiary, amount insured, clearing option etc., these information can be determined by customer selecting or by the characteristic of product.To can be changed according to the characteristic of corresponding product by the data that system of the present invention stores and manages.
In addition, the dominant role of investment production marketing and customer account management can be played the part of by card company rather than insurance company.In other words, for example being linked to the financial product of credit card, variable annuity/insurance products can be waited by telemarketing by the publisher of credit card and sell.In this case, card company can introduce and sell the investment product when issuing card.Card company management is used to the data of card and investment product, though the investment product is actually the investment-orientation insurance products of insurance company.Deposit the investment of product in and can be preferably be used for investment by management company independently.In this case, on behalf of insurance company's merchandising, card company can be preferably because of obtain the commission of specific amount, and in addition, card company can provide higher some rate so that promote production marketing to the card holder.In this way, card company can guarantee extra income source (production marketing commission), and can improve the loyalty of card holder to the card of their distribution, uses number thereby improve card.Therefore, card company can provide the some rate higher than other cards.
Description is as the method and system that is used for retired pay of another example of indirect-investment-type financial product according to the present invention.Particularly, description is about the embodiment of DC type retired pay.
According to DC type retired pay, the payment of the enterprise of predetermined number regularly is accumulated among the account of the retired pay product (after this being called " retired pay product ") that will be managed, and this account is safeguarded by retired pay mechanism (for example bank and other financial mechanism).According to present embodiment, except predetermined enterprise's payment number, use the card that generates to use point to be exchanged into cash from enterprise's card, deposited in the retired pay account then.
For example can preferably have as shown in Figure 1 configuration according to the retired pay management system of present embodiment.
Here, some computing unit 151 comes to provide rule calculating to use point according to specified point based on the use/settlement detail that is stored in the enterprise's card that is linked to retired pay in the card company database 160.
The use point that calculates is exchanged into cash according to ad hoc rules.Then, the cash (coming from cash a little) of exchanging gained is sent to an account of appointed bank, is perhaps distributed to several bank accounts based on predetermined allocation rule.
According to the foregoing description, use the use point that generates to be accumulated in extraly the retired pay account from enterprise's card.But, the invention is not restricted to this.It should be understood by one skilled in the art that and much to change embodiment.For example, when having issued the personal credit card that is linked to the retired pay product to the employee, except use point, use the use point that generates also can be accumulated in employee's the retired pay account from the personal credit card from enterprise's card.
Though described credit card, can expect, also can use such as other means of payment such as cheque guarantee cards.In addition, though in an embodiment, cash is sent to bank etc. from card company, and point that is similar to cash or the like also can be transmitted.
It will be appreciated by those skilled in the art that and to change in a large number and/or revise the present invention shown in the specific embodiment, and do not break away from the present invention by broadly described scope or spirit.Therefore, these embodiment should be understood that it is illustrative and nonrestrictive fully.
Claims (32)
1. system that is used to manage indirect-investment-type financial product, this system comprises:
Memory storage, the user storage that is used to the credit payment system is about the data of the use history of described credit payment system;
Be used for the described history of using is exchanged into the unit that uses point;
First delivery unit, the use point that is used for exchanging gained is sent at least one and uses some linked accounts; And
Second delivery unit is used for the use point of described exchange gained is sent at least one indirect-investment-type financial product from described at least one use point linked accounts.
2. the system as claimed in claim 1, the use point that wherein said second delivery unit will be invested with described exchange gained is sent to described at least one indirect-investment-type financial product.
3. the system as claimed in claim 1, wherein said use point linked accounts are the disbursement accounts that is used for described credit payment system.
4. system that is used to manage indirect-investment-type financial product, this system comprises:
Memory storage, the user storage that is used to the credit payment system is about the data of the use history of described credit payment system;
Be used for the described history of using is exchanged into the unit that uses point; And
Be used for and exchange the use point of gained and the unit that investment is sent at least one indirect-investment-type financial product.
5. as claim 1 or 4 described systems, wherein said indirect-investment-type financial product comprises at least a product of selecting from following group: deposit type fund, retired pay product, varying insurance, real estate fund and packing account in by stages.
6. system as claimed in claim 4, wherein said indirect-investment-type financial product is to deposit the type fund in by stages, described investment comprises that the predetermined moon deposits number in by stages.
7. as claim 1 or 4 described systems, wherein said indirect-investment-type financial product is the retired pay product, the user of described credit payment system comprises that payment will be sent to the mechanism of at least a portion of the investment of described retired pay product, and described use history comprises the use of described mechanism.
8. as claim 1 or 4 described systems, the number of wherein said investment is based on the number of described use point and change.
9. system as claimed in claim 7, the user of wherein said credit payment system also comprises will be by the individual of described retired pay production payment, and described use history also comprises described individual's use.
10. as claim 2 or 4 described systems, wherein said use point is sent to described at least one indirect-investment-type financial product according to the user's of described credit payment system pre-defined rule.
11. system as claimed in claim 10, wherein said pre-defined rule is when the user to described credit payment system issues new credit payment system or is determined by described user when buying the investment product.
12. system as claimed in claim 10, the transmission of predetermined use point number restriction of wherein said pre-defined rule to the use point of described at least one indirect-investment-type financial product.
13. a system that is used to manage indirect-investment-type financial product, this system comprises:
Memory storage is used to store about described financial product with about the member's of described financial product data; And
Be connected to the financial product administrative unit of described memory storage, be used to manage described financial product;
Wherein said financial product administrative unit receives the data about the account's of the described financial product that is transfused to each member investment, each member's investment is sued for peace to determine gross investment, reception is by investing the gained of acquisition with gross investment, described gained is exchanged into data about each member's financial product, and in described memory storage the storage described data, and
Wherein said investment is based on that the use point of the credit payment system that is linked to described financial product determines.
14. system as claimed in claim 13, wherein said memory storage is also stored the information relevant with described use point.
15. system as claimed in claim 13, wherein said indirect-investment-type financial product is to deposit the type fund in by stages, and the number of described investment is based on that to deposit number and described use point the predetermined moon in definite by stages.
16. system as claimed in claim 13, wherein said indirect-investment-type financial product is the retired pay product, and it is definite that the number of described investment is based on predetermined enterprise payment number and described use point.
17. one kind is used for the managing concatenated system that arrives the credit payment system of at least one indirect-investment-type financial product, this system comprises:
Be used to store unit about the data of the use history of described credit payment system; And
Be used for use history with described credit payment system and be exchanged into cash or be similar to the point of cash and described use point is sent at least one account's who is linked to described credit payment system unit,
Wherein to be invested the part of the investment the described indirect-investment-type financial product from the historical described use point formation of exchanging and being sent to described account of the use of described credit payment system.
18. system as claimed in claim 17, wherein saidly use historical at least one that is based in following group to determine: the use number of described credit payment system, about the user's of described credit payment system information, and the member shop of using described credit payment system.
19. system as claimed in claim 17, wherein said use point is provided rate to exchange from described uses is historical based on the predetermined point that uses, and described predetermined use point provides the total use number change of rate according to described credit payment system.
20. one kind is used for the managing concatenated system that arrives the account of at least one credit payment system and at least one indirect-investment-type financial product, this system comprises:
Be used to receive the unit from the transmission of the use point of the company of the described credit payment of management system, it is historical definite that described use point is based on the use of described credit payment system; And
Be used for determining to be sent to from described account based on the use point number that is transmitted the unit of the total charge of described indirect-investment-type financial product, the described use point number that transmits is based on that the use of described credit payment system is historical to be determined.
21. one kind is used for the managing concatenated system that arrives a plurality of accounts of at least one credit payment system and at least one indirect-investment-type financial product, this system comprises:
Be used for receiving at least one the unit of transmission of use point from the company that manages described credit payment system to described a plurality of accounts, described use point is based on that the use of described credit payment system is historical to be determined;
Be used for determining to be sent to from described account the unit of the total charge of described indirect-investment-type financial product based on the use point number that is transmitted at each described account, it is historical definite that the described use point number that transmits is based on the use of described credit payment system; And
Be used to calculate the unit of the amount of money sum that will transmit at all described accounts.
22. as claim 20 or 21 described systems, wherein said credit payment system is a credit card, described indirect-investment-type financial product is to deposit the type fund in by stages, and the described amount of money that will be transmitted comprises the predetermined month cumulative amount and the amount of money of determining based on the described use point number that transmits; And
The wherein said amount of money that will be transmitted allows also to comprise when needed the extra amount of money.
23. as claim 20 or 21 described systems, wherein said credit payment system is a credit card, described indirect-investment-type financial product is the retired pay product, and the described amount of money that will be transmitted comprises the number of predetermined mechanism's burden and the amount of money of determining based on the described use point number that transmits.
24. system as claimed in claim 23, wherein said credit payment system comprise enterprise's card of described mechanism.
25. system that is used to manage indirect-investment-type financial product, wherein said indirect-investment-type financial product is linked to the credit payment system, the amount of money that is transfused to described indirect-investment-type financial product is determined that based on the use of described credit payment system this system comprises:
Be used for providing unit about the information of described indirect-investment-type financial product or described credit payment system via network.
26. system as claimed in claim 25, wherein said indirect-investment-type financial product comprises one or more products of selecting from following group: deposit type fund, retired pay product, varying insurance, real estate fund and packing account in by stages.
27. system as claimed in claim 25, wherein said information about described indirect-investment-type financial product or described credit payment system comprise from one or more information in following group: the amount of money of importing described indirect-investment-type financial product; The current state of the investment income of described indirect-investment-type financial product; Based on the track record of the deposit of the historical decision of use of described credit payment system, and the intended investment gained.
28. a method that is used to manage indirect-investment-type financial product, this method comprises:
Be the user storage of credit payment system data about the use history of described credit payment system;
Described use history is exchanged into the use point;
The use point of exchanging gained is sent at least one uses the some linked accounts; And
The use point of described exchange gained is sent at least one indirect-investment-type financial product from described at least one use point linked accounts.
29. a method that is used to manage indirect-investment-type financial product, this method comprises:
Be the user storage of credit payment system data about the use history of described credit payment system;
Described use history is exchanged into the use point; And
The use point and the investment of exchanging gained are sent at least one indirect-investment-type financial product.
30. one kind is used for the managing concatenated method that arrives the account of credit payment system and indirect-investment-type financial product, this method comprises:
Reception is from the transmission of the use point of the company of the described credit payment of management system, and it is historical definite that described use point is based on the use of described credit payment system; And
Determine to be sent to from described account the total charge of described indirect-investment-type financial product based on the use point number that is transmitted, the described use point number that transmits is based on that the use of described credit payment system is historical to be determined.
31. a system that is used to manage indirect-investment-type financial product, this system comprises:
Be used for from the outside unit that receives the transmission of using point of bank, the described point that uses is to obtain from historical exchange of use of described credit payment system as the user of credit payment system; And
Be used for the use point that is transmitted is sent to the unit of at least one indirect-investment-type financial product.
32. as any one described system in the claim 1,4,17,20,21 and 31, wherein said use point comprises cash or is similar to the point of cash.
33. as any one described method in the claim 28,29 and 30, wherein said use point comprises cash or is similar to the point of cash.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020050006295A KR20050018865A (en) | 2005-01-24 | 2005-01-24 | System and method for managing accumulative fund connected to the use of credit card |
| KR1020050006295 | 2005-01-24 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101124608A true CN101124608A (en) | 2008-02-13 |
Family
ID=36692007
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA200580047148XA Pending CN101124608A (en) | 2005-01-24 | 2005-12-22 | A system and method for managing an indirect-investment-type financial product |
Country Status (6)
| Country | Link |
|---|---|
| JP (1) | JP2008529116A (en) |
| KR (2) | KR20050018865A (en) |
| CN (1) | CN101124608A (en) |
| AU (1) | AU2005325478A1 (en) |
| TW (1) | TW200629113A (en) |
| WO (1) | WO2006077467A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108352096A (en) * | 2015-09-01 | 2018-07-31 | 威沃罗有限公司 | Liquidate system and method |
Families Citing this family (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100821851B1 (en) * | 2006-10-24 | 2008-04-14 | 주식회사 신한은행 | System and method for issuing and managing bank book, server for managing bank book |
| JP2009043007A (en) * | 2007-08-08 | 2009-02-26 | Csk Systms Corp | Point management apparatus, investment amount calculation apparatus, operation management apparatus, and point management program |
| US20110087532A1 (en) * | 2008-04-10 | 2011-04-14 | Garner William J | Venture fund investing points card |
| JP2010205256A (en) * | 2009-02-06 | 2010-09-16 | Mekiki:Kk | System and method for converting points linked with purchase using card transaction into annuity |
| KR101456920B1 (en) * | 2012-07-12 | 2014-10-31 | 주식회사 하나은행 | Saving execution apparatus, saving execution method and computer readable recording medium recording program for implementing the method |
| JP6817132B2 (en) * | 2017-04-11 | 2021-01-20 | 株式会社野村総合研究所 | Point operation system and point operation program |
| KR101993101B1 (en) * | 2018-12-07 | 2019-06-25 | 김재겸 | System for investing based on consumption, and method thereof |
| JP6899006B1 (en) * | 2020-01-20 | 2021-07-07 | プロパティエージェント株式会社 | Investment management methods, programs, recording media and investment management systems |
| KR20220012030A (en) | 2020-07-22 | 2022-02-03 | 조혜진 | Transparent Frame Reading Table |
| WO2022114889A1 (en) * | 2020-11-30 | 2022-06-02 | 주식회사 디셈버앤컴퍼니자산운용 | Point provision system and method |
| KR20220076354A (en) | 2020-11-30 | 2022-06-08 | 주식회사 디셈버앤컴퍼니자산운용 | A Reward Point Providing System and Method therefor |
| JP2021047916A (en) * | 2020-12-24 | 2021-03-25 | 株式会社野村総合研究所 | System, method, and program for point operation |
| JP7273081B2 (en) * | 2021-02-26 | 2023-05-12 | Ｌｉｎｅ株式会社 | program, information processing method, system |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6895386B1 (en) * | 1997-10-15 | 2005-05-17 | Citibank, N.A. | Stock credit card |
| WO2002065246A2 (en) * | 2001-02-12 | 2002-08-22 | Stockback Holdings, Inc. | Customer loyalty programs and systems and methods for such programs |
-
2005
- 2005-01-24 KR KR1020050006295A patent/KR20050018865A/en active Search and Examination
- 2005-12-08 TW TW094143383A patent/TW200629113A/en unknown
- 2005-12-13 KR KR1020050122397A patent/KR20060085565A/en not_active Application Discontinuation
- 2005-12-22 CN CNA200580047148XA patent/CN101124608A/en active Pending
- 2005-12-22 AU AU2005325478A patent/AU2005325478A1/en not_active Abandoned
- 2005-12-22 WO PCT/IB2005/003852 patent/WO2006077467A1/en not_active Application Discontinuation
- 2005-12-22 JP JP2007551761A patent/JP2008529116A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108352096A (en) * | 2015-09-01 | 2018-07-31 | 威沃罗有限公司 | Liquidate system and method |
| CN108352096B (en) * | 2015-09-01 | 2020-10-30 | 威沃罗有限公司 | Hedging system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| TW200629113A (en) | 2006-08-16 |
| KR20050018865A (en) | 2005-02-28 |
| KR20060085565A (en) | 2006-07-27 |
| JP2008529116A (en) | 2008-07-31 |
| WO2006077467A1 (en) | 2006-07-27 |
| AU2005325478A1 (en) | 2006-07-27 |
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