METHOD AND SYSTEM FOR DEPOSIT SERVICE GIVING VIRTUAL ACCUMULATION INTEREST

摘要

PURPOSE: A method and a system for a deposit service giving a virtual accumulation interest are provided to offer a customer using a demand deposit with the virtual accumulation interest matched with a contribution value instead of a deposit interest of a low rate. CONSTITUTION: A ledger management system(102) manages a ledge for interest-not-paid deposits. An interest management system(104) accumulates the interest for the interest-accrued deposits. An Internet banking system(108) pays an Internet banking fee from the accumulated virtual accumulation interest. Databases(114,116) are equipped with data for the ledgers and the interests. A web server(112) guides the customer connected through the Internet to the accumulation particulars for the virtual accumulation interest and controls each system in order to perform payment according to user's request.