| 摘要 |
PURPOSE: A method for operating a cyber benefit club using the Internet is provided to overcome the limit of traditional benefit clubs and to form a benefit club without a risk of contract nonfulfillment by involving a bank. CONSTITUTION: If contents about the operation of a benefit club are posted in a bank Internet homepage, each client accesses the homepage, selects the amount of money and a time suitable for him, and applies for membership in the benefit club. All the members of the benefit club, except for the last member who gets his loan, make out their loan application forms at the bank window and submit them. The bank withdraws relevant money from each member's account at the working day before the first payday and deposits it to the first member's account. For a defaulter, the bank makes a loan based on his loan application submitted previously.
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