摘要 |
PURPOSE: A financial service system using the Internet is provided to let an operator of an Internet community constituted of many members use a financial system for financial management by opening a joint account in the Internet space. CONSTITUTION: The system comprises a joint account managing server(2) operated by a service provider having a real account in a bank, many clients(4) provided to the individuals registered as members, and a user database(10) operated by the service provider and stored with the personal information of the members and the information including a transaction history. The members deposit money in the joint savings account. The total money is operated by cooperative buying, investment in stocks or mutual funds via the joint account managing server. The profits and shares of financial operation are distributed to the members. The joint account managing server provides such on-line and off-line services as a consultation on cooperative investment, accounts, group insurance, a message for personal relations among members, and an event.
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