SYSTEM PROVIDING FOR A MUTUAL FINANCING ASSOCIATION SERVICE AND METHOD THEREOF

摘要

The present invention relates to a system and a method for providing an online mutual financing association service. The system for providing an online mutual financing association service comprises: a plurality of user terminals; a mutual financing association operating server to provide each user terminal with a mutual financing association service to operate a mutual financing association to process the mutual financing association; and a financial server linked to the mutual financing association operating server to perform an association money deposit/withdrawal service of an association bankbook for each mutual financing association managed by the mutual financing association operating server. The mutual financing association operating server opens a mutual financing association room in accordance with an association money investment period, a monthly association money investment amount, an association money transfer date, and an association money expiration amount, selects an association member requesting a lowest bid expiration amount among association members participating in bidding in the mutual financing association room within a prescribed bidding period as a winning association member, is linked to the financial server to provide a service to transfer the lowest bid expiration amount to an account of the winning association member on a prescribed transfer date, and provides a service to evenly distribute an amount remaining after subtracting the lowest bid expiration amount from an association money expiration amount set by the winning association member to remaining association members who have not won a bid in accordance with the number of the association members to be paid as interest accumulation money to resolve transparency and anxiety about principal guarantee which are problems of a traditional mutual financing association and safely receive requested successful bid money by determining an amount and an order in a bidding manner.