Abstract: A method of operating an online financial product corresponding to transaction at the order of a participation entry included in a Rotating Savings and Credit Association (RoSCA)-type online financial product includes receiving a search request message including search condition information for a desired financial product of a user from a user terminal; searching for a first matching financial product, which is a first financial product matching the search condition information among at least one first financial products that have been opened and are in progress; setting detailed information of a first virtual participation entry on the basis of detailed information of the vacant participation entry of the first matching financial product and the search condition information; and transmitting a search completion message including the detailed information of the first virtual participation entry to the user terminal. The method is performed in a financial service server.

Abstract: A method of operating an online financial product corresponding to transaction at an order of a participation entry included in a Rotating Savings and Credit Association (RoSCA)-type online financial product includes transmitting information of a target financial product including detailed information of a first participation entry to a first user terminal; receiving a first request message requesting partial participation in the first participation entry from the first user terminal; and allowing a first user corresponding to the first user terminal to participate as a first partial participant of the first participation entry on the basis of reception of the first request message. In this case, the target financial product includes a plurality of participation entries including the first participation entry. The method is performed in a financial service server.

Abstract: The present invention relates to a method of operating a financial service based on a financial product. The method includes: receiving, by a financial service server, a transmission request of the financial product-based financial application directly from a plurality user terminal or indirectly from the plurality user terminal through a relay server; transmitting, by the financial service server, the financial product-based financial application directly to the plurality user terminal or indirectly to the plurality user terminal through the relay server; and generating and providing, by the financial service server, the financial product including n (n is a natural number of two or more) participation entries to the plurality user terminal.

Abstract: The present invention relates to a method and a device for operating a P2P financial service on the basis of a stage, and a computer-readable recording medium. The method for operating a P2P financial service on the basis of a stage comprises the steps in which: a P2P financial service server receives a stage-based P2P financial application transmission request directly or indirectly via a relay server from a user device; and the P2P financial service server transmits the stage-based P2P financial application directly or indirectly via the relay server to the user device, wherein the stage-based P2P financial application is implemented for generating or participating in a stage on the basis of the user device, and the stage may include a plurality of stage participation spaces.