A new type of financial trading model including a user terminal having an account application for storing a virtual cash blocks constructing the virtual cash, a service center installing the account application into the user terminal when the user requests product trade and conducting product trade by increasing or decreasing the virtual cash blocks stored into the account application based on an index change following time of a trading item after setting any one of a number of financial products that the index is being changed as time passed to the trading item according to a selection of the user, and a relay server receiving an index change data in real-time from a certified institution, which is used as a standard of product trade.