KR20210157767A - Systems and methods for financial management - Google Patents

Abstract

The present invention relates to a financial management system to provide customized information to financial customers and a financial management thereof. According to one embodiment of the present invention, the financial management system comprises: a financial consumer terminal requesting counseling and operation plans for financial management through a financial management platform; a financial expert terminal performing consulting on financial operation and management; and a financial management server providing the financial consumer terminal with a service corresponding to an artificial intelligence (AI) financial management service request and financial expert matching service request selected in the financial management platform. When the financial expert matching service is requested, the financial management server selects a verified financial expert who meets financial conditions or financial purpose of the financial consumer terminal on the basis of the consultation and operation management request of the financial consumer terminal; checks whether financial consultation from at least one selected and verified financial expert terminal is accepted; and connects the financial expert who has accepted the financial consultation and the financial consumer terminal. When the AI financial management service request is received, the financial management server generates an AI-based asset portfolio through a financial product composition and investment risk setting specified by the financial consumer terminal on the basis of the financial type, asset investment propensity, and financial position of a financial consumer registered by the financial consumer terminal and provides the AI-based asset portfolio to the financial consumer terminal, thereby automatically designing a future asset structure of the financial consumer.

Description

Financial management systems and methods {Systems and methods for financial management}

The present invention relates to a financial management system and method.

In general, financial management is used in two senses of Gwanghyup. Financial management in a broad sense includes a wide range of research fields including corporate finance, investment theory related to analysis and evaluation of asset investment, management of financial institutions and financial institution management, and part of monetary finance theory related to financial institutions and financial institutions.

On the other hand, financial management in a narrow sense is a sub-system of corporate management, which, along with personnel management, production management, marketing management, and accounting, rationally procures the funds necessary for a company to efficiently manage the company, and converts the procured funds into assets. It refers to a management function that invests in and manages it efficiently. In other words, financial management can be said to be an integrated management function that plans, executes and controls all business activities from an overall perspective through money.

Today, such financial management is not limited to corporations, and it is a reality that general individuals are increasingly interested in how they can efficiently manage and multiply their financial resources, and what is the best financial technique for me. to be.

On the one hand, as family values change, the values that were taken for granted that depend on children for old age are fading.

In addition, real investors do not only invest in one asset, but own a portfolio by investing in multiple assets. In a broad sense, a portfolio refers to a combination of assets, but in a narrow sense, it refers to a combination of financial assets such as stocks and corporate bonds traded on the stock market. Investors seek the best possible risk-return relationship when constructing a portfolio, just like investing in individual assets. Therefore, measuring the risk of the portfolio and calculating the expected return are the most important in selecting a portfolio.

However, in general, for financial management, an individual must be familiar with accounting standards, taxation, and various regulatory provisions, and must be well versed in asset management as well as have strategic thinking. In addition, information on various market indices, such as inflation, interest rates, stock index, real estate price index, exchange rate, crude oil price, economic growth rate, trade balance, consumer attitude index and unemployment rate, and information on the comprehensive financial taxation system, etc. must be secured. there were difficulties

Registered Patent Publication No. 10-0760062 “Financial consulting system and method through customer’s total asset analysis”

The problem to be solved by the present invention relates to a financial management system and method capable of solving the conventional problems.

Financial management system according to an embodiment of the present invention for solving the above problems is a financial consumer terminal for requesting counseling and operation plan for financial management through a financial management platform; a financial expert terminal that provides consulting on financial operation management and management; and a financial management server that provides a service corresponding to the AI financial management service request and the financial expert matching service request selected in the financial management platform to the financial consumer terminal, wherein the financial management server is , after selecting a verified financial expert that meets the financial condition or financial purpose of the financial consumer terminal based on the consultation and operation management request of the financial consumer terminal, financial consulting is provided from the selected at least one verified financial expert terminal Check whether to accept the transaction, connect the financial expert who has accepted the financial consulting and the financial consumer terminal, and when the AI financial management service request is received, the financial type of the financial consumer registered in the financial consumer terminal and Based on the asset investment propensity and financial condition, the AI-based asset portfolio is created and provided to the financial consumer terminal by setting the financial product composition and investment risk level specified by the financial consumer terminal to automatically design the financial consumer's future asset structure characterized in that

A financial management method according to an embodiment of the present invention for solving the above problems comprises the steps of selecting a consultation and operation management service method for financial operation management in a financial consumer terminal through a financial management platform; Supporting the financial management service corresponding to the AI financial management service request and the financial expert matching service request selected in the financial management platform from the financial management operation server to the financial consumer terminal, wherein the supporting step is the financial expert matching When a service is requested, at least one verified financial expert terminal that meets the financial condition or financial purpose of the financial consumer terminal is selected based on the consultation and operation management request of the financial consumer terminal, and then at least one verified financial expert terminal selected confirming whether to accept the financial consulting from It includes the step of creating a portfolio of AI asset management plan according to the above and providing it to the financial consumer terminal, and automatically designing the future asset structure of the financial consumer based on the investment risk or management risk specified in the financial consumer terminal.

By using the financial management system and method according to an embodiment of the present invention, financial consumers can search for an optimal financial expert to solve their financial problems, as well as professional content and consultation replies uploaded by financial experts This has the advantage of being able to receive customized information for financial consumers.

In addition, in the past, where they met with financial experts through personal connections or connections and provided financial planning advice, financial consumers use the financial management platform to evaluate various stages, such as consumer evaluation of professional qualifications, excellent professional content, and expert financial consulting results. Through the score and verification score, a financial expert with a high combined score can be selected, and free/paid financial consulting can be obtained through a matched financial expert, which can increase the satisfaction with the financial products you have subscribed to. there is

1 is a network configuration diagram of a financial expert evaluation system according to an embodiment of the present invention.
2 is a block diagram showing a detailed configuration of the financial management server shown in FIG.
3 is a block diagram showing the detailed configuration of the financial expert evaluation and matching server shown in FIG.
4 is a flowchart of a financial management method according to an embodiment of the present invention.
5 to 7 are exemplary diagrams of the types of portfolios supported by the financial management platform of the present application.
8 illustrates an example computing environment in which one or more embodiments disclosed herein may be implemented.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated, and one or more other features However, it is to be understood that the existence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded in advance.

The terms "about", "substantially", etc. to the extent used throughout the specification are used in or close to the numerical value when manufacturing and material tolerances inherent in the stated meaning are presented, and are intended to enhance the understanding of the present invention. To help, precise or absolute figures are used to prevent unfair use by unconscionable infringers of the stated disclosure. As used throughout the specification of the present invention, the term "step of (to)" or "step of" does not mean "step for".

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

Some of the operations or functions described as being performed by the terminal, apparatus, or device in the present specification may be performed instead of by a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means mapping or matching the terminal's unique number or personal identification information, which is the identification data of the terminal. can be interpreted as

Hereinafter, a financial management system and method according to an embodiment of the present invention will be described in more detail based on the accompanying drawings.

1 is a network configuration diagram of a financial management system according to an embodiment of the present invention, FIG. 2 is a block diagram showing a detailed configuration of the financial management server shown in FIG. 1, and FIG. 3 is a financial expert shown in FIG. It is a block diagram showing the detailed configuration of the evaluation and matching server, FIG. 4 is a flowchart of a financial management method according to an embodiment of the present invention, and FIGS. 5 to 7 are a type of portfolio supported by the financial management platform of the present invention. It is an example diagram.

1 to 7 , the financial management system 100 according to an embodiment of the present invention includes a financial consumer terminal 200 , a financial expert terminal 300 , and a financial management server 400 .

Each component shown in FIG. 1 is generally connected through a network. For example, the financial consumer terminal 200 and the financial expert terminal 300 communicate with the financial management server 400 through a network.

Here, the network refers to a connection structure in which information exchange is possible between each node, such as a plurality of terminals and servers, and examples of such networks include RF, 3rd Generation Partnership Project (3GPP) network, and Long Term (LTE). Evolution) network, 5th Generation Partnership Project (5GPP) network, WIMAX (World Interoperability for Microwave Access) network, Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, etc. include, but are not limited thereto.

In the following, the term at least one is defined as a term including the singular and the plural, and even if the at least one term does not exist, each element may exist in the singular or plural, and may mean the singular or plural. it will be self-evident In addition, that each component is provided in singular or plural may be changed according to embodiments.

The financial consumer terminal 200 may be a terminal of a financial consumer who requests financial operation management or financial/investment consulting using a financial consulting platform.

The financial consumer terminal 200 may select and provide current asset status information and a financial field (finance, real estate, investment, insurance, tax, etc.) to be consulted according to a preset asset status report of the financial consulting platform.

Meanwhile, the financial consumer terminal 200 may be a terminal that receives financial expert information suitable for the current financial situation or financial investment and financial management through a financial management platform (API) interworking with the financial management server 400 .

Here, the financial consumer terminal 200 may receive any one of an AI financial manager and a financial expert from the financial management server 400 to be described later.

For example, when a financial expert is requested from the financial consumer terminal 200, verification information verifying at least one or more financial experts matched by the financial management server 400 is also provided, and one or more of the at least one or more financial experts select

In addition, the financial consumer terminal 200 may be a terminal that receives a portfolio for financial management and management provided by a selected financial expert, and receives a financial operation management status report according to the portfolio on a regular basis.

In addition, the financial consumer terminal 200 may provide evaluation information that evaluates a financial expert based on financial status information according to the provided financial operation management status report, and may be a terminal that can share evaluation information through a community. .

On the other hand, the financial consumer terminal 200 is a terminal that receives AI financial management service through a financial management platform. A terminal that generates and provides an AI asset management plan portfolio according to the asset investment propensity of can

The financial consumer terminal 200 may be a terminal capable of executing a financial management platform (eg, a web page, an app page, a program or an application) provided by the financial management server 400 to be described later.

For example, the financial consumer terminal 200 may include a notebook computer, a desktop computer, a laptop computer, and the like. In addition, the consumer terminal 200, as a wireless communication device that guarantees portability and mobility, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone ), a smart pad, a tablet PC, and the like, may include all kinds of handheld-based wireless communication devices.

The financial management platform presented herein may include applications, programs, web pages, etc. installed or driven in a user terminal through a network. Here, the web browser is a program that enables the use of a web (World Wide Web) service, and means a program that receives and displays hypertext described in HTML (hyper text mark-up languge), for example, edge ( Edge), Explorer, Chrome, etc. In addition, the application means an application on a terminal, for example, includes an app (app) executed in a mobile terminal (smartphone). Apps can be downloaded and installed from the application market, a virtual marketplace where mobile content can be freely bought and sold.

Next, the financial expert terminal 300 is a customized financial management portfolio (eg, investment, retirement, insurance , real estate, tax, gift, inheritance, etc.) may be a terminal of a financial expert that provides.

The financial expert terminal 300 may be a terminal that provides consulting information performed in a specific financial field and basic data (history information and operation information) for evaluating professional competence.

In addition, the financial expert terminal 300 may be a terminal that provides risk information according to financial management together with a portfolio for a financial operation plan.

On the other hand, the financial expert terminal 300 is a terminal that provides simulation results (eg, financial asset performance evaluation prediction according to market data fluctuations, risk management prediction) of executing the portfolio designed in response to the request of the financial consumer terminal 200 can

On the other hand, the financial expert terminal 300 may be a terminal that provides an answer to a query of the financial consumer terminal 200, and may be a terminal that receives a predetermined reward when the corresponding answer is adopted.

In addition, the financial expert terminal 300 promotes the financial contents of the company to which the financial expert belongs for free or provides information on media media (eg, YouTube, blog, SNS, etc.) operated by the financial expert, According to the consulting evaluation result, the financial contents of the affiliated company provided by the financial expert evaluation and matching server 400 to be described later or the information of the media media (eg, YouTube, blog, SNS, etc.) operated by the financial expert are stored on the financial management platform. It may be a terminal requesting to be exposed to .

In addition, the financial expert terminal 300 exposes a certification mark (eg, AAA financial expert, best financial expert, etc.) suitable for the grade when the evaluation grade reaches a preset grade through evaluation of the financial expert It may be a terminal that does

The financial expert terminal 300 may include, for example, a laptop computer, a desktop computer, and a laptop computer. In addition, the consumer terminal 200, as a wireless communication device that guarantees portability and mobility, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, smartphone ), a smart pad, a tablet PC, and the like, may include all kinds of handheld-based wireless communication devices.

Next, the financial management server 400 connects the financial consumer terminal 200 with a verified financial expert who can provide an answer matching the query for the financial condition and financial management purpose presented by the financial consumer terminal 200 . It may be a configuration that allows (matching).

In addition, the financial management server 400 verifies the consulting capabilities of financial experts subscribed to the financial management service, sets a grade according to the verification result, and then provides a financial expert with a grade corresponding to the membership grade of the financial consumer terminal. It may be configured to match the consumer terminal.

In addition, the financial management server 400 may adjust the financial expert's rating and consulting cost based on the evaluation information evaluated by the financial consumer terminal 200 .

In addition, the financial management server 400 may analyze the accumulated consulting results of a plurality of financial experts during a preset period to adjust the financial consulting items (fields) of the financial experts.

In addition, when the financial expert's evaluation grade reaches a preset grade, the financial management server 400 promotes the financial contents of the company to which the financial expert belongs for free or a media medium operated by the financial expert (eg, YouTube , blog, SNS, etc.) may be configured to process information to be exposed on the banner window of the financial consulting platform.

In addition, the financial management server 400 may select a financial expert suitable for unique characteristics such as a financial consumer's disposition, age, occupational group, and the like, and connect it to the financial consumer.

In addition, the financial expert evaluation and matching server 400 may match individual or group financial experts according to the financial status of the financial consumer terminal.

More specifically, the financial management server 400 includes an AI financial management server 410 and a financial expert evaluation and matching server 420 .

The AI financial management server 410 creates an AI asset management plan portfolio according to the financial consumer's asset investment propensity and provides it to the financial consumer terminal, and based on the investment risk or management risk specified in the financial consumer terminal, the financial consumer It may be a configuration that automatically designs and provides the future asset structure of

The AI financial management server 410 sets asset types (eg, domestic bonds, foreign bonds, domestic stocks, foreign stocks, overseas emerging, alternative investment, structuring, insurance, new funds, etc.) based on the economic indicators announced every quarter. It provides risk management information about

In addition, the AI financial management server 410 may generate and provide an asset management plan report to which the risk management information is applied on a quarterly basis. Here, the asset management plan report may be data including the current asset allocation status, target asset allocation status, proposed asset allocation status, and the like.

Next, the financial expert evaluation and matching server 420 selects a verified financial expert that meets the financial condition or financial purpose of the financial consumer terminal based on the consultation and operation management request of the financial consumer terminal, and then selects It may be configured to confirm whether or not to accept financial consulting from at least one or more verified financial expert terminals, and to match and connect between the financial experts who have accepted the financial consulting and the financial consumer terminals.

The financial expert evaluation and matching server 420 includes a financial consumer management unit 421, a financial expert management unit 422, a verification unit 423, a search and extraction unit 424, a financial expert competency analysis and evaluation unit 425, It may include a matching unit 426 and a public relations unit 427 .

The financial consumer management unit 421 receives and manages essential information required for financial management and investment in financial products from the financial consumer terminal 200 using the financial management platform.

The financial expert management unit 422 registers and manages consulting history information according to the financial field of verified financial experts who want to use the financial consulting matching service of the present application. Here, the verification of the financial experts is performed through the verification unit 423 to be described later.

Here, a financial expert is an employee of a financial company that sells or consults various financial products with professional qualifications in financial planning or finance, taxation, real estate, investment, and insurance, or who acquires professional qualifications in the relevant field and sells financial products Financial planners, insurance solicitors, securities investment advisors, fund investment advisors, loan solicitors, credit card solicitors, as well as professional qualifications in asset management fields such as real estate, taxation, investment, and retirement planning, who are engaged in professional services related to personal financial planning refers to a person

Next, the verification unit 423 may be configured to verify the consulting capability of the financial expert and the presence or absence of legal defects.

The verification unit 423 first verifies the financial expert based on historical information such as the financial expert's consulting history, consulting cumulative evaluation, certificate of qualification, and employment certificate of affiliated organization, and confirms whether the qualification is valid with the consent of the financial expert. After making a request to an institution or a related organization, after performing a secondary verification of the request result, it may be configured to set a membership level according to the verification result or to restrict membership registration.

On the other hand, the verification unit 423 may collect personal financial information, income information, credit information, health information, etc., under the consent of the financial consumer when the financial consumer joins as a member, and use it for financial consulting.

For example, when the verification unit 423 intends to verify the financial condition of the financial consumer, it may be verified based on the personal information of the financial consumer collected through an open API of a credit information source or a public institution.

Next, the search and extraction unit 424 may be configured to search and extract from a database a financial expert having consulting capability that is related to a query word input from the financial consumer terminal or has a keyword in a similar range.

The search and extraction unit 424 refines unstructured data, structured data, and semi-structured data included in the stored raw data in order to construct big data, and classifies them into metadata It is possible to perform pre-processing including, and analysis including data mining (Data Mining) can be performed on the pre-processed data. Then, the analyzed data can be visualized and output. At this time, data mining is a classification that predicts a new data class by learning a training data set with a known class by exploring the inherent relationship between preprocessed data, or grouping data based on similarity without class information. clustering) can be performed. Of course, various other mining methods may exist, and mining may be performed differently depending on the type of big data to be collected and stored or the type of query to be requested later. Big data constructed in this way can be verified through artificial neural network deep learning or machine learning.

At this time, the artificial neural network can use a convolutional neural network (CNN) structure, which is a network structure using a convolutional layer and is suitable for image processing. because it can

In addition, text mining is a technology for the purpose of extracting and processing useful information from non/semi-structured text data based on natural language processing technology. Through text mining technology, it is possible to extract meaningful information from a large collection of texts, to understand the linkage with other information, to find the category of text, or to obtain results beyond simple information search. Using this, in the secure transaction service according to an embodiment of the present invention, large-capacity language resources and statistical and regular algorithms can be used to analyze an identifier or natural language input as a query, and to discover hidden information therein.

In addition, the collected big data, raw data, is stored in parallel and distributed, and unstructured data, structured data and semi-structured data included in the stored raw data are refined and , it is possible to perform pre-processing including classification as metadata, and perform analysis including data mining on the pre-processed data to visualize and output the analyzed data.

Next, the financial expert competency analysis and evaluation unit 450 calculates an individual consulting index based on the information provided by the financial expert terminal (consulting information for each financial field, basic data (history information) for evaluating professional competence, etc.) , after calculating the job inference score according to the online competency inference interview, analyze (calculate) the consulting business grade of the financial expert based on the result calculated by the product of the consulting index and the job inference score.

In addition, the financial expert competency analysis and evaluation unit 425 applies an ontology-based rule algorithm to the asset management results executed with the financial management plan portfolio of financial consumers provided for a preset period, so that the financial expert's suitability for each field and business growth potential can be inferred.

As an example, as an example, the ontology-based rule may be a Semantic Web Rule Language (SWRL) rule. SWRL is a rule language developed to infer the user's experiential knowledge that is difficult to derive from Axiom-based rules.

It is a rule expression language that integrates the language Unary/Binary Datalog RuleML. SWRL, like most rules, can be defined as a pair structure of condition and result. Since Body and Head can have more than one atom, the logical product of atoms (And) is used.

In addition, the financial expert competency analysis and evaluation unit 425 may perform evaluation on five items, such as qualifications possessed, career, professional knowledge level, consulting ability, and customer satisfaction.

1) Evaluation of holding qualifications

① Professionalism/difficulty of holding qualifications (national qualifications/private qualifications)

② Number of qualifications held

2) Career evaluation

① Experience period in the relevant field of expertise

② Quantitative evaluation of performance such as awards/training completion in the relevant specialized field

3) Expert knowledge evaluation

① Quantitative level of professional content of experts registered in the system

②Quality level of professional content

③ Expert knowledge verification online test: Evaluation according to the application rate and result score

4) Consulting ability evaluation

① Number of online consulting

② Number of offline consulting

5) Customer evaluation

① Consulting consulting customer satisfaction evaluation

② Customer-specific evaluation of expert content

③ Number of recommendations for experts

Experts can be verified through the above five evaluation items, the experts are ranked according to the evaluation scores, and financial experts can be recommended to financial consumers based on the ranking according to the financial consumer's counseling field.

Next, the matching unit 426 may be configured to match at least one financial expert extracted by the search and extraction unit 424 with a financial consumer terminal.

When the evaluation grade of the financial expert reaches the preset grade, the publicity unit 427 promotes the financial contents of the company to which the financial expert belongs for free or media media operated by the financial expert (eg, YouTube, blog, SNS, etc.) may be configured to process information to be exposed on the banner window of the financial consulting platform.

4 is a flowchart illustrating a financial management method according to an embodiment of the present invention.

Referring to FIG. 4 , in the financial management method ( S700 ) according to an embodiment of the present invention, when a financial consumer terminal selects a consultation and operation management service method for financial operation management through a financial management platform, the financial management operation server and supporting the financial management service corresponding to the AI financial management service request and the financial expert matching service request selected in the financial management platform to the financial consumer terminal.

Here, in the supporting step, when the financial expert matching service is requested, on the basis of the consultation and operation management request of the financial consumer terminal, after selecting a verified financial expert that meets the financial condition or financial purpose of the financial consumer terminal , confirming whether to accept financial consulting from at least one or more verified financial expert groups selected, matching between the financial experts who accepted the financial consulting and the financial consumer terminal, and requesting the AI financial management service Upon receiving this, an AI asset management plan portfolio is created according to the asset investment propensity of the financial consumer and provided to the financial consumer terminal, and the future asset structure of the financial consumer is determined based on the investment risk or management risk specified by the financial consumer terminal. It may consist of a step of automatically designing.

More specifically, when a financial consumer terminal requests a question answer or management for asset management, the financial expert evaluation and matching server 400 provides query information input from the financial consumer terminal or a verified asset expert that meets the asset management purpose. of consulting history and rating, and request the consulting cost or asset management cost of the verified asset expert to the financial consumer terminal.

After that, when the consulting cost of the asset expert or the asset management cost is settled in the financial consumer terminal, a 1:1 asset management interface is opened between the financial expert terminal and the financial consumer terminal.

Thereafter, the financial consumer terminal 200 receives a Q&A on financial management or an asset management management service through the opened 1:1 asset management management interface to the financial expert terminal.

Here, the asset management service refers to a service provided with asset management plan information that meets the financial management goals of financial consumers based on preset asset changes or asset growth/decrease status of financial consumers.

Thereafter, financial consumers receive quarterly asset management results executed according to the asset management plan information, and provide the evaluation results of operational evaluation by financial experts.

The financial management system 400 adjusts the grade and number of financial experts based on the evaluation result evaluated by the financial consumer terminal.

In addition, the financial management server 400 adjusts the financial expert's rating and consulting cost based on the evaluation information evaluated by the financial consumer terminal 200 .

In addition, the financial management server 400 analyzes the accumulated consulting results of a plurality of financial experts for a preset period, and adjusts the financial consulting items (fields) of the financial experts.

In addition, when the financial expert's evaluation grade reaches a preset grade, the financial management server 400 promotes the financial contents of the company to which the financial expert belongs for free or a media medium operated by the financial expert (eg, YouTube , blog, SNS, etc.) are processed to be exposed on the banner window of the financial consulting platform.

Therefore, according to the financial expert evaluation system and the financial expert evaluation and matching method using the same according to an embodiment of the present invention, the financial consumer can search for an optimal financial expert to solve his or her financial problems, as well as a financial expert It has the advantage of being able to receive customized financial consumer services through professional content uploaded by

In addition, evaluation scores and verification at various stages, such as consumer evaluation of professional qualifications, excellent professional content, and expert financial consulting results, through the financial management platform, instead of meeting a financial expert through personal connections or ties and consulting on financial planning. Through the score, financial consumers can select a financial expert with a high combined score, and since it allows them to receive free/paid financial consulting through a matched financial expert, the effect of increasing satisfaction with the financial products they subscribe to there is

8 is a diagram illustrating an example computing environment in which one or more embodiments disclosed herein may be implemented, and is an illustration of a system 1000 including a computing device 1100 configured to implement one or more embodiments described above. shows For example, computing device 1100 may be a personal computer, server computer, handheld or laptop device, mobile device (mobile phone, PDA, media player, etc.), multiprocessor system, consumer electronics, minicomputer, mainframe computer, distributed computing environments including any of the aforementioned systems or devices, and the like.

The computing device 1100 may include at least one processing unit 1110 and a memory 1120 . Here, the processing unit 1110 may include, for example, a central processing unit (CPU), a graphic processing unit (GPU), a microprocessor, an Application Specific Integrated Circuit (ASIC), Field Programmable Gate Arrays (FPGA), etc. and may have a plurality of cores. The memory 1120 may be a volatile memory (eg, RAM, etc.), a non-volatile memory (eg, ROM, flash memory, etc.), or a combination thereof. Additionally, computing device 1100 may include additional storage 1130 . Storage 1130 includes, but is not limited to, magnetic storage, optical storage, and the like. The storage 1130 may store computer readable instructions for implementing one or more embodiments disclosed herein, and other computer readable instructions for implementing an operating system, an application program, and the like. Computer readable instructions stored in storage 1130 may be loaded into memory 1120 for execution by processing unit 1110 . Computing device 1100 may also include input device(s) 1140 and output device(s) 1150 .

Here, the input device(s) 1140 may include, for example, a keyboard, mouse, pen, voice input device, touch input device, infrared camera, video input device, or any other input device, or the like. Also, the output device(s) 1150 may include, for example, one or more displays, speakers, printers, or any other output device, or the like. Also, the computing device 1100 may use an input device or an output device included in another computing device as the input device(s) 1140 or the output device(s) 1150 .

Computing device 1100 may also include communication connection(s) 1160 that enable computing device 1100 to communicate with another device (eg, computing device 1300 ).

Here, communication connection(s) 1160 may be a modem, network interface card (NIC), integrated network interface, radio frequency transmitter/receiver, infrared port, USB connection, or other for connecting computing device 1100 to another computing device. It may include interfaces. Also, the communication connection(s) 1160 may include a wired connection or a wireless connection. Each component of the above-described computing device 1100 may be connected by various interconnections such as a bus (eg, peripheral component interconnection (PCI), USB, firmware (IEEE 1394), optical bus structure, etc.) and may be interconnected by a network 1200 . As used herein, terms such as "component," "system," and the like, generally refer to a computer-related entity that is hardware, a combination of hardware and software, software, or software in execution.

For example, a component can be, but is not limited to being, a process running on a processor, a processor, an object, an executable, a thread of execution, a program, and/or a computer. For example, both an application running on a controller and a controller may be a component. One or more components may reside within a process and/or thread of execution, and a component may be localized on one computer or distributed between two or more computers.

In the above, the present invention has been described in detail with reference to the embodiments, but those of ordinary skill in the art to which the present invention pertains may make various substitutions, additions and modifications within the scope not departing from the technical spirit described above. Of course, it should be understood that such modified embodiments also fall within the protection scope of the present invention as defined by the appended claims below.

100: Financial expert evaluation and matching system
200: financial consumer terminal
300: financial expert terminal
400: financial operation management server
410: AI financial management processing server
420: financial expert evaluation and matching server
421: Financial Consumer Management Department
422: Financial Expert Management Department
423: Verification unit
424: search and extraction unit
425: Financial expert competency analysis and evaluation department
426: matching unit
427: Public Relations Department

Claims (10)

Financial consumer terminals that request counseling and operation plans for financial management through the financial management platform;
a financial expert terminal that provides consulting on financial operation management and management; and
A financial management server that provides a service corresponding to the AI financial management service request and the financial expert matching service request selected on the financial management platform to the financial consumer terminal,
The financial management server
When the financial expert matching service is requested, a verified financial expert that meets the financial condition or financial purpose of the financial consumer terminal is selected based on the consultation and operation management request of the financial consumer terminal, and then at least one selected verification Confirming whether to accept the financial consulting from the financial expert terminal, and connecting the financial expert who accepted the financial consulting and the financial consumer terminal;
When the AI financial management service request is received, the AI-based A financial management system that automatically designs the future asset structure of the financial consumer by creating an asset portfolio and providing it to the financial consumer terminal.
According to claim 1,
The financial expert evaluation and matching server
A financial management system, characterized in that the grade of the financial expert and the number of allocations to financial consumers are determined based on the consulting history data and consulting success case data provided by the financial expert terminal.
According to claim 1,
The financial expert evaluation and matching server
A financial management system that adjusts the financial expert's rating and consulting cost based on the financial expert evaluation information evaluated by the financial consumer terminal.
According to claim 1,
The financial expert evaluation and matching server
A financial management system that analyzes the accumulated consulting results (success cases) of multiple financial experts during a preset period and adjusts the financial consulting items (fields) of financial experts set at the time of membership registration.
According to claim 1,
The financial expert evaluation and matching server
When the evaluation grade of the financial expert reaches the preset grade, the financial expert's financial contents are promoted free of charge or information from the media media (either YouTube, blog, or SNS) operated by the financial expert A financial management system that processes to be exposed on the banner window of the financial consulting platform.
selecting a consulting and operation management service method for financial operation management in a financial consumer terminal through a financial management platform;
Supporting the financial management service corresponding to the AI financial management service request and the financial expert matching service request selected in the financial management platform from the financial management operation server to the financial consumer terminal,
The supporting steps are
When the financial expert matching service is requested, a verified financial expert that meets the financial condition or financial purpose of the financial consumer terminal is selected based on the consultation and operation management request of the financial consumer terminal, and then at least one selected verification confirming whether to accept the financial consulting from the financial expert terminal, and matching between the financial expert who accepted the financial consulting and the financial consumer terminal; and
When the AI financial management service request is received, an AI asset management plan portfolio is created according to the asset investment propensity of financial consumers and provided to the financial consumer terminal, and based on the investment risk or management risk specified by the financial consumer terminal, the financial A financial management method comprising the step of automatically designing a consumer's future asset structure.
7. The method of claim 6,
The matching step is
Financial management method comprising the step of determining the grade of the financial expert and the number of allocations to financial consumers based on the consulting history data and consulting success case data provided by the financial expert terminal.
7. The method of claim 6,
The matching step is
Financial management method comprising the step of adjusting the financial expert's rating and consulting cost based on the financial expert evaluation information evaluated by the financial consumer terminal.
7. The method of claim 6,
The matching step is
A financial management method comprising the step of analyzing the accumulated consulting results (success cases) of a plurality of financial experts during a preset period and adjusting the financial consulting items (fields) of financial experts set at the time of membership registration.
7. The method of claim 6,
The matching step is
When the evaluation grade of the financial expert reaches the preset grade, the financial content of the company to which the financial expert is affiliated is promoted free of charge, or information from the media media operated by the financial expert (eg, YouTube , blog, SNS, etc.) A financial management method comprising the step of publicity processing to be exposed on the banner window of the financial consulting platform.

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