KR20230009001A - Method, computer device, and computer program to provide financial product with combined share function - Google Patents

Abstract

Disclosed are a method, computer device, and computer program for providing a financial product incorporating a sharing function. The method of providing a financial product includes the steps of: transmitting content related to the financial product to an SNS platform for posting as a post when an account for a financial product is opened at the request of a user; receiving, from the SNS platform, activity information of at least one other user on the post containing the content; and displaying a breakdown of the account based on the activity information.

Description

METHOD, COMPUTER DEVICE, AND COMPUTER PROGRAM TO PROVIDE FINANCIAL PRODUCT WITH COMBINED SHARE FUNCTION}

The following description relates to a technology for providing a financial service associated with a social network service (SNS).

Social media is an open online platform that can share individual thoughts, opinions, experiences, information, etc. on the basis of SNS and create or expand relationships with others. Such social media forms an organic relationship between users, so that the relationship between production and consumption is not one-sided, and through bi-directionality, users voluntarily participate and share to distribute content.

As such, as SNS spreads throughout society, it is used for the purpose of sharing information among groups with common interests, and the range of use is expanding to a wide range of social areas.

In the field of finance, Internet banking services and simple payment services are provided in connection with SNS. For example, Korea Patent Publication No. 10-2014-0003270 (published on January 9, 2014) discloses a technology that allows users to immediately process banking transactions between users while using SNS messengers. has been

According to the opening of a financial product, a post of contents corresponding to the opening contents can be automatically shared on SNS.

Additional interest rates can be provided for the financial product when the activity for posts on SNS reaches the target condition.

A profile of a user with an activity history for posts on SNS may be displayed in the details of the corresponding financial product.

Subsequent posts of related content can be automatically shared on SNS at the time of achievement and expiration of the challenge of a financial product.

A method for providing a financial product executed on a computer device, the computer device including at least one processor configured to execute computer readable instructions included in a memory, the method for providing a financial product, by the at least one processor , Transmitting content related to the financial product to the SNS platform for posting as a post on the SNS platform as the account of the financial product is opened at the user's request; receiving, by the at least one processor, activity information of at least one other user for the post including the content from the SNS platform; and displaying details of the account based on the activity information by the at least one processor.

According to one aspect, the displaying may include displaying a profile of the other user having an activity history for the post in the details of the account.

According to another aspect, the displaying may include displaying a challenge progress status of the financial product based on the activity information in the details of the account.

According to another aspect, the displaying may include providing a reminder notification for the account according to the challenge progress of the financial product.

According to another aspect, the financial product providing method may further include performing, by the at least one processor, target authentication for a challenge set for the financial product based on the activity information.

According to another aspect, the performing may include providing an interest rate benefit to the account when the activity information meets a challenge target condition of the financial product.

According to another aspect, the interest rate benefit may be determined as a differential interest rate according to the activity information.

According to another aspect, the financial product providing method may include, by the at least one processor, content to be posted as a follow-up post according to achievement of a challenge when the activity information achieves a challenge target condition of the financial product. A step of transmitting to an SNS platform may be further included.

According to another aspect, the financial product providing method includes transmitting, by the at least one processor, content to be posted as a follow-up post according to the maturity of the account to the SNS platform at the time of reaching maturity of the account. can include more.

According to another aspect, the transmitting may include determining the content according to an account opening purpose set by the user for the account.

Provided is a computer program stored in a computer readable recording medium to execute the financial product providing method on the computer device.

A computer device, comprising at least one processor configured to execute computer readable instructions contained in a memory, wherein the at least one processor posts a post on an SNS platform when an account of a financial product is opened at a user's request. a content transmission unit for transmitting content related to the financial product to the SNS platform; an activity information receiver configured to receive activity information of at least one other user for the post including the content from the SNS platform; and a details display unit for displaying details of the account based on the activity information.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram illustrating an example of a computer device according to one embodiment of the present invention.
3 is a diagram illustrating an example of components that may be included in a processor of a computer device according to an embodiment of the present invention.
4 is a flowchart illustrating an example of a method that can be performed by a computer device according to an embodiment of the present invention.
5 and 6 are exemplary diagrams for explaining a process of opening a financial product combined with a sharing function in one embodiment of the present invention.
7 to 10 are exemplary diagrams for explaining a process of sharing a financial product in one embodiment of the present invention.
11 and 12 are exemplary diagrams for explaining a process of providing account details of a financial product according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Embodiments of the present invention relate to technology for providing financial services associated with SNS.

Embodiments including those specifically disclosed in this specification may provide a financial product in which a sharing function is combined through linkage with an SNS platform.

A financial product providing system according to embodiments of the present invention may be implemented by at least one computer device, and a financial product providing method according to embodiments of the present invention may be implemented by at least one computer device included in the financial product providing system. can be performed through At this time, a computer program according to an embodiment of the present invention may be installed and driven in the computer device, and the computer device may perform the financial product providing method according to the embodiments of the present invention under the control of the driven computer program. there is. The above-described computer program may be combined with a computer device and stored in a computer readable recording medium to execute a financial product providing method on a computer.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. The network environment of FIG. 1 shows an example including a plurality of electronic devices 110 , 120 , 130 , and 140 , a plurality of servers 150 and 160 , and a network 170 . 1 is an example for explanation of the invention, and the number of electronic devices or servers is not limited as shown in FIG. 1 . In addition, the network environment of FIG. 1 only describes one example of environments applicable to the present embodiments, and the environment applicable to the present embodiments is not limited to the network environment of FIG. 1 .

The plurality of electronic devices 110, 120, 130, and 140 may be fixed terminals implemented as computer devices or mobile terminals. Examples of the plurality of electronic devices 110, 120, 130, and 140 include a smart phone, a mobile phone, a navigation device, a computer, a laptop computer, a digital broadcast terminal, a personal digital assistant (PDA), and a portable multimedia player (PMP). ), and tablet PCs. As an example, FIG. 1 shows the shape of a smartphone as an example of the electronic device 110, but in the embodiments of the present invention, the electronic device 110 substantially uses a wireless or wired communication method to transmit other information via the network 170. It may refer to one of various physical computer devices capable of communicating with the electronic devices 120 , 130 , and 140 and/or the servers 150 and 160 .

The communication method is not limited, and short-distance wireless communication between devices as well as a communication method utilizing a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, and a broadcasting network) that the network 170 may include may also be included. For example, the network 170 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , one or more arbitrary networks such as the Internet. In addition, the network 170 may include any one or more of network topologies including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, and the like. Not limited.

Each of the servers 150 and 160 communicates with the plurality of electronic devices 110, 120, 130, and 140 through the network 170 to provide commands, codes, files, contents, services, and the like, or a computer device or a plurality of computers. Can be implemented in devices. For example, the server 150 may be a system that provides a service (eg, financial service) to the plurality of electronic devices 110, 120, 130, and 140 accessed through the network 170.

2 is a block diagram illustrating an example of a computer device according to one embodiment of the present invention. Each of the plurality of electronic devices 110 , 120 , 130 , and 140 or each of the servers 150 and 160 described above may be implemented by the computer device 200 shown in FIG. 2 .

As shown in FIG. 2 , the computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input/output interface 240. The memory 210 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. Here, a non-perishable mass storage device such as a ROM and a disk drive may be included in the computer device 200 as a separate permanent storage device distinct from the memory 210 . Also, an operating system and at least one program code may be stored in the memory 210 . These software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210 . The separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, software components may be loaded into the memory 210 through the communication interface 230 rather than a computer-readable recording medium. For example, software components may be loaded into memory 210 of computer device 200 based on a computer program installed by files received over network 170 .

Processor 220 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to processor 220 by memory 210 or communication interface 230 . For example, processor 220 may be configured to execute received instructions according to program codes stored in a recording device such as memory 210 .

The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (eg, storage devices described above) through the network 170 . For example, a request, command, data, file, etc. generated according to a program code stored in a recording device such as the memory 210 by the processor 220 of the computer device 200 is controlled by the communication interface 230 to the network ( 170) to other devices. Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device 200 through the communication interface 230 of the computer device 200 via the network 170 . Signals, commands, data, etc. received through the communication interface 230 may be transferred to the processor 220 or the memory 210, and files, etc. may be stored as storage media that the computer device 200 may further include (described above). permanent storage).

The input/output interface 240 may be a means for interface with the input/output device 250 . For example, the input device may include a device such as a microphone, keyboard, or mouse, and the output device may include a device such as a display or speaker. As another example, the input/output interface 240 may be a means for interface with a device in which functions for input and output are integrated into one, such as a touch screen. The input/output device 250 and the computer device 200 may be configured as one device.

Also, in other embodiments, computer device 200 may include fewer or more elements than those of FIG. 2 . However, there is no need to clearly show most of the prior art components. For example, the computer device 200 may be implemented to include at least some of the aforementioned input/output devices 250 or may further include other components such as a transceiver and a database.

Hereinafter, specific embodiments of a method and system for providing a financial product combined with a sharing function will be described.

3 is a block diagram illustrating an example of components that may be included in a processor of a computer device according to an embodiment of the present invention, and FIG. 4 is a financial device that can be performed by a computer device according to an embodiment of the present invention. It is a flow chart showing an example of a product providing method.

The computer device 200 according to this embodiment serves as a platform for providing financial services. A financial product providing system may be configured in the computer device 200 . The computer device 200 is a dedicated application installed on the electronic devices 110, 120, 130, 140 targeting the plurality of electronic devices 110, 120, 130, 140 that are clients, or the computer device 200 ) can provide financial services through web/mobile site access. In particular, the computer device 200 may provide a financial product combined with a sharing function through linkage with an SNS platform.

In addition, for the sharing function of financial products, user accounts on SNS (SNS accounts) and user accounts on financial services (financial accounts) manage integrated accounts, or by mapping and managing users' SNS accounts and financial accounts, mutual occurrences occur. information can be shared with each other.

The processor 220 of the computer device 200 is a component for performing the financial product providing method according to FIG. 4, and as shown in FIG. 3, the content transmitter 310, the activity information receiver 320, and the target authentication A unit 330 and a details display unit 340 may be included. Depending on embodiments, components of the processor 220 may be selectively included in or excluded from the processor 220 . Also, components of the processor 220 may be separated or merged to express functions of the processor 220 according to embodiments.

The processor 220 and components of the processor 220 may control the computer device 200 to perform steps S410 to S440 included in the financial product providing method of FIG. 4 . For example, the processor 220 and components of the processor 220 may be implemented to execute instructions according to an operating system code and at least one program code included in the memory 210 .

Here, elements of the processor 220 may be expressions of different functions performed by the processor 220 according to instructions provided by program codes stored in the computer device 200 . For example, the content transmission unit 310 may be used as a functional expression of the processor 220 that controls the computer device 200 according to the above-described command so that the computer device 200 transmits content related to a financial product. .

The processor 220 may read necessary commands from the memory 210 loaded with commands related to the control of the computer device 200 . In this case, the read command may include a command for controlling the processor 220 to execute steps S410 to S440 to be described later.

Steps (S410 to S440) to be described later may be performed in an order different from the order shown in FIG. 4, and some of the steps (S410 to S440) may be omitted or additional processes may be further included.

The processor 220 may provide a financial product combined with a sharing function through linkage with an SNS platform. For the sharing function for financial products, user accounts on SNS (SNS accounts) and user accounts on financial services (financial accounts) are integrated into one account, or by mapping and managing users' SNS accounts and financial accounts, Information can be shared with each other.

Referring to FIG. 4 , in step S410, the content transmission unit 310 may transmit content related to the financial product to the SNS platform associated with the computer device 200 as the financial product account is opened at the request of the user. In this embodiment, financial products may include financial products to which interest rates are applied, such as installment savings, deposits, and loans, and in particular, may mean social viral products that apply additional interest rate benefits through SNS sharing. . For example, SNS may provide a timeline type of view through which posts can be viewed, and the content transmission unit 310 allows a user to open a new account as a financial product combined with a sharing function. In one case, the content of the corresponding financial product may be transmitted as content to be posted as a timeline post for timeline sharing. At this time, the content transmission unit 310 may transmit content corresponding to opening details of the financial product. Content may include images or videos related to financial products. Contents to be posted on the timeline post may be determined according to product type (eg, installment savings, savings, loans, etc.) or account opening purpose (eg, travel funds, wedding funds, purchase funds, etc.). In other words, images or videos to be shared on the timeline for financial products may be determined differently for each opening content. Content may be determined in a customized form according to the SNS platform. The content may be processed according to a post to be posted on the SNS platform or delivered including minimum information that can be posted as a post on the SNS platform. Accordingly, the content transmitter 310 may automatically share the content as a user's timeline post by transmitting the content of the financial product opened by the user to the SNS platform.

In step S420, the activity information receiving unit 320 may receive activity information of other users regarding the user's timeline post through association with the SNS platform. At this time, the activity information receiving unit 320 may collect reaction information (eg, like reaction, cheering comment input, etc.) set as the challenge activity of the financial product opened by the user. The activity information receiving unit 320 may receive activity information left by other users about the content of the financial product shared through the user's timeline post. The activity information is an activity history of another user who shared the user's timeline post, and may include an activity type for the corresponding post and profile information set on the SNS.

In step S430, the goal authentication unit 330 may perform goal authentication for a financial product challenge opened by the user based on activity information of other users for the user's timeline post. The goal authentication unit 330 may select and count challenge activities set in financial products from among activity information on timeline posts. The goal authentication unit 330 may determine whether the activity information about the timeline post reaches the challenge goal condition of the financial product. For example, if a certain number of like reactions are received on the timeline post, the challenge goal is achieved can be judged to have been The goal authenticating unit 330 may determine that the challenge has been achieved when activity information on a timeline post satisfies a target condition within a certain period of time from the time of account opening or before the account expiration time.

For financial products, a pre-determined basic interest rate may be applied at maturity, and in the case of an account that has achieved the challenge, an additional interest rate may be applied according to the achievement of the challenge. An additional interest rate according to achievement of the challenge may be determined as a fixed value, and may be determined according to activity information on a timeline post according to an embodiment. For example, as an account that received 10 or more like reactions is judged as a challenge achievement, an additional 2% interest rate may be applied equally to all accounts, or a differential additional interest rate may be applied depending on the cumulative number of like reactions. You can (1% for accounts with less than 20 likes, 2% for accounts with more than 20 likes).

When a new account is opened through a link included in a timeline post, the target authentication unit 330 may reflect the challenge participation activity between the post user and the account opening user. For example, if user B, introduced through user A's timeline post, opens a new account for the same financial product, the count of like reactions corresponding to the challenge activity of both user A and user B may automatically increase by one. .

In step S440, the details display unit 340 may display SNS profiles of other users having an activity history for the user's timeline post in the details of the financial product opened by the user. The details display unit 340 may display the progress of the challenge in the account details of the user, and may also display SNS profiles of users who have left activity histories in the timeline posts. In addition, the details display unit 340 may display details about the additional interest rate in the account details when the challenge is achieved.

Furthermore, the content transmission unit 310 may transmit a request for upload to the SNS platform for exposure on the top of the timeline post of the financial product. The content transmission unit 310 may request to raise a financial product account that has not achieved a challenge goal in the form of a reminder for a timeline post of the corresponding financial product before a certain time based on expiration or at regular intervals.

In addition, the content transmission unit 310 may automatically share contents related to the requirements on the SNS platform when the financial product opened by the user satisfies certain requirements. For example, when a challenge target for a financial product opened by a user is reached and when the expiration date is reached, the relevant content can be automatically shared as a post on the user's timeline by transmitting the related content to the SNS platform. The content transmission unit 310 may sequentially share a timeline post according to challenge achievement and a timeline post according to maturity as a follow-up post to the timeline post shared at the time of account opening.

5 to 12 are exemplary diagrams for explaining a financial product combined with a sharing function according to an embodiment of the present invention.

Hereinafter, a specific embodiment will be described by taking an installment savings among financial products combined with a sharing function as an example.

5 to 6 show an example of the installment savings opening screen 500 .

Referring to FIGS. 5 and 6 , the processor 220 may sequentially receive information necessary for opening an account from a user through the installment savings account opening screen 500 .

As shown in FIG. 5 , the processor 220 may receive input of installment savings account details such as an account name 501 , a savings period 502 , and a target amount 503 from the user through the installment savings account opening screen 500 .

The processor 220 is information on the interest rate of the installment savings product to be opened through the installment savings opening screen 500 during the process of opening a savings account. Interest rate information 505 may be provided.

As shown in FIG. 6, the processor 220 uses the installment savings account opening screen 500 for the purpose of opening an account (e.g., travel funds, wedding funds, purchasing An interface 610 for setting funds, etc.) may be provided.

When the user sets the purpose of opening an account through the interface 610, the processor 220 may display an image 611 corresponding to the purpose of opening an account as content to be posted on a timeline post.

The image 611 to be posted on the timeline post may be determined as another image according to the purpose of opening an account.

The processor 220 opens the user's savings account with the entered information when the input of the remaining savings accounts such as the payment date 606 and the withdrawal account 607 for payment is completed through the installment savings account opening screen 500. can

7 to 10 show examples of the timeline service screen 700 .

The processor 220 may transmit the image 611 corresponding to the purpose of opening the account to the SNS platform at the time when the user's savings account is opened.

As shown in FIG. 7, an image 611 corresponding to the user's account opening purpose may be displayed on the timeline service screen 700 that is created as a user's timeline post 720 and shared with the user's friends. there is.

The timeline post 720 may include an image 611 corresponding to the user's account opening purpose, and information on the savings product for which the user has opened an account (eg, product description, savings account opening link, etc.) will be included. can

The timeline service screen 700 may include an interface for inputting a like reaction or a cheering comment as an activity for the timeline post 720, and when the timeline post 720 or the corresponding interface is selected A comment list 721 may be exposed.

Thereafter, the processor 220 may receive activity information on the timeline post 720 to determine whether a challenge target condition for an installment savings product opened by the user is reached. The processor 220 may automatically share subsequent posts on the timeline by transmitting challenge achievement contents to the SNS platform at the time when the activity information for the timeline post 720 reaches the challenge goal condition.

Referring to FIG. 8 , a challenge achievement feed 830 may be created as a user's timeline post and displayed on the timeline service screen 700 at the point of time when the challenge of the savings product opened by the user is achieved.

The challenge achievement feed 830 may include an interface 831 for accessing the comment list 721 of the timeline post 720 shared at the time of account opening as a previous feed.

In addition, the processor 220 may automatically share a follow-up post on the timeline by transmitting the details of the maturity of the installment savings to the SNS platform at the time of expiration of the installment savings product opened by the user.

Referring to FIG. 9 , an installment savings maturity feed 940 may be generated as a user's timeline post and displayed on the timeline service screen 700 at the time of expiration of an installment savings product opened by the user.

The installment savings maturity feed 940 may include information on an installment savings product opened by the user (eg, product description, installment savings link, etc.).

For example, as shown in FIG. 10 , when the installment savings maturity feed 940 is selected on the timeline service screen 700, the feed detail screen 1050 may be displayed. An open link 1051 may be included. When the installment savings link 1051 is selected on the feed detail screen 1050, it is possible to move to the installment savings account opening screen 500 for opening a new account.

11 and 12 show an example of the account details screen 1100 .

Referring to FIG. 11 , the processor 220 may provide an account details screen 1100 for a savings product opened by a user. At this time, the account details screen 1100 includes the account name, savings period, target amount, account opening Details 1110 of opening an installment savings account, such as a purpose, a payment date, and a withdrawal account, may be displayed.

The processor 220 may display the challenge progress 1120 through the account details screen 1100 based on the activity information on the timeline post 720 . The processor 220 may show the challenge progress 1120 through a progress interface 1121 using various types of maps or graphs, and post the timeline of the corresponding installment savings product together with the challenge progress 1120. Profiles 1122 of users having an activity history for 720 may be displayed.

The processor 220 may provide a challenge reminder notification at regular intervals or before a predetermined time based on the end point of the challenge during the course of challenging the installment savings product opened by the user.

When the activity information on the timeline post 720 reaches the challenge target condition of the installment savings product opened by the user, the processor 220 displays a challenge achievement notification 1230 on the account details screen 1100 as shown in FIG. ) can be displayed. The challenge achievement notification 1230 may include information about an additional interest rate finally applied according to the achievement of the challenge.

As described above, according to embodiments of the present invention, a post of content corresponding to the opening content can be automatically shared on SNS according to the opening of a financial product. Further, according to embodiments of the present invention, various user experiences for financial products may be provided in conjunction with activities for posts on SNS. In addition, according to embodiments of the present invention, a user's profile having an activity history for posts on SNS may be displayed in the details of a corresponding financial product, allowing the user to obtain more information without additional resource consumption.

The devices described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, devices and components described in the embodiments include a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), and a programmable PLU (programmable logic unit). logic unit), microprocessor, or any other device capable of executing and responding to instructions. The processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device. The software and/or data may be embodied in any tangible machine, component, physical device, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. there is. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. In this case, the medium may continuously store a program executable by a computer or temporarily store the program for execution or download. In addition, the medium may be various recording means or storage means in the form of a single or combined hardware, but is not limited to a medium directly connected to a certain computer system, and may be distributed on a network. Examples of the medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROM and DVD, magneto-optical media such as floptical disks, and ROM, RAM, flash memory, etc. configured to store program instructions. In addition, examples of other media include recording media or storage media managed by an app store that distributes applications, a site that supplies or distributes various other software, and a server.

As described above, although the embodiments have been described with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

Claims (20)

A financial product providing method executed on a computer device,
The computer device includes at least one processor configured to execute computer readable instructions contained in a memory;
The method of providing the financial product,
Transmitting, by the at least one processor, content related to the financial product to be posted as a post on the SNS platform as the account of the financial product is opened at the user's request to the SNS platform;
receiving, by the at least one processor, activity information of at least one other user for the post including the content from the SNS platform; and
displaying, by the at least one processor, details of the account based on the activity information;
A financial product providing method comprising a. According to claim 1,
The display step is
Displaying the profile of the other user having an activity history for the post in the details of the account
A financial product providing method comprising a. According to claim 1,
The display step is
Displaying the challenge progress of the financial product based on the activity information in the details of the account
A financial product providing method comprising a. According to claim 3,
The display step is
Providing a reminder notification for the account according to the progress of the challenge of the financial product.
A financial product providing method comprising a. According to claim 1,
The method of providing the financial product,
performing, by the at least one processor, target authentication for a challenge set for the financial product based on the activity information;
Method for providing a financial product further comprising a. According to claim 5,
The above steps are
Providing an interest rate benefit for the account when the activity information meets the challenge target condition of the financial product.
A financial product providing method comprising a. According to claim 6,
The interest rate benefit is determined at a differential interest rate according to the activity information
Method for providing a financial product characterized by. According to claim 5,
The method of providing the financial product,
Transmitting, by the at least one processor, content to be posted as a follow-up post according to achievement of the challenge to the SNS platform when the activity information achieves the challenge target condition of the financial product.
Method for providing a financial product further comprising a. According to claim 1,
The method of providing the financial product,
Transmitting, by the at least one processor, content to be posted as a follow-up post according to the maturity of the account to the SNS platform at the time of reaching the maturity of the account.
Method for providing a financial product further comprising a. According to claim 1,
The sending step is
determining the content according to an account opening purpose set by the user for the account;
A financial product providing method comprising a. A computer program stored in a computer readable recording medium to execute the method of providing a financial product according to any one of claims 1 to 10 in the computer device. In a computer device,
at least one processor configured to execute computer readable instructions contained in memory;
including,
The at least one processor,
A content transmission unit for transmitting content related to the financial product to the SNS platform to be posted as a post on the SNS platform as the account of the financial product is opened at the user's request;
an activity information receiver configured to receive activity information of at least one other user for the post including the content from the SNS platform; and
Details display unit for displaying details of the account based on the activity information
A computer device comprising a. According to claim 12,
The details display unit,
Displaying the profile of the other user with a history of activity for the post in the details of the account
Characterized by a computer device. According to claim 12,
The details display unit,
Displaying the progress of the challenge of the financial product based on the activity information in the details of the account.
Characterized by a computer device. According to claim 12,
The at least one processor,
A target authentication unit performing target authentication for a challenge set in the financial product based on the activity information
A computer device further comprising a. According to claim 15,
The target authentication unit,
Providing an interest rate benefit for the account when the activity information meets the challenge target condition of the financial product
Characterized by a computer device. According to claim 16,
The interest rate benefit is determined at a differential interest rate according to the activity information
Characterized by a computer device. According to claim 15,
The content transmission unit,
Transmitting content to be posted as a follow-up post according to the achievement of the challenge to the SNS platform at the time when the activity information achieves the challenge target condition of the financial product
Characterized by a computer device. According to claim 12,
The content transmission unit,
Transmitting content to be posted as a follow-up post according to the expiration of the account to the SNS platform at the time of expiration of the account
Characterized by a computer device. According to claim 12,
The content transmission unit,
determining the content according to an account opening purpose set by the user for the account;
Characterized by a computer device.

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