JP2023010637A - Method for providing financial products, computer program and computer device - Google Patents

Abstract

To automatically share posts of contents corresponding to opening contents on an SNS when a financial product is opened.SOLUTION: A method of providing a financial product according to the present disclosure 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.SELECTED DRAWING: Figure 4

Description

The present disclosure relates to technology for providing financial services in cooperation with SNS (Social Network Service).

Social media is an open online platform that creates or expands relationships with others while sharing personal thoughts, opinions, experiences, information, etc. on the basis of SNS. In such social media, users form an organic relationship with each other, the relationship between production and consumption is not one-sided but two-way, and content is distributed while users participate and share voluntarily. will come to

In this way, SNS has spread throughout society, and SNS has come to be used for the purpose of sharing information by groups with common interests, and the scope of SNS utilization has expanded to a wide range of social areas. spreads to

In the financial field, the company provides Internet banking services and simple payment services linked to SNS. For example, Patent Literature 1 (published on Jan. 9, 2014) discloses a technology that allows SNS messenger users to immediately process banking transactions with each other while using the SNS messenger.

Korean Patent Publication No. 10-2014-0003270

The purpose is to automatically share a post of contents corresponding to the contents of the opening of a financial product on an SNS.

The present disclosure is a method of providing a financial product, executed on a computer device including at least one processor configured to execute computer readable instructions contained in memory, for providing a financial product account at the request of a user. Sending to the SNS platform the content related to the financial product to be posted as a post on the SNS platform when it is opened, sending the activity information of other users to the post containing the content. A method for providing financial products, including receiving from an SNS platform and displaying the account breakdown based on the activity information.

In one aspect, the displaying step may include displaying a profile of the other user with activity history for the post in the account breakdown.

In another aspect, the step of displaying may include displaying a challenge progress of the financial instrument based on the activity information in a breakdown of the account.

In yet another aspect, the step of displaying may include providing reminder notifications to the account in response to challenge progress of the financial instrument.

In yet another aspect, the financial product providing method may further include performing target authentication for a challenge set for the financial product based on the activity information.

In yet another aspect, the performing step may include providing an interest rate benefit to the account if the activity information reaches a challenge target condition for the financial instrument.

In yet another aspect, the interest rate reward may have differential interest rates determined according to the activity information.

In another aspect, the method for providing a financial product further comprises transmitting to the SNS platform content to be posted as a subsequent post in response to the achievement of the challenge when the activity information reaches a challenge target condition of the financial product. may contain.

In another aspect, the method for providing financial products may further include transmitting, to the SNS platform, content to be posted as a subsequent post due to the maturity of the account when the account has reached maturity.

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

The present disclosure provides a computer program recorded on a computer-readable recording medium for causing the computer device to execute the financial product providing method.

The present disclosure is a computing device including at least one processor configured to execute computer readable instructions contained in memory, the at least one processor being configured to open an account for a financial instrument at the request of a user. a content transmission unit for transmitting content related to the financial product to the SNS platform for posting as a post on the SNS platform, and at least one other user for the post containing the content. A computer device is provided that includes an activity information receiving unit that receives activity information from the SNS platform, and a breakdown display unit that displays the breakdown of the account based on the activity information.

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

1 is a diagram showing an example of a network environment in one embodiment of the present invention; FIG. 1 is a block diagram illustrating an example of a computing device, in accordance with one embodiment of the present invention; FIG. 1 is a block diagram illustrating exemplary components that a processor of a computing device may include in one embodiment of the present invention; FIG. 1 is a flowchart illustrating an example of a method that may be performed by a computing device in accordance with one embodiment of the present invention; FIG. 4 is an exemplary diagram illustrating a process of opening a financial product combined with shared functions according to an embodiment of the present invention; FIG. 4 is an exemplary diagram illustrating a process of opening a financial product combined with shared functions according to an embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of sharing financial products in one embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of sharing financial products in one embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of sharing financial products in one embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of sharing financial products in one embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of providing account details of financial products in one embodiment of the present invention; FIG. 4 is an exemplary diagram for explaining the process of providing account details of financial products in one embodiment of the present invention;

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The embodiments of the present invention relate to technology for providing financial services in cooperation with SNS.

Embodiments including the matters specifically disclosed herein can provide financial products with combined shared functionality through integration with SNS platforms.

A financial product providing system according to an embodiment of the present invention may be implemented by at least one computer device, and a financial product providing method according to an embodiment of the present invention may be implemented by at least one computer device included in the financial product providing system. may be executed. At this time, a computer program according to an embodiment of the present invention may be installed and executed in a computer device, and the computer device may provide financial products according to an embodiment of the present invention under control of the executed computer program. the method may be carried out. The computer program described above may be recorded in a computer-readable recording medium in order to combine with a computer device and cause the computer to execute the financial product providing method.

FIG. 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment of FIG. 1 illustrates an example including multiple electronic devices 110 , 120 , 130 , 140 , multiple servers 150 , 160 , and a network 170 . Such FIG. 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers are not limited as in FIG. Also, the network environment in FIG. 1 is merely an example of the environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment in FIG. .

The plurality of electronic devices 110, 120, 130, 140 may be fixed terminals or mobile terminals implemented by computing devices. Examples of the plurality of electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, PCs (Personal Computers), notebook PCs, digital broadcasting terminals, PDAs (Personal Digital Assistants), and PMPs (Portable Multimedia Players). ), tablets, etc. As an example, FIG. 1 shows a smartphone as an example of the electronic device 110 , but in this embodiment, the electronic device 110 substantially utilizes a wireless or wired communication system and communicates with other electronic devices via the network 170 . It may refer to one of a variety of physical computing devices capable of communicating with equipment 120 , 130 , 140 and/or servers 150 , 160 .

The communication method is not limited, and not only the communication method using the communication network that can be included in the network 170 (eg, mobile communication network, wired Internet, wireless Internet, broadcasting network), but also the short distance between devices. Wireless communication may be included. For example, the network 170 includes a PAN (Personal Area Network), a LAN (Local Area Network), a CAN (Campus Area Network), a MAN (Metropolitan Area Network), a WAN (Wide Area Network), a BBN (Broadband Network) such as the Internet. Any one or more of the networks may be included. Additionally, network 170 may include any one or more of network topologies including, but not limited to, bus networks, star networks, ring networks, mesh networks, star-bus networks, tree or hierarchical networks, and the like. will not be

Each of servers 150, 160 is implemented by one or more computing devices that communicate with a plurality of electronic devices 110, 120, 130, 140 over network 170 to provide instructions, code, files, content, services, etc. good. For example, server 150 may be a system that provides services (eg, financial services) to a plurality of electronic devices 110 , 120 , 130 , 140 connected via network 170 .

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

Such a computing device 200 may include memory 210, processor 220, communication interface 230, and input/output interface 240, as shown in FIG. The memory 210 is a computer-readable storage medium and may include random access memory (RAM), read only memory (ROM), and permanent mass storage devices such as disk drives. Here, a permanent mass storage device such as a ROM or disk drive may be included in computer device 200 as a separate permanent storage device separate from memory 210 . Also stored in memory 210 may be an operating system and at least one program code. Such software components may be loaded into memory 210 from a computer-readable medium separate from memory 210 . Such other computer-readable recording media may include computer-readable recording media such as floppy drives, disks, tapes, DVD/CD-ROM drives, memory cards, and the like. In other embodiments, software components may be loaded into memory 210 through communication interface 230 that is not a computer-readable medium. For example, software components may be loaded into memory 210 of computing device 200 based on computer programs installed by files received over network 170 .

Processor 220 may be configured to process computer program instructions 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 code stored in a storage device, such as memory 210 .

Communication interface 230 may provide functionality for computer device 200 to communicate with other devices (eg, the recording device described above) via network 170 . As an example, processor 220 of computing device 200 can transmit requests, commands, data, files, etc. generated according to program code recorded in a recording device such as memory 210 to other devices via network 170 under the control of communication interface 230 . device. Conversely, signals, instructions, data, files, etc. from other devices may be received by computing device 200 through communication interface 230 of computing device 200 over network 170 . Signals, instructions, data, etc. received through the communication interface 230 may be transmitted to the processor 220 and the memory 210, and files may be stored in a recording medium (the permanent recording device described above) that the computing device 200 may further include. may be recorded.

Input/output interface 240 may be a means for interfacing with input/output device 250 . For example, input devices may include devices such as a microphone, keyboard, or mouse, and output devices may include devices such as displays, speakers, and the like. As another example, input/output interface 240 may be a means for interfacing with a device that integrates functionality for input and output, such as a touch screen. Input/output device 250 may comprise a single device integral with computing device 200 .

Also, in other embodiments, computing device 200 may include fewer or more components than those shown in FIG. However, most of the prior art components are not explicitly shown in the figure. For example, computing device 200 may be implemented to include at least some of the input/output devices 250 described above, and may also include other components such as transceivers, databases, and the like.

Specific embodiments of methods and systems for providing financial products with combined shared functionality are described below.

FIG. 3 is a block diagram illustrating exemplary components that a processor of a computing device may include in accordance with one embodiment of the present invention, and FIG. 4 illustrates components executed by the computing device in accordance with one embodiment of the present invention. It is a flow chart showing an example of a financial product providing method that can be used.

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 targets a plurality of electronic devices 110, 120, 130, and 140, which are clients. / You may provide financial services by connecting to the mobile site. In particular, the computing device 200 may provide financial products combined with shared functions through cooperation with the SNS platform.

In addition, for the sharing function for financial products, by managing an account that integrates an SNS account that is a user account on SNS and a financial account that is a user account on financial services, or by managing a user's SNS account and a financial account Accounts may be mapped and managed so that information occurring between them can be shared with each other.

Processor 220 of computer device 200 includes, as shown in FIG. A display 340 may be included. Note that, depending on the embodiment, each of the above components of processor 220 may be selectively included or excluded from processor 220 . Also, in some embodiments, the above-described components of processor 220 may be separated or merged to represent the functionality of processor 220 .

Such processor 220 and components of processor 220 may control computing device 200 to perform steps 410-440 included in the financial product providing method of FIG. For example, processor 220 and components of processor 220 may be implemented to execute instructions according to the code of an operating system and the code of at least one program contained in memory 210 .

Here, the components of processor 220 may represent different functions performed by processor 220 according to instructions provided by program code recorded in computing device 200 . For example, content transmitter 310 may be utilized as a functional representation of processor 220 that controls computing device 200 in accordance with the instructions described above such that computing device 200 transmits content associated with financial instruments.

Processor 220 may read the necessary instructions from memory 210 loaded with instructions associated with the control of computing device 200 . In this case, the read instructions may include instructions for controlling processor 220 to perform steps 410-440 described below.

The steps 410-440 described below may be performed in a different order than shown in FIG. 4, some of the steps 410-440 may be omitted, or additional steps may be included. may

The processor 220 may provide financial products combined with shared functions through cooperation with the SNS platform. For the sharing function for financial products, by using an account in which an SNS account, which is a user account on SNS, and a financial account, which is a user account on financial services, are integrated into one, or with the user's SNS account Mapping and managing financial accounts may allow information generated between them to be shared with each other.

Referring to FIG. 4 , in step 410 , the content transmission unit 310 transmits content related to the financial product to the SNS platform associated with the computer device 200 when the financial product account is opened according to the user's request. you can In the present embodiment, financial products may include financial products to which interest rates are applied, such as deposits, deposits, and loans. may mean a social viral product that For example, the SNS may provide a timeline type as a view form for viewing posts, and the content transmission unit 310 allows the user to create a new account, which is a financial product combined with a sharing function. , the content of the relevant financial product may be sent 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 the opening details of the financial product. The content may include images, videos, etc. associated with financial instruments. The content posted on the timeline post may be determined according to the type of product (e.g. deposit, deposit, loan, etc.) and the purpose of opening an account (e.g., travel funds, marriage funds, purchase funds, etc.). . In other words, the images and videos that come to be shared on the timeline for financial products may be defined differently for each opening. The content may be determined in a form customized according to the SNS platform. The content may be tailored to a post posted on the SNS platform, or may be delivered including the minimum information that can be posted as a post on the SNS platform. Therefore, when the content transmission unit 310 transmits the content of the financial product opened by the user to the SNS platform, the corresponding content can be automatically shared in the user's timeline post.

In operation 420, the activity information receiving unit 320 may receive activity information of other users for the user's timeline posts through cooperation with the SNS platform. At this time, the activity information receiving unit 320 may collect reaction information (for example, “Like” reaction, supportive comment input, etc.) set as a challenge activity for the financial product opened by the user. The activity information receiver 320 may receive activity information written by other users with respect to the financial product content shared by the user's timeline post. The activity information may include an activity type for the post and profile information set on the SNS as an activity history of another user who shared the user's timeline post.

At step 430, the target authenticator 330 may perform target authentication for the financial product challenge opened by the user based on the activity information of other users on the user's timeline post. The goal authentication unit 330 may select and count challenge activities set for financial products from activity information for timeline posts. The goal authenticator 330 may determine whether the activity information for the timeline post has reached the challenge goal conditions of the financial product. For example, when a timeline post receives a certain number of "like" reactions, it may be determined that the challenge goal has been achieved. The target authenticating unit 330 may determine that the challenge has been achieved when the activity information for the timeline post reaches the target condition within a certain period of time after opening the account or before the maturity of the account.

A financial instrument may bear a predetermined base rate of interest upon maturity and, in the case of a challenged account, may bear an additional rate of interest upon completion of the challenge. The additional interest rate for completing the challenge may be a fixed value, and in some embodiments may be determined by the activity information for the timeline post. For example, if an account with 10 or more "like" reactions is judged to have achieved the challenge, an additional interest rate of 2% may be uniformly applied to all accounts, or Differential additional interest rates may apply depending on the cumulative number. For example, 1% may be applied to accounts with less than 20 "like" reactions, and 2% may be applied to accounts with 20 or more "likes".

When a new account is opened using the link included in the timeline post, the target authentication unit 330 may reflect the activity as a challenge participation activity between the post user and the account opening user. For example, if user B, who entered from user A's timeline post, opens a new account for the same financial product, both user A and user B will automatically count "like" reactions corresponding to the challenge activity by one. can be increased by

At step 440, the breakdown display unit 340 may display the SNS profiles of other users who have an activity history for the user's timeline post in the breakdown of financial products opened by the user. The breakdown display unit 340 may display the challenge progress in the user's account breakdown, and may also display the SNS profile of the user with activity history for the timeline post. In addition, the breakdown display unit 340 may display the details of the additional interest rate when the challenge is achieved in the account breakdown.

Further, the content transmission unit 310 may transmit a re-posting request for top display of the financial product timeline post to the SNS platform. The content transmission unit 310 targets financial product accounts that have not achieved the challenge goal, and as a form of reminder for the timeline post of the relevant financial product, before a certain period of time based on maturity or at regular intervals You may request a reprint.

In addition, when the financial product opened by the user satisfies certain requirements, the content transmission unit 310 may automatically share relevant contents of the requirements on the SNS platform. For example, by sending related content to the SNS platform when the challenge goal and maturity of the financial product opened by the user are reached, the corresponding content is automatically posted on the user's timeline post. may be shared. The content transmission unit 310 may share, in order, a timeline post due to achievement of a challenge and a timeline post due to reaching maturity as subsequent posts to the timeline post shared at the time of account opening.

5 to 12 are exemplary diagrams for explaining financial instruments with combined shared functions in one embodiment of the present invention.

Hereinafter, an embodiment exemplifying a savings account among financial products with combined shared functions will be described in detail.

5 and 6 show an example of a deposit opening screen 500. FIG.

The processor 220 may sequentially acquire information input necessary for opening an account from the user through the deposit opening screen 500 .

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

In the process of opening a savings account, the processor 220 accumulates basic interest rate information 504 to be applied at the maturity of the savings and additional interest rate information 505 to be additionally applied when the challenge is achieved as interest rate information of the savings product to be opened. It may be provided on the money opening screen 500 .

As shown in FIG. 6, the processor 220 provides an interface for setting the purpose of opening an account (for example, travel funds, marriage funds, purchase funds, etc.) as additional savings account opening details in the process of opening a savings account. 610 may be provided on the deposit opening screen 500 .

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

The image 611 posted on the timeline post may be determined as a different image depending on the account opening purpose.

When the rest of the input of the deposit opening details such as the payment date 606 and the withdrawal account 607 for payment are completed on the deposit opening screen 500, the processor 220 allows the user to make deposits based on the input opening details. You can open an account.

7 to 10 show an example of a timeline service screen 700. FIG.

The processor 220 may send an image 611 corresponding to the account opening purpose to the SNS platform at the time 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 generated as the user's timeline post 720 and displayed on the timeline service screen 700 shared with the user's friends.

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

The timeline service screen 700 may include an interface for inputting 'like' reactions and supportive comments, which are activities for the timeline post 720, and when the timeline post 720 or the corresponding interface is selected. , the comment list 721 may be displayed.

Thereafter, the processor 220 may receive the activity information for the timeline post 720 and determine whether the user has met the challenge goal for the accumulated savings product. The processor 220 may automatically share subsequent posts on the timeline by sending challenge achievements to the SNS platform when the activity information for the timeline post 720 reaches the challenge goal conditions.

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

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

In addition, the processor 220 may automatically share subsequent posts on the timeline by sending the maturity details of the savings product opened by the user to the SNS platform at the time of maturity.

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

The savings maturity feed 940 may include information about savings products opened by the user (eg, product descriptions, savings opening links, etc.).

For example, as shown in FIG. 10, a feed details screen 1050 may be displayed when the deposit maturity feed 940 is selected on the timeline service screen 700. At this time, the feed details screen 1050 includes a deposit opening link 1051. may be included. When the savings opening link 1051 is selected on the feed details screen 1050, the user may move to the savings opening screen 500 for opening a new account.

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

Referring to FIG. 11, the processor 220 may provide an account breakdown screen 1100 for savings products opened by the user. At this time, the account details screen 1100 may display deposit opening details 1110 such as account name, deposit period, target amount, account opening purpose, payment date, withdrawal account, and the like.

Processor 220 may display challenge progress 1120 on account breakdown screen 1100 based on the activity information for timeline post 720 . The processor 220 may display the challenge progress 1120 in a progress interface 1121 using various forms of maps and graphs, and along with the challenge progress 1120, the activity for the timeline post 720 of the corresponding savings product. A historical user's profile 1122 may be displayed.

The processor 220 may provide a challenge reminder notice before a certain period of time or at regular intervals based on the end of the challenge during the progress of the challenge of the savings product opened by the user.

When the activity information for the timeline post 720 reaches the challenge target condition of the savings product opened by the user, the processor 220 displays a challenge achievement notification 1230 on the account breakdown screen 1100 as shown in FIG. good. The challenge achievement notification 1230 may include information regarding the additional interest rate that is ultimately applied upon achievement of the challenge.

As described above, according to the present embodiment, when a financial product is opened, a post of content corresponding to the details of the opening can be automatically shared on the SNS. In addition, according to the present embodiment, it is possible to provide various user experiences for financial products in conjunction with activities on posts on SNS. Furthermore, according to the present embodiment, by displaying the profile of a user who has a history of activity on posts on the SNS in the breakdown of the corresponding financial product, the user can obtain more information without consuming additional resources. can do.

The apparatus described above may be realized by hardware components, software components, and/or a combination of hardware and software components. For example, the devices and components described in the embodiments include processors, controllers, Arithmetic Logic Units (ALUs), digital signal processors, microcomputers, Field Programmable Gate Arrays (FPGAs), Programmable Logic Units (PLUs), microprocessors, Or may be implemented using one or more general purpose or special purpose computers, such as various devices capable of executing and responding to instructions. The processing unit may run an operating system (OS) and one or more software applications that run on the OS. The processor may also access, record, manipulate, process, and generate data in response to executing software. For convenience of understanding, one processing device may be described as being used, but those skilled in the art will appreciate that a processing device may include multiple processing elements and/or multiple types of processing elements. You can understand that. For example, a processing unit may include multiple processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include computer programs, code, instructions, or a combination of one or more of these, to configure a processor to operate at its discretion or to independently or collectively instruct a processor. You can Software and/or data may be embodied in any kind of machine, component, physical device, computer storage medium, or device for interpretation by, or for providing instructions or data to, a processing device. good. The software may be stored and executed in a distributed fashion over computer systems linked by a network. Software and data may be recorded on one or more computer-readable recording media.

The methods according to the above embodiments may be embodied in the form of program instructions executable by various computer means and recorded on a computer readable medium. Here, the medium may record the computer-executable program continuously or temporarily record it for execution or download. In addition, the medium may be various recording means or storage means in the form of a combination of single or multiple hardware, and is not limited to a medium that is directly connected to a computer system, but is distributed over a network. It may exist in Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and ROM, RAM, flash memory, etc., and may be configured to store program instructions. Other examples of media include recording media or storage media managed by application stores that distribute applications, sites that supply or distribute various software, and servers.

As described above, limited embodiments have been described based on the drawings, but various modifications and variations are possible from the above description. For example, the techniques described may be performed in a different order than in the manner described and/or components such as systems, structures, devices, circuits, etc. described may be performed in a manner different from the manner described. Appropriate results may be achieved when combined or combined, opposed or substituted by other elements or equivalents.

Therefore, even if the form is different from the embodiment described above, it belongs to the scope of the claims.

110, 120, 130, 140: electronic equipment 150, 160: server 170: network 200: computer device 210: memory 220: processor 230: communication interface 240: input/output interface 250: input/output device 310: content transmitter 320 : Activity information receiving unit 330: Target authentication unit 340: Breakdown display unit 500: Savings opening screen 501: Account name 502: Savings period 503: Target amount 504: Basic interest rate information 505: Additional interest rate information 606: Payment date 607: Withdrawal Account 610: Interface 611: Image 700: Timeline Service Screen 720: Timeline Post 721: Comment List 830: Challenge Achievement Feed 831: Interface 940: Deposit Maturity Feed 1050: Feed Detail Screen 1051: Deposit Open Link 1100 : Account details screen 1120: Challenge progress 1121: Progress interface 1122: Profile 1230: Challenge achievement notification

Claims (20)

1. A method of providing a financial product, executed on a computing device comprising at least one processor configured to execute computer readable instructions contained in memory, comprising:
Sending to the SNS platform content related to the financial product for posting as a post on the SNS platform when an account for the financial product is opened at the request of a user;
receiving, from the SNS platform, activity information of other users on the post containing the content; and
displaying a breakdown of the account based on the activity information;
methods of providing financial products, including; The displaying step includes:
displaying a profile of the other user who has an activity history for the post in the account breakdown;
The financial product providing method of claim 1, comprising: The displaying step includes:
displaying the challenge progress of the financial instrument based on the activity information in the account breakdown;
The financial product providing method of claim 1, comprising: The displaying step includes:
providing a reminder notification to the account according to the challenge progress of the financial instrument;
4. The financial product providing method according to claim 3, comprising: performing target authentication against a challenge set for the financial instrument based on the activity information;
The method of claim 1, further comprising: The performing step includes:
providing an interest rate benefit to the account if the activity information reaches a challenge target condition of the financial instrument;
6. The financial product providing method according to claim 5, comprising: 7. The financial product providing method according to claim 6, wherein the interest rate privilege is a differential interest rate determined according to the activity information. Sending content to the SNS platform to be posted as a subsequent post after the achievement of the challenge when the activity information reaches the challenge target condition of the financial product;
6. The method of claim 5, further comprising: When the account reaches maturity, sending content to the SNS platform to be posted as a subsequent post upon maturity;
The method of claim 1, further comprising: The transmitting step includes:
Determining the content according to the account opening purpose set by the user for the account;
The financial product providing method of claim 1, comprising: A computer program for causing a computer device to execute the financial product providing method according to any one of claims 1 to 10. 1. A computing device comprising at least one processor configured to execute computer readable instructions contained in memory,
The at least one processor
a content transmission unit that transmits, to the SNS platform, content related to the financial product to be posted as a post on the SNS platform when an account for the financial product is opened at the request of the user;
an activity information receiving unit that receives from the SNS platform at least one other user's activity information for the post containing the content; and
a breakdown display unit that displays a breakdown of the account based on the activity information;
computer equipment, including The breakdown display unit
13. The computer device according to claim 12, wherein profiles of said other users who have activity histories for said posts are displayed in said breakdown of said account. The breakdown display unit
13. The computer device according to claim 12, wherein the challenge progress status of the financial product based on the activity information is displayed in the breakdown of the account. The at least one processor
13. The computer device according to claim 12, further comprising a target authentication unit that performs target authentication for a challenge set for the financial product based on the activity information. The target authentication unit
16. The computing device of claim 15, wherein if the activity information reaches a challenge target requirement for the financial instrument, providing an interest rate benefit to the account. 17. The computing device of claim 16, wherein the interest rate reward has differential interest rates determined according to the activity information. The content transmission unit
16. The computer device according to claim 15, wherein, when the activity information reaches the challenge target condition of the financial product, the content to be posted as a subsequent post by achieving the challenge is transmitted to the SNS platform. The content transmission unit
13. The computer device according to claim 12, wherein when the account reaches maturity, content is transmitted to the SNS platform to be posted as a subsequent post upon maturity. The content transmission unit
13. The computer device according to claim 12, wherein said content is determined according to the purpose of opening an account set by said user for said account.

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