KR101687957B1 - Server apparatus for providing and methods thereof - Google Patents

Abstract

A server apparatus is started. The server apparatus includes: a communication unit for performing communication with at least one external source and a user terminal; a control unit which collects data related to the user information from at least one external source when the user information input from the first user terminal is received through the communication unit, and extracts keyword from the collected data; and a storing unit which stores the collected data and keyword.

Description

TECHNICAL FIELD [0001] The present invention relates to a server apparatus for providing information,

The present invention relates to a server device capable of providing various kinds of information to users and a method of providing the information.

As computer and network technologies develop, faster network services are being supported. Accordingly, users are becoming accustomed to checking various information using the network service.

For example, in addition to checking various information by accessing the Internet, a member of a bank, a card company, or a telecommunication company joins a member and enjoys various services. Users also share their feelings and knowledge through Social Network Service (SNS).

As such, users are becoming more accustomed to checking information, but in areas such as bank lending and credit evaluation, it has been difficult to verify information because of its expertise. For example, the user had difficulty in receiving a bank loan or issuing various kinds of documents in order to evaluate his creditworthiness. In addition, the person in charge of the bank loan was also burdened to check the documents submitted by the user and judge the authenticity of the documents.

Therefore, there is a need for a more convenient and accurate information providing method.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-described needs, and it is an object of the present invention to provide a server apparatus and a method of providing information thereof that can conveniently provide various information related to a user or a user's behavior.

According to an aspect of the present invention, there is provided a server apparatus including a user terminal and a communication unit for performing communication with at least one external source, A control unit for collecting data related to the user information from the at least one external source and extracting a keyword from the collected data when received through the communication unit, and a storage unit for storing the collected data and the keyword. Here, when the second user terminal device accesses the server device, the control section determines, based on the determination result of the authenticity of the user information according to the information confirmation request received from the second user terminal device, And provide at least one of the generated reports to the second user terminal.

Wherein the data related to the user information includes financial data, the control unit extracts the keyword from the financial data, divides the extracted keyword into a predetermined positive item and a negative item, Can be applied to generate a scored financial scorecard.

Alternatively, the data related to the user information includes social media data, and the control unit extracts the keywords from the social media data, divides the extracted keywords into a predetermined positive item and a negative item, You can create scored social scorecards by applying weights to each item.

Alternatively, the control unit may provide a first UI screen for receiving the user information to the first user terminal when the first user terminal is accessed through the communication unit, A social data analysis result report generated based on at least one of a financial related report generated based on at least one of the keyword and the financial score card, the keyword and the social score card, And a second UI screen for informing at least one of the user information received through the first user terminal and the feedback information indicating whether the user information is authentic or not.

Wherein the collected data includes financial data, and when the personal credit rating tag is selected from a plurality of tags displayed on the second UI screen, the controller displays the financial data on the financial data chart Detect a pattern, perform a user credit evaluation based on the size and number of the detected patterns, and provide a credit evaluation result to the second user terminal device.

According to another aspect of the present invention, there is provided a method for providing information of a server device, the method comprising: receiving user information input from a first user terminal device and collecting and storing data related to the user information from at least one external source Extracting and storing a keyword from the collected data and storing the keyword in the server device when the second user terminal device accesses the server device, And providing at least one of the determination result and the report generated based on the keyword to the second user terminal device.

In addition, when financial data is included in the data related to the user information, a financial scorecard card scored by applying weights to the items extracted from the financial data and classified into a predetermined positive item and a negative item, And generating the generated data.

Alternatively, when the social media data is included in the data related to the user information, the keyword is extracted from the social media data, and the extracted keywords are classified into a predetermined positive item and a negative item, And applying a weight to generate a scored social scorecard.

Or providing a first UI screen for receiving the user information to the first user terminal device when the first user terminal device accesses the server device, A social data analysis result report generated based on at least one of a financial related report generated based on at least one of the keyword and the financial score card, the keyword and the social score card when accessed, And providing a second UI screen for informing at least one of the user information and feedback information indicating whether the user information is authentic or not, to the second user terminal device.

Alternatively, if a personal credit rating tag is selected from a plurality of tags displayed on the second UI screen, a preset pattern is detected in the financial data chart obtained by charting financial data among the collected data, And providing the credit evaluation result to the second user terminal device.

According to an embodiment of the present invention, a non-transitory readable medium may be provided in which a program for executing the information providing method is stored. Here, the information providing method includes the steps of: receiving user information; collecting data related to the user information from at least one external source related to the user information; extracting and storing keywords from the collected data; And generating a report corresponding to the user request based on the stored keyword when a user request for report confirmation is input.

According to various embodiments of the present invention as described above, the server apparatus can provide various information related to a user or a behavior of the user.

1 is a diagram illustrating a configuration of an information providing system according to an embodiment of the present invention;
2 is a block diagram showing a configuration of a server apparatus according to an embodiment of the present invention;
3 is a diagram for explaining a method of providing financial information of a server apparatus,
4 is an example of a financial scoring card scored based on keywords detected based on financial data,
5 is a diagram for explaining a method of providing information related to social media of a server apparatus,
6 shows an example of a social scoring card scored on the basis of keywords detected based on social data,
7 to 10 show an example of a screen configuration for inputting user information,
11 to 17 are diagrams showing various kinds of information provided by the server apparatus,
18 shows an example of a financial data chart,
19 is an example of the credit rating information generated using the financial data chart,
20 is a timing diagram for explaining an information providing method according to an embodiment of the present invention;
21 is a view for explaining a method of providing information of a user terminal device implemented in a cellular phone,
22 is a flowchart illustrating an information providing method according to an embodiment of the present invention.

Before describing the present invention in detail, a method of describing the present specification and drawings will be described.

It is to be understood that the terminology used herein should be broadly interpreted as encompassing any and all of the terms, as well as the legal and technical interpretations of technicians skilled in the art, The appearance of the technology, and the like. In addition, some terms are arbitrarily selected by the applicant. These terms may be construed in the meaning defined herein and may be interpreted based on the general contents of this specification and the ordinary technical knowledge in the art without specific terms definition.

In addition, the same reference numerals or signs in the drawings attached to the present specification indicate components or components that perform substantially the same function. For ease of explanation and understanding, different embodiments will be described using the same reference numerals or symbols. That is, even though all of the elements having the same reference numerals are shown in the plural drawings, the plural drawings do not mean one embodiment.

Further, in the present specification and claims, terms including ordinal numbers such as "first "," second ", etc. may be used for distinguishing between elements. These ordinals are used to distinguish between identical or similar components, and the use of such ordinal numbers should not be construed as limiting the meaning of the term. For example, the components associated with such an ordinal number should not be limited in their order of use or placement order by their numbers. If necessary, each ordinal number may be used interchangeably.

As used herein, the singular forms "a", "an" and "the" include plural referents unless the context clearly dictates otherwise. In this application, the terms "comprise", "comprising" and the like are used to specify that there is a stated feature, number, step, operation, element, component, or combination thereof, But do not preclude the presence or addition of features, numbers, steps, operations, components, parts, or combinations thereof.

In the embodiments of the present invention, terms such as "module", "unit", "part", and the like are terms used to refer to components that perform at least one function or operation, Or may be implemented as a combination of hardware and software. It should also be understood that a plurality of "modules "," units ", "parts ", etc. may be integrated into at least one module or chip, (Not shown).

Further, in an embodiment of the present invention, when a part is connected to another part, this includes not only a direct connection but also an indirect connection through another medium. Also, the inclusion of a component in a component means that the component may include other components, not the exclusion of any other component, unless specifically stated otherwise.

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

1 is a diagram illustrating a configuration of an information providing system according to an embodiment of the present invention. 1, the information providing system includes a server apparatus 100, a plurality of user terminal apparatuses 200, 300-1 to 300-m, and a plurality of sources 10-1 to 10-n.

The server device 100, the plurality of user terminal devices 200 and 300-1 to 300-m, and the plurality of sources 10-1 to 10-n can communicate with each other through a network.

The plurality of user terminal devices 200 and 300-1 to 300-m refer to various devices that can be operated by users. For example, the user terminal devices 200 and 300-1 to 300-m can be implemented in various types of devices such as a PC, a laptop PC, a mobile phone, a tablet PC, a kiosk, an electronic dictionary, a TV, an MP3 player, The user terminal includes a communication interface capable of performing communication with various external servers or external terminal devices, a storage unit for storing data received through communication, a display unit for displaying stored data, A processor for controlling the operation, and the like.

The user terminal devices 200 and 300-1 to 300-m are used by various people. For example, if the system of FIG. 1 is used at a credit rating agency to apply for a bank loan, the user may be a loan applicant who wants to apply for a loan to a bank, a loan officer at a bank, And the person in charge of another organization providing the information needed by the user. In this specification, for convenience of explanation, a device used by a user who inputs user information is referred to as a first user terminal device 200, and a device used by a user who wishes to confirm information is referred to as a second user terminal device 300-1 ~ 300-m).

The loan applicant (hereinafter, referred to as a user) can access the server device 100 through the first user terminal device 200. Specifically, the loan applicant executes the web browser of the first user terminal device 200, inputs the URL assigned to the server device 100 in the address window, and confirms the web page provided by the server device 100 .

The server device 100 provides various UI screens to the first user terminal device 200 when the first user terminal device 200 is accessed. UI screen (User Interface screen) means a screen where a user can perform an interaction such as confirming, inputting, or selecting information. The UI screen may include a web page screen.

The loan applicant can input his or her own information, that is, user information, through the UI screen. For example, the user information may include name, date of birth, contact, address, job title, financial information, and social media information. The user information input from the first user terminal device 200 is transmitted to the server device 100.

When the user information is input, the server apparatus 100 can collect data related to the inputted user information from at least one external source 10-1 to 10-n. The sources 10-1 to 10-n may include a bank server, a card company server, an insurance company server, a web portal server, a communication company server, an SNS server, and other web servers. In addition, the sources 10-1 to 10-n may be cloud servers. The server device 100 may collect data in various ways according to an embodiment.

The server device 100 stores the collected data in a storage unit (not shown). In this case, the server device 100 may create an account for the user, allocate storage area for the account, and then store the data in the allocated storage area. In addition, the server apparatus 100 extracts keywords from the collected data, and stores the extracted keywords together in the storage unit. Accordingly, big data for the applicant of the loan can be prepared.

A bank lending manager or other institutional affiliate (hereinafter referred to as a manager) can access the server apparatus 100 through the second user terminal devices 300-1 to 300-m. The personnel in charge can also access the server device 100 by inputting the URL of the server device 100 into the Internet address window. Accordingly, various kinds of information can be confirmed.

When the second user terminal device 300-1 to 300-m accesses the server device 100, the server device 100 transmits at least one of the determination result of the authenticity of the user information and the report generated based on the keyword to the second user terminal device 300-1 to 300- (300-1 to 300-m).

The type of information provided depends on the choice of the person in charge. For example, the server device 100 may determine whether the user information is authentic or not and provide a result of the determination. Alternatively, the server device 100 may generate various types of reports such as an evaluation report on the user's financial related activities, an evaluation report on the social media activities, and the like, and provide the report to the person in charge. As a result, the person in charge can check various information provided by the server device 100 through the second user terminal devices 300-1 to 300-m.

The server device 100 may grant different rights to the user and the person in charge. When the user logs in, the server device 100 displays a UI screen for inputting user information, a UI screen for confirming user information input by the user, a UI screen for confirming approval of the loan requested by the user, And so on. On the other hand, when the person in charge logs in, a UI screen for confirming authenticity of the user information inputted by the user, a UI screen for confirming various evaluation reports and credit evaluation information for the user can be provided. The server device 100 can distinguish a user or a contact person using a user ID and a password.

1, the server device 100 provides information directly to the second user terminal devices 300-1 to 300-m. However, the server device 100 may transmit the information And the second user terminal devices 300-1 to 300-m can access the institution server to confirm the information.

2 is a block diagram showing a configuration of a server apparatus 100 according to an embodiment of the present invention. 2, the server device 100 includes a communication unit 110, a control unit 120, and a storage unit 130. [

The communication unit 110 is a component for performing communication with various types of external devices such as the user terminal devices 200 and 300-1 to 300-m and external sources 10-1 to 10-n. The communication unit 110 may perform communication with an external device through various communication interfaces such as a wired LAN (Local Area Network), a wireless LAN, a mobile communication network, a Wi-Fi network, and the like, but is not limited thereto. For example, it may perform communication using a proximity communication method such as Bluetooth or NFC, or may perform communication through various wired interfaces.

When the user terminal devices 200 and 300-1 to 300-m are connected through the communication unit 110, the control unit 120 receives various information from the user terminal devices 200 and 300-1 to 300-m, Conversely, various information can be provided. 1, when the user accesses the server device 100 through the first user terminal device 200, the control unit 120 transmits data that can constitute the web page to the first user terminal 200. In this case, To the terminal device (200). When the user information is inputted through the web page in the first user terminal 200, the controller 120 can receive the user information through the communication unit 110.

The control unit 120 may collect data related to the received user information from at least one of the sources. The collection method can be variously implemented according to the embodiment.

For example, the control unit 120 may collect data in a scraping manner. Scraping refers to a technique of detecting data by connecting to a system of a corresponding source and extracting necessary data from the detected data. For example, if there is a web site provided by a source, the control unit 120 can extract images, text, symbols, numbers, and the like posted on the web site. The scraping method is also known as the web crawling method. As another example, the control unit 120 may collect necessary data from each of the sources 10-1 to 10-n using a Web API (Application Programming Interface). Alternatively, the control unit 120 may transmit aquery signal for requesting data to each of the sources 10-1 to 10-n, and may receive various information in response thereto.

The storage unit 130 is a component for storing the data collected by the control unit 120. 2, the storage unit 130 is included in the server apparatus 100, but the storage unit 130 may be separately installed outside the server apparatus 100 and connected to the server apparatus 100 It is possible.

The control unit 120 stores the collected data in the storage unit 130 and extracts keywords from the stored data. A keyword can be a grammar element of the smallest unit having meaning. The keyword may be extracted in at least one morpheme unit. For example, if the user A has paid 100,000 KRW at the CCC restaurant using the BBB card, the control unit 120 may collect the payment details from the source of the BBB card company. The control unit 120 can extract keywords such as "CCC restaurant "," 100,000 KRW ", etc. in the collected data. If there is a card use date and time, the card use date and time can be extracted by keyword. The control unit 120 may also store the extracted keywords in the storage unit 130 to configure one big data.

The control unit 120 can provide various information by using at least one of the user information and the keyword when the person in charge accesses the server device 100 using the second user terminal devices 300-1 to 300-m have. For example, the user information inputted by the user can be compared with the keyword to judge whether the user information is genuine or false. Specifically, if the user inputs his or her birth date as Aug. 15, 1970, but the date of birth of the keyword extracted from the data collected by the SNS server is Aug. 15, 1971, the control unit 120 sets the date of birth Can give a message of suspicion of authenticity.

Alternatively, if the financial data is included in the data related to the user information, the control unit 120 may extract the keyword from the financial data. In this state, when the user inputs a request for checking the financial status, the control unit 120 generates a financial report using each keyword extracted from the financial data, and provides the financial related report to the user terminal 200 have. Financial reports can be generated in various forms. For example, the controller 120 may classify the keywords into positive items and negative items predetermined for each keyword, and generate a financial scorecard scored by applying weights to the classified items.

Alternatively, the control unit 120 may include social media data in the data related to the user information, and may extract keywords from the social media data. In this state, when the user inputs a request for confirming the social media activity, the control unit 120 generates a social activity report using each keyword extracted from the social media data, and then transmits the social activity report to the second user terminal 300-1 ~ 300-m). Social activity reports can also be generated in various forms. For example, the control unit 120 may divide each keyword extracted from the social media data into a predetermined positive item and a negative item, and generate a social scorecard scored by applying weights to the separated items.

3 is a diagram for describing in detail the operation of the server apparatus for providing financial reports. According to Fig. 3, the server apparatus can collect various data 11, 12, 13 from various sources. For example, the user can collect the communication company account information 11, the card company account information 12, the bank account information 13, and the like that the user is subscribed to. The server apparatus stores the collected data in the storage unit 130.

The server apparatus 100 extracts various keywords 310 from the collected data. FIG. 3 shows a state in which loans, loans, capital, loans, cash, savings, money, and the like are extracted as credit-related keywords. In addition, a gambling-related keyword, a casino, a horse race park, and the like are extracted, and a diamond, a fur, and the like are extracted with an unhealthy consumption-related keyword. In order to distinguish the keywords semantically, the storage unit 130 may store a word database in which words grouped into a plurality of groups are arranged in advance. The control unit 120 may group the keywords based on the word database. Further, the control unit 120 may update the word database every time a new word is collected to add a new word.

In this state, when the user requests a report such as a comprehensive transaction history, the control unit 120 generates a report 320 based on the keyword. As described above, since the keyword 310 is extracted from the financial data collected from various types of sources (such as banks, credit card companies, and communication companies), the control unit 120 collects data of the respective institutions and outputs the report 320 Can be generated. That is, it is also possible to generate a comprehensive transaction history report including all of the account transfer or non-transaction deposit through the bank, the payment history using the card, and the payment history through the communication company. Therefore, it is much more convenient to obtain necessary information than accessing each institution individually to check transaction history.

 FIG. 4 shows an example of a financial scoring card scored based on keywords detected based on financial data.

Referring to FIG. 4, the control unit 120 may group the detected keywords according to their characteristics. For example, various bank accounts can be grouped into bank transaction history groups, and usage statuses such as buses, subways, and taxis can be grouped into transportation expenses groups. The keyword group may include bank transaction details, transportation expenses, online shopping mall, offline market, institute, and various utility bills. The control unit 120 divides each keyword into a positive item and a negative item according to a predetermined criterion. For example, bank transactions are divided into negative items if they spend more than three months 'total income, and positive items if they have less than three months' total income. If there is a bank transaction in the night time zone, it is classified as a negative item regardless of the amount. The payment in the late night time zone is likely to have been used for entertainment by the party and may have an impulsive consumption tendency. Different weights can be applied to the settlement amount. Regarding transportation expenses, relatively cheap public transportation such as buses and subways are classified as positive items, while relatively expensive public transportation such as taxis are classified as negative items.

The fact that the online shopping mall is used is classified as a negative item when it exceeds a certain amount (500,000 won, 1 million won, 2 million won, etc.). On the other hand, in the case of purchasing goods in an off-line store or market, it can be classified as a positive item because it is determined that the product has been consumed stably.

The weights can be set variously according to the amount of use, the time zone, the sex, the presence of the worker, and the like.

The positive item, the negative item, the weight information, and the like may be preset and stored in the storage unit 130. The control unit 120 may generate a financial score card as shown in FIG. 4 based on the information stored in the storage unit 130. FIG. The financial scorecard may itself be provided as a second user terminal but is not limited thereto. For example, when various requests are input from the user, the control unit 120 may generate a report corresponding to a user request based on the financial score card.

5 is a diagram for explaining the operation of the server device providing the social activity report in detail.

According to Fig. 5, the server apparatus 100 may collect various data 51, 52, 53 from various sources. FIG. 5 shows a case where the cacao storyline account information 51, the Twitter account information 52, and the Facebook account information 53 are collected. The control unit 120 can access various social servers and collect data by using the name, age, and ID of the user included in the user information. The control unit 120 stores the collected data in the storage unit 130.

The control unit 120 extracts various keywords 510 from the data stored in the storage unit 130. [ Keyword 510 may include words associated with credit ratings, such as loans, gambling, unhealthy luxury, and the like. In addition, the keyword 510 may include words capable of profiling evaluation profiling. For example, various words, abuse, profanity, etc. related to joy and happiness can be detected by keywords.

The control unit 120 stores the detected keywords in the storage unit 130 and generates various reports 520 based on the stored keywords. Figure 5 illustrates a social toughness evaluation measurement report. The control unit 120 may analyze the keyword to generate a social toughness evaluation measurement report. For example, if the number of keywords associated with external activities is high, a high proportion of extroversion can be given to friendship or openness if the number of friends registered with a friend or the number of messages exchanged with the friend is large. In addition, you can also provide information on the main activity SNS, risk factors related to credit, and quality factors.

6 shows an example of a social score card generated based on a keyword extracted from the social media data. Referring to FIG. 6, the controller 120 divides the detected keywords into a plurality of characteristic groups according to their characteristics. The controller 120 divides each characteristic group into a predetermined positive item and a negative item, and performs scoring.

For example, in the case of a sincerity characteristic group that collects keywords related to integrity, keywords such as plan and purpose achievement are classified as positive items, and contents related to diseases, hospitals, luxury goods, and the like are classified as negative items.

A criterion for classifying the positive item, the negative item, and the like may be preset and stored in the storage unit 130. The social scorecard as shown in FIG. 6 may itself be provided to the user terminal device, but may also be used to generate various social activity reports.

As described above, the server apparatus 100 extracts keywords from financial data, social media data, and other data collected based on user information, and can provide various types of information based on the keywords. Such information may be displayed on the screen of the user terminal device 200. [

Hereinafter, various examples of the UI screen provided to the first or second user terminal will be described.

7 is an example of a UI screen provided when the user accesses the server device 100 using the first user terminal device 200. [

The UI screen 700 includes a plurality of tags 710 to 740. In FIG. 7, a total of four tags, such as the loan application tag 710, the evaluation report tag 720, the personal credit rating tag 730, and the operator registration / modification tag 740, The number may vary. When the user logs in, the server apparatus 100 judges whether the user is a lender or a person in charge of an institution according to the login information. When it is determined that the loan applicant has accessed the server device 100, the tags (for example, 720, 730, and 740) that the loan applicant can not confirm as shown in FIG. Alternatively, according to the embodiment, the evaluation report tag 720, the personal credit rating tag 730, and the operator registration / correction tag 740 are deleted from the UI screen provided to the lenders and only the loan application tag 710 Or other tags (e.g., loan application history, loan processing status, etc.) may be additionally displayed.

When the user selects the loan application tag 710, the user terminal device 200 displays an input screen for receiving user information. Various menus (711, 712, 713, 714) selectable by the user are displayed on one side of the input screen. In FIG. 7, a basic information menu 711, a bank information interlock menu 712, a card company information interlock menu 713, and a social account interlock menu 714 are displayed.

The input screen may include a personal information screen 715 for inputting personal information basically. However, the input screen is not necessarily limited to this, and the personal information screen 715 may be displayed when the user selects the basic information menu 711 . In the personal information screen 715, areas for inputting information on the user's name, date of birth, contact information, address, job name, residence type, vehicle presence, etc. are provided.

FIG. 8 shows an example of a configuration of an input screen for inputting various information related to a bank. When the user completes the personal information input or selects the bank information interlock menu 712, the input areas 810 and 820 for inputting the bank name, the use period, the ID, the password, the account number, Respectively. Also, connection menus 811 and 821 for connecting to the accounts of the respective banks are displayed together. When the user inputs various bank related information through the input areas 810 and 820 and then selects the connection menus 811 and 821, the input information is transmitted to the server 100. [ The server device 100 collects relevant data from the corresponding bank. The bank account can be made by an account scraping method in which a quick account inquiry is registered and by a scraping method through authentication of an authorized certificate. The screen of Fig. 8 is a screen for scrapping necessary data from the account in which the quick account inquiry is registered. When the connection menus 811 and 821 are selected, transaction details with other accounts in the corresponding bank are directly analyzed by the server device 100 and can be further connected.

If there are many banks that the user uses, an additional menu 830 may be selected. When the additional menu 830 is selected, the first user terminal 200 may further display an input area for inputting bank information and a connection menu for the input area.

9 shows an example of a configuration of an input screen capable of inputting various information related to a card company. When the user completes the input of the bank information or selects the card company interlock menu 713, the input areas 910 and 920 for inputting the card company name, period, card number, password, and the like are displayed. In addition, connection menus 911 and 921 for connecting with each card company and an additional menu 930 for adding an input area are also displayed.

When the user inputs various information through the input areas 910 and 920 and then selects the connection menus 911 and 921, the input information is transmitted to the server 100. [ The server apparatus 100 collects relevant data from the card company.

When the additional menu 930 is selected, the user terminal device 200 may further display an input area for inputting the card company information and a connection menu for the input area.

FIG. 10 shows an example of a configuration of an input screen for inputting various information related to a social account. When the user completes the inputting of the card company information or selects the social account linked menu 714, the information 1010-1040 about the social accounts that can be linked with the server apparatus 100, (1011 to 1014) are displayed. The server apparatus 100 can access the social servers providing the social accounts in which the connection menus 1011 to 1014 provide the selected social media data to collect the above-mentioned social media data. The collected social media data can be used for authenticity verification or propensity analysis of user information.

When inputting various information related to the social account is completed, the user can select the progress menu 1050. When the progress menu 1050 is selected, the server apparatus 100 collects various data based on the input user information, extracts keywords from the collected data, and performs various operations based on the keywords.

7 to 10, the user can input information while selecting one of the various menus 711 to 714 in the loan application screen, but the present invention is not limited thereto. For example, when the user inputs basic information, the screen may be automatically switched to a screen for inputting bank information, credit card company information, social account information, and the like. Accordingly, when the progress menu 1050 is selected after the completion of all information input, the process can proceed to the next step.

The server device 100 may collect relevant data and extract keywords and store the related data as described above using the user information input through the UI screen as shown in FIGS. In this state, when the person in charge accesses the server device 100 using the second user terminal device, various information is provided according to the selection of the person in charge.

11 to 17 show examples of various kinds of information provided to the second user terminal devices 300-1 to 300-m. Specifically, FIG. 11 shows an example of a screen displayed on the second user terminal devices 300-1 to 300-m when the evaluation report tag 720 is selected from a plurality of tags in the UI screen.

When the person in charge selects the evaluation report tag 720 directly, the user terminal device 200 can display the evaluation report page as shown in Fig. In the evaluation report page, a basic information menu 721, a financial information menu 722, and a social information menu 723 can be displayed. When the person in charge selects the basic information menu 721, the evaluation report page displays various user information 1100 input through the input screen, together with feedback information 1110 and 1120 indicating whether the user information is authentic or not . In FIG. 11, feedback information is displayed in the form of an icon. For example, the feedback information may include a first icon 1110 that indicates that the user information is genuine, a second icon 1120 that indicates that there is something to note about the user information, and so on. 11 shows a case where the second icon 1120 indicating this fact is displayed because the user's job name, rank, and final education are different from the information of other social sites.

When the second icon 1120 is displayed, the person in charge can notify the user to request correction, or refuse the loan application.

When the second icon 1120 is implemented as a selectable object, the server device 100 may provide detailed error information to the second user terminal device when the user selects the second icon 1120. [

According to this method, the user can receive the fact check by the server device 100 even if the user does not submit the certificate to the bank or the credit evaluation agency separately in the off-line. In addition, even without checking the certificate submitted by the user, the person in charge of the agency can easily recognize the part different from the user information.

Figures 12-15 illustrate examples of various financial reports. When the person in charge selects the financial information menu 722, the second user terminal can display various financial related reports shown in FIG. 12 to FIG. 15 sequentially or page by page.

12 shows the national pension payment information 1210 and the financial transaction summary information 1220. FIG. The server device 100 detects the name of the employee, the remuneration amount, the acquisition date, the lost day, the average monthly salary, etc. on the basis of the data collected from the national pension agency, and then generates the national pension payment information 1210 based on the detected name, It can be provided to the terminal device.

In addition, the server apparatus 100 analyzes the financial transaction contents based on the data collected from various banks, calculates an amount of money, an income source, an average transaction amount per day, an estimated realization fee, etc. and generates financial transaction summary information 1220 To the second user terminal device.

FIG. 13 shows an example of a keyword analysis report in which keywords detected based on the collected data are analyzed. According to FIG. 13, keywords 1311 such as capital, loan, savings, BB, etc. can be detected and the source information 1312 from which the keyword is extracted and the score 1313 for each keyword can be displayed together. In addition, a keyword addition area 1320 in which an administrator can arbitrarily add a keyword, score information 1330 for a keyword added by an administrator, and the like can be displayed together. The keyword analysis and scoring method has already been described with reference to FIG. 3 and FIG. 4, and thus a duplicate explanation will be omitted.

14 shows an example of a report on suspicious transaction history and traffic utilization analysis. According to FIG. 14, the server apparatus 100 separately extracts transaction details that may negatively affect the credit evaluation from the financial transaction details of the user, generates suspicious transaction history information 1410, Device. For example, if there is a settlement over a certain amount of time in the middle of the night (00:00 ~ 06:00) outside the normal activity time, and there is a transaction between the accounts, the transaction can be classified as suspicious transactions. It may also provide information 1420 related to traffic usage details.

FIG. 15 shows an example of a financial data list in which the entire financial data can be confirmed. Referring to FIG. 15, the server apparatus 100 may organize the entire financial data into a list 1500 and provide the list 1500 to the second user terminal. The user can check transaction details of a bank, a credit card company, a communication company, etc. at a glance through the financial data list 1500. Alternatively, the user can select various menus 1510 and sort by the bank transaction details, the card details, and the communication company approval details.

In the above, various financial reports are exemplified. The above-mentioned financial related reports are all displayed in one page so that the user can enlarge them, scroll through the pages, or check the page by page.

As described above, when the server device 100 has collected the social media information, the social activity report can be generated based on the collected information.

16 shows an example of a screen showing a result of analysis of social data. When the person in charge selects the social information menu 723 in the UI screen, the second user terminal can provide the social data analysis result report as shown in FIG. Behavior profile information 1610, personality profile information 1620, and the like may be included in the report. The behavior profile result information 1610 may be displayed by scoring the score (e.g., 2) by analyzing the social data within a predetermined period (e.g., 3 months).

Also, in the personality profile information 1620, various sample graphs may be displayed together with a graph indicating the nature of the user (e.g., Hong Kil-Dong) who is checking information.

Figure 17 shows an example of additional information that may be displayed together in a social data analysis result report. 17, significant point information 1630 that can be referred to when confirming personality profile information 1620, a data point 1640 that can be referred to when confirming behavior profile result information 1610, and the like can additionally be displayed .

The person in charge can check the social data analysis report to determine what characteristics of the applicant's personality or social activity are.

 When the personal credit rating tag 730 is selected from the tags in the UI screen, the server apparatus 100 performs credit evaluation using the financial data chart that charts the financial data for a predetermined period of time from the financial data of the user It is possible.

18 shows an example of a financial data chart. 18, the financial data chart includes a first bank transaction history curve 1810, a card transaction history curve 1820, a card balance curve 1830, a bank balance curve 1840, a total asset curve 1850, (1860). Linear trend line 1860 is a graph that linearly shows the trend of change in the user's assets. The linear trend line 1860 can be calculated using the least squares method.

The server apparatus 100 may detect a preset pattern on the financial data chart and perform a user credit evaluation based on the size and the number of the detected patterns to provide a credit evaluation result to the second user terminal. For example, in the financial data chart of FIG. 18, when a slope-in-pattern of the linear trend line 1860 is detected or a pattern or the like in which the total assets suddenly drop is detected more than a certain number, Can be reduced.

In addition, the server device 100 can perform credit evaluation in consideration of various factors such as an average of net value, average of expenditure to salary ratio, volatility of expenditure graph, number of expenses, and the like. The credit evaluation information may include various kinds of information such as credit rating, credit rating, credit card issuance and cancellation information, credit inquiry record, loan transaction information, financial order disposition case history, debt default information, .

19 shows an example of a screen showing personal credit evaluation information. When the person in charge selects the personal credit rating tag 730, the server device 100 provides the UI screen 1900 as shown in Fig. 19 to the second user terminal device. Referring to FIG. 19, a graph 1910, a text 1920, and the like indicating the credit rating of the user are displayed on the UI screen 1900. The person in charge can view the credit evaluation information and decide whether to lend or not. Alternatively, the credit rating information may be forwarded to the bank manager, or advice on the loan may be made based on the credit rating information.

Although the server device 100 receives user information from the first user terminal device 200 and provides various information to the second user terminal devices 300-1 to 300-m in the above description, The subject of information input and information confirmation is not necessarily different. For example, the system can be implemented as a system in which a user inputs his / her user information and directly confirm various information related to the user. In this case, the loan application tag 710, the evaluation report tag 720, and the personal credit rating tag 730 may all be activated in the UI screen of Figs. 7 to 10.

20 is a timing chart for explaining an information providing method according to an embodiment of the present invention. Referring to FIG. 20, when the first user terminal device 200 accesses the server device 100 (S2010), the server device 100 provides a web page (S2015). The web page is for receiving user information, and is referred to as a first UI screen for convenience of explanation.

A user of the first user terminal device 200, that is, a loan applicant, can input user information on a web page (S2020). The first user terminal device 200 provides the input user information to the server device 100.

The server apparatus 100 collects data from the external source apparatus 10 (S2030). The example of the source apparatus 10 has already been described in detail in the above section.

The server device 100 stores the collected data (S2035), detects keywords from the data, and stores the keywords (S2040).

Although not shown in FIG. 20, the server apparatus 100 can generate various types of information according to the collected data. For example, the information providing method may further include a step of generating a financial scorecard as described in Fig. 4 when financial data is included in the data related to the user information.

Alternatively, when the social media data is included in the data related to the user information, it may further include generating the social scorecard as described in FIG.

The generated financial scorecard or social scorecard may itself be provided to the second user terminal or may be used as a basis for other report generation.

When the second user terminal device 300 accesses this state (S2045), the server device 100 provides a web page to the second user terminal device 300 (S2050).

The web page may include a social data analysis result report generated based on at least one of a financial related report, a keyword, and a social scorecard generated based on at least one of a keyword and a financial score card, as described in the various embodiments described above, 1 UI information, and feedback information indicating whether the user information is authentic or not. For the sake of convenience of explanation, the second UI screen may be used.

The user of the server device 100, that is, the person in charge, can selectively check the above-described information by selecting various tags or menus displayed on the second UI screen (S2055).

In the above description, the HTML data is provided to provide information in the form of a web page. However, when an application is installed in a user terminal, the application and the server can interoperate to provide an information providing service.

21 shows a user terminal device in the form of a mobile phone equipped with an information providing application. Referring to FIG. 21, a user terminal device may display an icon 2101 corresponding to an information providing application. The user terminal device of Fig. 21 can be implemented by both of the above-mentioned loan applicant or apparatus used by the person in charge. When the user selects the icon 2101, the user terminal executes the information providing application and displays the execution screen 2110 thereof.

A processor (not shown) of the user terminal device executes the information providing application, accesses the server device 100 according to the execution command of the application, and receives the UI data. A GPU (Graphic Processing Unit) of the user terminal device renders the UI screen based on the UI data. Referring to FIG. 21, a user terminal device implemented with a mobile phone displays a mobile version UI screen 2110 different from the PC version. For example, the UI screen 2110 includes a plurality of menus 2111, 2112, 2113, and 2114. When the user selects each of the menus 2111, 2112, 2113, and 2114, the processor requests UI data corresponding to the menu selected for the server device 100, and reconfigures the UI screen. The contents displayed on the UI screen are the same as or similar to the contents described with reference to Figs. 7 to 10 or Figs. 11 to 17, and redundant description will be omitted.

22 is a flowchart illustrating an information providing method according to an embodiment of the present invention. Referring to FIG. 22, when the user information is input (S2210), the server apparatus collects data related to user information from external source devices (S2220), extracts keywords from the data and stores the extracted keywords (S2230). When the report confirmation request is input (S2240), the server generates and provides the requested report (S2250). The report confirmation request may be received from the user terminal device as described in the various embodiments described above, but may also be input directly from the server device itself.

The information providing method in Fig. 22 can be executed by a program. Thus, when the recording medium on which the program is stored is loaded in the electronic apparatus, the information providing method according to the various embodiments described above can be executed in the electronic apparatus.

Specifically, when the user information input from the first user terminal is received, data related to user information is collected and stored from at least one external source, a keyword is extracted from the collected data and stored, When the user terminal device accesses the second user terminal device, the second user terminal device provides at least one of the result of determination of authenticity of the user information and the report generated based on the keyword to the second user terminal device in response to the information confirmation request received from the second user terminal device A non-transitory computer readable medium may be provided on which the program for performing the steps sequentially is stored.

The method may further include the steps of: receiving user information; collecting related data from at least one external source related to the user information; extracting and storing keywords from the collected data; A program that sequentially performs the steps of generating a report corresponding to a user request may be stored in the non-volatile readable medium.

A non-transitory readable medium is a medium that stores data for a short period of time, such as a register, cache, memory, etc., but semi-permanently stores data and is readable by the apparatus. In particular, the various applications or programs described above may be stored on non-volatile readable media such as CD, DVD, hard disk, Blu-ray disk, USB, memory card, ROM,

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes in form and detail may be made therein without departing from the spirit and scope of the present invention.

100: server device 200: first user terminal device
300: second user terminal device 10: source

Claims (11)

In the server apparatus,
A communication unit for performing communication with a user terminal and at least one external source;
A control unit for collecting data related to the user information from the at least one external source when the user information input from the first user terminal is received through the communication unit and extracting keywords from the collected data; And
And a storage unit for storing the collected data and the keywords,
Wherein the data associated with the user information comprises social media data,
Wherein,
Determining whether the user information is authentic based on the collected social media data,
When the second user terminal device accesses the server device, a first icon indicating that the user information is authentic, which is a determination result of the authenticity determination of the user information according to the information confirmation request received from the second user terminal device, Providing feedback information including a second icon indicating that there is a note to the user information to the second user terminal device,
Wherein the collected data includes financial data,
Wherein,
A predetermined pattern is detected in a financial data chart obtained by charting the financial data, a user credit evaluation is performed based on the size and number of detected patterns, and a credit evaluation result is provided to the second user terminal , A server device. The method according to claim 1,
The data associated with the user information may include,
Financial data,
Wherein the control unit extracts the keyword from the financial data, divides the keyword into a predetermined positive item and a negative item for each extracted keyword, and generates a financial scorecard scored by applying a weight for each classified item. 3. The method of claim 2,
The control unit includes a server for extracting the keyword from the social media data, dividing the extracted keyword into positive items and negative items, and generating a social scorecard scored by applying a weight to each item, Device. The method of claim 3,
Wherein,
Providing a first UI screen for receiving the user information to the first user terminal when the first user terminal is accessed through the communication unit,
A financial related report generated based on at least one of the keyword and the financial score card when the second user terminal device accesses through the communication section, social data generated based on at least one of the keyword and the social scorecard And provides a second UI screen for notifying at least one of the analysis result report and the user information received through the first UI screen to the second user terminal. delete In a server device information providing method,
Collecting and storing data related to the user information from at least one external source when the user information input at the first user terminal is received;
Extracting and storing a keyword from the collected data;
Wherein the data related to the user information include social media data, and determining whether the inputted user information is authentic based on the collected social media data;
When the second user terminal device accesses the server device, a first icon indicating that the user information is authentic, which is a determination result of the authenticity determination of the user information according to the information confirmation request received from the second user terminal device, And providing feedback information including a second icon indicating that there is a note to the user information to the second user terminal device,
Wherein the collected data includes financial data,
The method of claim 1,
A predetermined pattern is detected in a financial data chart obtained by charting financial data among the collected data, a user credit evaluation is performed based on the size and the number of detected patterns, and a credit evaluation result is transmitted to the second user terminal And further provides the information to the device. The method according to claim 6,
When financial data is included in the data related to the user information, a financial scorecard is generated by scoring each of the keywords extracted from the financial data by applying a weight to each item classified into a positive item and a negative item The method comprising the steps of: 8. The method of claim 7,
Extracting the keyword from the social media data, dividing the extracted keyword into positive items and negative items, and generating a social scorecard scored by applying weights to the classified items, . 9. The method of claim 8,
Providing a first UI screen for receiving the user information to the first user terminal device when the first user terminal device accesses the server device; And
When the second user terminal device accesses the server device, generates financial reports based on at least one of the keyword and the financial score card, social data generated based on at least one of the keywords and the social scorecard And providing a second UI screen for informing at least one of the analysis result report and the user information received through the first UI screen to the second user terminal device. delete A non-transitory readable medium on which a program for executing an information providing method is stored,
The information providing method includes:
Receiving user information;
Collecting data related to the user information from at least one external source associated with the user information;
Extracting and storing a keyword from the collected data;
Wherein the data related to the user information include social media data, and determining whether the inputted user information is authentic based on the collected social media data; And
Generating a report corresponding to the user request based on the stored keyword when a user request for report confirmation is input,
Wherein the collected data includes financial data,
Wherein the generating the report comprises:
A feedback information including a first icon indicating that the user information is authentic and a second icon indicating that there is a note on the user information, which is a determination result of the authenticity of the user information when the user request is an information confirmation request, Generate,
A predetermined pattern is detected in a financial data chart obtained by charting financial data among the collected data and a user credit evaluation is performed based on the size and the number of detected patterns to generate a credit evaluation result The computer program product comprising: a computer readable medium;

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