KR101917226B1 - Processing method and apparatus for financial instrument information - Google Patents

Abstract

A method for processing financial product information and an apparatus thereof are provided. According to an embodiment of the present invention, the method for processing financial product information includes the following steps of: obtaining effective financial product information including revocation condition information from an external database using an application programming interface (API) accessible to the external database; enabling the apparatus for processing financial product information to obtain account information of a user; enabling the apparatus for processing financial product information to compare the revocation condition information with the account information and determine to revoke the effective financial product information according to a comparison result; and enabling the apparatus for processing financial product information to transmit a guidance message about the effective financial product information to a user terminal according to revocation possibility. Accordingly, the present invention can provide financial product information which is difficult to be directly managed by the user to the user terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial product information processing method,

The present invention relates to a method and apparatus for processing financial product information.

Numerous financial products are being offered. In addition, most people are subscribing to multiple financial products.

A user who subscribes to a financial product has a system to identify and manage his / her subscribed financial products by accessing each system provided by a person who provides financial products. However, it is difficult to efficiently manage financial products by the providers' systems because the types of providers and financial instruments that provide financial products are so diverse and complex.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a financial product information processing method and apparatus for providing financial product information that is difficult to be directly managed by a user to a user terminal.

Another object of the present invention is to provide a financial product information processing method and apparatus for providing information through a user terminal to minimize damage caused by an invalidation by providing information on an invalid financial product.

The technical objects of the present invention are not limited to the above-mentioned technical problems, and other technical subjects not mentioned can be clearly understood by those skilled in the art from the following description.

According to another aspect of the present invention, there is provided a method for processing financial product information by a financial product information processing apparatus, the method comprising: receiving, from an external database, an API (Application Programming Interface) Acquiring information on an effective financial instrument of a user corresponding to an account connected to the financial product information processing apparatus; The financial product information processing apparatus comprising: acquiring information on a user's account; Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account of the financial product information processing apparatus; And transmitting, by the financial product information processing device, a guidance message related to the effective financial product determined to be revivalable, to the user terminal.

According to another embodiment, the revival condition information includes the non-payment history information and the periodic payment amount, and the step of determining the revival possibility includes a step of calculating the amount of increase in the account balance, When the amount of increase in the balance is larger than the periodic payment amount and the balance of the account is larger than the monetary amount of the temporary payment, the financial product information processing apparatus further comprises: And determining that the information is resurrectable.

According to another embodiment, the information on the effective financial instrument includes information on the first effective financial instrument and information on the second effective financial instrument, and the resurrect condition information includes information on the first effective financial instrument The second request amount for the second effective financial instrument and the second request amount for the second effective financial instrument, wherein the step of determining the resupply possibility comprises: determining a payable amount from the fluctuation of the balance and the balance; Comparing the first possible amount, the second required amount, and the sum total of the first required amount and the second requested amount; Comparing the priority of the first RRAS and the priority of the second RRAS in the case where the first RRAM is larger than the second required amount and smaller than the total amount, And transmitting the information message, the first effective instrument and may send the alert message to which the second priority ranking of the two effective instrument including information about the high one.

According to another embodiment of the present invention, when receiving the user identification information for the user, the API may retrieve and return the effective financial product information corresponding to the user identification information from the external database.

According to another aspect of the present invention, there is provided a method of processing financial product information by a financial product information processing apparatus, the method comprising: Acquiring information on an effective financial instrument of a user corresponding to an account connected to the financial product information processing apparatus from the external database, the information on the effective financial instrument including revocation condition information; The financial product information processing apparatus comprising: acquiring information on the account of the user; Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account of the financial product information processing apparatus; Generating revival strategy information on the effective financial instrument by using the balance or the change in the balance when the financial product information processing apparatus is determined to be impossible to revive the effective financial instrument; And transmitting the guidance message including the revival strategy information to the user terminal when the revival strategy information is generated by the financial product information processing apparatus.

According to another embodiment, the revival condition information includes the non-payment history information and the periodic payment amount, and the step of determining the revival possibility includes a step of calculating the amount of increase in the account balance, And a step of determining a monetary amount of payment using the non-payment history information.

According to another embodiment of the present invention, the step of generating the revival strategy information may include the step of, when the financial product information processing apparatus determines that the balance increase amount is smaller than the periodic payment amount, or if the balance of the account is smaller , It may generate the revival strategy information including the loan information.

According to still another embodiment, the step of generating the revival strategy information includes the step of the financial product information processing apparatus using the amount of increase in the balance and the balance to determine a loan amount, a loan term and an interest rate , And the loan information may include the loan amount, the loan term, and the interest rate.

According to another embodiment of the present invention, the financial product information processing apparatus further includes a step of receiving the automatic transfer item from the user terminal, wherein the step of determining the resume strategy information comprises: Determining a priority of the automatic debit item and the effective financial product when the priority of the automatic debit item is higher than the priority of the effective financial product; Determining the revival strategy information after excluding expenditure, and when the priority of the effective financial instrument is higher than the priority of the automatic transfer item, the expenditure on the automatic transfer item is excluded from the change in the balance or the balance And determining the revival strategy information without performing the revival strategy.

According to another embodiment of the present invention, the step of determining the priority includes acquiring information on an effective financial instrument corresponding to the automatic transfer item, calculating a first profit for the effective financial instrument, Wherein the step of transmitting the announcement message includes the step of canceling the setting of the automatic debit item when the second profit is larger than the first profit, And a link that can be set to revive the message.

According to an aspect of the present invention, there is provided an apparatus for processing financial product information according to some embodiments of the present invention. And a memory for storing one or more operations executed by the processor, wherein the one or more operations are performed by using an application programming interface (API) accessible to an external database, The information on the effective financial instrument of the corresponding user is obtained, the information on the effective financial instrument includes an operation including the revocation condition information; Obtaining information about the account of the user; Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account; And transmitting an information message to the user terminal regarding the effective financial instrument determined to be revocable.

According to an aspect of the present invention, there is provided an apparatus for processing financial product information according to some embodiments of the present invention. And a memory for storing one or more operations executed by the processor, wherein the one or more operations are performed by using an application programming interface (API) accessible to an external database, The information on the effective financial instrument of the corresponding user is obtained, the information on the effective financial instrument includes an operation including the revocation condition information; Obtaining information about the account of the user; Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account; An operation for generating revival strategy information on the effective financial instrument using the balance or the change in the balance when it is determined that reviving of the effective financial instrument is not possible; And transmitting, when the revival strategy information is generated, a guidance message including the revival strategy information to the user terminal.

There is provided a computer system for identifying information of a computer system recorded in a non-transitory computer-readable medium including computer program instructions executable by a processor in accordance with some embodiments of the present invention. Program, when the computer program instructions are executed by a processor of a computing device, using an application programming interface (API) accessible to an external database, Obtaining information on a financial product, the information on the effective financial product including revival condition information; Obtaining information on the account of the user;

Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account; And transmitting a guide message to the user terminal regarding the effective financial instrument determined to be revocable.

There is provided a computer system for identifying information of a computer system recorded in a non-transitory computer-readable medium including computer program instructions executable by a processor in accordance with some embodiments of the present invention. Program, when the computer program instructions are executed by a processor of a computing device, using an application programming interface (API) accessible to an external database, Obtaining information on a financial product, the information on the effective financial product including revival condition information; Obtaining information on the account of the user; Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account; Generating revival strategy information on the effective financial instrument using the balance or the change in the balance when it is determined that revival of the effective financial instrument is not possible; And transmitting, when the revival strategy information is generated, a guide message including the revival strategy information to the user terminal.

1 is a diagram for explaining a configuration of a system for processing financial product information using a financial product information processing apparatus according to some embodiments.
2 is a diagram illustrating a process for processing financial product information according to some embodiments.
3 is a diagram for explaining a process of processing financial product information according to another embodiment.
FIG. 4 is a diagram for explaining a method of calling an API (Application Programming Interface) and obtaining effective financial product information according to some embodiments.
5 is a diagram for explaining a method for acquiring account information according to some embodiments.
6 is a diagram for explaining an example of a method of acquiring account information and receiving a direct debit item according to another embodiment.
7 is a diagram for explaining a process of determining whether or not to be revived according to some embodiments.
8 is a diagram for explaining an example of a guidance message according to some embodiments.
FIG. 9 is a diagram for explaining a process for determining whether or not to execute the process of generating revival strategy information according to some embodiments.
10 is a diagram for explaining a process of generating revival strategy information and transmitting a guidance message according to some embodiments.
11 is a diagram for explaining an example of a guidance message including loan information according to some embodiments.
12 is a diagram for explaining a process of generating revival strategy information and transmitting a guidance message according to another embodiment.
13 is a diagram for explaining an example of a guidance message including revival strategy information according to another embodiment.
FIG. 14 is a diagram for explaining a process of processing financial product information when the effective financial product information includes information on a plurality of financial products according to another embodiment; FIG.
15 is a diagram for explaining an example of a guidance message including a part of information on a plurality of financial instruments included in the effective financial instrument information according to another embodiment.
16 is a diagram for explaining the structure of a server according to some embodiments.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. Also, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise. The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification.

Some embodiments of the present invention will now be described with reference to the drawings.

1 is a diagram for explaining a configuration of a system for processing financial product information using a financial product information processing apparatus according to some embodiments.

A system for processing financial product information according to some embodiments may include a financial product information processing device 100, a user terminal 110, and an external database 120.

The external database 120 refers to a database storing financial product information. Financial product information refers to information on status or history of financial products. Throughout this specification, a financial instrument is an item for which a user has to repay the amount repeatedly. For example, a financial instrument is an insurance product that pays predetermined premiums on a regular basis, a fund that pays a predetermined investment, a loan product that pays a predetermined amount, a periodic deposit that periodically deposits the amount accumulated, Credit card merchandise, etc. < / RTI > A financial instrument provider dealing with a financial instrument has a database in which the user has financial instrument information for the instrument to which the user subscribes for the provider. The external database 120 may be a database held on the provider side outside the financial product information processing apparatus 100.

The user terminal 110 refers to a device capable of transmitting / receiving data with information to / from a financial product information processing device and inputting / outputting information. For example, the user terminal 110 may be a tablet personal computer, an e-book reader, a desktop personal computer, a laptop personal computer, a netbook computer, , And a workstation.

The financial product information processing apparatus according to some embodiments may be configured in the form of a server 100. [ Throughout this specification, the server 100 may be a financial product information processing device. The server 100 according to some embodiments may obtain effective financial product information, which is information on an effective financial product from the external database 120. [ An effective financial instrument is a financial instrument that has lost its effect due to non-payment of the amount to be paid (for example, the premium of the insurance product or the amount of the periodic deposit) do. Therefore, the effective financial instrument information may include financial instrument identification information capable of identifying an effective financial instrument and revival condition information, which is information regarding the reviving condition of the effective financial instrument. The revocation condition information may include, for example, non-payment history information to determine the amount of a payment to be paid in order to recover the effect of the revoked financial instrument, and a periodic payment amount to be paid on a regular basis to maintain the effect . Here, the non-payment history information means information about an amount of money that has not been paid. For example, the non-payment history information may include at least one of an unpaid point, a total unpaid amount, and an unpaid period.

In addition, the server 100 according to some embodiments may acquire account information, which is information on an account to a user. The account information means information related to the account set up by the user to deposit in the financial institution. For example, the account information may include information on the current balance deposited in the account, and history of the balance such as the deposit and withdrawal history.

In addition, the account information may further include information on the automatic transfer item set for the account. The information on the automatic transfer item means information on the amount to be regularly expended from the account. The information on the automatic transfer item may include, for example, information on the transfer date and the transfer amount. According to some embodiments, the server 100 may obtain the account information from the financial institution system or server that manages the account of the financial institution. According to another embodiment, the server 100 may receive the account information through the user terminal 100. [ For example, the server 100 may receive information on an automatic transfer item or a balance through the user terminal 100. [ According to some embodiments, the server 100 may send a request to a financial institution system or server that manages the account so that the amount set from the account is automatically transferred at set intervals based on the automatic transfer item. That is, the server 100 may set the automatic transfer for the account according to the automatic transfer item input from the user. According to another embodiment, the server 100 may obtain the account information from the automatic transfer setting values stored in the server 100 itself or the account information from the plurality of sources.

The server 100 according to some embodiments may generate a guidance message on the effective financial product using the account information and the revival condition information on the effective financial product. The server 100 may transmit the guidance message to the user terminal 100. [

2 is a diagram illustrating a process for processing financial product information according to some embodiments.

First, in step S210, the server 100 may obtain effective financial product information from the external database 120. [ According to some embodiments, the server 100 accesses the external database 120 using an open application programming interface (API) provided by a provider that manages the external database 120 and obtains effective financial product information .

In addition, in step S220, the server 100 may obtain the account information of the user. According to an embodiment, the server 100 may receive user account information from a financial institution using the open API provided by a financial institution, or may input the user account information through the user terminal 100. [ Although step S220 in FIG. 2 is shown to be performed after step S210, step S220 may be performed prior to step S210 or may be performed in parallel with step S210 according to an embodiment.

Thereafter, in step S230, the server 100 can determine whether the effective financial product can be revived using the revocation condition information included in the account information and the effective financial product information. The resurrection possibility means whether or not the information on the account satisfies the revival condition included in the revocation condition information. Here, the server 100 can determine whether the effective financial product can be revived in consideration of the fluctuation of the balance or balance of the account and the reviving condition. For example, if there is no payment for four months for a savings-type insurance product that has a monthly premium of 50,000, the revival condition for the savings-type insurance product may be "the remaining balance of the account information is more than 200,000 won". Here, the margin balance may be the current balance. As another example, the margin balance can be a value that excludes expenditures for automatic transfer items that are expected to spend in the current balance. Here, the information on the current balance and the automatic transfer item may be a value included in the account information. That is, when the current balance included in the account information is 300,000 KRW and the expenditure set for the automatic transfer item is 80,000 KRW, the server 100 can calculate the free balance as KRW 220,000. Therefore, the server 100 can determine that the financial product of the effective financial product information can be revived because the surplus balance satisfies the revived condition. In this specification, the expression "decide to be revitalized for the effective financial information" means that the effective financial instrument is judged to be revivable.

Thereafter, in step S240, the server 100 may generate a guidance message for the effective financial product and transmit the generated guidance message according to the revivability determined in step S230. That is, the server 100 may transmit a guidance message including information on the financial product determined to be revivable to the user terminal in step S230.

In the case of a revoked financial instrument, the user may be liable for damages resulting from the expiration of the revocable period of time after the rescue period has elapsed and the proceeds of the contract can not be recovered. It is practically impossible to find and guide the contracts that have been revived among the many financial products but which can be revived by users. However, according to the process shown in FIG. 2, the server 100 collects information on the financial products that the user subscribed but has been revoked from among the financial products provided by the various providers, It is possible to solve the problem that the user can not recognize the financial product that can be resurrected and is damaged.

3 is a diagram for explaining a process of processing financial product information according to another embodiment.

The server 100 may acquire the effective financial product information in step S310 and obtain the account information of the user in step S320. Step S310 is the same as step S210, and step S320 may be the same process as step S220.

Thereafter, the server 100 may compare the effective financial product information with the account information in step S330. That is, the server 100 can determine whether the change in the balance or balance of the account satisfies the revival condition included in the effective financial product information. According to the result of the comparison, the server 100 can determine whether the valid financial product information can be revived. If the server 100 determines that the revoked financial product can be revived, the server 100 may generate a guidance message for the revoked financial product and transmit the generated guidance message to the user terminal.

On the other hand, when the account information does not satisfy the revival condition based on the effective financial product information, the server 100 may generate revival strategy information in step S355. The revival strategy information is information for making the account information satisfy the revived conditions. That is, the revival strategy information means information having a change value for the account information. For example, the server 100 may retrieve loan information related to the financial product that has been invalidated from the external database 120 using the financial product identification code included in the effective financial product information in the account information. Here, the server 100 determines whether or not the sum of the loan ceiling amount included in the loan information and the current balance of the account information is larger than the monetary amount included in the revocation condition information and / or the interest amount calculated on the basis of the interest rate included in the loan information The validity determination process may be performed to determine whether the revival strategy information is valid depending on whether the profit amount included in the effective financial product information is greater or not.

When the server 100 generates effective revival strategy information that can change the account information so as to satisfy the revocation condition in step S355 (S365), the server 100 generates a guidance message including revocation strategy information in step S375 To the user terminal 100.

4 is a diagram for explaining a method for a financial product information processing apparatus to call an API and obtain effective financial product information according to some embodiments.

According to some embodiments, the server 100 may call the API 420 to access the external database 120 and query the effective financial information at step S210 of FIG. In calling the API 420 for inquiring the effective financial product information, the server 100 may input the value of the input parameter 410 to the API 420 for inquiring the effective financial product information. The input parameter 410 may be information for configuring a query for inquiring the effective financial product information from the external database 120. [ For example, the input parameter 410 may be user identification information of a user who wants to inquire the effective financial product information.

The API 420 for inquiring the effective financial product information is called by the server 100 to receive the value of the input parameter 410 and the value of the output parameter 430 corresponding to the value of the input parameter 410 It can be retrieved from the external database 120 and returned.

5 is a diagram for explaining a method for acquiring account information according to some embodiments.

According to some embodiments, the user terminal 110 may register the user identification information in the server 100 in step S510. For example, the user terminal 110 may register the user identification information in the server 100 by performing the membership process of the server 100. [

In step S520, the server 100 may transmit the account information request including the user identification information to the financial institution server 500. [ The financial institution server 500 receiving the account information request can perform the user authentication process (S530) using the user identification information included in the account information, and inquire the account information corresponding to the user identification information.

When the user authentication process 530 is completed, the financial institution server 500 can transmit the inquired account information to the server 100 in step S540.

According to another embodiment, the server 100 may obtain the account information from the information input to the user terminal 110. [ 6 is a diagram for explaining an example of a method of acquiring account information and receiving a direct debit item according to another embodiment.

According to the present example, the user terminal 110 may output a user interface including an account identification information area 610, a balance information area 620, and a debit setting information area 630. [

The account identification information area 610 indicates an area for inputting information such as an account number that can identify an account. The balance information area 620 indicates an item in which the user inputs a numerical value or the balance information of the inquired account is displayed using the value input in the account identification information area 610. [

The automatic transfer setting information area 630 indicates an item for inputting information on the automatic transfer item to be set by the user for the account input in the account identification information area 610. [ The automatic transfer item may be not only a financial instrument but also information on other periodic expenditures such as payment of utility bills, membership fees, or tribute expenses. According to the present example, the automatic transfer setting information area 630 may include areas for inputting the transfer name, the amount to be transferred, the time of transfer, and the lower limit of the amount of money to identify the automatic transfer item. Here, the lower limit of the balance means a threshold value set in the account so that the automatic transfer is not executed when the balance of the account becomes lower than the lower limit of the balance when the automatic transfer is executed according to the automatic transfer item.

The server 100 may request the financial institution server to set an automatic transfer for the account using the value input to the user terminal 110. [ In addition, the server 100 receives an input value to the user terminal 110, and thereby receives an account, including an automatic transfer item including information for identifying the account, balance of the account, and periodic expenditure of the account Information can be obtained.

7 is a diagram for explaining a process of determining whether or not to be revived according to some embodiments.

The server 100 according to some embodiments may determine the amount of increase in the balance and the monetary amount of the monetary amount at step S710 after step S330 of FIG. Here, the server 100 can calculate the increase amount of the balance using the account information. For example, the server 100 may receive from the user terminal 110 information on a periodic deposit amount (for example, a monthly salary) for the automatic transfer item and the account. In this case, the server 100 may store the account information including the information on the automatic transfer item and the periodic deposit amount. The server 100 can determine the difference between the periodical deposit amount and the expenditure included in the automatic transfer item as the amount of increase in the balance. In another example, the server 100 extracts items that are periodically repeated among the deposit-and-withdrawal history included in the account information, and adds a value obtained by dividing the deposit amount or withdrawal amount of each of the extracted items by the period in which the item occurs Can be determined by the amount of increase in the balance. For example, when the deposit / withdrawal history included in the account information includes an item in which the deposit and withdrawal history are repeatedly deposited from A per month and an item in which 500,000 won is repetitively withdrawn to B every two months, the server 100 750,000 won can be decided by the amount of increase in the balance.

In addition, the server 100 can determine the monetary amount of money to be paid using the revival condition information included in the effective financial product information. For example, the server 100 may calculate the amount of the unpaid amount from the effective financial instrument information, and may determine the amount of the unpaid amount to be a monetary amount of money.

Thereafter, in step S720, the server 100 may determine whether the amount of increase in the balance is equal to or greater than the periodic payment amount included in the revived condition information. Here, the periodic payment value refers to the amount that the user has to pay on a regular basis in case the revived financial product is revived. If the amount of increase in the balance is smaller than the periodic payment amount, there is a possibility that even if the financial product is revived again, the server 100 according to some embodiments judges that the revoked financial product is not revocable and performs step S355 .

If the amount of increase in the balance is equal to or larger than the periodic payment amount included in the revived condition information, the server 100 may determine in step S730 whether the current balance included in the account information is equal to or larger than the predetermined amount. If the current balance is smaller than the monotone amount, the server 100 may determine that the revoked financial instrument is not revocable and perform step S355.

If the balance increase amount is equal to or larger than the periodic payment amount included in the revived condition information and the current balance included in the account information is equal to or larger than the monotone amount, the server 100 determines that the effective financial information is revivalable in step S740, Can be performed.

The guidance message transmitted to the user terminal 110 in step S350 of FIG. 3 may be generated using the effective financial product information determined to be revivable. 8 is a diagram for illustrating an example of a guidance message 810 according to some embodiments. Referring to FIG. 8, the guidance message 810 according to the present exemplary embodiment may include the name of the failed financial product, the amount of loss that would be incurred if the revoked financial product was not revived, and the predetermined amount to be paid and the periodic payment amount. According to some embodiments, the server 100 may be able to announce the guidance message 810 by inserting at least some of the effective financial product information into a predetermined template. In addition, the guidance message 810 may further include a link to a page requesting revival of the revoked financial product and setting up automatic transfer of the financial product according to the effective financial product information. 8, the link may be included in the guide message 810 in the form of a button 820, but may be included in the guide message 810 in another form.

FIG. 9 is a diagram for explaining a process for determining whether or not to execute the process of generating revival strategy information according to some embodiments.

According to some embodiments, the server 100 may calculate a remaining period for the effective financial product information (S910). The remaining term is the period remaining until the annulment of the revoked financial instrument is terminated.

Thereafter, in step S920, the server 100 may compare the remaining period and the announcement period. Here, the guide period may be a predetermined value. According to some embodiments, the server 100 may perform step S355 only if the remaining time limit is less than the announcement time limit.

10 is a diagram for explaining a process of generating revival strategy information and transmitting a guidance message according to some embodiments.

To generate the resume strategy information, the server 100 may acquire the loan information in step S1010. Here, the loan information may include information on a loan limit and an interest rate. According to some embodiments, the server 100 can inquire loan information about an effective financial instrument from the external database 120. [ For example, the server 100 can inquire from the external database 120 about the loan information corresponding to the identification information that can identify the financial product that has been revoked. According to another embodiment, the server 100 may determine the loan information using the account information. For example, the server 100 may determine the user's rating according to the history of the account included in the account information, and determine the loan limit and the interest rate corresponding to the determined rating. That is, the server 100 can determine loan information having a longer loan period, a higher loan limit, and a lower interest rate as the balance included in the account information steadily increases and the current balance increases.

Thereafter, in step S1020, the server 100 may generate revival strategy information including the obtained loan information. For example, if the current balance included in the account information is 200,000 KRW, and the one-time payment based on the revocation condition information is one million KRW, the server 100 generates revocation strategy information including loan information with a loan limit of 800,000 KRW or more can do.

Here, the server 100 can determine whether the generated revival strategy information is valid information. For example, in order to judge the validity of the revival strategy information, the server 100 may calculate the amount of the loss at the time of cancellation determined based on the refund amount at maturity included in the effective financial product information and the rate at the time of withdrawal. In addition, the server 100 can calculate the interest amount determined based on the loan amount and the interest rate of the loan commodity. The server 100 can judge that the revival strategy information is valid when the amount of loss is large when the interest amount is more than the interest amount.

Thereafter, in step S1030, when effective revival strategy information is generated, the server 100 may generate a guidance message including revival strategy information and transmit the generated guidance message to the user terminal 110. [

11 is a diagram for illustrating an example of a guidance message 1110 including loan information according to some embodiments. Referring to FIG. 11, the guidance message 1110 including loan information may further include loan information in the effective financial product information. Further, the guidance message 1110 may further include a link for applying for a loan based on the loan product. Alternatively, the guidance message 1110 may further include a link to cause the phone application or instant messenger to run so that it can be associated with an agent.

12 is a diagram for explaining a process of generating revival strategy information and transmitting a guidance message according to another embodiment.

First, in step S1210, the server 100 may receive information on the automatic transfer item through the user terminal 110. [ For example, the server 100 may receive from the user terminal 110 the information on the automatic transfer item input to the user terminal 110 using the user interface shown in FIG.

Thereafter, in step S1220, the server 100 may determine the priority of the automatic transfer item and the effective financial product information. For example, the server 100 can determine that the transfer subject has a high priority in the case of the automatic transfer item that causes a hindrance to the life when the transfer fee is not executed, such as the communication fee, the electricity tax, and the like. In another example, the server 100 can determine that the longer the paid-in period, and / or the higher the interest rate, the higher the priority of the effective financial product information. Thereafter, in step S1230, the server 100 can compare the effective financial product information with the priority of each automatic transfer item.

As another example, if the automatic transfer item is related to a financial product, the server 100 may obtain valid financial product information regarding the financial product in step S1220. Here, the server 100 may acquire valid financial product information by calling an API for inquiring valid financial product information from the external database 120, but the present invention is not limited thereto. The effective financial instrument information may include information such as the interest rate or the amount of payment for a valid financial instrument. Here, the server 100 calculates a first profit that can be obtained through a valid financial product using the effective financial product information and a second profit that can be obtained when the effective financial product is revived using the effective financial product information Can be calculated. Thereafter, in step S1230, when the second profit is larger than the first profit, the server 100 may determine that the priority of the effective financial product information is higher than the priority of the automatic transfer item.

If the priority of the effective financial product information is not higher than the priority of the automatic transfer item, the server 100 determines the revival strategy information by considering the automatic transfer item in step S1245, and determines the revival strategy information including the revival strategy information determined in step S1255 And may transmit the guidance message to the user terminal 110. [

If the priority of the effective financial product information is higher than the priority of the automatic transfer item, the server 100 may determine the revival strategy information in step S1240 by excluding the expenditure on the automatic transfer item included in the account information. For example, if the account information includes the automatic balance item with current balance of 500,000 won and expenditure of 300,000 won included in the account information, the possible amount of payment is 200,000 won, It can be judged that revival is impossible for the information on the effective financial instruments. However, when the expenditure of the automatic transfer item is excluded, the amount of money that can be paid is 500,000 won, so that the server 100 can determine the revival strategy information to cancel the automatic transfer item and resume the lost financial product.

If the revocation strategy information is determined excluding the expenditure on the automatic transfer item in step S1240, the server 100 includes a link to the page for revoking the automatic transfer item in step S1250 and requesting revival of the effective financial product information To the user terminal 110. The user terminal 110 may transmit the guidance message to the user terminal 110 via the network.

13 is a diagram for explaining an example of a guidance message 1310 including revocation strategy information for revoking a automatic transfer item according to another embodiment. According to the present embodiment, the guidance message 1310 may include information on the result of comparing the profit or priority of the debit item with the effective financial instrument. In addition, the guidance message 1310 may include a link 1320 leading to a page requesting revocation of the automatic transfer item and a link 1330 leading to a page requesting revival of the revoked financial product. have.

FIG. 14 is a diagram for explaining a process of processing financial product information when the effective financial product information includes information on a plurality of financial products according to another embodiment; FIG.

The server 100 may determine a demanded amount for each effective financial instrument after step S330 in FIG. 3 (S1410). Here, the requested amount may include at least one of the monetary amount of the temporary payment and the value of the regular deposit amount.

Thereafter, in step S1420, the server 100 can determine the payable amount based on the account information. For example, the server 100 may determine a payable amount that includes at least one of an amount of money remaining in the current balance excluding the expenditure of the automatic transfer item and a balance increase amount.

Thereafter, in step S1430, the server 100 can compare the total amount obtained by summing the requested amount and the payable amount. If the total amount is larger than the payable amount, the server 100 can first determine the effective financial product whose requested amount is smaller than the payable amount in step S1440 because all the failed financial products can not be revived. Thereafter, the server 100 may compare the priorities of the determined effective financial instruments (S1450). That is, for example, if the effective financial instrument information includes the first effective financial instrument information and the second effective financial instrument information, and the payable amount is larger than the first demand amount and the second demand amount and smaller than the total amount, The server 100 may compare the priority of the first RMA information and the priority of the second RMA information. Here, the server 100 may calculate the expected profit for each effective financial instrument information and determine the priority according to the profit.

Thereafter, the server 100 compares the priorities of the determined effective financial product information (S1450). In step S1460, the server 100 guides the revival of some of the plurality of financial products included in the effective financial product information, To the user terminal 110. The user terminal 110 may transmit the guidance message to the user terminal 110 via the network.

FIG. 15 is a view for explaining an example of a guidance message 1510 for guiding revival strategy information including a part of information on a plurality of financial instruments included in the effective financial product information according to another embodiment.

The guidance message 1510 may include information on some of the plurality of financial instruments included in the effective financial instrument information. Further, the guidance message 1510 may further include an object 1520 for requesting revival of some financial products and setting up automatic transfer to the account.

16 is a diagram for explaining the structure of a server according to some embodiments.

16, a server 100 may include one or more processors 1610, memory 1620, storage 1630, and network interface 1640. The processor 1610, the memory 1620, the storage 1630 and the network interface 1640 can send and receive data via the system bus 1650.

The processor 1610 executes each operation that executes a computer program to perform an operation included in the computer program loaded into the memory 1620. [ The memory 1620 loads the computer program from the storage 1630. The computer program may include an operation to call the effective financial product information acquisition API 1621 to obtain effective financial product information. In addition, the computer program may further include an account information acquisition operation 1622, a revocation enabling determination operation 1623, and a guidance message transmission operation 1624. [

The server 100 can access the external database 120 connected to the network 10 via the network interface 1640 by calling the effective financial product information acquisition API 1621 using the user information 1631 stored in the storage 1630 as an input value. The information on the effective financial product can be obtained from the financial institution. The obtained effective financial product information may be stored in the storage 1630.

The server 10 can acquire the account information through the network interface 1640 or read the account information such as the automatic transfer item 1632 stored in the storage 1630 when the account information acquisition operation 1622 is performed. The server 10 may integrate the account information obtained through the plurality of paths and store the collected account information in the storage 1630 by matching with the user information 1631.

When the resumable possibility determination operation 1632 is performed, the server 100 may compare the obtained effective financial product information with the account information to determine whether the effective financial product information can be revived. When the resumable availability determination operation 1632 is performed, the server 100 may include a revival strategy information generation operation performed when it is determined that revival of the effective financial product information is impossible based on the current account information.

When the guidance message transmission operation 1624 is performed, if it is determined through the interface 1640 that the effective financial product information can be revived based on the current account information, the server 100 transmits a guidance message on the effective financial product information to the user To the terminal 110. Alternatively, when the revival strategy information is generated, the server 100 may transmit a guidance message regarding the revoked strategy information and the effective financial product information to the user terminal 110. [

The methods according to the embodiments of the present invention described above may be implemented as operations performed by the execution of a computer program embodied in computer readable code. The computer program may be transmitted from a first computing device to a second computing device via a network, such as the Internet, and installed in the second computing device, thereby enabling it to be used in the second computing device. The first computing device and the second computing device all include a server device, a physical server belonging to a server pool for cloud services, and a fixed computing device such as a desktop PC.

The computer program may be stored in a recording medium such as a DVD-ROM, a flash memory device, or the like.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, I can understand that. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

Claims (14)

delete delete delete delete The financial product information processing apparatus acquires information on the effective financial product of the user corresponding to the account accessed from the external database using the API (Application Programming Interface) accessible to the external database, Wherein the information about the effective financial instrument includes the revival condition information;
The financial product information processing apparatus comprising: acquiring information on the account of the user;
The financial product information processing apparatus further comprising: receiving an automatic transfer item;
Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account of the financial product information processing apparatus;
Generating revival strategy information on the effective financial instrument by using the balance or the change in the balance when the financial product information processing apparatus is determined to be impossible to revive the effective financial instrument; And
And transmitting, when the revival strategy information is generated, the guidance message including the revival strategy information to the user terminal,
Wherein the step of generating the revival strategy information comprises:
Wherein the financial product information processing apparatus includes a step of determining a priority order of the automatic debit item and the effective financial product,
When the priority of the automatic debit item is higher than the priority of the effective financial product, the resumption strategy information is determined after excluding the expenditure on the automatic debit item in the change of the balance or the balance, When the priority of the automatic debit item is higher than the priority of the automatic debit item, determining the revival strategy information without excluding the expenditure on the automatic debit item in the change of the balance or the balance.
Method for processing financial product information. 6. The method of claim 5,
The revocation condition information includes:
The non-payment history information and the periodic payment value,
The method of claim 1,
Wherein the financial product information processing apparatus calculates an amount of increase in the account balance and determines a monetary amount of money to be paid using the non-payment history information,
Method for processing financial product information. The method according to claim 6,
Wherein the step of generating the revival strategy information comprises:
Wherein the financial product information processing device generates the revival strategy information including loan information when the amount of increase in the balance is smaller than the periodic payment amount or the balance of the account is smaller than the monetary amount of the temporary payment,
Method for processing financial product information. 8. The method of claim 7,
Wherein the step of generating the revival strategy information comprises:
Wherein the financial product information processing apparatus includes a step of determining a loan amount, a loan term and an interest rate using the balance increase amount and the balance,
Wherein the loan information includes the loan amount, the loan term and the interest rate,
Method for processing financial product information. delete 6. The method of claim 5,
Wherein the determining the priority comprises:
Obtaining information on an effective financial instrument corresponding to the automatic transfer item;
Calculating a first profit for the effective financial instrument and a second profit for the effective financial instrument,
The transmitting of the announcement message comprises:
And transmitting the guidance message including a link capable of setting the automatic debit item to be revoked and reviving the effective financial product when the second profit is greater than the first profit,
Method for processing financial product information. delete A processor; And
A memory for storing one or more operations performed by the processor,
Wherein the one or more operations comprise:
The information about the effective financial instrument corresponding to the account accessed through the user terminal from the external database is obtained using an API (Application Programming Interface) accessible to the external database, Operations involving information;
Obtaining information about the account of the user;
An operation for receiving an automatic transfer item;
Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account;
An operation for generating revival strategy information on the effective financial instrument using the balance or the change in the balance when it is determined that reviving of the effective financial instrument is not possible; And
And transmitting, when the revival strategy information is generated, a guide message including the revival strategy information to the user terminal,
Wherein the operation for generating the revival strategy information comprises:
An operation for determining the priority of the automatic debit item and the effective financial instrument,
When the priority of the automatic debit item is higher than the priority of the effective financial product, the resumption strategy information is determined after excluding the expenditure on the automatic debit item in the change of the balance or the balance, If the priority of the automatic debit item is higher than the priority of the automatic debit item, determining the revival strategy information without excluding the expenditure on the automatic debit item in the trend of the change in the balance or the balance.
Financial product information processing device. delete A computer program for identifying information in a computer system recorded in a non-transitory computer readable medium comprising computer program instructions executable by a processor, the computer program instructions being executable by a processor of a computing device If the,
The information about the effective financial instrument corresponding to the account accessed through the user terminal from the external database is obtained using an API (Application Programming Interface) accessible to the external database, Information;
Obtaining information on the account of the user;
Receiving an automatic transfer item;
Determining whether the effective financial instrument can be resumed in consideration of a change in the balance or balance of the account;
Generating revival strategy information on the effective financial instrument using the balance or the change in the balance when it is determined that revival of the effective financial instrument is not possible; And
And transmitting the revocation strategy information to the user terminal when the revocation strategy information is generated,
Wherein the step of generating the revival strategy information comprises:
Determining a priority of the automatic transfer item and the effective financial instrument,
When the priority of the automatic debit item is higher than the priority of the effective financial product, the resumption strategy information is determined after excluding the expenditure on the automatic debit item in the change of the balance or the balance, When the priority of the automatic debit item is higher than the priority of the automatic debit item, determining the revival strategy information without excluding the expenditure on the automatic debit item in the change of the balance or the balance,
Computer program.

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