KR101944302B1 - A financial design platform using open API and financial planner matching method using of the same - Google Patents

Abstract

The present invention relates to a financial design platform using an open API and a financial design platform using an open API for linking finance consumers and financial planners based on the open API, and a method of linking financial planners using the platform.
The present invention relates to an application management module for confirming whether or not an application installed in a terminal connected via wireless or wire communication is installed and for installing an application in a case of an uninstalled terminal, An asset management module for managing accounts; a financial information collection module for collecting the financial information of the affiliated member from an open API provided in the contracted open platform; and a financial information collection module for storing the financial information collected by the financial information collection module And the asset management DB for managing the asset management module. In the asset management account module, the affiliate member is divided into a financial planner and a financial customer, and the financial information collecting module, when the financial customer and the financial planner contact each other, To a financial consumer associated with a financial planner The financial information collected through the open API can be retrieved. According to the present invention, the non-face-to-face connection between the financial consumer and the financial planner can be performed more efficiently, and the consulting of the financial planner to the connected financial consumer can be facilitated.

Description

[0001] The present invention relates to a financial design platform using an open API and a method of linking a financial designer using the open API,

The present invention relates to a non-face-to-face connection between a financial consumer and a financial planner, utilizing a financial design platform utilizing an open API (Application Programming Interface) and an open API for linking finance consumers and financial planners Financial design platform, and how to connect financial planners using it.

In general, financial management refers to how assets are held and managed to secure liquidity, stability, and profitability of financial institutions, assuming liabilities such as deposits of financial institutions are given. In recent years, There is a growing interest in efficiently managing and multiplying their own financial resources.

However, companies lacking financial knowledge, especially individuals, tend to fall into the trap of various financial risks such as asset risk, credit risk, market risk, interest rate risk and liquidity risk.

To mitigate these risks, financial planners with specialized financial knowledge have been working with companies or individuals to prevent financial risks and to increase financial resources.

The financial planner identifies the customer's living environment, financial situation, and future plans to support the financial and asset design that suits the life cycle of the customer, and recommends solutions suitable for customers such as insurance products, funds, bank products and loans.

To this end, the financial planner identifies the financial environment of the client's family structure, occupation, and living environment, as well as income, expenditure, assets and liabilities.

Based on this information, we consult about risk management, savings and investment planning, gift and inheritance, old-age funds management, and tax measures to achieve the goals of future plans such as customer's marriage plan, child education plan and child marriage plan .

It also describes insurance, funds, bank products, loans, etc. as a short-term and medium-term solution for achieving the customer's goals, and recommends joining.

After selling the product to the customer, it provides information on the overall asset design such as the customer's investment policy, risk management, and tax saving, and provides the subscribers of the funds with analyzing the trend of the profit situation from time to time.

In order to perform the above-mentioned tasks, a financial planner and a company or an individual meet face to face or write a plurality of related documents through online.

In particular, when creating information for financial analysis, the number of entries is considerable, and the reliability of the entry information is not high. In addition, in the case of individuals, the financial planners have difficulty in operating due to their refusal to prepare related documents.

On the other hand, Korean Patent Registration No. 10-0760062 entitled " Financial Consulting System and Method Through Analysis of Total Assets of Customers " includes analyzing the entire asset of the customer based on various information provided by the customer, Techniques for analyzing and designing a financial goal plan are posted.

Although the above-mentioned prior art document provides an advantage that the comprehensive financial asset management can be performed by recommending financial products efficiently to customers, it is troublesome for the customer to directly input or provide the asset information, and the consulting system design structure And it is not possible to provide comprehensive consulting services by experts such as financial planners.

Also, Korean Patent Publication No. 2000-0072653 entitled " Personal Asset Management Service System " also integrates resources such as a web application server, a client server for financial transaction processing, an internet application, a web integration server, / Provides a network service system that can collectively manage non-financial personal assets.

In the preceding literature, there is a merit that it is possible to manage transaction records on asset change history and income / expenditure by storing and managing financial transaction performance data without user input on asset status, but a system configuration of a considerable size is required, There is a problem that the comprehensive consulting through the consulting can not be achieved.

KR 10-0760062 B1 KR 2000-0072653 A1

The object of the present invention is to provide a financial design platform utilizing an open API that enables financial consultants to be efficiently linked to financial consumers and financial planners.

Another object of the present invention is to provide a method of linking financial planners to connect financial customers and financial planners using the above-mentioned financial design platform.

The present invention relates to an application management module for confirming whether or not an application installed in a terminal connected via wireless or wire communication is installed and for installing an application in a case of an uninstalled terminal, An asset management module for managing accounts; a financial information collection module for collecting the financial information of the affiliated member from an open API provided in the contracted open platform; and a financial information collection module for storing the financial information collected by the financial information collection module And the asset management DB for managing the asset management module. In the asset management account module, the affiliate member is divided into a financial planner and a financial customer, and the financial information collecting module, when the financial customer and the financial planner contact each other, To a financial consumer associated with a financial planner The financial information collected through the open API can be inquired.

The contracted open platform includes bank joint-open platform, brokerage open platform, and financial product portal, and is capable of collecting financial information to be provided to financial consumers along with financial information of registered financial consumers.

The contracted open platform further includes an open platform of the National Tax Service, which is capable of collecting evidence of income tax deduction for financial consumers.

The information input through the application includes information on trends of financial consumers collected through a questionnaire item. The tendency information collected as described above is provided together with financial information to a financial planner in connection with consulting between a financial planner and a financial customer .

A method of linking a financial designer using a financial design platform, the method comprising: installing an application for inquiring financial information through a financial design platform; and registering members of a financial consumer and a financial planner through the application, An input step of inputting additional information of a financial consumer and a financial planner for linking consulting, whether or not the supplementary information inputted through the application is exposed, whether a financial consumer and a financial planner are requested to link with each other, And a list of financial customers whose link request is made through the application is exposed to a notification item of a financial planner, and when one of the exposed financial consumers is selected, Linkage phase in which the designer's link is accepted The financial planner connected through the linking step can inquire real-time financial information of the financial consumer linked through the open API using the application, thereby enabling financial management consulting to be performed.

If the member subscriber is a financial consumer, at least a questionnaire step for confirming the non-financial propensity is further performed. In the questionnaire step, consideration of financial customers' debt, investment considerations, expenditure psychology, family matters, It is characterized by collecting the total points of questionnaire items through aging related questionnaire items, analyzing the collected results, and analyzing the tendency of financial consumers for financial management.

Using the financial design platform according to the present invention, financial information directly inputted by financial consumers can be reduced considerably through the open API provided by the bank, the securities company, the financial supervisory authority, and the National Tax Service.

In addition, the financial information collected through the open API is collected in real time at the time of inquiry, and reliability of the inquiry result can be improved by utilizing the reliable financial information of the related institutions rather than the information inputted by the financial consumers.

In the present invention, the financial consumer can grasp his / her financial propensity and non-financial propensity through the related questionnaire items, and the inputted questionnaire items can be converted into the scores, so that the financial designer can grasp the comprehensive financial propensity, The tendency can be confirmed more accurately. Accordingly, the financial planner can provide more efficient financial consulting services according to the financial propensity of financial consumers.

In addition, a financial planner using the present invention can easily acquire various accurate financial information by utilizing an open API, and can utilize the open API to periodically guide the financial information related to the financial consumer to the customer, Can be provided more easily.

On the other hand, when utilizing the financial design platform according to the present invention, it is possible to access more accurate financial information of the financial consumer through the open API which is difficult to access personally, and the financial planner can use this structure to generate profit through sales of financial products In addition, it has the advantage of creating new revenue with items such as consulting fees and management fees.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram for explaining collection and inquiry of financial information through a financial design platform according to the present invention; FIG.
FIG. 2 is a diagram for explaining a process in which a financial consumer and a financial planner are linked using a financial design platform according to the present invention. FIG.
3 to 20 are execution screens of an application installed in a terminal of a financial consumer and a financial planner,
Figure 3 is an execution screen that is shown to guide loading and log-in and membership.
Figure 4 shows an execution screen that is shown to guide profile management and entitlement management.
FIG. 5 shows an execution screen displayed to understand the financial propensity of a financial customer.
FIGS. 6 and 7 are diagrams showing functional sections of questionnaire items displayed on the execution screen of FIG. 5; FIG.
FIG. 8 is an execution screen shown for identifying functional categories of an application according to the present invention; FIG.
9 is an execution screen according to a selection operation of the financial alerting function.
FIGS. 10 to 14 show execution screens displayed for financial status of each financial item associated with a financial planner.
15 is an execution screen according to a selection operation of financial information;
16 is an execution screen according to a selection operation of the tax calculator function.
17 is an execution screen according to the selection operation of the fan calculator function.
18 to 20 are execution screens according to the selection operation of the investment calculator function.

Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. It is to be understood, however, that the spirit of the invention is not limited to the embodiments shown and that those skilled in the art, upon reading and understanding the spirit of the invention, may easily suggest other embodiments within the scope of the same concept.

FIG. 1 is a view for explaining a collection and inquiry path of financial information through the financial design platform according to the present invention. FIG. 2 is a view showing a relationship between a financial customer and a financial planner using a financial design platform according to the present invention. FIGS. 3 to 20 show execution screens of an application installed in a terminal of a financial consumer and a financial planner.

Referring to these drawings, the financial design platform 100 according to the present invention is connected to a plurality of open platforms capable of providing financial information, collects financial information, and transmits the collected financial information to a financial consumer or a financial planner So that it can be inquired through the terminal 600.

In detail, the financial design platform 100 according to the present invention may be configured as a cloud server, and an application may be installed in the terminal 600 connected to the financial design platform 100 so that financial information can be inquired and managed .

To this end, the financial design platform 100 is provided with an application management module 400 and an asset management account module 200 for managing an account of a subscription member, a financial information collection module 200 for collecting financial information of a subscription member from the open platform, And an asset management DB 500 for storing and managing the collected information.

When the terminal 600 is connected to the financial design platform 100, the application management module 400 confirms whether the application is installed. If the terminal 600 is not installed, the application management module 400 displays an installation guide message, Lt; / RTI > Here, the terminal 600 may be any device capable of installing an application such as a smart phone or a PC, and may be provided with an application according to an operating system of the device.

When there is a change in the function or design of the application, the application installed in the terminal 600 can be maintained in the latest version by providing upgrade information and a related link reflecting the change.

The asset management account module 200 performs a function of receiving a unique ID, a password, and personal information of a registered member.

The personal information may include all the information that the subscriber enters by executing the application. The input information may include representative information (name, household number, resident number, date of birth, contact information, address, Anniversary information, etc.), spouse information, or dependent family information.

In the case of the financial planner 640, the asset management account module 200 distinguishes between the financial customer 620 and the financial planner 640 when a member is registered. In the case of the financial planner 640, A code may be assigned and included in the personal information.

In the case of the financial planner 640, as shown in FIG. 4, the credential may be included in the personal information in the form of an attached file. If the credential certificate is not included, Allow designers to be part of this platform.

The financial information collection module 300 accesses the open platform through the above-described manager code, requests information inquiry, and collects the requested information.

In the present invention, an open platform for requesting information inquiry through the financial information collection module 300 includes a bank note common open platform 840, a securities company open platform 860, and a Financial Supervisory Service financial product portal 880, A simplified service platform 820 may be further included.

For example, the present invention may include at least one of a balance inquiry API, a transaction history inquiry API, an account real name inquiry API, a deposit transfer API, a withdrawal transfer API, a user authentication API, and a management API via an open API provided by the bank note common open platform 840 To collect financial information. An additional description of the open API provided by the bank note common open platform 840 can be found at "https://twww.open-platform.or.kr/apt/content/openapi".

In order to use the open API as described above, the service can be used after the contract is concluded in the bank note joint open platform 840. In order to conclude the contract, a test of the service provided using the open API provided as described above, Security of the service and conformity diagnosis are performed.

Accordingly, the present invention collects financial information through the financial design platform 100, verifies the collected financial information, and performs an application test of a function of associating a financial designer with a financial consumer. Conformity was confirmed and conclusion of contract was completed.

In addition, the present invention provides data and services related to financial companies, related organizations, and pin-tec companies through an open API through a securities company open platform 860, and a further explanation about this is provided at "http://biz.koscom.co. kr / cpt / cmm / mainView.do ".

In addition, the present invention can collect financial information through the Financial Instruments and Supervisory Service (FSS) portal 880. The present invention can also collect financial information through a financial institution portal API 850, a financial company overview API, a time deposit product API, a savings product API, a pension savings product API, A loan product API, and a personal credit loan product API. Additional explanations can be found in "http://finlife.fss.or.kr/main/main.do".

In addition, in the present invention, the income deduction certification information can be collected through the tax service simplification service 820. In this open platform, there is provided an API for verification of forgery and falsification that can verify the forgery and falsification of the electronic document of the certificate of income deduction issued, and an API for extracting data contained in the certificate of income deduction certificate, //www.yesone.go.kr/ntsapi ".

Information collected from each of the open platforms described above through the financial information collection module 300 is stored in the asset management DB 500.

The asset management DB 500 may include a DBMS (Data Base Management System), and separately stores data in association with the asset management account module 200.

In addition, when the financial design platform 100 according to the present invention is configured as a cloud server, redundancy of a server or a backup server may be further provided to ensure stability.

Hereinafter, a process in which the financial consumer 620 and the financial planner 640 are linked using the financial design platform 100 having the above configuration will be described.

As shown in FIG. 2, when the financial customer 620 and the financial planner 640 are connected through wired or wireless communication, the application management module 400 checks whether the application is installed, And the installation steps in which the application is installed are performed.

When the installation of the application is completed through the installation step as described above, an input step of entering membership and additional information is performed.

In Fig. 3, an execution screen is shown to guide loading, login and membership, and Fig. 4 shows an execution screen that is shown to guide profile management and entitlement management.

Referring to these drawings, in the input step, a loading screen is displayed through an application, and then a login screen is displayed to confirm whether or not the user is a member. If membership is not established, An execution screen requesting a guidance consent is shown.

After the agreement of the Terms and Conditions is completed, the membership is made for individual members, business members, and financial planners. After completing the membership, additional items can be input through login.

At the time of inputting the additional item, at least one of the representative information of the member subscriber, the spouse information, or the dependent family information can be selected and inputted. In the case of the financial planner, various financial related licenses can be uploaded in a file form.

Meanwhile, in the present invention, when a member subscriber is a financial consumer, a survey step is performed to confirm at least the financial propensity and the non-financial propensity.

FIG. 5 shows an execution screen for grasping the financial propensity of a financial consumer. FIGS. 6 and 7 show a screen showing functionally separated questionnaire items displayed on the execution screen of FIG.

Referring to these drawings, in the questionnaire step, a total score of a question item is collected through consideration of financial customers' debt, investment considerations, expenditure psychology, family matters, and aging-related questions, And the financial consumer's tendency toward financial management can be grasped.

Meanwhile, after the questionnaire step is performed as described above, a selection step of selecting whether or not to expose the information is performed in order to link the financial consumer and the financial planner.

In the selection step, an item to be selected by the financial sector can be selected, and in the case of a financial consumer, a request for association with the exposure information can be selected.

The exposure items may include fields of interest such as tax, inheritance, investment, insurance, and retirement. In the financial design platform 100, a list of objects to be linked with financial customers whose exposure information is selected is formed.

When the linked LIST is configured in the financial design platform 100 as described above, an association step between the financial consumer 620 and the financial planner 640 can be performed.

8 shows an execution screen for checking the category of each function of the application according to the present invention. FIG. 9 shows an execution screen according to the selection operation of the financial alerting function, An execution screen is shown for checking the financial status of the inquiry item of the financial consumer associated with the designer.

Referring to these drawings, when an application is executed through the terminal 600, as shown in FIG. 8, a financial management, an investment calculator, a financial information, a tax calculator, a debt calculator, do.

When a menu item at the upper left of the terminal is selected, the functional items included in the individual items shown in the form of buttons can be identified.

On the other hand, when selecting the financial alerting item among the individual items, a link application LIST or an overcharge notification LIST is shown.

FIG. 9 shows a list of financial customers who want to match in the matching application LIST in the form shown in terminal 600 of a financial planner.

The LIST of over-consumption notification shows the list of financial consumers included in the over-consumption range of the financial consumers currently under the management of the financial planner. If the user selects one of the LISTs, a graph showing a comparison between the target usage amount and the usage amount of the selected financial consumer And the over-consumption status is confirmed.

On the other hand, when the financial planner selects one of the financial customers of the LIST shown, information such as the name, contact and financial management target of the selected financial consumer and the acceptance and rejection buttons are displayed together. If the acceptance button is clicked, The connection of financial consumers is completed. On the other hand, if the refusal button is pressed, the corresponding financial customer is excluded from the linked list.

When the connection is completed as described above, the financial design platform 100 stores the linkage information between the financial consumer and the financial planner, and the connection completion guidance is provided to the financial customer and the financial planner's terminal 600, respectively.

When the connection is completed as described above, the financial planner requests the financial information of the associated financial customer to the open platform.

The step of requesting financial information may be automatically requested by selecting one of the financial consumers associated with the financial planner through the application and selecting items such as financial status, cash flow, and financial ratio.

Meanwhile, when a request for financial information is made from the terminal 600 of the financial planner, the financial design platform 100 can access the bank joint open platform 840, The brokerage firm's open platform (860) requests financial information of the linked customer, and payment for the use of the open API is paid.

After the step of requesting the financial information is performed, a financial information collection step of receiving and storing the financial information of the financial consumer associated with each open platform is performed.

The financial information collection step requests and collects financial information in real time whenever the financial information request step is performed. The collected result is stored in the asset management DB 500 and can be provided to the terminal 600 of the financial planner have.

Meanwhile, when the financial information is collected through the financial information collection step, a consulting step is performed to perform financial consulting to the financial customer associated with the financial planner.

In the consulting step, the financial information of the financial consumer can be classified and identified by selecting the inquiry item through the terminal 600 of the financial planner.

In detail, when the financial planner selects the financial status table item through the application as shown in FIG. 11, the assets, liabilities and net asset items are shown in the financial status table, and items corresponding to the information collected in the financial design platform 100 Are automatically entered and displayed.

If an item that can not be inquired is selected, the input screen is displayed in a pop-up window, and the financial planner can confirm the contents of the input screen by confronting with the financial consumer or by confirming the corresponding contents by currency.

In addition, the application further includes a cash flow chart inquiry item for confirming the cash flow as shown in FIG. 12, and information collected in the inquiry item is automatically shown and can be easily confirmed.

In addition, the application further includes an item for setting a financial target as shown in FIG. 13, and when a financial goal item is selected, a pop-up window is displayed as an input screen, and a financial planner can write the content.

The application further includes an inquiry item for confirming the financial ratio as shown in FIG. 14, and the entire inquired contents can be stored as a file through a report output item and provided through means such as SNS or mail.

In addition, the application according to the present invention further includes various functions for performing more efficient consulting by a financial planner.

Fig. 15 shows an execution screen according to a selection operation of financial information.

In detail, when selecting the financial information shown in the application, the latest economic information and financial information disclosed on the online can be displayed in real time, and the financial planner can utilize such information in consulting.

In addition, the application includes various calculator functions that a financial planner can utilize in consulting.

FIG. 16 shows an execution screen according to the selection operation of the tax calculator function. FIG. 17 shows an execution screen according to the selection operation of the debt calculator function. FIGS. 18 to 20 show execution Screen is shown.

Referring to these figures, the tax calculator can be utilized immediately when the calculation of the transfer income is required in the consulting process.

In calculating the transferable income, transferable income is calculated by inputting the items such as the kind of transferable asset, holding period, name, taxable status and acquisition price.

In the case of a debt calculator, the debt is calculated by inputting the name and principal of the debt, the repayment date and interest rate, and the repayment method. In the case of the savings calculator, the type of savings, the name of the financial product, the target amount, A monthly savings amount can be calculated by inputting an item such as a selection.

In the case of the pension calculator, the expected pension receivable is calculated by inputting the current age and retirement age, the amount of saving in each month, the period of saving possible, the period of deposit, the return on investment, the inflation rate, and the return on investment.

In the case of the education expenses calculator, the amount of the monthly savings for the college tuition of the child is calculated by inputting the current age of the child, the remaining period until the entrance to the university, the return on investment, the rate of increase in education expenses, the return on investment and education, do.

Accordingly, the financial planner connected with the financial consumer according to the present invention can easily confirm the real-time financial information of the financial consumer associated with the financial design platform 100, And various calculator functions to perform the consulting step.

100 ........ Financial design platform 200 ........ Asset management account module
300 ........ Financial information collection module 400 ........ Application management module
500 ........ Asset Management DB 600 ........ Terminal

Claims (3)

delete A financial design platform comprising a financial consumer terminal, a financial planner terminal, and a cloud server,
An application management module for confirming whether or not an application installed in a terminal connected through wireless or wire communication is confirmed and installing an application in the case of a terminal not installed;
An asset management account module for managing an account of a subscription member through which the subscription is made through the application;
A financial information collection module for collecting the financial information of the subscription member from the open API provided in the contracted open platform;
And an asset management DB for storing and managing the financial information collected by the financial information collection module,
In the above asset management account module, the subscriber is divided into a financial planner and a financial customer,
According to the financial items selected by the financial consumer, a list of financial consumers'
If one of the financial consumers shown in the linked list is selected, the name, contact, financial management target and accept / reject button of the selected financial consumer are displayed on the terminal of the financial planner. If the acceptance button is clicked, The connection of financial consumers is completed,
The financial information collection module allows the financial designer to inquire financial information collected in real time through the open API only for the financial customer associated with the financial planner when the financial customer is consulted with the financial planner;
The contracted open platform includes a bank joint open platform and a brokerage open platform, enabling the collection of financial information of the subscribed financial consumers;
The contracted open platform includes a FSS portal to enable the collection of financial information to be provided to financial consumers;
The contracted open platform further includes the NTS open platform, enabling collection of evidence of income tax deduction for financial consumers;
The bank joint open platform includes a balance inquiry API, a transaction history inquiry API, an account real name inquiry API, a deposit transfer API, a withdrawal transfer API, a user authentication API, and a management API,
The brokerage open platform includes data and services of financial companies, related organizations and FinTech companies,
The Financial Instruments Portfolio of the Financial Supervisory Service includes a financial company summary API, a time deposit product API, a savings product API, a pension savings product API, a home equity loan API, a rental fund product API, and a personal credit loan product API,
The open platform of the National Tax Service includes an income deduction certificate information, an API for forgery verification, and an API for data extraction,
Wherein the terminal is shown as being individually selectable including financial management, investment calculator, financial information, tax calculator, debt calculator and financial alerting item;
The information input through the application includes trend information of a financial consumer collected through a question item,
The propensity information collects the total points of the question items including the thoughts on the debts of financial consumers, investment considerations, expenditure psychology, family related matters and aging related questions, To understand the tendency of financial consumers,
The tendency information collected as above is provided together with financial information to the financial planner in connection with consulting between financial planners and financial consumers;
These financial management items include financial statements, cash flow statements, financial objectives, financial ratios and report output functions,
The statement of financial position shows assets, liabilities and net assets,
These assets include cash and cash equivalents, periodic deposits, time deposits and investment assets,
The debt and net assets include short-term debt, credit card balance, negative bankbook, short-term credit balance and long-term debt,
The financial goal function is to input the financial goal, the required timing, the necessary funds, the preparation funds and the deficit funds,
The tax calculator provides a transfer income, an inheritance tax, a gift tax, an integrated income tax and a year-end settlement calculation function. The transfer income is calculated by inputting the transferred asset, the holding period,
The debt calculator calculates the debt by receiving the name of the debt, the principal, the due date, the interest rate and the repayment method,
The investment calculator includes a savings calculator, a pension calculator, and an education cost calculator,
The savings calculator calculates a monthly savings amount by receiving a savings type, a financial product name, a target amount, a saving period, an interest rate, and an isolation /
The pension calculator calculates an expected pension receipt based on the current age, the retirement age, the monthly savings amount, the savings available period, the deposit period, the return on investment, and the inflation rate,
The education cost calculator calculates an amount of monthly savings for the college tuition deposit based on the current age of the child, the period remaining until the admission of the child to the university, the return on investment rate, the rate of increase in education expenses, A financial design platform. delete

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