KR102085837B1 - System for providing finance supporting service, method and apparatus for providing finance supporting service in the system - Google Patents

Abstract

The present invention relates to a method for providing a context-based financial support service and an apparatus therefor, wherein the apparatus for managing financial support information according to the present invention collects sensing information collecting module for collecting physical information and logic information through one or more sensors. Based on the plurality of sensing information, a context information extraction module for extracting a plurality of user context information occurring during a certain period, a consumption pattern confirmation module for deriving a user's consumption pattern that occurs repeatedly based on a plurality of user context information It includes a financial support information management module for providing financial support information based on the derived consumption pattern of the user. This allows the user to be provided with financial support information that matches his or her consumption pattern.

Description

Context-aware financial support service providing system, a method of providing financial support service in the system and a device therefor {SYSTEM FOR PROVIDING FINANCE SUPPORTING SERVICE, METHOD AND APPARATUS FOR PROVIDING FINANCE SUPPORTING SERVICE IN THE SYSTEM}

The present invention relates to a system for providing a financial support service, and in particular, collects consumption information of a user, recognizes a repeated consumption pattern, and uses the recognized consumption pattern to provide information that can be linked to consumption according to the current user's situation. A method and apparatus for providing a context-aware financial support service for notifying a user are provided.

The basic concept of ubiquitous computing, which is being actively studied recently, means that various resources can be accessed and controlled through the internet network anytime and anywhere. As such, a space capable of ubiquitous computing can be defined as a smart space, and the recent smart space is rapidly expanding due to the development of a ubiquitous network. As these smart spaces expand, the necessity of situational awareness technology that can grasp the user's intention in the smart space and provide a suitable service to the user is also increasing. Such context-aware technology refers to a technology that collects logical and physical contextual information related to users scattered around a user and recognizes a user's context based on the collected contextual information. In addition, it is a time when many services using the situation awareness technology are developed.

On the other hand, there are many services that provide information related to consumer spending, such as the household account book, but the current consumer spending related services are provided only as a one-way service, such as a service that functions as an electronic household account book to check and organize the spending history There is a situation.

Accordingly, there is a demand for technology development that can provide consumption-related information suitable for a user's consumption pattern.

Registered Korean Patent Publication No. 2000-0064085, Oct. 18, 2010 (Name: Personal financial management method using a household account book and a computer-readable recording medium recording the method)

The present invention has been proposed to solve the above-described problems, and collects a variety of information related to the user's payment information and spending environment, and recognizes the consumption pattern of the user based on the collected information, the consumption related to the consumption pattern We want to provide a way to provide information.

Financial support information management apparatus according to an embodiment of the present invention for achieving the above object is a sensing information collection module for collecting physical information and logic information through one or more sensors; based on the plurality of sensing information, A context information extraction module for extracting a plurality of user context information occurring during a predetermined time period; A consumption pattern checking module for deriving a consumption pattern of a user repeatedly occurring based on the plurality of user context information; And a financial support information management module for providing financial support information based on the derived consumption pattern of the user.

In addition, the consumption pattern according to the present invention is characterized in that it comprises at least one information of at least one consumer product, consumption amount, consumption place and consumption cycle.

In addition, the financial support information according to the present invention is the price information of the consumer goods that are repeatedly consumed, discount information for the consumer goods, event information and exchange rate information, advertising information, sales place information for selling the consumer goods, the consumer goods Characterized in that it includes at least one of the replacement product information that can replace the.

In addition, the financial support information management apparatus according to the present invention further comprises an output unit for outputting the financial support information, wherein the financial support information management module is characterized in that to output through the output unit to visualize the derived consumption pattern .

In addition, the context information extraction module according to the present invention is characterized by extracting the user context information related to the consumption of the user based on the execution information of the application related to the financial transaction, payment, payment information contained in the short message or multi-message. It is done.

In addition, the financial support information management module according to the present invention, based on one or more of the consumption cycle and the consumption place of the derived consumption pattern, when the corresponding consumption cycle is reached or the current location is close to the consumption place, It provides a financial support information.

Financial support service providing server according to an embodiment of the present invention includes a communication unit for transmitting and receiving data with one or more financial support information management device through a communication network; Receive the information on the consumption pattern analyzed on the basis of situation recognition from the financial support information management device through the communication unit, and collects the financial support information corresponding to the user situation of the current financial support information management device based on the received consumption pattern; And a control unit for providing the financial assistance information management device.

In accordance with another aspect of the present invention, there is provided a method for providing a financial support service, in which a financial support information management apparatus collects a plurality of sensing information including physical information detected through at least one sensor and logical information generated according to execution of a terminal. ; Based on the plurality of sensing information, recognizing a plurality of user context information related to consumption activity occurring during a predetermined period of time; Analyzing the plurality of user context information to derive a consumption pattern of a user repeatedly occurring for a preset period of time; And providing financial support information based on the derived consumption pattern of the user.

In addition, the collecting process according to the present invention, the situation-based financial support information management device gyroscope, acceleration sensor, illuminance sensor, proximity sensor, magnetic sensor, camera, position sensor, microphone, infrared sensor and tilt sensor Collecting physical information detected through at least one physical sensor.

In addition, the collecting process according to the present invention, the situation-based financial support information management device application execution information, network connection information, content information, call history information, transmission and reception message information, Internet access information, social network service information Collecting logic information including at least one of used memory information and battery information.

The providing of the financial assistance information according to the present invention may include providing financial assistance information related to the specific consumption product at the time of consumption of the specific consumption product according to the derived consumption pattern. It is done.

In addition, according to the present invention, the financial support information related to the specific consumer product is information indicating that the consumption time for the consumer product consumed with a predetermined period according to the consumption pattern.

In addition, the process of providing the financial support information according to the present invention, the financial support information, at least one other consumption place for selling the specific consumer goods located in a predetermined area based on the current location, at each consumption place And providing one or more of the selling prices of the specific consumer goods.

In accordance with another aspect of the present invention, there is provided a method for providing a financial support service, the method including: receiving, by a financial support service providing server, a consumption pattern of a user repeatedly generated based on user context information from at least one financial support information management device; Collecting financial assistance information suitable for a user situation of a current financial assistance information management apparatus based on the consumption pattern; And providing financial support information related to the specific consumer product at a consumption time of the particular consumer product according to the consumption pattern.

In addition, the collecting process according to the present invention is the sale of selling the price information of the consumption goods, the discount information on the consumption goods, event information and exchange rate information, advertising information, the consumption goods repeatedly consumed based on the consumption pattern And collecting at least one of place information, substitute product information that can replace the consumed product, and advertisement.

As another means for solving the problem of the present invention, there is provided a computer-readable recording medium recording a program for executing the method for providing financial support services.

The present invention collects various information related to the user's payment information and spending environment, and recognizes the consumption pattern of the user based on the collected information, thereby providing consumption related information that matches the consumption pattern. have.

In addition, by providing consumption information that can be helpful to the user according to the user's consumption pattern, the user can effectively spend.

In addition, when the consumption pattern is repeated in the same place, the user can compare the price of the consumer product by comparing the past price with the current price.

1 is a diagram illustrating a configuration of a financial assistance service providing system according to an exemplary embodiment of the present invention.
2 is a diagram illustrating an internal configuration of a terminal according to an embodiment of the present invention.
3 is a diagram illustrating an internal configuration of a financial support service providing server according to an exemplary embodiment of the present invention.
4 is a diagram illustrating a preprocessing process for providing a financial support service according to an embodiment of the present invention.
5 is a diagram illustrating a process of providing a financial support service according to an exemplary embodiment of the present invention.
6 illustrates a process for providing a financial support service in a financial support service providing system according to an exemplary embodiment of the present invention.
7 is an exemplary screen illustrating a screen for providing a financial support service according to an exemplary embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in the following description and the accompanying drawings, detailed descriptions of well-known functions or configurations that may obscure the subject matter of the present invention will be omitted. In addition, it should be noted that like elements are denoted by the same reference numerals as much as possible throughout the drawings.

The terms or words used in the present specification and claims described below should not be construed as being limited to the ordinary or dictionary meanings, and the inventors are appropriate as concepts of terms for explaining their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all of the technical idea of the present invention, various modifications that can be substituted for them at the time of the present application It should be understood that there may be equivalents and variations.

First, a configuration of a system for providing a financial support service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of a financial support service providing system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, FIG. 1 illustrates a financial support service providing system according to an exemplary embodiment of the present invention. The terminal 100, the financial support service providing server 120, and the advertisement server 130 are connected through the communication network 110. It can be configured to include.

The terminal 100 refers to a terminal capable of transmitting and receiving various data via the communication network 110, and includes a tablet PC, a laptop, a personal computer, and a smart phone. ), A personal digital assistant (PDA), a smart TV, a mobile communication terminal, or a set-top box.

In addition, the terminal 100 means a terminal that can use a predetermined application service, and communicate with the financial support service providing server 120 via the communication network 110 to use the application service. The terminal 100 may be any terminal as long as it can communicate with the financial support service providing server 120, and includes a communication computing device such as a notebook computer, a mobile communication terminal, and a PDA.

The terminal 100 is configured to include the financial support information management device 10 to provide financial support information based on a user's repetitive consumption pattern. The financial support management apparatus 10 collects payment information generated, extracts a plurality of user situation information repeatedly generated during a predetermined period from the collected payment information, and a user repeatedly generated based on the extracted user situation information. After deriving the consumption pattern of, the derived consumption pattern is used to inform the user of financial support information that can be linked to consumption according to the current user's situation. Here, the consumption pattern refers to a pattern of consumption activity that occurs repeatedly for a predetermined period of time in the user's daily life. For example, the terminal may include one or more pieces of information from a consumption product purchased by the user, a consumption amount corresponding to a purchase amount of the corresponding product, a consumption place where the corresponding product is purchased, and a consumption cycle of the corresponding product. In addition, the financial support information may be replaced with the price information of the consumer goods that are repeatedly consumed, discount information for the consumer goods, event information and exchange rate information, advertising information, sales place information for selling the consumer goods, the consumer goods It includes at least one of the replacement product information. For example, if the current time point is a consumption point for a particular consumer product, it is notified to the user. The function of the terminal 100 will be described in detail in the description of FIG. 2.

The communication network 110 refers to a network capable of transmitting and receiving data using an internet protocol using various wired and wireless communication technologies such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. The communication network 110 may be a closed network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, as well as a code division multiple access (CDMA) or wideband code division (WCDMA). It is a concept that collectively refers to networks such as Multiple Access (GSM), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC), as well as next-generation networks and computing networks to be implemented.

The financial support service providing server 120 is a server for providing information that can be linked with a financial service. The financial support service providing server 120 receives information on a consumption pattern analyzed based on situation recognition from the terminal 100, and provides financial support for a user situation of the current financial support information management device based on the received consumption pattern. The information is collected and provided to the terminal 100. In this case, when the financial support service providing server 120 needs to transmit an advertisement related to a specific consumer product to the terminal 100 in association with the advertisement server 130, the advertisement support server 120 collects advertisements related to the consumer product through the advertisement server 130. After that, the collected advertisements are provided to the terminal 100.

The internal configuration of the terminal 100 and the financial support service providing server 120 according to an exemplary embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3 attached to the financial support service providing system configured as described above.

First, referring to FIG. 2, the terminal 100 may include a control unit 200, a communication unit 210, a sensor unit 230, an output unit 240, an input unit 250, and a storage unit 260. have.

The controller 200 performs overall control of the operation of the terminal 100. The control unit 200 includes a financial support information management device 10 to provide financial support information based on a user's repetitive consumption pattern. The financial support information management apparatus 10 includes a sensing information collection module 20, a situation information extraction module 22, a consumption pattern checking module 24, and a financial support information management module 26.

Sensing information collection module 20 collects the payment information contained in the execution information, the short message or the multi-message related to the financial transaction, payment. In addition, the sensing information collection module 20 is a place where payment is made. At the time of payment, the location of the terminal 100 is confirmed through the sensor unit 230, collected together with payment information, and stored as a spending history. That is, the payment information in the present invention is information including a payment location along with consumption goods and consumption information.

The contextual information extraction module 22 extracts a plurality of user contextual information generated during a predetermined period of time based on the plurality of sensing information.

The consumption pattern checking module 24 derives a consumption pattern of a user repeatedly occurring based on a plurality of user context information. That is, the consumption pattern for each place is recognized using the collected payment information. That is, the consumption pattern of the user of the terminal 100 is statistically recognized based on the collected payment information to recognize the repeated consumption pattern. Here, the consumption pattern includes at least one piece of information of at least one consumption product, consumption amount, consumption place, and consumption period.

For example, an office worker A is refueling gas once every two weeks at gas station A near his house, spending coffee once every two days at a coffee shop near his company, and spending a week at the mart A near his home. If the consumption pattern is repeated a few times, the situation recognition unit 204 will recognize this consumption pattern.

The financial assistance information management module 26 provides the financial assistance information when the corresponding consumption cycle is reached or the current location is close to the consumption place, based on one or more of the consumption cycle and the consumption place of the derived consumption pattern. That is, using the derived consumption pattern to inform the user of financial support information that can be linked to consumption in accordance with the current user's situation.

The financial support information management module 26 informs the user if the current time point is a consumption time point for a specific consumer product. If the consumption time for a particular consumer goods, one or more other consumption places selling specific consumption goods located within a predetermined area based on the current user's location, one or more of the selling price of the specific consumption goods at each consumption place is provided. It is.

For example, if you consume coffee (Americano) in the consumption pattern of office worker A, you can display the coffee shop and the Americano price that each coffee shop sells within an area 200 meters from the current office worker A's location. There will be. At this time, the consumption time may be a specific time or may be a time interval such as 10 am to 12 am. This point of consumption will be a part that can be set and changed design.

In addition, the financial support information management module 26 informs the user if the current location is a consumption location for a particular consumer product.

For example, in the consumption pattern of office worker A, if the current position is located near gas station A at the time of refueling, it may indicate that it is time to refuel. At this time, the gas station and the gas price information of each gas station in the area of 200m from the current location of the office worker A may be provided together.

In addition, the financial support information management module 26, when the payment information for the current specific consumption product is generated, and informs the change amount compared to the past price for the corresponding consumption product in the stored spending history. For example, in the coffee shop A, Americano was 4,000 won in the past, but if the current payment is 4300 won, it indicates that 300 has risen. Such a function of notifying the change amount may be informed by comparing only the consumption generated at the same consumption place, that is, coffee shop A.

In addition, if there is an input for viewing consumption pattern statistics through the input unit 250, the financial support information management module 26 visually provides the statistical consumption pattern through the output unit 240.

In addition, the financial support information management module 26 outputs an advertisement for a consumption product according to a consumption pattern through the communication unit 210.

The communication unit 210 communicates with the financial support service providing server 120 through the communication network 110. The communication unit 210 may transmit and receive data through various communication methods as well as wired and wireless methods. In addition, the communication unit 210 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 210 may include a plurality of communication modules that transmit and receive data according to different communication methods.

The sensor unit 230 is configured to detect a plurality of sensing information including physical information and a plurality of logic information generated according to execution of the terminal, and measure moving speed, calorie consumption, moving distance, average speed, and maximum speed. It can include a variety of sensors for. The sensor unit 230 may include a physical sensor and a logical sensor. As a physical sensor, a GPS (Global Positioning System) module, a gyroscope, an acceleration sensor, an illuminance sensor, a magnetic sensor, a proximity sensor, a camera module, a microphone module This may include Wi-Fi modules, modems, and Bluetooth modules. The logical sensor may include a virtual sensor for collecting call information, SMS information, scheduler information, application execution information, network connection information, SNS information, address book information, database information, battery information, memory information, and the like. In the present invention, the current position of the user of the terminal 100 is confirmed through the sensor unit 230.

The output unit 240 is a means for providing the user to recognize the operation result or state of the terminal 100, and includes, for example, a display unit for visually output through a screen, a speaker for outputting an audible sound, and the like. Can be.

The input unit 250 may generate a user input signal corresponding to a user's request or information according to a user's operation, and may be implemented by various input means that are currently commercialized or may be commercialized in the future. For example, a keyboard and a mouse In addition to a general input device such as a joystick, a touch screen, a touch pad, and the like, a gesture input means for detecting a user's motion and generating a specific input signal may be included.

The storage unit 260 may store information necessary for the operation of the terminal 100, and in particular, payment history collected through the sensing information collecting module 20, an expenditure history made by using the payment information, and a consumption pattern checking module 26. ) To store the perceived consumption pattern. The storage unit 260 is an optical recording medium such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.

Then, the internal configuration of the financial support service providing server 120 will now be described in detail with reference to FIG. 3.

Referring to FIG. 3, the financial support service providing server 120 includes a control unit 300 and a communication unit 310.

The communication unit 310 communicates with the terminal 100 through the communication network 110. The communication unit 210 may transmit and receive data through various communication methods as well as wired and wireless methods. In addition, the communication unit 310 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 310 may include a plurality of communication modules that transmit and receive data according to different communication methods.

When the financial support information request for the consumable product is requested from the terminal 100 through the communication unit 310, the control unit 300 includes a sales position of the consumable product sold within a preset boundary based on the location information of the current user transmitted together with the request. Check commodity price information at each consumer goods sales location.

Thereafter, the financial assistance information for the consumed goods including the confirmed consumption goods sale position and the product price information at each consumption goods sale position is transmitted to the terminal 100.

In addition, the controller 120 requests an advertisement for a corresponding consumption product to the advertisement server 130 through the communication unit 310, receives the advertisement from the advertisement server 130, and transmits the advertisement to the terminal 100.

4 is a diagram illustrating a process for providing a financial support service according to an embodiment of the present invention.

First, the financial support information management apparatus 10 collects a plurality of sensing information (S400).

Subsequently, the financial assistance information management apparatus 10 recognizes a plurality of user context information generated during a predetermined period of time based on the collected sensing information, and recognizes a user's consumption pattern repeatedly generated based on the plurality of user context information. (S402 ~ S404)

The financial assistance information management apparatus 10 provides the financial assistance information based on the consumption pattern of the user thus obtained. (S406) In this case, the financial assistance information provided includes price information, event information, and coupon information of a product. Information may be exchange rate information.

Next, a process of providing the financial support service will now be described with reference to FIG. 5.

Referring to FIG. 5, the financial assistance information management apparatus 10 maintains a standby state and checks whether a consumption point of a specific consumption product according to a consumption pattern is performed (S500 to S502). If it is time to consume the consumer goods or the current location identified through the GPS module 230 corresponds to the consumption location for the particular consumer goods, it is determined that the consumption time.

If the consumption time, the linkable information about the consumption product is informed. (S504) In this case, the financial support information on the consumption product refers to the sales position of each consumption product located in a preset area based on the current user's location and each consumption. It may be commodity price information at the commodity sales location. In this case, when the consumption time, the financial support information management apparatus 10 informs the financial support service providing server 120 of the financial support information providing server 120 to receive financial support information on the consumed product. To this end, the financial support information management apparatus 10 provides the financial support service providing server 120 with consumption goods and current location information when the financial support information is requested. In addition, the financial support information provided may include an advertisement for the corresponding consumer product.

Thereafter, the financial support information managing apparatus 10 checks whether expenditure information is generated (S506).

In this case, when the expense information occurs, the financial support information management apparatus 10 stores the expense information in the expense history and checks whether the price fluctuates by comparing the past consumption amount of the expense item in the expense history with the current consumption amount. (S508)

If there is a price change, the change price is announced (S510 to S512). For example, if coffee shop A spent 4000 dollars in the past, the current spending amount is 4300, indicating that 300 has risen. Referring to the screen example of FIG. 7, the spending history of Americano consumption in Starbucks is displayed, and it may indicate that the price has risen by 300 won on January 2.

If there is an input for viewing consumption pattern statistics, the financial support information management apparatus 10 visually displays the statistical consumption pattern. (S514 to S516).

Thereafter, the financial assistance information management apparatus 10 checks whether the financial application is terminated, and if not, continues to perform steps S502 to S516 (S518).

Then, the process for providing the financial support service in the financial support service providing system will now be described with reference to FIG. 6.

First, the terminal 100 requests financial support information to the financial support service providing server 120 when it is determined that the current time is the consumption time. (S600) In this case, the terminal 100 together with the corresponding product and the current location information. Provided to the financial support service providing server 120.

Then, the financial support service providing server 120 transmits the financial support information including the consumer goods sales position located in the preset area based on the current user's location and the product price information of each consumer goods selling position to the terminal 100. send.

In addition, the financial support service providing server 120 requests an advertisement for a corresponding consumption product to the advertisement server 130, and receives the advertisement from the advertisement server 130 and provides it to the terminal 100 (S604 ˜ S608). In addition, the advertisement providing process for the consumption product may or may not be included depending on the setting.

The method for providing financial support service according to the present invention may be implemented in software form readable through various computer means and recorded on a computer readable recording medium. Here, the recording medium may include a program command, a data file, a data structure, etc. alone or in combination. The program instructions recorded on the recording medium may be those specially designed and constructed for the present invention, or may be known and available to those skilled in computer software. For example, the recording medium may be a magnetic medium such as a hard disk, a floppy disk, or a magnetic tape, an optical media such as a compact disk read only memory (CD-ROM), a digital video disk (DVD), or a floppy. Magnetic-Optical Media, such as floppy disks, and hardware devices specifically configured to store and execute program instructions, such as ROM, random access memory (RAM), flash memory, and the like. do. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter, as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples to aid understanding, and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

The present invention relates to a system for providing a financial support service, and in particular, collects consumption information of a user, recognizes a repeated consumption pattern, and uses the recognized consumption pattern to provide information that can be linked to consumption according to the current user's situation. There is industrial applicability because it can be an efficient outlay by informing the user.

100: terminal 110: communication network
120: financial support service providing server 200: control unit
210: communication unit 220: payment management module
230: sensor unit 240: output unit
250: input unit 260: storage unit
300: control unit 310: communication unit

Claims (16)

A sensing information collection module for collecting physical information and logic information through at least one sensor;
A contextual information extraction module for extracting a plurality of user contextual information generated during a predetermined period based on the plurality of sensing information;
A consumption pattern checking module for deriving a consumption pattern of a user repeatedly occurring based on the plurality of user context information; And
Financial support information management that provides financial support information when a consumption time of a specific consumer product among at least one consumer product or a current location is close to a consumption place of the specific consumer product based on the derived consumption pattern of the user. Including a module;
The financial support information management module,
Financial support information, characterized in that if the payment information for a particular consumer product is generated, the historical consumption amount of the corresponding consumer product of the same place of consumption is compared with the current consumption amount in the pre-stored expenditure history to inform the change amount. Management device. The method of claim 1, wherein the consumption pattern,
And at least one piece of information of the at least one consumed product, consumed amount, consumed place, and consumed period. The method of claim 1, wherein the financial support information,
At least one of price information of the consumable product repeatedly consumed, discount information on the consumable product, event information and exchange rate information, advertisement information, selling place information selling the consumable product, and replacement product information that can replace the consumable product Financial support information management device comprising one. Claim 4 was abandoned upon payment of a set-up fee. The method of claim 1,
Further comprising an output unit for outputting the financial support information,
The financial support information management module,
The financial support information management device, characterized in that the outputted through the output unit by visualizing the derived consumption pattern. The method of claim 1,
The situation information extraction module,
And extracting user context information related to consumption of the user based on the financial transaction, execution information of an application related to payment, payment information included in a short message or multi-message. The method of claim 2, wherein the financial support information management module,
Based on one or more of the consumption period and the place of consumption of the derived consumption pattern, when the consumption time point for the specific consumption product reaches the corresponding consumption period, or when the current location is close to the consumption place, A financial support information management device, characterized by providing support information. delete Collecting, by the financial assistance information management device, a plurality of sensing information including physical information detected through at least one sensor and logical information generated according to execution of the terminal;
Based on the plurality of sensing information, recognizing a plurality of user context information related to consumption activity occurring during a predetermined period of time;
Analyzing the plurality of user context information to derive a consumption pattern of a user repeatedly occurring during a preset period of time;
Providing financial support information based on the derived consumption pattern of the user;
The process of providing the financial support information,
Providing financial support information when a consumption time of a specific consumer product among at least one consumer product is based on the derived consumption pattern of the user or when a current location is close to a consumption place of the specific consumer product,
Financial support service, characterized in that when the payment information for a particular consumer product is generated, the historical expenditure of the corresponding consumer product of the same place of consumption is compared with the current consumption amount in the pre-stored expenditure history to inform the change amount. How to Provide. The method of claim 8, wherein the collecting process comprises:
The physical information detected by the situation-aware financial support information management device through at least one physical sensor among a gyroscope, an acceleration sensor, an illuminance sensor, a proximity sensor, a magnetic sensor, a camera, a position sensor, a microphone, an infrared sensor, and a tilt sensor. Method of providing a financial support service, characterized in that the collection. The method of claim 8, wherein the collecting process comprises:
The situational awareness-based financial support information management device includes at least one of application execution information, network connection information, content information, call history information, transmission / reception message information, internet access information, social network service information, use memory information, and battery information. A financial support service providing method comprising collecting logical information. delete The method of claim 8, wherein the financial support information,
And providing information indicating that the consumption time of the specific consumption product is consumed with a predetermined period according to the consumption pattern. The method of claim 8, wherein the providing of the financial support information comprises:
Providing one or more of one or more other consumption places for selling the specific consumption goods and selling prices of the specific consumption goods at each consumption place when the proximity is within the consumption place of the preset area based on the current location. To provide financial support services. delete delete A computer-readable recording medium having recorded thereon a program for executing the method for providing financial support service according to any one of claims 8 to 10, 12 and 13.

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