KR102167848B1 - Finance consulting service system based on application - Google Patents

Abstract

The comprehensive financial consulting system of the present invention provides a user terminal and a comprehensive financial planning application for comprehensive financial planning consulting at the request of the user terminal, and media information related to financial planning and customer needs ( needs), which is information related to needs), to the user terminal in real time, and a financial planning provision server that provides a consulting menu that performs consulting related to finance of an individual business entity or a corporate business entity.
According to the present invention, by supporting a comprehensive financial consulting service for a customer through an application in a tablet PC, a smart phone, etc., there is an effect that it is possible to provide a comprehensive and broad financial consulting service rather than a fragmentary financial consulting.

Description

Application-based comprehensive financial consulting system {Finance consulting service system based on application}

The present invention relates to a financial consulting system, and more particularly, to an application-based comprehensive financial consulting technology used in terminals such as tablet PCs and smart phones.

In general, the terms financial planning and financial consulting are widely known through popular media, and experts such as CFP, FC, AFPK, FP, asset managers, financial counselors, etc., as related certifications, are also showing an increasing trend every year. Also, internationally accredited and nationally accredited certification systems are being introduced.

This atmosphere can be seen as demonstrating that an important role is implied in the development of a sound national economy along with financial development based on individual financial management of savings, consumption, and investment.

However, looking back in reality compared to these environmental demands, the actual financial planning system and systematic work process for financial consulting have not yet been established, so that there is no actual financial planning for the public.

As described above, the reason can be found even though financial planning experts lack awareness of software programming technology.

In addition, financial institutions and various financial planning institutions have established systems for individual financial planning and are conducting financial planning and financial consulting, but they are concentrated and developed as systems for the company's insurance, fund, and financial product sales. It is also a reality that practical financial consulting is not carried out as in life planning throughout life through rational financial management.

And because individual consumption, investment, and economic activities are not simple but complex and diverse, when one event occurs, it affects various fields such as finance, tax, real estate, risk management, child education expenses, financial management, living expenses, and retirement pension.

For example, if an individual wants to expand and purchase a home, the increase in housing-related costs affects the change in monthly savings available, the effect on monthly living expenses, changes in assets 3-10 years later, and the amount of retirement pension receipts at the time of retirement.

In addition, it affects complex areas such as real estate taxation strategies according to the purchase and sale of buildings, and analysis of the intrinsic value of real estate against the expected rate of return for newly purchased buildings.

Since financial consulting is conducted in one system by integrating these complex financial changes, various financial counseling needs can be satisfied in one place, and it is necessary in daily life such as financial changes due to housing expansion and financial changes due to car purchase. Financial analysis counseling should be available.

Despite the practical need for such a calculation method, even if you have a financial consulting expert license, it takes a lot of time to calculate, and the comprehensive business process from consultation to analysis data storage, printing, report output, consultation database storage search, and financial management service and operation system It is a reality that is difficult or impossible without this.

The necessity of financial planning is also a social demand, but due to busy economic activities, individuals do not recognize the importance of financial consulting or recognize that financial consulting is necessary, and it is difficult to even know how and when to provide financial consultation.

PB (Private Banking) is a comprehensive financial service for high-income households, where financial institutions such as banks manage their assets and receive a certain fee. In the case of banking services, deposits, loans, credit cards, etc., which are traditional functions of commercial banks, are trust services. Refers to specific personal trusts including will trusts and various property trusts. In addition, securities services include asset management, trading and brokerage of securities, and other duties include inheritance, execution of wills, tax affairs and legal counseling. Domestic banks are pursuing tasks such as using dedicated rooms, discounting fees, financial technology and tax, and real estate investment consulting as a strategy to secure excellent customers in relation to PB services. Recently, financial holding companies were introduced and emerging due to venture business, etc. With the rise of high-income families, conditions for private banking are being created.

Meanwhile, in general, financial planning & management is an analysis of financial data to predict the funds required by a company in order to efficiently manage the company, and the required funds calculated according to the analysis results are analyzed. It is a management function that provides reasonably and efficiently manages the raised funds by investing them in assets. However, as the public's awareness of the importance of systematic management of assets is increasing today, more and more ordinary individuals are interested in how to manage and multiply their financial resources efficiently.

Accordingly, for financial design and management, it is necessary to be familiar with various systems such as accounting standards, taxation and various regulatory provisions, and professional knowledge and strategic thinking on asset management are required. In addition, information on various economic market related indices, such as inflation, interest rates, stock indices, real estate price indices, exchange rates, crude oil prices, economic growth rate, trade balance, consumer attitude index and unemployment rate, and comprehensive financial taxation system. Must be secured. Therefore, there is inevitably a limit in the case of direct financial planning and management by ordinary people without specialized knowledge. As a result, the general public receives financial planning counseling through financial planners such as insurance companies, and plans future financial plans according to the results of the consultation.

However, financial planning counseling through this financial planner, etc., is simply a financial plan based on the provision of target funds, such as retirement funds, and changes in finance that may occur in the future, such as buying a house or a car. It is done in a way that does not consider purchasing. Accordingly, there is a problem in that financial planning in consideration of changes in finances that may occur throughout life cannot be achieved with the conventional financial planning counseling method.

Republic of Korea Patent Publication No. 10-2016-0008281

The present invention has been devised to solve the above problems, and an object of the present invention is to provide a comprehensive financial consulting system capable of providing comprehensive financial consulting to customers in a PB or the like.

The object of the present invention is not limited to the above-mentioned object, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

The comprehensive financial consulting system of the present invention for achieving this object provides a user terminal and a comprehensive financial planning application for comprehensive financial planning consulting at the request of the user terminal, and related to financial planning through the comprehensive financial planning application. It includes a financial planning provision server that provides media information and needs information, which is information related to customer needs, to the user terminal in real time, and provides a consulting menu for consulting related to finance of individual or corporate businesses. .

The financial plan providing server may provide an individual business entity item providing related information necessary for financial consulting of an individual business entity in the consulting menu.

At this time, the financial planning provision server provides a screen through the user terminal to input business type, reported sales, annual income, national pension premium, and health insurance premium in the personal business category, and according to the data entered on this screen. It can provide a tax consultation function that calculates and displays the reported income, management income, and the amount of confirmation of fidelity reporting.

The financial planning provision server may provide a corporate business entity item that provides related information necessary for financial consulting of the corporate business entity in the consulting menu.

At this time, the financial planning provision server provides a screen in which the employee's entering year, current salary, interim settlement year, severance pay application multiple, expected retirement year, and income increase rate can be entered through the user terminal in the corporate business category. , An employee severance pay function can be provided that calculates and displays the expected severance pay according to the length of service according to the data entered on this screen.

In addition, the financial plan providing server provides a screen through which capital, par value, total assets, total liabilities, net income, whether a corporation with excessive real estate, and whether to reflect expected retirement allowance can be input through the user terminal in the corporate business category. And, according to the data input on this screen, it is possible to provide a stock valuation function that calculates and displays the valuation amount per share and the total valuation amount.

The financial planning providing server may provide a business site management item that provides related information necessary for consulting related to business site management, among the consulting menus.

At this time, the financial planning provision server provides a screen for inputting monthly salary, meals + vehicle maintenance fee, vacation days, number of workers, working hours, whether to write a labor contract through the user terminal in the workplace management item, Depending on the data entered on this screen, it is possible to provide a labor consulting function that calculates and displays labor risks including minimum wage/hourly wage, overtime, unpaid wages, and fines when a labor contract is not issued.

In addition, the financial planning provision server provides a screen through which the current age, retirement age, and annual salary (including bonuses) can be input through the user terminal in the workplace management item, and civil damages according to the data entered on this screen. Compensation consulting function that calculates and displays compensation, industrial compensation insurance, and additional legal compensation can be provided.

The financial planning provision server may provide an asset acquisition item providing related information necessary for asset acquisition in the consulting menu to be included.

At this time, the financial planning providing server can input real estate type, building area, estimated purchase price, deposit, loan, loan interest rate, owner's annual income, and income deduction through the user terminal in the case of obtaining a profitable asset in the asset acquisition item. It is possible to provide a real estate consulting function that provides a screen in which there is, and calculates and displays the expected rental income according to the data input from this screen.

In addition, the financial planning provision server provides a smart investment function that calculates and displays the expected bank savings income, expected accumulation fund maturity income, and expected variable pension income according to the data input through the user terminal in the asset acquisition item. can do.

The financial planning providing server may provide an asset transfer item that provides information related to asset transfer including calculation of inheritance, gift, and capital gains tax from the consulting menu.

At this time, in the asset transfer item, the financial planning server provides gender, age, real estate, financial assets, other assets, savings capacity, savings available period, liabilities, prior donations, and children through the user terminal. It provides a screen for inputting the number, spouse deduction, financial asset return, and real estate return, and an inheritance consulting function that calculates and displays inheritance tax according to the data entered on this screen.

In addition, the financial planning providing server may provide a gift consulting function that calculates and displays a gift tax according to data input through the user terminal in the asset transfer item.

In addition, the financial planning providing server may provide a capital gains tax calculation function that calculates and displays a capital gains tax according to data input through the user terminal in the asset transfer item.

The financial planning provision server may provide a retirement preparation item that provides information necessary for retirement preparation among the consulting menus to be included.

According to the present invention, by supporting a comprehensive financial consulting service for a customer through an application in a tablet PC, a smart phone, etc., there is an effect that it is possible to provide a comprehensive and broad financial consulting service rather than a fragmentary financial consulting.

In addition, financial planners such as banks, insurance companies, and securities companies provide customized consulting for each customer's situation, thereby maximizing the possibility of signing a contract and enhancing competitiveness.

In addition, it is possible to provide differentiated premium services by providing solutions for recent issues such as PB (Private Banking), and has the effect of allowing high-priced contracts to be concluded with specialized services required for the wealthy market.

1 is a diagram showing the configuration of a comprehensive financial consulting system according to an embodiment of the present invention.
2 to 83 are screen examples of a user terminal according to an embodiment of the present invention.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof, does not preclude in advance.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in this application. Does not.

In addition, in the description with reference to the accompanying drawings, the same reference numerals are assigned to the same components regardless of the reference numerals, and redundant descriptions thereof will be omitted. In describing the present invention, when it is determined that a detailed description of related known technologies may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

1 is a diagram showing the configuration of a comprehensive financial consulting system according to an embodiment of the present invention.

Referring to FIG. 1, the comprehensive financial consulting system of the present invention includes user terminals 10 and 20 and a financial plan providing server 100.

User terminals 10 and 20 are terminals used by users, including desktop PCs and laptop PCs, and include mobile communication terminals such as tablet PCs, mobile phones, mobile phones, and smart phones. For example, mobile communication terminals are wireless communication devices that guarantee portability and mobility, and include Personal Communication System (PCS), Global System for Mobile communications (GSM), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), PDA. (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, Smart Phone ), and the like may include all kinds of handheld-based wireless communication devices.

In the present invention, the user terminals 10 and 20 may download and execute one or more applications running on the operating system.

In the present invention, banks, insurance, and securities personnel, financial planners, etc. who provide consulting services to customers mainly use the user terminals 10 and 20.

The financial planning provision server 100 provides a comprehensive financial planning application for comprehensive financial planning consulting at the request of the user terminals 10 and 20, and media information related to financial planning and customer needs ( needs information, which is information related to needs), is provided to the user terminals 10 and 20 in real time, and a consulting menu that performs consulting related to finance of individual or corporate business is provided.

In the present invention, the financial plan providing server 100 may provide an individual business entity item that provides related information necessary for financial consulting of an individual business entity among the consulting menus.

At this time, the financial planning provision server 100 provides a screen for inputting business type, reported sales, annual income, national pension premium, and health insurance premium through the user terminals 10 and 20 in the personal business category, and on this screen A tax consultation function can be provided that calculates and displays the reported income, management income, and the amount of fidelity reporting according to the input data.

The financial planning provision server 100 may provide a corporate business entity item that provides related information necessary for financial consulting of a corporate business entity among the consulting menus to be included.

At this time, the financial planning provision server 100 can input the employee's entering year, current salary, interim settlement year, severance pay application multiple, expected retirement year, and income increase rate through the user terminals 10 and 20 in the corporate business category. It is possible to provide an employee's severance pay function that provides a screen that is available and displays the estimated severance pay according to the tenure according to the data entered on this screen.

At this time, the financial planning providing server 100 inputs capital stock, par value, total assets, total liabilities, net income, whether a corporation with excessive real estate, and whether to reflect expected retirement payments through the user terminals 10 and 20 in the corporate business category. A screen that can be used is provided, and a stock valuation function that calculates and displays the valuation amount per share and the total valuation amount according to the data input on this screen may be provided.

The financial planning providing server 100 may provide a business site management item that provides related information necessary for consulting related to business site management from among the consulting menus.

At this time, the financial planning provision server 100 can input monthly salary, meals + vehicle maintenance fee, vacation days, number of workers, working hours, whether to write a labor contract through the user terminals 10 and 20 in the workplace management item. It can provide a labor consulting function that calculates and displays labor risks including minimum wage/hourly wage, overtime wage, unpaid wage, and fine when a labor contract is not issued according to the data entered on this screen. .

In addition, the financial planning provision server 100 provides a screen for inputting the current age, retirement age, and annual salary (including bonuses) through the user terminals 10 and 20 in the business site management items, and It can provide a compensation consulting function that calculates and displays civil damage compensation, industrial compensation insurance, and additional legal compensation according to the data.

The financial planning provision server 100 may provide an asset acquisition item that provides related information necessary for asset acquisition among the consulting menus to be included.

At this time, the financial planning provision server 100 inputs real estate type, building area, estimated purchase price, deposit, loan, loan interest rate, owner's annual income, and income deduction through the user terminal in the case of acquisition of profitable assets in the asset acquisition item. It is possible to provide a screen that can be used, and provide a real estate consulting function that calculates and displays the expected rental income according to the data input from this screen.

In addition, the financial planning provision server 100 calculates and displays the expected bank savings income, the expected accumulation fund maturity income, and the expected variable pension income according to the data input through the user terminals 10 and 20 in the asset acquisition item. It can provide smart investment function.

The financial planning provision server 100 may provide an asset transfer item that provides information related to asset transfer including calculation of inheritance, gift, and capital gains tax from the consulting menu.

At this time, in the asset transfer item, the financial plan providing server 100 is the gender, age, real estate, financial assets, other assets, saving capacity, saving period, liabilities, and advance through the user terminals 10 and 20. Provides a screen for inputting the gift amount, number of children, spouse deduction, financial asset return rate, and real estate return rate, and an inheritance consulting function that calculates and displays inheritance tax according to the data entered in this screen. .

In addition, the financial planning providing server 100 may provide a gift consulting function that calculates and displays a gift tax according to data input through the user terminals 10 and 20 in the asset transfer item.

In addition, the financial planning providing server 100 may provide a capital gains tax calculation function that calculates and displays a capital gains tax according to data input through the user terminals 10 and 20 in the asset transfer item.

The financial planning provision server 100 may provide the consulting menu so that the retirement preparation items that provide information necessary for retirement preparation are included.

Now, the configuration and functions of the comprehensive financial consulting system of the present invention will be described with the focus on screen examples displayed on the user terminals 10 and 20.

2 to 83 are screen examples of a user terminal according to an embodiment of the present invention.

The act of “selecting” in FIGS. 2 to 83 means generating a signal at a specific point in various ways, such as clicking with a mouse or touching with a touch pen or a finger in the screen example.

The screen examples of FIGS. 2 to 83 are examples of screen examples in a tablet PC in the user terminal 100, and a comprehensive financial planning application is downloaded and installed from the financial planning providing server 100 in the tablet PC, and executed. will be.

2 is an example of an initial screen for logging in by entering a user ID and password.

In the example of the initial screen of FIG. 2, the application logo is displayed on the upper left, and the “Notice, Media Information, Needs Information, Consulting, Customer Proposal, Data Registration” menu is sequentially arranged on the left. And, on the right, headlines of media information, needs information, and announcements are displayed. That is, media information, needs information, and announcements can be accessed by clicking from both sides through the left menu or the right headline.

3 is an example of a screen in which “media information” is selected from a left menu or a right headline on an initial screen.

In FIG. 3, media information is arranged and provided by category "Latest, Ranking, Important, Subject" in the media information menu, and the user can check the information by selecting media information through the screen example of FIG. 3.

4 is an example of a screen in which “needs information” is selected from a left menu or a right headline on an initial screen.

In FIG. 4, needs information is arranged and provided for each category of “latest, ranking, important, topic” in the needs information menu, and the user can check the information by selecting the needs information through the screen example of FIG. 4.

5 is an example of a screen in which a “consulting” menu is selected on the initial screen.

As shown in FIG. 5, when the “consulting” menu is selected, items of “individual business operator, corporate business entity, business site management, asset acquisition, asset transfer, retirement preparation” are displayed, and each item is selected to use specific functions. I can.

6 is an example of a screen when the item “individual business entity” is selected, and provides various information necessary for financial planning of an individual business entity. Among them, the screen example of FIG. 6 is an example of a screen for providing tax trend information of an individual business operator. In addition, by selecting the tab at the top, you can check information such as “tax information, income report, PCI system, FIU system, fund source investigation, integrity report verification, corporation conversion”.

That is, FIG. 7 is an example of a screen in which information on an income report is displayed by selecting the “income report” tab, and FIG. 8 is an example of a screen showing an explanation of the income-expenditure analysis system by selecting the “PCI system” tab, 9 is an example of a screen showing information about the Financial Information Analysis Institute by selecting the “FIU System” tab.

In addition, FIG. 10 is an example of a screen showing information on a fund source investigation by selecting the “finance source investigation” tab, and FIG. 11 is a view showing information on a faithful report confirmation system by selecting the “faithfulness report confirmation system” tab. This is an example of a screen, and FIG. 12 is an example of a screen showing information on corporate conversion by selecting a “corporation conversion” tab.

13 is an example of a screen in which the “tax consultation” tab is selected from the individual business consulting menu. When a business type is selected and reported sales, annual income, national pension insurance premiums, health insurance premiums, etc. are entered, reported income, management income, faithful report confirmation, etc. Calculates tax-related information. And, based on the input data, a proposal may be issued that proposes a customized insurance type suitable for the customer.

14 is an example of a screen for selecting the “corporate business entity” item. When “corporate business entity” is selected, an evaluation function for executive (employee) employee severance pay and unlisted stocks can be used.

FIG. 15 is an example of a screen for selecting an employee's severance pay, and provides various information related to the employee's severance pay, and the screen example of FIG. 15 shows information on the three major incomes of CEO.

The screen example of FIG. 16 is a screen example of selecting information on the legal scope of the executive retirement allowance, and the screen example of FIG. 17 shows the merits of the executive retirement plan. In addition, the screen example of FIG. 18 is a screen example showing information on the articles of incorporation sample, and FIG. 19 is a screen example showing information on a company utilizing severance pay.

Fig. 20 is an example of the screen of selecting the “executive retirement allowance” tab. If you enter the entering year, current salary, interim settlement of severance pay, severance pay application multiples, expected retirement year, and income increase rate, depending on the length of service, the maximum salary at the time of employment, severance pay, retirement It automatically calculates various information on expected severance pay, such as income tax, real age amount, and tax burden.

FIG. 21 is an example of a screen for selecting the “evaluation of unlisted stocks” menu, providing information related to the evaluation of unlisted stocks, and in the example of FIG. 21, information on “company succession” is shown. 22 is an example of a screen showing information related to evaluation of unlisted stocks, and FIG. 23 is an example of a screen showing information related to the value of unlisted stocks.

Fig. 24 is an example of a screen in which the “stock valuation” tab is selected, and shows data such as capital stock, par value, total assets, total liabilities, net income, and corporation category, estimated severance pay, expense processing, dividend payment amount, etc. If entered, the valuation amount per share, the total valuation amount, the stock price when sales increase by 3% in units of 5, 10, 15, and 20 years, the stock price when sales increase by 5%, and the estimated price when sales increase by 10% are calculated and displayed. can do.

25 is an example of a screen for selecting the “workplace management” item, and “labor consulting” and “compensation consulting” menus related to business site management are opened.

FIG. 26 is an example of a screen for selecting a “labor consulting” menu, and information on labor consulting is provided, and in the embodiment of FIG. 26, information on the necessity of labor management is shown. In addition, the screen example of FIG. 27 shows information on the core of labor management, the screen example of FIG. 28 shows information on the main contents of labor supervision, and the screen example of FIG. 29 shows information on non-taxable income. Has been.

In FIG. 30, as an example of the screen of selecting the “labor risk” tab, if you input data on monthly salary, meals + vehicle maintenance fee, number of vacation days, number of workers, working hours (weekdays, Saturdays, Sundays), and whether or not a labor contract, the minimum wage / Hourly wage, overtime (1 person/month), unpaid wage (1 person/month), fine for non-issuance of a labor contract, and total (total workers/3 year price) are automatically calculated and displayed.

FIG. 31 is an example of a screen in which the “compensation consulting” menu is selected, and provides information on labor guidance, and in the example of the screen of FIG. 31, information on the status of industrial accidents is provided, and FIG. 32 is an example of providing information on compensation for civil damages. 33 is an example of a screen, and FIG. 34 is an example of a screen provided with information on group insurance.

35 is an example of a screen in which the “disaster compensation” tab at the top is selected, and when current age, youth age, and annual salary (including bonus) data are entered, civil damage compensation, industrial accident compensation insurance, and additional legal compensation are calculated.

36 shows an example of selecting the “Asset Acquisition” item, and it can be seen that “Real Estate Consulting” and “Smart Investment” are sub-menus of the “Asset Acquisition” item.

In the example screen of FIG. 37, tabs of profit type and retirement type are provided in the real estate consulting menu, and among them, a screen example of the profit type tab is shown.

In the example screen of FIG. 37, when data on real estate type, building area, expected purchase price, deposit, loan, loan interest rate, owner's annual income, income deduction, and expected rental income are inputted, the expected income is calculated and displayed.

38 is an example of a screen in which the retirement type tab is selected, and provides information such as a country house for retirement type assets, a silver town, characteristics of each real estate of a pension, investment conditions, precautions, and future prospects.

39 is an example of a screen in which a smart investment menu is selected, and various types of information on smart investment are exemplified, among which information on an efficient investment plan is provided. In addition, FIG. 40 is an example of a screen in which information on compounding effects is provided, and FIG. 41 is an example of a screen in which information on account management is provided.

FIG. 42 is a screen example in which the “bank installment” tab is selected in the screen example of FIG. 30, and when data of monthly payments and periodic payment interest are input, the profit structure of the one-year bank installment is calculated and displayed.

FIG. 43 is a screen example of selecting the “saving fund” tab in the example screen of FIG. 30, and when data such as monthly payment, fund opening date, accumulation period, and monthly accumulation date are input, the expected profit at the expiration of the fund is calculated and displayed.

FIG. 44 is an example of a screen in which the “variable pension” tab is selected in the screen example of FIG. 30. When data such as an investment period, monthly payment, and expected return are input, a comparison of the accumulated amount, the refund rate, and the fee is calculated and displayed.

FIG. 45 is an example of a screen for selecting the “asset transfer” item, and it can be seen that “inheritance consulting”, “donation consulting”, and “capital income tax calculation” are listed as sub-menus.

46 is an example of a screen when a "inheritance consulting" menu is selected among them. When the “inheritance consulting” menu is selected, sub tabs such as “need for inheritance preparation”, “inheritance system in Korea”, “inheritance investigation”, “inheritance tax reduction plan”, inheritance tax payment plan” are shown, and the embodiment of FIG. This is an example of a screen showing information on "need to prepare for inheritance". In addition, the screen example of FIG. 47 shows information on the “inheritance system of our country”, the screen example of FIG. 48 shows information on the “inheritance investigation”, and the screen example of FIG. 49 shows the “inheritance tax reduction plan” The information on is shown, and the screen example of FIG. 50 shows information on the “inheritance tax payment plan”.

51 is an example of a screen in which the inheritance design tab is selected, and data on the gender, age, life expectancy, real estate, financial assets, other assets, savings capacity, savings available period, liabilities, and prior donations of each individual and spouse are entered. An input window is provided, and when data such as the number of children, spouse deduction, financial asset return, and real estate return are input, inheritance tax is automatically calculated and output. And, based on this data, it is possible to output a proposal proposing a customized insurance contract for the customer.

FIG. 52 is an example of a screen for selecting a donation consulting menu, providing information on a donation, and among them, information on "necessity of prior donation". In addition, FIG. 53 is an example of a screen providing information on a "efficient donation plan", FIG. 54 is an example of a screen providing information on a "paid donation", and FIG. This is an example of a screen to be provided, and FIG. 56 is an example of a screen for providing information on “disability authentication”.

57 is a screen example in which the "general donation" tab is selected in the screen example of FIG. 52. When a recipient is selected, and the advance gift amount, the gift amount, whether or not to pay the gift tax, etc. are input, the total tax paid on the gift tax is calculated and Expressed as.

58 is a screen example in which the “Payable Donation” tab is selected in the screen example of FIG. 52, in which a recipient is selected, the amount of pre-donation, the type of real estate, the estimated market price, the loan, the acquisition price, the rental deposit, the acquisition date and the gift tax are included. If you enter whether or not, the estimated tax amount to be paid will be calculated and displayed.

59 is an example of a screen when the “Calculation of Capital Gains Tax” menu is selected. When data of real estate type, ownership type, acquisition date, acquisition price, necessary expenses, expected trading date, and expected selling price are entered, specific capital gains tax is calculated. Express.

FIG. 60 is an example of a screen when the item "preparation for retirement" is selected, and FIG. 61 is an example of a screen for guiding information on retirement risk among various information regarding retirement preparation guidance. Further, FIG. 62 is an example of a screen for guiding information on retirement preparation, FIG. 63 is an example of a screen for guiding information on an expected life, and FIG. 64 is an example of a screen for providing information on an experience life table. In addition, FIG. 65 is an example of a screen providing information on retirement medical expenses, and FIG. 66 is an example of a screen providing information on health insurance premiums.

FIG. 67 is an example of a screen in which the “periodic fund evaluation” tab at the top is selected in the screen example of FIG. 60, and an example of the periodic fund evaluation is guided.

In addition, FIG. 68 is an example of a screen example of selecting the “pension vs. savings savings comparison” tab at the top in the screen example of FIG. 60, the current age of the person, spouse (child) age, monthly pension payment, spouse (child) gender, pension age, When data of the pension receipt guarantee age, payment period, and net inheritance value are entered, the total installment and insurance payments, accumulated amount at the time of pension commencement, annual receipt, evaluation of inherited property, and inheritance tax calculation tax are automatically calculated and displayed.

69 is an example of a screen when a “customer proposal” menu is selected on the initial screen.

In FIG. 69, the “customer proposal” menu is a space in which the proposal is stored when a customized proposal is issued while consulting through an application. In the example screen of FIG. 69, a proposal created on "November 27, 2018" in the type of "executive retirement allowance proposal" for the customer name "090" is illustrated. Here, you can check the document of this proposal through the “Preview” menu, and if you click “Send E-mail”, the document of the proposal is attached and sent to the e-mail address specified at the time of registration.

70 to 82 are screen examples in which a proposal document is displayed when the "Preview" menu is selected.

As shown in FIGS. 70 to 82, in the comprehensive financial consulting system of the present invention, a customized proposal can be issued for a customer, and the proposal includes asset management, financial design, executive estimated severance pay and retirement income tax based on the current salary, It includes information on executives' estimated severance pay based on annual salary at retirement, retirement income tax, and executive severance pay plan. Therefore, staff in charge, such as financial planners who provide financial consulting to customers, can conduct customized consulting for each customer's situation by referring to the proposal document, can reinforce marketing capabilities, and improve customer service satisfaction.

83 is an example of a screen when the "Data Registration" menu is selected on the initial screen. In this menu, "media information" or "needs information" can be selected and registered.

The present invention has been described above using several preferred embodiments, but these embodiments are illustrative and not limiting. Those of ordinary skill in the art to which the present invention pertains will understand that various changes and modifications can be made without departing from the spirit of the present invention and the scope of the rights presented in the appended claims.

10, 20 user terminals
100 financial planning server

Claims (17)

User terminal; And
Provides a comprehensive financial planning application for comprehensive financial planning consulting at the request of the user terminal, and provides media information related to financial planning and information related to customer needs in real time through the comprehensive financial planning application. A financial planning providing server provided to the user terminal and providing a consulting menu for performing consulting related to finance of an individual business entity or a corporate business entity,
The financial planning provision server provides, among the consulting menus, an item for an individual business operator providing related information necessary for financial consulting of an individual business operator,
The financial design providing server provides a screen for inputting business type, reported sales, annual income, national pension premium, and health insurance premium through the user terminal in the personal business category, and reported income according to the data entered on this screen. , Provides a tax consultation function that calculates and displays the amount of management income and confirmation of fidelity reporting,
The financial planning provision server provides, among the consulting menu, a corporate business entity item that provides related information necessary for financial consulting of the corporate business entity,
The financial plan providing server provides a screen through the user terminal to input the employee's entering year, current salary, interim settlement year, severance pay application multiple, expected retirement year, and income increase rate in the corporate business category. Provides an employee severance pay function that calculates and displays the expected severance pay according to the period of service according to the data entered on the screen,
In the corporate business category, the financial design providing server includes a selection of capital stock, par value, total assets, total liabilities, net income, and excessive real estate ownership through the user terminal, expected severance pay, expense processing, and dividend payment. When data is entered, the estimated amount per share, total evaluation amount, stock price when sales increase by 3% in increments of 5, 10, 15, and 20 years, stock price when sales increase by 5%, and stock price when sales increase by 10% Provides a stock valuation function to calculate and display,
The financial planning providing server is provided to include a business site management item that provides related information necessary for consulting related to business site management from the consulting menu,
The financial planning provision server provides a screen for inputting monthly salary, meals + vehicle maintenance fee, vacation days, number of workers, working hours, whether to write a labor contract through the user terminal in the workplace management item, and this screen Provides a labor consulting function that calculates and displays labor risk, including minimum wage/hourly wage, overtime wage, unpaid wage, and fine when a labor contract is not issued according to the data entered in
The financial planning provision server provides a screen through which the current age, retirement age, and annual salary (including bonuses) can be input through the user terminal in the workplace management item, and civil damage compensation according to the data entered in this screen, Provides a compensation consulting function that calculates and displays industrial compensation insurance and additional legal compensation,
The financial planning providing server is provided to include an asset acquisition item that provides related information necessary for asset acquisition from the consulting menu,
The financial planning provision server provides a real estate consulting function and a smart investment function in the asset acquisition item, and the real estate consulting function is divided into a profit type and a retirement type, and in the case of a profit type, real estate type and building through the user terminal. Provides a screen where you can input area, estimated purchase price, deposit, loan, loan interest rate, owner's annual income, and income deduction, and calculate and display the expected rental income according to the data entered on this screen. In the case of retirement type, Provides information including characteristics, investment conditions, precautions, and future prospects for each real estate including country houses, silver towns, and pensions.
The financial planning provision server provides a smart investment function that calculates and displays the expected bank installment income, expected accumulation fund maturity income, and expected variable pension income according to the data input through the user terminal in the asset acquisition item, When monthly payment and periodic interest data are entered in the expected bank savings income menu, the monthly payment amount, fund opening date, accumulation period, and monthly accumulation date are calculated and displayed in the expected accumulation fund maturity income menu. When data is entered, the expected formula is calculated and displayed at the expiration of the fund, and when the investment period, monthly payment, and expected return data are entered in the expected variable pension income menu, the accumulated amount, refund rate, and fee comparison are calculated and displayed.
The financial planning provision server provides, among the consulting menus, an asset transfer item that provides information related to asset transfer including inheritance consulting, gift consulting, and capital gains tax calculation,
In the asset transfer item, the financial plan providing server includes gender, age, real estate, financial assets, other assets of the person and spouse through the user terminal, savings capacity, savings available period, liabilities, advance donations, and number of children, Provides a screen to input spouse deduction, financial asset return, and real estate return, and provides an inheritance consulting function that calculates and displays inheritance tax according to the data entered on this screen.
The financial planning provision server provides a gift consulting function that calculates and displays a gift tax according to the data input through the user terminal in the asset transfer item, but in the gift consulting function, a general gift menu and a burden gift menu are provided. In the above general gift menu, if the donor, prior gift, gift amount, and whether to pay gift tax are entered, the total tax paid on gift tax is calculated and expressed by tax category. When the type, estimated market price, loan, acquisition price, rental deposit, acquisition date, and gift tax are entered, the estimated tax amount for gift to be paid is calculated and displayed.
The financial plan providing server calculates capital gains tax accordingly when data of real estate type, ownership type, acquisition date, acquisition price, necessary expenses, expected trading date, and expected selling price are input through the user terminal in the asset transfer item. Provides a function of calculating capital gains tax to be expressed by
The financial planning provision server provides the consulting menu to include retirement preparation items that provide information necessary for retirement preparation, but in the retirement preparation items, the person's current age, spouse (or child) age, monthly pension payment, spouse ( Or child) When data of gender, pension age, pension guarantee age, payment period, and net inheritance value are entered, the total payment amount, the amount accumulated at the beginning of the pension, the annual receipt amount, the evaluation amount of inherited property, and the calculated inheritance tax are calculated for each pension and installment savings. Provides annuity and savings comparison function that is expressed to be calculated and compared,
When the consulting menu is selected, the financial planning provision server displays the individual business entity item, the corporate business entity item, the workplace management item, the asset acquisition item, the asset transfer item, and the retirement preparation item on one screen. Comprehensive financial consulting system, characterized in that.
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