KR102350467B1 - Method and system for providing integrated financial service - Google Patents

Abstract

A method and system for providing integrated financial services are provided. A method of providing an integrated financial service according to embodiments of the present invention includes: managing, by at least one processor included in the computer device, transaction history information of users registered in the payment platform; receiving, by the at least one processor, financial information corresponding to each of the registered users from a plurality of financial platforms providing a plurality of individual financial services; generating, by the at least one processor, integrated financial information for each of the registered users by storing the financial information in a database in association with the registered users; receiving search history information of the registered users from a search platform; and generating, by the at least one processor, credit evaluation information for each of the registered users by using the integrated financial information stored in the database, the transaction history information, and the search history information.

Description

METHOD AND SYSTEM FOR PROVIDING INTEGRATED FINANCIAL SERVICE

The description below relates to a method and system for providing an integrated financial service, and in more detail, by utilizing the user's history (transaction history and/or search history) on a payment platform linked to the search service, An integrated financial service providing method capable of providing integrated financial services for various financial services, a computer device performing the integrated financial service method, and a computer-readable record coupled to a computer to execute the integrated financial service method on a computer It relates to a computer program stored in a medium and a recording medium thereof.

There are prior art technologies for providing integrated financial services for various individual financial services such as securities, banks, and insurance online. For example, Korean Patent Application Laid-Open No. 10-2014-0063053 relates to a financial service hub system for providing integrated financial services, and a common service specialized for the financial service hub system, a basic technical service and utility required for the development of a financial service hub system A financial service hub system including a common financial service department that provides services and a common product service department that manages and provides financial information related to financial products and financial services, and recommends financial products and financial services to customers based on customer information. is starting These prior technologies simply integrate and provide individual financial information provided by each individual platform of securities, banking, and insurance products in one hub system.

It is not a platform in the real financial sector such as a bank, card company, insurance company, etc., but provides a payment service such as 'simple payment' in connection with the platforms of the actual financial sector, and at the same time, the user's history (transaction history and/or or search history) to provide an integrated financial service providing method for financial services such as securities, banking, and insurance, a computer device performing the integrated financial service method, and the integrated financial service in combination with a computer Provided are a computer program stored in a computer-readable recording medium for executing a financial service method on a computer, and a recording medium thereof.

A method for providing an integrated financial service in a payment platform implemented through a computer device, the method comprising: managing transaction history information of users registered in the payment platform by at least one processor included in the computer device; receiving, by the at least one processor, financial information corresponding to each of the registered users from a plurality of financial platforms providing a plurality of individual financial services; generating, by the at least one processor, integrated financial information for each of the registered users by storing the financial information in a database in association with the registered users; receiving, by the at least one processor, search history information of the registered users from a search platform; and generating, by the at least one processor, credit evaluation information for each of the registered users by using the integrated financial information stored in the database, the transaction history information, and the search history information. provide a method for providing

It is not a platform in the real financial sector such as a bank, card company, insurance company, etc., but provides a payment service such as 'simple payment' in connection with the platforms of the actual financial sector, and at the same time, the user's history (transaction history and/or or search history) to provide integrated financial services for financial services such as securities, banks, and insurance.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention.
2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention.
3 is a diagram illustrating an example of an integrated financial service providing system according to an embodiment of the present invention.
4 is a diagram illustrating an example of a credit rating system according to an embodiment of the present invention.
5 is a diagram illustrating an example of a financial advisor system according to an embodiment of the present invention.
6 is a flowchart illustrating an example of a method for providing an integrated financial service according to an embodiment of the present invention.
7 is a flowchart illustrating an example of an integrated financial service providing method further utilizing search details according to an embodiment of the present invention.
8 is a flowchart illustrating an example of a method for providing an integrated financial service that further utilizes credit rating information of a personal credit rating agency according to an embodiment of the present invention.
9 is a diagram illustrating an example of a probability density function according to an embodiment of the present invention.

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

The integrated financial service providing method according to embodiments of the present invention may be implemented through a computer device such as a server, which will be described later. In this case, the computer program according to an embodiment of the present invention may be installed and driven in the computer device, and the computer device may perform the financial service providing method according to the embodiments of the present invention under the control of the driven computer program. have. The above-described computer program may be stored in a computer-readable recording medium in order to be combined with a computer device to execute a method for providing financial services in a computer.

1 is a diagram illustrating an example of a network environment according to an embodiment of the present invention. The network environment of FIG. 1 shows an example including a plurality of electronic devices 110 , 120 , 130 , 140 , a plurality of servers 150 , 160 , and a network 170 . 1 is an example for explaining the invention, and the number of electronic devices or the number of servers is not limited as in FIG. 1 . In addition, the network environment of FIG. 1 only describes one example of environments applicable to the present embodiments, and the environment applicable to the present embodiments is not limited to the network environment of FIG. 1 .

The plurality of electronic devices 110 , 120 , 130 , and 140 may be a fixed terminal implemented as a computer device or a mobile terminal. Examples of the plurality of electronic devices 110 , 120 , 130 , 140 include a smart phone, a mobile phone, a navigation device, a computer, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), and a portable multimedia player (PMP). ), tablet PCs, etc. For example, in FIG. 1 , the shape of a smartphone is shown as an example of the electronic device 1110 , but in the embodiments of the present invention, the electronic device 1110 substantially connects the network 170 using a wireless or wired communication method. It may refer to one of various physical computer devices capable of communicating with other electronic devices 120 , 130 , 140 and/or servers 150 and 160 through the communication system.

The communication method is not limited, and not only a communication method using a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, a broadcasting network) that the network 170 may include, but also short-range wireless communication between devices may be included. For example, the network 170 may include a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , the Internet, and the like. In addition, the network 170 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or a hierarchical network, etc. not limited

Each of the servers 150 and 160 communicates with the plurality of electronic devices 110 , 120 , 130 , 140 and the network 170 through a computer device or a plurality of computers that provides commands, codes, files, contents, services, etc. It can be implemented in devices. For example, the server 150 provides a service (eg, a financial service, a payment service, a social network service, a messaging service, It may be a system that provides a search service, a mail service, a content providing service, etc.).

2 is a block diagram illustrating an example of a computer device according to an embodiment of the present invention. Each of the aforementioned plurality of electronic devices 110 , 120 , 130 , 140 or each of the servers 150 , 160 may be implemented by the computer device 200 illustrated in FIG. 2 , and according to an embodiment The integrated financial service providing method may be performed by the integrated financial service providing system implemented by the computer device 200 .

As shown in FIG. 2 , the computer device 200 may include a memory 210 , a processor 220 , a communication interface 230 , and an input/output interface 240 . The memory 210 is a computer-readable recording medium and may include a random access memory (RAM), a read only memory (ROM), and a permanent mass storage device such as a disk drive. Here, a non-volatile mass storage device such as a ROM and a disk drive may be included in the computer device 200 as a separate permanent storage device distinct from the memory 210 . Also, an operating system and at least one program code may be stored in the memory 210 . These software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210 . The separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, and a memory card. In another embodiment, the software components may be loaded into the memory 210 through the communication interface 230 instead of a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computer device 200 based on a computer program installed by files received through the network 170 .

The processor 220 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations. The instructions may be provided to the processor 220 by the memory 210 or the communication interface 230 . For example, the processor 220 may be configured to execute a received instruction according to a program code stored in a recording device such as the memory 210 .

The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (eg, the storage devices described above) through the network 170 . For example, a request, command, data, file, etc. generated by the processor 220 of the computer device 200 according to a program code stored in a recording device such as the memory 210 is transmitted to the network ( 170) to other devices. Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device 200 through the communication interface 230 of the computer device 200 via the network 170 . A signal, command, or data received through the communication interface 230 may be transferred to the processor 220 or the memory 210 , and the file may be a storage medium (described above) that the computer device 200 may further include. persistent storage).

The input/output interface 240 may be a means for an interface with the input/output device 250 . For example, the input device may include a device such as a microphone, keyboard, or mouse, and the output device may include a device such as a display or a speaker. As another example, the input/output interface 240 may be a means for an interface with a device in which functions for input and output are integrated into one, such as a touch screen. The input/output device 250 may be configured as one device with the computer device 200 .

Also, in other embodiments, the computer device 200 may include fewer or more components than those of FIG. 2 . However, there is no need to clearly show most of the prior art components. For example, the computer device 200 may be implemented to include at least a portion of the above-described input/output device 250 or may further include other components such as a transceiver and a database.

3 is a diagram illustrating an example of an integrated financial service providing system according to an embodiment of the present invention. 3 shows an example of an integrated financial service providing system 300 , and the payment platform 310 can be linked with various individual financial services such as a security 320 , a bank 330 , and an insurance 340 . is indicating In other words, in the payment platform 310 that provides a payment service such as 'simple payment' in connection with the platforms of the actual financial sector, rather than the platform of the actual financial sector such as a bank, card company, or insurance company, securities products, banking products, insurance products, etc. Various financial information such as, etc. may be provided to users. In addition, by providing a unified benefit scheme according to the use of each financial area through the payment platform 310 , it is possible to promote linked business between financial companies in the payment platform 310 . synergies can be created. 3 shows examples of 'accumulating 0.1% of stock transaction amount', 'accumulating 500 won when automatically transferring wages over 1 million won', and 'accumulating 1% of monthly insurance payment' to explain the unified benefit scheme, Those of ordinary skill in the art will be able to easily understand that this is only one embodiment for better understanding, and that the unified benefit scheme according to the present embodiment may be set more diversely for each financial product.

In this case, the amount accumulated in the present embodiment may be managed in addition to the amount previously accumulated for users in the payment platform 310 . In other words, unlike points provided individually in various individual financial services such as the securities 320, the bank 330, and the insurance 340, they can be integrated in the form of goods that can be used for product transactions in the payment platform 310. In addition, users can use the integrated goods for transactions through the payment platform 310 , so that benefits from various financial platforms can be integrated through the payment platform 310 .

In addition, individual financial services of each of the securities 320 , the bank 330 , and the insurance 340 are integrated through the payment platform 310 , and at this time, between the deposit and withdrawal passbook of the bank 330 and the hybrid passbook of the securities 320 . Linkage between the securities 320 , the bank 330 , and the insurance 340 may be made through linkage or mutual cooperation and business cooperation such as deposit and withdrawal passbook of the bank 330 and bancassurance of the insurance 340 .

4 is a diagram illustrating an example of a credit rating system according to an embodiment of the present invention. 4 shows the credit rating system 400, the credit rating system 400 is the transaction details 410 and payment obtained through the payment platform 310 in the integrated financial service providing system 300 described with reference to FIG. It shows that it can be built by applying the search history 430 obtained from the search platform 420 associated with the platform 310 . According to an embodiment, only one of the transaction history 410 and the search history 430 may be utilized. Also, the payment platform 310 may be a platform included in the search platform 420 , or conversely, the payment platform 310 may be a platform including the search platform 420 . According to an embodiment, the payment platform 310 and the search platform 420 are separate platforms provided by different service providers, respectively, and may be linked to each other through partnership.

The existing credit rating system cannot perform a credit rating on uncredited users without financial transactions, and users who do not have a lot of financial transactions have no choice but to be undervalued in the existing credit rating system, whereas the credit rating system 400 according to this embodiment can provide credit evaluation for uncredited users through a transaction pattern according to the transaction history 410 or a search pattern according to the search history 430, Patterns or search patterns can be used to enable more sophisticated credit ratings. The credit rating system 400 according to the present embodiment may provide a new credit rating system in the form of granting additional points to a specific or relative transaction pattern with another credit rating or a search pattern. In other words, by giving additional points according to the transaction history 410 and the search history 430 to users with little or no financial transaction volume, more detailed classification or credit rating improvement for undervalued users can be expected. In addition, the credit rating system 400 according to the present embodiment provides a preferential interest rate to the financial user 440 or risk hedging to the financial operator 450 according to a new and own credit rating system. It is possible to provide additional value to both the user 440 and the financial operator 450 .

5 is a diagram illustrating an example of a financial advisor system according to an embodiment of the present invention. FIG. 5 shows a financial advisor system 500 , and the financial advisor system 500 also provides transaction details 410 obtained through the payment platform 310 in the integrated financial service providing system 300 described with reference to FIG. 3 . ) and the payment platform 310 and the search history 430 obtained from the search platform 420 associated with it. According to an embodiment, only one of the transaction history 410 and the search history 430 may be utilized.

The existing financial advisor system can only recommend financial products or provide a financial portfolio to users by using only users' financial information, and when it comes to recommending financial products or providing a financial portfolio, a shopping transaction that is agilely related to users' real life It is difficult to consider my interests, etc. On the other hand, the financial advisor system 500 according to the present embodiment can determine the consumption habits and interests of the financial user 440 through the transaction history 410 and the search history 430 of the financial user 440 . A more sophisticated analysis of the financial user 440 is possible based on the information. Accordingly, the financial advisor system 500 according to the present embodiment can recommend a more suitable financial product or provide a financial portfolio to the financial user 440 , and provide an additional sales channel to the financial operator 450 or link between industries It will be possible to provide functions for activating sales. For example, the financial advisor system 500 provides the financial operator 450 with information on the financial user 440 determined to be highly interested in insurance products through the search history 430 or the financial user ( 440 ), the financial advisor system 500 may directly provide information on insurance products.

6 is a flowchart illustrating an example of a method for providing an integrated financial service according to an embodiment of the present invention. The integrated financial service providing method according to the present embodiment may be performed by, for example, the computer device 200 implementing the above-described server 150 . The server 150 may correspond to a payment platform 310 that provides a payment service, and the payment platform 310 may be implemented by one or more computer devices 200 . For example, the processor 220 of the computer device 200 may be implemented to execute a control instruction according to a code of an operating system included in the memory 210 or a code of at least one program. Here, the processor 220 causes the computer device 200 to perform steps 610 to 640 included in the method of FIG. 6 according to a control command provided by a code stored in the computer device 200 . can control

In step 610 , the computer device 200 may manage transaction history information of users registered in the payment platform 310 . The payment platform 310 may manage registered users, and may provide a payment service for processing payment according to the registered users' product purchases to the corresponding users. Here, the provision of the payment service to the users may be substantially achieved by communication using the network 170 between the user's terminal device and the payment platform 310 . In addition, users' terminal devices may correspond to the plurality of electronic devices 110 , 120 , 130 , and 140 described above with reference to FIG. 1 . In this case, the payment platform 310 may manage information on payment processed through the payment service as transaction history information. Such transaction history information may be stored and managed for each user through a transaction history database.

In operation 620 , the computer device 200 may receive financial information corresponding to each of the registered users from a plurality of financial platforms that provide a plurality of individual financial services. For example, the computer device 200 uses information of registered users according to a request from users registered in the payment platform 310 or the consent of the registered users to provide financial platforms associated with the payment platform 310 . Financial information corresponding to each of the corresponding users may be provided from the . For example, the financial platforms may be service systems of the financial operators 450 that provide financial services such as the aforementioned securities 320 , the bank 330 , and the insurance 340 , and the payment platforms of the financial operators 450 . It may be linked with the payment platform 310 through entering a store at 310 or affiliation with the payment platform 310 . In this case, the computer device 200 may request financial information of the corresponding user by transmitting information for identifying the corresponding user from the financial platforms to the corresponding financial platform. As information for user identification, a predefined identifier between the payment platform 310 and financial platforms may be used or general identification information may be used.

In operation 630, the computer device 200 may generate integrated financial information for each of the registered users by storing the financial information in a database in association with the registered users. In other words, the computer device 200 can manage the financial information of various individual financial services such as the securities 320 , the bank 330 , and the insurance 340 in an integrated manner for each user.

In operation 640 , the computer device 200 may generate credit evaluation information for each of the registered users by using the integrated financial information and transaction history information stored in the database. At this time, as described above, the computer device 200 performs credit evaluation for each user more precisely by utilizing not only users' financial information, but also transaction patterns or consumption habits according to users' transaction history information. This will enable more sophisticated credit evaluation even for non-credit users or users with low financial transactions.

For example, the computer device 200 analyzes at least one of the degree of increase/decrease of the transaction amount for each period period and the transaction amount for each period period by using the transaction history information, and adds the transaction amount to the credit score generated through the integrated financial information. and an additional point determined according to at least one of the degree of increase/decrease in the transaction amount to generate credit evaluation information. As a more specific example, when the user's monthly shopping expenditure is maintained within a predetermined range for a certain period of time, the computer device 200 may give an additional point to the credit evaluation score of the corresponding user calculated through the integrated financial information.

7 is a flowchart illustrating an example of an integrated financial service providing method further utilizing search details according to an embodiment of the present invention. Step 710 shown in FIG. 7 may be performed between steps 610 and 640 of FIG. 6 , and may be performed in parallel with steps 620 and 630 . In the embodiment of FIG. 7 , an embodiment in which step 710 is performed between steps 630 and 640 will be described.

In operation 710 , the computer device 200 may provide search history information of registered users from the search platform 420 associated with the payment platform 310 . It has been described above that the search history 430 can be provided and utilized from the search platform 420 linked to the payment platform 310 through FIG. 4 . In this case, the computer device 200 may generate credit evaluation information using the integrated financial information, the transaction history information, and the search history information in step 640 .

In one embodiment, the computer device 200 calculates a search frequency for a financial-related search topic by using the search history information, and according to the search frequency calculated in the credit score generated through the integrated financial information and transaction history information Credit evaluation information may be generated by giving the determined additional points. For example, users who frequently search for financial products or visit financial sites may determine that they have high interest in and understanding of finance. The higher the score, the higher the credit rating can be given.

In another embodiment, the computer device 200 analyzes the search frequency for each search time period using the search history information, and is determined according to the search frequency for each search time period in the credit score generated through the integrated financial information and transaction history information Credit evaluation information may be generated by giving additional points. For example, if the search frequency is relatively low during normal office workers' working hours (for example, between 9:00 am and 6:00 pm), the probability that the user has a job is high, so the pattern of low search frequency during the search period When the preset period is maintained, the lower the search frequency and the longer the maintenance period of the pattern, the higher the credit rating may be given.

In another embodiment, the computer device 200 may further use at least one of integrated financial information, transaction history information, and search history information to pre-define at least one transaction pattern for reducing expenditure. For example, a user who can determine through at least one of integrated financial information, transaction history information, and search history information, such as whether the lowest price search filter is used when searching for a product or whether a specific card is used during a discount period You can pre-define a transaction pattern to reduce your spending. At this time, when the transaction pattern of a specific user corresponds to a predefined transaction pattern in step 640 , the computer device 200 generates credit evaluation information by giving an additional point to the credit evaluation score generated through the integrated financial information. can

As such, the computer device 200 can construct a more sophisticated credit evaluation system by variously utilizing search history information as well as transaction history information.

8 is a flowchart illustrating an example of a method for providing an integrated financial service that further utilizes credit rating information of a personal credit rating agency according to an embodiment of the present invention. Steps 810 and 820 shown in FIG. 8 may be performed after step 710 described with reference to FIG. 7 and before step 640 of FIG. 6 .

In operation 810, the computer device 200 may receive credit rating information for each of the registered users from the platform of the personal credit rating agency. The personal credit bureau (CB, Credit Bureau) described in this embodiment is at least one of the specialized credit rating agencies that comprehensively evaluate an individual's creditworthiness by processing and analyzing information provided by financial institutions such as banks and credit card companies. can The payment platform 310 may inquire credit rating information for registered users from the platform of such a personal credit rating agency. For example, the payment platform 310 may request credit rating information of the user by transmitting information that can identify the user from the platform of the personal credit rating agency to the platform of the personal credit rating agency.

In operation 820 , the computer device 200 may analyze a search pattern of a group of users having the same credit rating by using the search history information. For example, the computer device 200 may classify the user group by credit grade by classifying the registered users according to each credit grade used by the corresponding personal credit rating agency, and search history information of users of each classified user group. By analyzing , it is possible to analyze a search pattern for each user group. According to an embodiment, the computer device 200 may limit the search field for analysis of the search pattern by extracting a search pattern for some topics, such as a search pattern for a finance-related topic or a shopping-related topic.

In this case, the computer device 200 may generate credit evaluation information by giving an additional point determined based on the search pattern analyzed to the credit score generated through the integrated financial information and transaction history information in step 640 . As a more specific example, for the first user, the computer device 200 may determine an additional point in proportion to the similarity between the search pattern of the first user and the search pattern of a group of users having a credit rating higher than the credit rating of the first user. . In this case, for the same similarity between the search patterns, the computer device 200 may determine a relatively larger additional point as the difference between the credit rating of the first user and the higher credit rating increases. For example, assuming that credit ratings from ratings 1 to 5 exist, if the search pattern of a user of rating 5 is more similar to that of a set of users of rating 2 than that of a set of users of rating 4 A relatively larger additional point may be provided. In addition, the computer device 200 calculates the similarity between the search patterns by analyzing the coefficient of determination (R-Square) and the significance probability (p value) according to regression using the existing credit rating and the search pattern as independent variables. can

For example, when the sample correlation coefficient r is calculated as in Equation 1 below, the coefficient of determination may be calculated as r ^{2 .}

는 앞서 설명한 신용 등급을 결정하기 위한 신용점수를,

는 신용점수

의 평균을,

는 검색 패턴을,

는 검색 패턴의 평균을 각각 의미할 수 있다. 여기서, 검색 패턴은 검색 빈도, 검색 시간대, 최저가 검색 여부, 청구할인 이용 여부 등에 따라 결정되는 값일 수 있다. r ² 값을 통해 귀무가설이 기각되는 경우 해당 독립 변수가 신용평가에 의미가 있다는 것이 증명되며, 귀무가설이 채택되는 경우 p value를 확인하여 낮은 값이 나오는 경우 귀무가설을 기각하여 해당 독립변수가 신용평가에 영향을 미친다는 점을 증명할 수 있다.here,

is the credit score for determining the credit rating described above,

is the credit score

the average of

is the search pattern,

may mean an average of the search patterns, respectively. Here, the search pattern may be a value determined according to a search frequency, a search time period, whether to search for the lowest price, whether to use a billing discount, and the like. If ^{the null hypothesis is rejected through the r 2} value, it is proved that the independent variable is meaningful in credit evaluation. It can be proved that it affects the credit rating.

On the other hand, when the t score is calculated as in Equation 2 below using the sample correlation coefficient r and the number n of the sample group, the significance probability is greater than the absolute value of the value of the t score in the probability density function. It may mean the sum of the area to the value area.

9 is a diagram illustrating an example of a probability density function according to an embodiment of the present invention. 9 is an area determined by the value of x having an absolute value greater than the absolute value of the t-score calculated through Equation 2 in the probability density function f(x) for the t-score and the probability density function f(x) (p1, p2) is shown.

In this way, the computer device 200 may generate credit rating information of users by further utilizing the credit rating information of the personal credit rating agency and the search history of the users.

As such, according to embodiments of the present invention, payment services such as 'simple payment' are provided in connection with platforms of the real financial sector, rather than the platforms of the actual financial sector such as banks, credit card companies, and insurance companies, and at the same time, payment linked with the search service The platform can provide integrated financial services for financial services such as securities, banking, and insurance by utilizing users' histories (transaction details and/or search history).

The system or apparatus described above may be implemented as a hardware component or a combination of a hardware component and a software component. For example, devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA). , a programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications executed on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that can include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

Software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or apparatus, to be interpreted by or to provide instructions or data to the processing device. may be embodied in The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The medium may continuously store a computer executable program, or may be a temporary storage for execution or download. In addition, the medium may be various recording means or storage means in the form of a single or several hardware combined, it is not limited to a medium directly connected to any computer system, and may exist distributedly on a network. Examples of the medium include a hard disk, a magnetic medium such as a floppy disk and a magnetic tape, an optical recording medium such as CD-ROM and DVD, a magneto-optical medium such as a floppy disk, and those configured to store program instructions, including ROM, RAM, flash memory, and the like. In addition, examples of other media may include recording media or storage media managed by an app store for distributing applications, sites supplying or distributing other various software, and servers. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible from the above description by those skilled in the art. For example, the described techniques are performed in an order different from the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

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Claims (2)

A method of providing an integrated financial service of a payment platform implemented through a computer device, the method comprising:
managing transaction history information of users registered in the payment platform by at least one processor included in the computer device;
receiving, by the at least one processor, financial information corresponding to each of the registered users from a plurality of financial platforms providing a plurality of individual financial services;
generating, by the at least one processor, integrated financial information for each of the registered users by storing the financial information in a database in association with the registered users;
receiving, by the at least one processor, search history information of the registered users from a search platform; and
generating, by the at least one processor, credit evaluation information for each of the registered users by using the integrated financial information stored in the database, the transaction history information, and the search history information;
A method of providing integrated financial services comprising
According to claim 1,
receiving, by the at least one processor, credit rating information for each of the registered users from a platform of a personal credit rating agency; and
analyzing, by the at least one processor, a search pattern of users of each user group classified according to the credit rating, using the search history information;
further comprising,
The step of generating the credit rating information includes:
and generating the credit evaluation information by giving an additional point determined based on the analyzed search pattern to the credit evaluation score generated through the integrated financial information and the transaction history information.

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