KR20040075194A - Method of providing a service of the financial structure consulting - Google Patents

Abstract

PURPOSE: A method for offering a financial structure consulting service is provided to correctly offer the information for a financial structure to a member by easily obtaining the data for assets, debts, income, and expenditure from a user, as reducing stress and load by representing the stress index and offering a simple game if a stress index is over a predetermined value. CONSTITUTION: The basic information including a consumption propensity inputted from a customer is stored, and an initial value and a basic change unit for the stress index are set by using the inputted information(S200). The financial information for the assets, the debts, the income, and the expected expenditure inputted from the customer is stored, and the change of the stress index is provided in real-time based on the inputted financial information(S200). The stress index and the financial structure analyzed by the basic information and the financial information are provided to the customer(S300).

Description

How to provide a service of the financial structure consulting}

The present invention relates to a method for providing a financial structure consulting service, and in particular, a method for providing a financial structure consulting service that provides information on the financial state of a customer by analyzing the financial structure based on the information on the income or expenses of the customer provided from the customer. It is about.

In general, it is not easy for the public to figure out what their financial structure is. To understand an individual's financial structure, data about assets, liabilities, income and expenses is needed. In the above, assets can be divided into real estate and real estate, which refers to fixed income, such as salary, and funds generated through stocks or financial companies, and real estate refers to funds generated by land, apartments or buildings. . Debts can include mortgage loans or credit loans from various financial institutions. Revenues can include fixed income, such as salary, or variable income from interest or side jobs. Expenditures may include living expenses, insurance premiums, parental support expenses, and installment expenses.

On the other hand, even if the above data is known, it is difficult to grasp its own financial structure because it does not know how to grasp its own financial structure using the above data. As a result, most people find their financial structures through financial companies.

In order for a financial company to understand its financial structure, it must provide the financial company with all its data about its assets, liabilities, income and expenses. However, most people are reluctant to reveal data on assets, liabilities, income, and expenditures, and bother to enter a lot of data as above, so they can obtain data about their financial structure from individuals. There is a difficulty in providing.

Therefore, in order to solve the above problems, the present invention analyzes the propensity of customers and introduces the concept of numerically showing the psychological state such as the burden or happiness caused by the changes in the assets, liabilities, incomes and expenses of the customers. In other words, whenever a user enters detailed data on assets, liabilities, income, or expenditures, he or she calculates in real time the impact on the user's financial structure, such as a financial burden or a sense of well-being. The number of faces and figure of facial expressions, and at the same time, if the stress index for life and finances is above a certain level, a simple game is provided to reduce stress and burden, which induces interest to the user Easily obtain data on assets, liabilities, income and expenses, and provide financial structure consulting services that can provide accurate information on financial structure while acquiring more members and data. There is a purpose.

1 is a flowchart illustrating a financial structure consulting service providing method according to an embodiment of the present invention.

FIG. 2 is a detailed flowchart illustrating the customer disposition analysis step of FIG. 1.

3A to 3I are screens provided to a customer in a customer disposition analysis step.

4 is a detailed flowchart illustrating the life and financial stress measurement steps of FIG. 1.

5A through 5K are screens provided to a customer in a life and financial stress measurement step.

6A through 6C are screens provided to customers in the step of providing a result of analysis of life and financial stress.

7 is a screen provided to the customer for receiving and storing additional information from the customer.

The financial structure consulting service providing method according to the present invention receives and stores the basic information on the personal information including the propensity to consume from the customer, and sets the initial value and the basic unit of change of the index for the psychological state of the customer from the basic information Psychological status measurement, which receives and stores current financial information about assets, income, liabilities, expenditures, and prospective expenditure plans from customers, and provides real-time changes in the psychological state index according to the financial information entered. And providing an analysis result for providing the client with the psychological status index and the financial structure analyzed according to the basic information and the financial information.

In the above, the customer disposition analysis step of receiving and storing the basic information including the social security number, date of birth or blood type from the customer, and receives and stores information on the consumption consciousness or consumption pattern through a survey from the customer and the consumption propensity Determining an initial value of the psychological state index according to the basic information and the consumption information, and setting a basic unit of change of the psychological state index according to the monthly average total income of the customer.

The stress measuring step is to receive and store information on the expenditure of the customer while providing a change in the psychological state index according to the expenditure information in real time, and the psychological state index according to the debt information while receiving and storing the information about the customer's debt. Providing a change in real time, providing a change in a psychological state index according to the asset information in real time while receiving and storing information on a customer's asset, and receiving and storing information on a customer's income. Providing a change in psychological state index according to the information in real time. At this time, the psychological state index compares the information input by the customer with the default value and varies by the basic change unit according to the difference. On the other hand, if the psychological state index exceeds a certain level set as the risk level, the game may be provided after the corresponding step is completed to reduce the stress or burden of the customer to continue to provide information.

In addition, the method may further include storing information about the life event plan and the anticipated expenditure plan by age group. Life event planning and expected spending planning by age group include providing the customer with relevant icons related to life events, such as marriage, childbirth, car purchases, and when children are educated, and placing the icons at the appropriate age in the life plan. , And detect the change in the position of the icon changed by the customer and calculates and shows the customer's age where the icon is moved and the standard cost of the event. Can be. On the other hand, some icons are initially displayed at the corresponding position of the life plan automatically through the current age, marital status, child information, etc. previously input from the customer.

The above information may be input by a customer directly by inputting a number or by adjusting an area of a graph.

The analysis results providing step includes providing the appropriate situation explanation or countermeasure according to the psychological state index together with the final psychological state index of the client, providing the graph of the client's financial situation, and encouraging the customer to join the membership. And receiving and storing the information.

The psychological state index may be measured by life stress index or financial stress index.

Another aspect of the present invention provides a computer readable recording medium having recorded thereon a program for executing a method for providing a financial structure consulting service. A "computer-readable recording medium" is a medium which can record various data information through a computer and can be extracted as needed, and is not particularly limited and can be various kinds. For example, a magnetic tape, a magnetic disk, a magnetic drum, an IC Cards, CD-ROMs, DVD-ROMs, and the like.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention. However, the present invention is not limited to the embodiments disclosed below, but may be embodied in various different forms, and only the embodiments are intended to complete the disclosure of the present invention and to those skilled in the art. It is provided for complete information. In the drawings, like reference numerals refer to like elements.

1 is a flowchart illustrating a financial structure consulting service providing method according to an embodiment of the present invention.

Referring to Figure 1, the financial structure consulting service providing method according to an embodiment of the present invention includes a customer disposition analysis step (S100), life and financial structure stress measurement step (S200), analysis result providing step (S300). do.

In the customer propensity analysis step (S100), simple information is input from a customer who accesses a program or a homepage through a wired / wireless communication network or an internet communication network, stored in a customer database, and the consumption information of the customer is judged based on the input information to provide life / finance Set the initial value of the stress index and the base unit of change. At this time, the user's propensity to consume may be determined by receiving information on the consumption consciousness or the consumption pattern through a simple questionnaire together with the social security number, date of birth, and blood type from the customer.

In the stress measurement step (S200), current financial information including information on assets, income, liabilities and expenditures input from the customer, and an estimated future expenditure plan is received, and the asset database, income database, debt database, and expenditure database of the customer database are input. Each of them is stored in, and the input information shows the life stress and financial structure stress index. At this time, information on assets, income, liabilities, and expenditures is information that customers are reluctant to reveal. Therefore, in order to input such information more comfortably and casually, the change in life stress and financial structure stress index is shown in real time to see the effect on life stress and financial structure stress whenever the information is inputted. It is interesting. In addition, if the life stress and financial structure stress index exceeds a certain value set as a risk value, the game can be provided to ease the psychological burden of the customer, thereby making it easier to obtain information on assets, income, liabilities and expenses from the customer. .

In the step of providing life and financial stress analysis results (S300), all the information input from the customer is used to provide the customer with the result of the financial situation along with the stress analysis result, and store it in the financial structure database of the customer database. At this time, the stress analysis results can provide detailed analysis results and alternatives of assets, incomes, liabilities and expenses, and the financial situation results show graphs of assets, incomes, liabilities and expenses. It is possible to show at a glance. In this way, while providing the customer with the results of each analysis of his / her financial structure and alternatives to future expenses, if the customer is not a member, additional information necessary for membership is recommended by encouraging membership through the provision of various services. Enter and save.

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

FIG. 2 is a detailed flowchart illustrating the customer propensity analyzing step of FIG. 1, and FIGS. 3A to 3I are screens provided to a customer in the customer propensity analyzing step.

Referring to FIG. 2, the customer propensity analysis step includes a basic information storage step S110, a consumption propensity measurement step S120, a life and financial stress default value setting step S130, and a stress change value setting step S140.

2 and 3a, first, when a customer accesses a financial structure consulting service site or program, a description of the overall process of the financial structure consulting service or a consumption propensity analysis step, which is the first step of the financial structure consulting service, are performed. A screen with an orientation button and a propensity analysis button is provided for selection. When you move your mouse over an orientation button or a propensity analysis button, a description of that button is displayed. Here, when the orientation button is clicked, the screen shown in FIGS. 3B to 3E is provided to the customer so that the customer can know the contents of the financial structure consulting service. On the other hand, when the propensity analysis button is clicked, the screens shown in FIGS. 3F to 3I are provided to receive and store information on consumption consciousness or consumption pattern through a simple survey from the customer along with the social security number, date of birth, and blood type.

Referring to FIG. 3F, as a basic information storing step (S110 of FIG. 2), when the customer clicks the propensity analysis button, a screen for inputting simple information such as the name, date of birth, gender, blood type, etc. of the customer is displayed. When the customer clicks the Next button after inputting the above information, the screen of FIG. 3G is displayed after storing the above information. If there is an error in the inputted information, an error message is displayed and then re-entry is induced.

Referring to FIG. 3G, information about a living pattern of a customer may be stored through a simple survey.

Referring to FIG. 3H, as a step of measuring a consumer's consumption propensity (S120 of FIG. 2), information about a customer's consumption pattern may be stored through a simple survey. Subsequently, as the life / financial stress default setting step (S130 of FIG. 2), the customer is provided with information about his or her consumption pattern and actual expenditure, and stores it, and compares it with a predetermined criterion. Determine the stress situation and determine the customer's initial stress index. For example, the customer's initial stress index can be determined according to Table 1 below.

A good deal Not pricey Spend more A type (life: 65, finance: 60) C type (life: 40, finances: 65) More income B type (life: 60, finances: 45) D type (life: 35, finances: 40)

As mentioned above, if the customer spends more money than he or she earns, the initial index of life stress and financial stress is set to the highest with Type A. The initial index of financial stress is set to the lowest.

Referring to FIG. 3I, the customer may be informed of the stress situation of the customer determined according to the information input by the customer. Meanwhile, as a change value setting step of the stress index (S140 of FIG. 2), a change value of the stress index to be changed according to data to be input later from the customer is set. For example, the change value of the stress index may be determined based on the monthly total income input from the customer, as shown in Table 2 below.

1 million ~ 2 million won 2 million ~ 3 million won 3 million ~ 4 million won More than 4 million won Average monthly income 1,540,000 2,520,000 3,380,000 4,560,000 Change unit 80,000 130,000 170,000 230,000 Change in stress Life: -1, Finance: -1 Life: -1, Finance: -1 Life: -1, Finance: -1 Life: -1, Finance: -1

Referring to Table 1 and Table 2, if the customer is frugal and spends more on Type A and the average monthly income is between $ 1 and $ 2 million, the customer's initial life stress index is 65, the initial financial stress index is 60, and average monthly income If the difference between the average monthly income and the actual monthly income is more than 80,000 won, the daily life and financial stress index is increased or decreased by 1 to determine the customer's stress index.

As a result, the propensity analysis of the customer is completed, and after receiving additional data from the customer, the data is stored and provided to the customer, the stress index and the financial structure of the customer analyzed according to the input data. Hereinafter, the case where the customer is A type and the income is 1 million won to 2 million won will be described as an example.

4 is a detailed flowchart illustrating the life and financial stress measurement step of FIG. 1, and FIGS. 5A to 5K are screens provided to a customer in the life and financial stress measurement step.

Referring to FIG. 4, the life and financial stress measurement step may include storing information about expenses (S210), storing information about debts (S220), storing information about assets (S230), and storing information about income ( S240), and may further include the step (S250) of storing information about the expected spending plan by age group.

Referring to FIGS. 5A and 5B, as information storage step (S210) regarding expenses, information about monthly expenses is received from a customer and stored. Expenditures can include living expenses, insurance expenses, pension expenses, and installment expenses. More specifically, living expenses may include food expenses, clothing expenses, medical expenses, education expenses, cultural expenses, transportation expenses, cultural expenses, utilities, parental support expenses, taxes, social insurance expenses, and other miscellaneous expenses. Coverage cost information includes monthly payments and maturity amounts for insurance, and may include information about the start / expiration date of the insurance. Pension cost information includes monthly payments and maturity amounts for pensions, and may include information about the start / expiration date of the insurance. The installment cost information may include installment products, installment interest rates, installment periods, and monthly payments. The above information may be directly inputted by the customer in numbers or letters, and the information may be input in a manner in which the customer directly controls an area of the graph provided to the customer. If the customer enters a number, the partition is automatically adjusted according to the number entered in the area of the graph. On the contrary, if the customer adjusts the area of the graph, the number is automatically entered according to the area. At this time, the color of the graph is different for each area, the overall size of the graph can be adjusted by the customer. The information entered by the above method is stored when the customer presses the next button.

On the other hand, when the customer inputs the information, the life stress index and the financial stress index is recalculated according to the input information, and the changed life stress index and the financial stress index are shown to the customer in real time to induce the interest of the customer. For example, life stress and financial stress can be recalculated based on the table below to vary the stress index.

Income: 1 to 2 million won Reference value Unit of change stress Remarks living expenses Food expenses 390,000 16,000 Life-1, Finance + 1 Clothing fee 70,000 7,000 Life-1, Finance + 1 Medical expenses 65,000 6,500 Life-1, Finance + 1 Education fee 140,000 12,000 Life-1, Finance + 1 Cultural expenses 64,000 6,400 Life-1, Finance + 1 Transportation expenses 120,000 10,000 Life-1, Finance + 1 dues 200,000 14,000 Life-1, Finance + 1 Parental Support 120,000 11,000 Finance + 1 No change in stress after 1 year Tax and Social Insurance 150,000 13,000 Life-1, Finance + 1 Miscellaneous Miscellaneous 160,000 13,000 Life-1, Finance + 1 Guaranteed cost product name Monthly payment 170,000 30,000 Life-1, Finance + 2 start date Expiration date If the expiration date has passed, the financial stress caused by the premium is zero (all invalid), life stress -3 Maturity Pension expenses product name Monthly payment 30,000 5,000 Life-1, Finance + 2 start date Expiration date If the expiration date has passed, the financial stress caused by the premium is zero (all invalid), life stress -3 Maturity No influence Installment cost Installment Installment rate Installment period If the expiration date has passed, the financial stress due to the installment payment is zero (all invalid). Monthly payment 300,000 20,000 Life-1, Finance + 1

As shown in Table 3, if the customer is A type (Life: 65, Finance: 60) and the average monthly gross income is 1 million to 2 million won, the initial value for each item is set, and the information input from the customer is Compared to the standard value of the item, the stress index changed according to the difference is shown to the customer in real time. On the other hand, while showing the stress index in real time, it can also provide an appropriate situation description according to the index. The initial values, change units, and stress changes described in Table 3 above depend on the average monthly gross income of customers.

If the customer enters the above items and clicks the next button, the next step is taken. If the stress index is above a certain level, a simple game is provided to reduce the stress or burden of the customer so that the information can be continuously provided. .

Referring to FIGS. 5C and 5D, in operation S220 of storing information on debt, information about the total debt is received from a customer and stored. Specifically, the debt history may include mortgage loans, credit loans, etc., and receives and stores information on the loan name, amount, interest rate, repayment start, repayment end, and loan conditions. At this time, the change in the stress of the customer according to the debt details, if the monthly average total income is 1 million to 2 million won, the daily stress is deducted by 1 for every difference of 2 million won with the standard value set to 20 million won. The financial stress can be calculated by increasing it by two. In addition, loan interest rates can control life and financial stress. This calculation can also depend on the customer's monthly average gross income.

Similarly, the above information may be directly input by the customer in numbers or letters, and the information may be input in a manner in which the customer directly controls the area of the graph provided to the customer. If the customer enters a number, the area is automatically adjusted according to the number entered in the area of the graph. On the contrary, if the customer adjusts the area of the graph, the number is automatically entered according to the area. At this time, the color of the graph is different for each area, the overall size of the graph can be adjusted by the customer.

In addition, when the customer enters the above items and clicks the next button, the information is stored and then moved to the next step. When the stress index is above a certain value, a simple game is provided to reduce the stress or burden of the customer. Ensure that information is provided on an ongoing basis.

Referring to FIGS. 5E to 5G, as information storage step S230 of an asset, information about a total asset information is received from a customer and stored. Specifically, the asset details may include deposits, savings, liquid assets, housing, investment-type real estate, automobiles, and the like, and receive and store specific information. In this case, the change in the stress of the customer according to the asset details, if the monthly average total income is 1 million to 2 million won, it can be recalculated based on Table 4 below to change the stress index.

Income: 1 to 2 million won Reference value Unit of change stress Remarks Deposit product name Average balance Valuation by deposit sum interest rate Savings product name Maturity Valuation by deposit sum start date Expiration date Life stress within 5 years -5 Monthly payment 80,000 Life-2, Finance + 1 Every time you exceed the unit interest rate Stress calculation 7,500,000 750,000 Life-1, Finance-2 * Based on deposit amount + savings amount Stress calculation 80,000 Life-1, Finance-2 * Interest income (interest rate * amount / 12) Liquidity Assets (Securities) Name of financial institution Price Valuation by adding up liquid assets Average yield Liquidity Assets (bonds) product name Price Valuation by adding up liquid assets start date Expiration date -5 life stress within a year Average yield Stress calculation 3,500,000 350,000 Life-1, Finance-2 * Based on total amount of securities + bonds Stress calculation 350,000 Life-1, Finance-2 * Rate of return * amount / 12 Housing Ownership Self-employed life-5, monthly rent financial +5 Residence classification Apartment life-5, finance +5 cigar 70,000,000 10,000,000 Life-1 Investment Property Kinds cigar 0 10,000,000 Life-1 Average monthly revenue 0 80,000 Life-1, Finance-1 car Car type Year Unit price 8,000,000 1,000,000 Life-1, Finance-1 Etc Asset Name Evaluation amount 0 10,000,000 Life-1 Monthly average income 0 80,000 Life-1, Finance-1

Similarly, the above information may be directly input by the customer in numbers or letters, and the information may be input in a manner in which the customer directly controls the area of the graph provided to the customer. If the customer enters a number, the area is automatically adjusted according to the number entered in the area of the graph. On the contrary, if the customer adjusts the area of the graph, the number is automatically entered according to the area. At this time, the color of the graph is different for each area, the overall size of the graph can be adjusted by the customer.

In addition, when the customer enters the above items and clicks the next button, the information is stored and then moved to the next step. When the stress index is above a certain value, a simple game is provided to reduce the stress or burden of the customer. Ensure that information is provided on an ongoing basis.

Referring to FIG. 5H, in operation S240 of receiving information, information about monthly average total income is received from a customer and stored. Specifically, the income details include spouse income as well as my own income, and receive and store item information about the income history. The change in customer stress according to the asset breakdown changes the daily stress and financial stress by 1 for each difference of 80,000 won when the monthly average gross income is between 1 million won and 2 million won. It can be calculated by the method. This calculation can also depend on the customer's monthly average gross income.

Similarly, customers can enter information by entering a number directly or by adjusting the area of the graph, and if the stress index exceeds a certain number, the game can be continuously provided by providing a game to reduce the stress or burden of the customer. To be able.

Referring to FIGS. 5I to 5K, in operation S250, information about an anticipated expenditure plan for each age group is stored by planning a life event over time, and the current income and retirement age of the person and the spouse. Enter your age, save your future plans, along with your estimated expenses. In this case, the future plans may include real estate purchase, car purchase, marriage, childbirth, and retirement plan. Customers can plan their lives by placing relevant icons on life events, such as marriage, childbirth, car purchases, and when to educate their children, at the appropriate age in the life plan. In addition, these icons may automatically appear based on the current age, marital status, child information, and the like previously entered by the customer. That is, life events that can occur universally are automatically calculated based on information provided by the customer, and the icons appear on the life schedule. For example, if you enter your child's age of 3 years old, the life schedule icon automatically related to your child's education is automatically created when your child receives college education. Of course, it is also possible for the customer to adjust the position of these icons to control the timing of college education. The location of the icon changed by the customer is detected by the system, and the customer's age where the icon is moved and the standard cost of the event are automatically calculated, and the customer can adjust the cost and delete the icon.

The customer moves the icon corresponding to the life event to the appropriate place in the life schedule, edits and enters the title and the cost, and then clicks the next button. The entered life event information is stored.

The change in the stress of the customer according to the life event history can be calculated by changing the life stress and the financial stress by 1 each time the 80,000 won increase if the monthly average total income is 1 million won to 2 million won. This calculation can also depend on the customer's monthly average gross income.

As a result, all the information for determining the financial structure with the customer's life / financial stress is stored. Afterwards, the customer is provided with an evaluation of the financial structure along with the customer's life / financial stress analyzed through stored information.

6A through 6C are screens provided to customers in the step of providing a result of analysis of life and financial stress.

6A and 6B, in the step of providing life and financial stress analysis results (S300), first, the stress index for each item is shown to the customer along with the total stress index of life and finance calculated through all the information input from the customer. . Along with the stress index, you can also provide an appropriate description of the situation. The customer can print the stress index, and if you click the financial situation cleanup button, as shown in Figure 6b can be provided with a graph to view the financial situation on assets, liabilities, income and expenditure at a glance.

Referring to FIG. 6C, a member may be encouraged to enter additional personal information while promising to provide various services to a customer.

7 is a screen provided to the customer for receiving and storing additional information from the customer.

Referring to FIG. 7, when the customer wishes to register as a member or receives additional services, the additional item of FIG. 7 is inputted and stored. This completes the basic financial structure consulting service.

The invention is not limited to the specific field herein described with reference to the suitable embodiments, but rather the scope of the invention should be understood by the claims herein.

As described above, the present invention provides the user with assets, liabilities, income or expenses in the process of analyzing customer disposition and analyzing the life and financial stress based on data on the user's assets, liabilities, income and expenses and providing the result. Every time you enter detailed data on the user's financial structure, it calculates the impact on the user's financial structure in real time to show the psychological state, such as burden or happiness, as a change in facial expressions in figures and face figures. If it is above a certain number, it provides a simple game to reduce stress and burden, which induces interest to users, making it easier to obtain data on assets, liabilities, incomes and expenses, thereby increasing the number of members and Get data and provide accurate information about your financial structure. have.

Claims (12)

A customer propensity analysis step of receiving and storing basic information on an individual's personal information including a propensity to consume from a customer, and setting an initial value and a basic change unit of an index of the psychological state of the customer from the basic information; A psychological state measurement step of receiving and storing current financial information about assets, income, liabilities, expenses and future expected spending plans from the customer, and providing a change in the psychological state index in real time according to the input financial information; And And providing an analysis result for providing the client with the psychological state index and the financial structure analyzed according to the basic information and the financial information. The method of claim 1, The customer disposition analysis step of receiving and storing the basic information including the social security number, date of birth or blood type from the customer; Receiving and storing information on a consumption consciousness or a consumption pattern through a questionnaire from the customer and determining a consumption tendency; Setting an initial value of the psychological state index according to the basic information and consumption information; And And setting a basic change unit of the psychological state index according to the monthly average gross income of the customer. The method of claim 1, The stress measuring step may include receiving and storing information regarding the expenditure of the customer in real time to provide a change in the psychological state index according to the expenditure information; Providing a change in the psychological state index according to the debt information in real time while receiving and storing information about the debt of the customer; Providing, in real time, a change in the psychological state index according to the asset information while receiving and storing information about the asset of the customer; And And providing a change in the psychological state index according to the income information in real time while receiving and storing information on the income of the customer. The method according to claim 1 or 3, The psychological state index is a financial structure consulting service providing method, characterized in that by comparing the information input by the customer and the default value by the basic change unit according to the difference. The method of claim 3, wherein If the psychological state index exceeds a certain value set as the risk level, the financial structure consulting service provided to provide a game after the corresponding step is completed to reduce the stress or burden of the customer to continuously provide information Way. The method of claim 3, wherein And storing information about the life event plan and the expected expenditure plan by age group. The method of claim 6, wherein the life event plan and the expected spending plan by age group, Providing a customer with a corresponding icon related to a life event such as marriage, childbirth, car purchase, and education of a child; Placing the icon at the corresponding age in the life schedule; And Detecting a change in the position of the icon changed by the customer is input through the step of calculating the customer age and the standard spending cost of the event where the icon is moved, and the standard spending cost is manufactured by the customer Method of providing a financial structure consulting service, characterized in that the icon can be deleted. The method of claim 7, wherein The icon is a financial structure consulting service providing method, characterized in that initially appearing in the corresponding position of the life plan automatically initially through the current age, marital status, child information, etc. previously input from the customer. The method of claim 3, wherein The information is inputted in a manner that the customer directly enters the number or adjusts the area of the graph financial structure consulting service providing method. The method of claim 1, The providing of the analysis result may include providing an appropriate situation description or coping method according to the psychological state index together with the final psychological state index of the customer; Providing a graph of the financial situation of the customer; And Inviting the customer to join the financial structure consulting service providing method comprising the step of receiving and storing additional information. The method according to any one of claims 1, 2, 3, 4, 5 and 10, The psychological state index is a financial structure consulting service providing method characterized in that measured by the life stress index or financial stress index. A computer-readable recording medium having recorded thereon a program for executing the method for providing financial structure consulting service according to any one of claims 1 to 11.