KR20150019767A - Server for generating benchmark information of financial products, and method thereof - Google Patents

Abstract

Disclosed are a server and a method for generating benchmark information of financial products. According to the present invention, the server requires a member to simply register only account information without inputting detailed personal information regarding financial transactions, thereby resolving the inconvenience of inputting detailed information and relieving the anxiety about the leakage of input information at the same time. In addition, the member can conveniently find out, through integrated benchmark information, financial institutions and financial products providing a better interest rate than the real interest rate of a financial product purchased by the member, and also can conveniently find out the best financial institution and best financial product when newly purchasing a financial product.

Description

TECHNICAL FIELD [0001] The present invention relates to a benchmark information generation server and a method for generating benchmark information of a financial instrument,

The present invention relates to a technology for generating benchmark information of a financial product by integrating product information including real interest rates of various financial products sold by a plurality of financial institutions utilizing the Internet communication technology.

Generally, owners of financial assets want to place their financial assets on safe and profitable financial instruments. Also, those who want to get a loan also want to get a loan from the most favorable financial institution.

However, there are various types of financial institutions in the market, and since each financial institution sells a large number of financial products, it is virtually impossible to find an optimal loan or receivable matching the desired condition. In addition, each financial institution provides interest rate information on the financial instruments it sells, but this is only an interest rate condition at the time of sale, There is a problem that is difficult to understand unless you ask for information. In addition, since the information provided by the financial institution is limited to the individual, there is a disadvantage in that even if the same financial product type of the same financial institution is used, it can not be judged whether the condition of the subscriber is more favorable or unfavorable than the condition of the subscriber.

In particular, since most financial instruments take variable interest rates rather than fixed interest rates, even if diligent individuals investigate interest rate conditions at the time of signing up from all financial institutions, It is impossible to grasp the interest rate conditions that are received. As a result, individuals can not investigate all the conditions including real interest rates that can be practically offered to all financial institutions in the market. Therefore, financial instruments of a specific financial institution To deposit their own financial assets or to receive a loan.

Meanwhile, with the development of electronic financial technology, most financial institutions now provide various online financial services such as internet banking. With the development of Internet financial services, screen scraping technology has been developed, which is a technology that utilizes a program that is designed to extract only necessary data from the data displayed on the Internet screen. Screen scraping technology has become common in advanced countries such as the United States since the late 1990s. For example, Korean Patent No. 494975 entitled "Method and System for Customer Asset Management Using Screen Scraping Technology".

However, the above-described screen scraping technology allows a plurality of financial institutions to collectively access transaction details and perform transactions without accessing the various financial products owned by the members through internet banking or the like But it is still in the present situation. Therefore, even if the conventional screen scraping technique is used, the real interest rate of the received financial products and the kind of the financial product can not be grasped, and in order to find the optimal financial product suited to the user, You have no choice but to investigate.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the prior art, and it is an object of the present invention to automatically extract financial product information such as financial institution name and financial product type from the account number after receiving only the account number of the user from the member, It is possible to automatically calculate and database the actual interest rate conditions provided by the financial instruments and to integrate financial information and real interest rate conditions that are individually grasped for multiple members and ultimately all financial institutions and all financial institutions The present invention provides a benchmark information generation server and a method for generating a benchmark information of a financial instrument that provides a real interest rate condition for a commodity to members so as to select an optimal financing commodity advantageous to them.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

The benchmark information generation server of the financial product according to the present invention includes: a financial product information analysis module that extracts financial product information including a financial institution name and a financial product type from a specific account number received from a member terminal; A scraping module for accessing a server of a specific financial institution corresponding to the name of the financial institution included in the financial product information and extracting transaction details for a specific financial product corresponding to the specific account number; A real interest rate calculating module for calculating a real interest rate applied to the specific financial product based on the transaction details extracted corresponding to the specific account number; And a benchmark information management module for generating benchmark information matched with the financial product information extracted from the specific account number extracted as the real interest rate extracted corresponding to the specific account number, A plurality of benchmark information is generated from the plurality of account numbers, and the integrated benchmark information including the real interest rate based on the financial product type or the credit rating is generated by integrating the plurality of benchmark information.

Here, the benchmark information generation server may further include a code analysis table in which an account number system is recorded for each financial institution, and the financial product information analysis module compares the code analysis table and the specific account number received from the member terminal So that the name of the financial institution and the type of the financial product can be extracted.

Also, the benchmark information generation server may further include an account type mapping table in which the account type is classified among the transaction history data provided for each financial institution, and the real interest rate calculation module may include: The actual interest rate for the specific financial instrument corresponding to the specific account number may be calculated after comparing the account type among the transaction details with the transaction history mapping table to extract a balance amount of the interest amount and the interest calculation period.

Further, the benchmark information generating server may include an integrated benchmark information generating module for generating the integrated benchmark information from the benchmark information DB storing a plurality of pieces of benchmark information and the plurality of pieces of benchmark information stored in the benchmark information DB And the integrated benchmark information generation module may generate a benchmark curve representing a benchmark interest rate by a financial product category or a credit rating.

According to another aspect of the present invention, there is provided a method for generating benchmark information for a financial product, the method comprising: a financial product information analysis step of extracting financial product information including a financial institution name and a financial product type from a specific account number received from a member terminal; A transaction history extracting step of accessing a server of a specific financial institution corresponding to the financial institution name included in the information and extracting a transaction history of the specific financial product corresponding to the specific account number; A real interest rate calculation step of calculating a real interest rate applied to the specific financial product on the basis of the transaction details; a real interest rate calculation step of calculating a real interest rate, which is matched with the financial product information extracted from the specific account number, And a benchmark information generating step of generating benchmark information.

Then, a plurality of benchmark information is generated from the plurality of account numbers received from the plurality of member terminals, and the integrated benchmark information including the real interest rate according to the entire financial product type or the credit rating And generating an integrated benchmark information.

Also, in the financial product information analysis step, the financial institution name and the financial product type can be extracted by comparing the specific account number received from the member terminal with a code analysis table in which an account number system is recorded for each financial institution.

On the other hand, data on transaction details provided by a financial institution for a specific account number may include information on account type, transaction date, and transaction amount. Further, in the real interest rate calculating step, the transaction history extracted corresponding to the specific account number is compared with the account type mapping table classified by the account type among the transaction history data per financial institution, and the balance of the interest amount and the interest calculation period After extracting the amount, the real interest rate for the specific financial instrument corresponding to the specific account number can be calculated.

In the integrated benchmark information generation step, a benchmark curve indicating a benchmark interest rate may be generated for each financial product type or for each credit grade.

Furthermore, the present invention can be provided as a computer-readable recording medium containing a program for executing the aforementioned benchmark information generation method for financial products.

In the case of using the benchmark information generation server and the generation method of the financial product according to the present invention as described above, the members can easily solve the inconvenience of inputting the information simply by registering the account information without detailed input of the personal information about the financial transaction At the same time, the anxiety due to the possibility of leakage of input information can be solved. In addition, through the integrated benchmark information, members can easily identify financial institutions and financial products that offer interest rates that are more favorable than the real interest rates of the financial instruments to which they subscribe, Product can be checked conveniently.

Furthermore, since integrated benchmark information on all financial institutions and financial products on the market can be generated, it will contribute to establishing a sound financial market order by inducing competition among commercial financial institutions.

On the other hand, when the integrated benchmark information of each financial product type according to the present invention is utilized, it is possible to effectively prevent excessive unfair transaction activities in the second and third financial institutions or the private market. In particular, the greater the number of members who subscribe to the benchmark information generation server of the financial product according to the present invention, the more advantageous effect can be obtained that the real interest rate provided by the non-institutional financial institution can be grasped in more detail.

In addition, the benchmark information generating server and the generating method of a financial product according to the present invention can be applied to a financial institution and a financial institution that are most advantageous based on the account number of a financial product initially registered by the individual member, It is possible to automatically recommend products, and it is also possible to recommend financial products in consideration of changes in the expected market interest rates.

1 is a schematic diagram showing a state in which a benchmark information generation server of a financial product according to the present invention is connected to a server of a member terminal and a financial institution by wire or wireless communication.
2 is a block diagram illustrating a detailed configuration of a benchmark information generation server of a financial product according to the present invention.
FIG. 3 is a flowchart illustrating an overall flow of a method for generating benchmark information of a financial product according to the present invention.
4 is a flowchart illustrating an example of a process of calculating a real interest rate in a method of generating benchmark information of a financial product according to the present invention.
FIG. 5 is a flowchart illustrating an example of a process of automatically extracting financial product information in a method of generating benchmark information of a financial product according to the present invention.
6 is a flowchart illustrating an example of a process of generating integrated benchmark information in a method of generating benchmark information of a financial product according to the present invention.
7 is a graph showing an example of a benchmark curve generated based on integrated benchmark information that can be generated according to the present invention.
FIG. 8 shows an example of a code analysis table in which an account number system is recorded for each financial institution.

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

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

1, a benchmark information generation server 100 (hereinafter referred to as a " generation server ") of a financial product according to the present invention comprises member terminals 201a to 201c used by individual members via a predetermined wired or wireless communication network 10, 201n and servers 301a-301n of the financial institution. The generation server 100 according to the present invention provides a predetermined web page to the member terminal 200 and allows individuals to input their authentication information or account number through the web page. In addition, the creation server 100 can access the servers 301a to 301n of the specific financial institution based on the account number and authentication information input by the members, and can extract transaction details of the financial product for a specific account number. In addition, the generation server 100 may provide real interest rates for various financial products provided by a large number of financial institutions as benchmark information as well as real interest rates for the financial products to which members are subscribed.

The detailed configuration of the production server 100 according to the present invention will be described with reference to FIG.

First, the control unit 111 controls all the components constituting the creation server 100. The communication unit 112 receives or transmits predetermined data to the member terminal 200 or the server 300 of the financial institution through an appropriate communication protocol and the web page management unit 113 receives the predetermined data from the member terminal 200 And provides a screen screen on which data to be received or data to be provided to the member terminal 200 can be properly displayed. The operator may provide a screen configuration that can be implemented in a screen that is convenient for members to use, such as a desktop or laptop computer, and a screen configuration that can be implemented in a mobile electronic device, such as a smart phone, through the web page management unit 113 .

Meanwhile, the creation server 100 may include a function module 120 including a plurality of modules and a database pool 130.

The membership registration and authentication module 121 requests personal information necessary for member registration in the case of a new member, corrects or changes personal information in the case of an existing member, or inputs information necessary for member authentication based on previously stored personal information Request, etc., and perform appropriate procedures for membership, information modification and authentication. Here, the personal information (e.g., member identifier, password, social security number, etc.) received from the member terminal 200 may be recorded in the member DB 131 and managed for each member.

Next, the financial product information analysis module 122 receives the specific account number from the member terminal 200, and extracts the financial product information for the financial product from the received account number. The account number is a number for identifying a subscriber account to be given to subscribers having a predetermined contractual relationship with the financial business, and is generally made up of code combinations of numbers and / or characters. Such an account number may include a code relating to a financial institution, a code relating to a type of a financial instrument to which the financial instrument is attached, a maturity type of a financial instrument, and the combination system of the codes may be different according to a business management environment of a financial institution. Therefore, the operator can reserve the code system analysis table for the account number used by all the financial institutions on the market and store it as the code analysis table 133a in the library 133 in advance. 8, the financial product information analysis module 122 reads the code analysis table 133a in which the account number system is recorded for each financial institution, and reads the code analysis table 133a, The financial product information such as the name of the financial institution and the type of the financial product for the financial product to which the member belongs can be extracted. The financial product information thus extracted can be stored and managed in the member DB 131 together with the account number of the corresponding member. In particular, the type of financial product is information about the type of financial instrument, such as ordinary deposits, fixed deposits, periodic deposits, mutual fund deposits, housing subscription deposits, housing subscription installments, etc., Lt; / RTI > Information on the types of financial products can be used to analyze and acquire basic information about the financial products.

Meanwhile, the creation server 100 may request the member terminal 200 to directly input interest rate information on the account number, or directly transmit transaction details for the account number. If the member directly inputs interest rate information for the account number through the member terminal 200 and transmits the information, the commodity information analysis module 122 stores the commodity information in the member DB 131, Lt; / RTI >

Here, most individuals only know the account number of the financial instrument they are subscribed to, and they do not remember the type and interest rate information of the financial instrument. Therefore, the production server 100 according to the present invention extracts the financial institution name and the financial product type as corresponding financial product information from the account number inputted by the member, and extracts the financial institution name and the financial product type from the server 300 of the specific financial institution ) To extract transaction details corresponding to the input specific account number. Here, the scraping module 123 can extract a transaction history for a specific financial product by receiving, from a member terminal 200, a public certificate and a permission to access a server of a specific financial institution, for example, using a screen scraping technique. Meanwhile, the transaction details extracted through the scraping module 123 include an account type, a transaction date, a transaction amount, and the like. The screen scraping technique used herein may use various known technologies, Will not be described in detail.

On the other hand, when transaction details of a specific account number entered directly by the member are received from the member terminal 200, or when transaction details of a specific account number extracted by the scraping module 123 are extracted, Calculates the real interest rate applied to a specific account number. For example, transaction details received or extracted by the production server 100 may be composed of data sheets as shown in Table 1 below.

Table 1 illustrates transaction details extracted from the server of "A bank ". However, data sheets on these transaction details may differ between financial institutions. Therefore, it is preferable that the operator secure the account type mapping table 133b in which the account type is sorted out from the transaction history data for each financial institution.

Here, the real interest rate calculation module 124 compares the transaction details extracted corresponding to the specific account number with the account type mapping table 133b, and obtains a plurality of (for example, the account type, the transaction date, and the transaction amount) Data can be extracted. For example, in the data sheet shown in Table 1 provided by "A Bank ", the data field corresponding to " transaction date" , And the data field corresponding to the "amount searched for" or "the amount entrusted" is divided into "transaction amount".

The real interest rate calculation module 124 analyzes the transaction history data thus classified to calculate a real interest rate applied to a specific account number. For example, the real interest rate can be calculated as follows.

That is, first, a data field including the string "interest" is extracted from the "account type ".Quot; transaction date "among the data fields for the extracted interest and compares the most recent date" transaction amount "from the data field. Next, the "date of transaction" of the data field for the immediately preceding interest (when there are a plurality of data fields for interest) or the date of the first transaction (when there is only one data field for interest) To calculate the effective trading days of the "interest calculation period". For example, if the initial transaction date or the immediately preceding interest payment date is June 1, and the most recent interest payment date is July 1, the interest calculation period (ie, from June 1 to June 30) The total number of days of calculation in the calculated interest calculation period is divided by the number of days of effective transactions in the interest calculation period to calculate the " Table 2 shows the method of calculating the total amount of the calculation of the right-hand side when the calculation range of interest is from October 1, 2000 to October 31, 2000, and the corresponding interest calculation (I.e., the total amount of the total amount of the calculation of the total number of credits) for the account balances during the period is "44,607,300 won ".

The real interest rate is calculated based on the interest amount and the balance amount calculated in this way. For reference, the balance amount can be calculated according to the following equation (1), and the real interest rate can be calculated according to the following equation (2). In Equation 2, "interest amount" is a transaction amount corresponding to the account type for " interest ", which means the interest actually paid.

[Equation 1]

Balance Amount = (Total Amount) / (Effective Transaction Days)

&Quot; (2) "

Real interest rate = (interest amount) / (average amount)

Next, the benchmark information management module 125 compares the real interest rate calculated through the interest rate information or the transaction history directly input from the member terminal 200, or the transaction details extracted by the scraping module 123 with a specific account number And stores and manages the information as benchmark information. For example, the benchmark information management module 125 may store and manage the financial product information extracted corresponding to the specific account number input from the member terminal 200 and the calculated real interest rate in the benchmark information DB 132 . The benchmark information management module 125 may also store and manage the calculated real interest rate in the member DB 131 in association with the specific account number input from the member terminal 200. [ The real interest rate for a specific account number stored in the member DB 131 is provided to the specific member as real interest rate information on the financial instrument to which the member is subscribed. Also, in the benchmark information DB 132, financial product information, that is, financial institution name, financial product type, and real interest rate can be stored and managed as benchmark information.

Meanwhile, if it is impossible to directly input the maturity type information for the specific account number or the information on the credit rating of the account number, the financial product information analysis module 122 may obtain the benchmark information from the benchmark information DB 132, The credit rating can be obtained from the third personal credit rating information provider using the personal information received from the member terminal 200, have. The maturity type information or the credit rating for a specific member extracted in this way can be stored and managed in the benchmark information DB 132 as benchmark information.

The operator can provide the collected benchmark information to individual members as financial information. However, in the present invention, moreover, it is possible to provide more advantageous financial information to members by collectively managing benchmark information collected from a plurality of members. In other words, a plurality of benchmark information can be generated from the real interest rates received from the plurality of member terminals 200 through the production server 100 or extracted from a plurality of account numbers, Can save and manage the real interest rates on the receiving financial instruments sold to all financial institutions in the market. Accordingly, the generating server 100 may integrate a plurality of benchmark information to generate integrated benchmark information including a real interest rate based on a financial product type or a credit rating for a plurality of financial institutions.

To this end, the production server 100 may further include an integrated benchmark information generation module 126 for generating integrated benchmark information from a plurality of benchmark information stored in the benchmark information DB 132. The integrated benchmark information generation module 126 may generate a benchmark curve representing a real interest rate for each financial institution type or credit grade for a plurality of financial institutions. For example, the benchmark curve generated for a normal deposit product and a savings deposit product is shown in FIG.

The following is a summary of a series of procedures by which the above-described production server 100 provides integrated benchmark information to the member terminal 200.

That is, as shown in FIG. 3, a new member or an existing member is first authenticated (S110), a specific account number is obtained from the member terminal 200 (S120) Or directly extracts the financial product information from the account number using the code analysis table 133a (S130), directly receives the real interest rate from the member terminal 200, (S140). The real interest rate is calculated from the transaction history (S150), and the calculated real interest rate is matched with the financial product information to obtain benchmark information (S160), and the integrated benchmark information is generated and stored (S170) by combining the stored plurality of benchmark information.

Each of the procedures of the above-described method of generating benchmark information of financial products will be described in more detail with reference to FIG. 4 to FIG. For reference, FIGS. 4 to 6 illustrate an exemplary algorithm for each procedure, and the scope of the present invention is not limited thereto.

First, the process of calculating the real interest rate for financial products can be configured as shown in FIG. In other words, after a membership or authentication procedure is performed, a specific account number is received from the member terminal 200. Here, if necessary, the member's authorized certificate can be inputted. 5, when the member inputs the financial institution name and the type of the financial product of the corresponding account in the member terminal 200, the financial institution name and the type of the financial product are stored together with the corresponding account number as the financial product information, And ends the product information analysis process. If the member has not entered the name of the financial institution and the type of the financial product, the financial institution code and the account subject code are extracted from the account number, and the extracted code is compared with the code analysis table 133a to extract the financial product information, And terminates the financial product information analysis process.

Returning back to FIG. 4, if the member inputs the interest rate information of the account number, the user can terminate the process after storing the interest rate information together with the account number. If the member does not input the interest rate information, it is determined whether or not the same financial institution and the same financial product type are registered in the benchmark information DB 132 based on the financial product information analyzed by the financial product information analysis process of FIG. After confirming that the real interest rate is stored, the process is terminated if it is stored. If not stored, the scrapping module 123 connects the past transaction details of the account number to the server 300 of the corresponding financial institution and extracts it. After analyzing the transaction history data by comparing the extracted transaction details with the account type mapping table 133b, if there is more than one account type corresponding to the 'interest' of the financial institution, the most recent interest amount is extracted And calculates the real interest rate of the corresponding account by dividing the interest amount by the average balance amount. The real interest rate thus calculated is matched to the corresponding account number and the financial product information, and is stored in the benchmark information DB 132 together, followed by terminating the process. At this time, if there is no data on the account type and the transaction amount corresponding to 'interest' in the transaction details of the account number, it corresponds to the corresponding account number based on the financial product information analyzed in the process of FIG. The real interest rate corresponding to the same expiry type from the benchmark information created and stored based on the account number of other members for the same financial institution and the same financial instrument type (if the information on expiry type can not be extracted from the account number , A real interest rate corresponding to the "maturity type 1 year") is extracted and stored, or the expected real interest rate is calculated and stored from the integrated benchmark information, for example, by using an interpolation method or an average value calculation. If there is no information in the benchmark information DB 132 corresponding to the financial product information (financial institution, financial product type) of the corresponding account number, the real interest rate of the same maturity type , And if the information on the expiry type can not be extracted from the account number, the real interest rate corresponding to the account number is calculated by using the real interest rate corresponding to the "maturity type 1 year").

Based on the generated benchmark information, integrated benchmark information can be generated and used to generate or update a benchmark curve.

For example, as shown in FIG. 6, the total account numbers obtained from a plurality of members are grouped into financial product categories (or credit rating categories) that are defined in advance. Then, regroup according to the predefined maturity type criteria for single or multiple account numbers corresponding to a particular financial product category (or credit rating). Next, it is determined whether there is a maturity type in which one or more account numbers exist. If there is no maturity type, the process is terminated. If so, interest rate information for the entire account number corresponding to the specific maturity type is extracted. Thereafter, a 'benchmark interest rate' is calculated for the specific maturity type of a particular financial product category (or a specific credit rating). Here, the 'benchmark interest rate' can be calculated according to conditions preset by the operator, and may be set to a maximum value or an average value among the total real interest rates for a specific maturity type of a specific financial product type (or a specific credit rating) . If a benchmark interest rate has been calculated for all of the expiration types for which there is more than one account number, the benchmark interest rate of the expiration type with no account number is calculated using the calculated benchmark interest rate, for example, using interpolation or the like . Thereafter, a benchmark curve for a particular financial instrument is created using the benchmark interest rate for all maturity types, and the process is terminated once the benchmark curve for all financial instruments has been generated. Using the benchmark information thus obtained, for example, as shown in FIG. 7, a benchmark curve for all types of financial products (or all credit ratings) can be provided.

Meanwhile, the benchmark information generation method of the financial product described above can be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable recording medium. At this time, the computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. On the other hand, the program instructions recorded on the recording medium may be those specially designed and configured for the present invention or may be available to those skilled in the art of computer software.

The computer-readable recording medium includes a magnetic recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, an optical medium such as a CD-ROM and a DVD, a magnetic disk such as a floppy disk, A magneto-optical media, and a hardware device specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. The recording medium may be a transmission medium, such as a light or metal line, a wave guide, or the like, including a carrier wave for transmitting a signal designating a program command, a data structure, and the like.

The program instructions also include machine language code, such as those generated by the compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

In the case of using the benchmark information generation server and generation method of the financial product according to the present invention as described above, since the members only need to input the account number, through the integrated benchmark information provided from the generation server 100 with the minimum information input, It is easy to check financial institutions and financial instruments that provide interest rates that are more favorable than the real interest rates of the financial instruments to which they are subscribed. Therefore, members can use the integrated benchmark information to decide whether to keep their current financial instruments or to convert them to other financial instruments. Also, even when the user desires to find a new financial product, the member can select the most advantageous savings product or loan product through the integrated benchmark information provided from the creation server 100. Therefore, individuals can register financial information in the office or home by registering only the account number after registering with the generation server 100, thereby eliminating the inconvenience of having to visit all the financial institutions in the market to obtain information can do.

Further, integrated benchmark information for all financial institutions and financial products on the market can be generated and utilized through the production server 100 by changing the current transaction environment in which financial institutions unilaterally determine interest rates, It can contribute to establishing market order. That is, the financial institutions check the integrated benchmark information provided by the generation server 100, and adjust the interest rate conditions for the financial instruments provided by them in comparison with the interest rate conditions for the financial instruments provided by other financial institutions. Therefore, if the interest rate conditions provided by other financial institutions are too disadvantageous to attract subscribers, the sales of financial products by the financial institutions will not be good. As a result, the benchmark information generation server and generation method of financial products according to the present invention will contribute to establishment of a sound financial market order because it will induce competition among commercial financial institutions.

Meanwhile, the benchmark information generation server and generation method of the financial product according to the present invention can effectively prevent excessive unfair transaction activity in the second and third financial institutions or the private market. That is, those who are vulnerable to financial information can easily grasp whether the transaction conditions they are currently trading with are appropriate through the integrated benchmark information provided according to the present invention. In particular, in the case of a non-institutional financial institution, it is not possible to obtain interest information for judging the adequacy of the interest rate condition. However, as the number of members who have joined the benchmark information generation server of the financial product according to the present invention increases, It is possible to obtain a more advantageous effect of grasping the real interest rate in more detail.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. It is therefore to be understood that the embodiments of the invention described herein are to be considered in all respects as illustrative and not restrictive, and the scope of the invention is indicated by the appended claims rather than by the foregoing description, Should be interpreted as being included in.

Claims (10)

A financial product information analysis module for extracting financial product information including a financial institution name and a financial product type from a specific account number received from the member terminal;
A scraping module for accessing a server of a specific financial institution corresponding to the name of the financial institution included in the financial product information and extracting transaction details for a specific financial product corresponding to the specific account number;
A real interest rate calculating module for calculating a real interest rate applied to the specific financial product based on the transaction details extracted corresponding to the specific account number; And
And a benchmark information management module for generating benchmark information matched with the financial product information extracted from the specific account number, the real interest rate extracted corresponding to the specific account number,
Generates a plurality of benchmark information from a plurality of account numbers received from a plurality of member terminals and integrates the plurality of benchmark information to generate integrated benchmark information including a real interest rate based on a financial product type or a credit rating And a server for generating a benchmark information of a financial product.
The method according to claim 1,
Wherein the benchmark information generation server further includes a code analysis table in which an account number system is recorded for each financial institution, and the financial product information analysis module compares the code analysis table and the specific account number received from the member terminal, A name of a financial institution, and a type of the financial product.
The method according to claim 1,
The benchmark information generation server may further include an account type mapping table in which account types are sorted out of transaction history data for each financial institution,
The real interest rate calculation module compares the transaction details extracted corresponding to the specific account number with the account type mapping table to extract a balance amount of the interest amount and the interest calculation period, And calculating a real interest rate for the commodity based on the actual interest rate.
The method according to claim 1,
The benchmark information generating server further includes an integrated benchmark information generating module for generating the integrated benchmark information from the benchmark information DB storing a plurality of pieces of benchmark information and the plurality of pieces of benchmark information stored in the benchmark information DB and,
Wherein the integrated benchmark information generation module generates a benchmark curve indicating a benchmark interest rate for each financial product category or credit rating.
A financial product information analysis step of extracting financial product information including a financial institution name and a financial product type from a specific account number received from a member terminal;
A transaction history extracting step of accessing a server of a specific financial institution corresponding to the name of the financial institution included in the financial product information and extracting transaction details of the specific financial product corresponding to the specific account number;
A real interest rate calculating step of calculating a real interest rate applied to the specific financial product based on the transaction details extracted corresponding to the specific account number;
And a benchmark information generating step of generating benchmark information matched with the financial product information extracted from the specific account number extracted as the real interest rate corresponding to the specific account number, A method for generating mark information.
6. The method of claim 5,
Generates a plurality of benchmark information from a plurality of account numbers received from a plurality of member terminals and integrates the plurality of benchmark information to generate integrated benchmark information including a real interest rate based on a financial product type or a credit rating And generating an integrated benchmark information. ≪ Desc / Clms Page number 20 >
6. The method of claim 5,
Wherein the financial institution name and the financial product type are extracted by comparing the specific account number received from the member terminal with a code analysis table in which an account number system is recorded for each financial institution in the financial product information analysis step, How to generate benchmark information for financial products.
6. The method of claim 5,
In the real interest rate calculating step, the transaction history extracted corresponding to the specific account number is compared with the account type mapping table classified by the account type among the transaction history data of each financial institution to calculate a balance amount of the interest amount and the interest calculation period Calculating a real interest rate for the specific financial instrument corresponding to the specific account number after extracting the benchmark information.
The method according to claim 6,
Wherein the step of generating the integrated benchmark information comprises generating a benchmark curve indicating a benchmark interest rate for each financial product category or each credit grade.
A computer-readable recording medium storing a program for executing a method for generating a benchmark information of a financial product according to any one of claims 5 to 9.

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