KR20190082150A - Method and apparatus for analyzing finance lifestyle using financial information - Google Patents

Abstract

The present invention provides a method for analyzing a finance life pattern using financial information and a device thereof. The device for analyzing a finance life pattern comprises: a control unit collecting financial information of a user, analyzing a finance life pattern of the user based on the collected financial information, and providing financial advice to the user based on the analyzed finance life pattern; and a memory in which the collected financial information is stored.

Description

[0001] METHOD AND APPARATUS FOR ANALYZING FINANCIAL LIFESTYLE USING FINANCIAL INFORMATION [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and an apparatus for analyzing a financial life pattern using financial information, and more particularly, to a method and an apparatus for analyzing a user's financial life pattern information based on financial information of a user.

In recent years, as user terminals such as smart phones have become popular, financial transactions including online settlement or banking are being activated through user terminals.

In addition, financial transactions using electronic settlement methods such as credit cards and simple settlement are becoming more popular than financial transactions through existing cash.

In the case of online financial transactions or financial transactions using electronic settlement methods, it is common to store financial transaction records in order to secure transactions.

However, there is a problem that it is difficult to confirm whether or not an online financial transaction or electronic settlement means can be easily taken by other users and thus is an actual user's financial transaction.

In the related art, Korean Patent Laid-Open Publication No. 10-2013-0030343 relates to a financial transaction system and method using a radio wave identification tag card and a communication terminal having a radio wave identification tag recognition function, A communication terminal capable of recognizing a radio wave identification tag possessed by the user, a server for registering the user and a card, and a financial transaction service having a convenient procedure, It is not possible to confirm whether it is a financial transaction by means of.

Therefore, a technique for solving the above-described problems is required.

On the other hand, the background art described above is technical information acquired by the inventor for the derivation of the present invention or obtained in the derivation process of the present invention, and can not necessarily be a known technology disclosed to the general public before the application of the present invention .

The embodiments disclosed herein are aimed at providing a financial life pattern analysis method and apparatus using financial information.

The embodiments disclosed herein are aimed at providing a financial life pattern analysis method and apparatus using financial information for analyzing a financial life pattern of a user utilizing collected financial transaction data of a user.

The embodiments disclosed herein are aimed at providing a financial life pattern analysis method and apparatus using financial information in which a user repeatedly trades or extracts fixed costs from financial transaction data.

Embodiments disclosed herein are directed to a method and apparatus for analyzing a financial life pattern using financial information that provides a user with a tailored financial proposal based on an analyzed financial transaction.

According to one embodiment of the present invention, there is provided an apparatus for analyzing a financial life pattern using financial information, the apparatus comprising: means for collecting financial information of a user and, based on the collected financial information, And a memory for storing the collected financial information and a control unit for providing financial advice to the user based on the analyzed financial life pattern.

According to another embodiment, there is provided a method of analyzing a financial life pattern using financial information, the method comprising: collecting financial information of a user; analyzing a financial life pattern of the user based on the collected financial information; And providing financial advice to the user based on the analyzed financial life pattern.

According to another embodiment, there is provided a computer-readable recording medium on which a program for performing a financial life pattern analysis method is recorded, the method comprising: collecting financial information of a user; Analyzing the user's financial life pattern and providing financial advice to the user based on the analyzed financial life pattern.

According to another embodiment, there is provided a computer program stored in a recording medium for performing a financial life pattern analysis method, the computer life pattern analysis method comprising the steps of: collecting financial information of a user; Analyzing the user's financial life pattern based on the collected financial information, and providing financial advice to the user based on the analyzed financial life pattern.

According to any one of the above-mentioned means for solving the above-mentioned problems, it is possible to provide a financial life pattern analysis method and apparatus using financial information.

According to any one of the above-mentioned problem solving means, it is possible to suggest a financial life pattern analysis method and apparatus using financial information for analyzing a financial life pattern of a user by utilizing collected financial transaction data of a user.

According to any one of the above-mentioned problem solving means, it is possible to suggest a financial life pattern analysis method and apparatus using financial information in which a user repeatedly trades or extracts fixed costs from financial transaction data.

According to any one of the above-mentioned problem solving means, a method and apparatus for analyzing a financial life pattern using financial information providing a customized financial proposal to a user based on analyzed financial transactions can be presented.

The effects obtained in the disclosed embodiments are not limited to the effects mentioned above, and other effects not mentioned are obvious to those skilled in the art to which the embodiments disclosed from the following description belong It can be understood.

1 is a block diagram illustrating a financial life pattern analyzing apparatus according to an embodiment of the present invention.
2 is a flowchart illustrating a method for analyzing a financial life pattern according to an embodiment.
3 is an exemplary diagram for explaining a method of analyzing a financial life pattern according to an embodiment.

Various embodiments are described in detail below with reference to the accompanying drawings. The embodiments described below may be modified and implemented in various different forms. In order to more clearly describe the features of the embodiments, detailed descriptions of known matters to those skilled in the art are omitted. In the drawings, parts not relating to the description of the embodiments are omitted, and like parts are denoted by similar reference numerals throughout the specification.

Throughout the specification, when a configuration is referred to as being "connected" to another configuration, it includes not only a case of being directly connected, but also a case of being connected with another configuration in between. In addition, when a configuration is referred to as "including ", it means that other configurations may be included, as well as other configurations, as long as there is no specially contradicted description.

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

Before describing this, we first define the meaning of the terms used below.

In the following, 'financial transactions' are individual transactions in which capital moves according to the user's economic activities. Information including at least one financial transaction generated based on a user is referred to as 'financial information'.

Terms other than those defined above are explained below separately.

1 is a block diagram illustrating a financial life pattern analyzing apparatus 10 according to an embodiment of the present invention.

The financial life pattern analyzing apparatus 10 may be implemented as an electronic terminal or a server-client system, and the system may include an electronic terminal equipped with an application for online service for interaction with a user .

At this time, the electronic terminal can be implemented as a computer, a portable terminal, a television, a wearable device, or the like, which can be connected to a remote server through a network N or connected to other terminals and servers. Here, the computer includes, for example, a notebook computer, a desktop computer, a laptop computer, and the like, each of which is equipped with a web browser (WEB Browser), and the portable terminal may be a wireless communication device , Personal Communication System (PCS), Personal Digital Cellular (PDC), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), Global System for Mobile communications (GSM), International Mobile Telecommunication (IMT) (W-CDMA), Wibro (Wireless Broadband Internet), Smart Phone, Mobile WiMAX (Mobile Worldwide Interoperability for Microwave Access) (Handheld) based wireless communication device. In addition, the television may include an Internet Protocol Television (IPTV), an Internet television (TV), a terrestrial TV, a cable TV, and the like. Further, the wearable device is an information processing device of a type that can be directly worn on a human body, for example, a watch, a glasses, an accessory, a garment, shoes, and the like. The wearable device can be connected to a remote server via a network, Lt; / RTI >

1, an apparatus 10 for analyzing a financial life pattern according to an embodiment may include an input / output unit 110, a control unit 120, a communication unit 130, and a memory 140.

The input / output unit 110 may include an input unit for receiving an input from a user, and an output unit for displaying information such as a result of a job or a state of the financial life pattern analyzer 10. For example, the input / output unit 110 may include an operation panel for receiving user input and a display panel for displaying a screen.

In particular, the input unit may include devices capable of receiving various types of user input, such as a keyboard, a physical button, a touch screen, a camera or a microphone. Also, the output unit may include a display panel or a speaker. However, the present invention is not limited to this, and the input / output unit 110 may include various input / output support structures.

The control unit 120 controls the overall operation of the financial life pattern analyzer 10 and may include a processor such as a CPU. The control unit 120 may control other components included in the financial life pattern analyzer 10 to perform an operation corresponding to the user input received through the input /

For example, the control unit 120 may execute a program stored in the memory 140, read a file stored in the memory 140, or store a new file in the memory 140. [

The controller 120 may collect the financial information of the user. According to the embodiment, the financial information can be collected from a date set by the user or a predetermined period before the user requests the analysis of the financial information.

For example, the control unit 120 may acquire information on a user's card information, a bank account, etc. from a user, and may acquire information on the card information, bank account, etc. from the date specified by the user, The past user's card usage history or bank transaction history of the month can be collected.

For example, the control unit 120 may collect financial information by identifying a financial transaction for a period designated by the user based on the contents of a message received through SMS or another application in the terminal within a period designated by the user have.

For example, the control unit 120 determines the transaction history of the user in the past three months from the time when the user requests analysis of the financial information from a server of a financial institution such as a bank, insurance, or credit card company selected by the user using the public certificate obtained from the user , Insurance details, etc. can be collected.

The controller 120 can analyze the user's financial life pattern based on the collected financial information.

For this, the control unit 120 can extract financial transactions that are repeatedly generated at a predetermined cycle from the collected financial information.

For example, the control unit 120 may extract a financial transaction in which the same number of times of the same type of financial transactions as the predetermined reference is repeated two or more times from the financial information of the past one month at the date designated by the user.

The control unit 120 may classify the financial transaction based on the type of the financial transaction included in the extracted financial transaction.

For example, the control unit 120 can classify a financial transaction as a credit card, a check card, or a bank transfer among the financial transactions included in the financial information, or can classify the transaction as an example, a deposit, an insurance payment, .

The controller 120 analyzes the financial information on the basis of at least one of the time when the financial transaction is generated, the business type, and the merchant, and identifies the financial life pattern of the user based on the analyzed financial information.

For example, the control unit 120 can analyze the time, place and frequency of using the taxi based on the financial information of the past three months, and the user can taxi more than 10 times a month after around 11:00 pm Can be identified.

For example, the control unit 120 can analyze financial transactions occurring in a mutual place where 'coffee' is entered during the financial transaction of the 'rest service' in December, From 8:30 am to 50:00 am, you can identify patterns of financial life that you buy around Samsung stations.

For example, the control unit 120 can analyze financial transactions generated at mutual places related to alcohol during the financial transactions at the 'normal restaurants', analyze the financial transactions at " after 10:00 pm, You can identify patterns of financial life that are drunk on a 'Wednesday, Friday' evening.

At this time, if the goods or services sold at the place where the financial transaction is occurred are unclear, the control unit 120 can search for the name in which the financial transaction occurred and identify the financial transaction object of the user.

For example, the control unit 120 can search for a post having a mutual hash tag among the posts uploaded to other servers, analyze a photograph or text included in the retrieved post, and identify a product or service And may identify the identified goods or services as purchased by the user.

Alternatively, the control unit 120 may receive information on a financial transaction object from a user.

For example, the control unit 120 may directly input an item of a financial transaction for a 'white house', which is a place where a financial transaction occurred, as 'Korean food' from a user.

Meanwhile, the control unit 120 can identify whether the user is in a financial transaction when analyzing the user's financial information.

That is, the control unit 120 can identify whether a financial transaction of a newly created user is a normal financial transaction based on the collected financial information, and if the financial transaction is of a type deviating from the financial life pattern analyzed in the collected user's financial information, You can notify the agency.

For example, when the place where the financial transaction of a newly generated user is located abroad is that the control unit 120 can identify whether or not the transaction information purchased from the ticket is included in the collected financial information of the user, If there is no transaction, it can be identified as not a normal financial transaction. Then, the control unit 120 may provide the financial transaction to the card company or the police.

Alternatively, if it is determined that the collected financial information is a financial transaction that is out of the financial life pattern of the financial information of the user, the control unit 120 analyzes the financial information of the user including the financial transaction to identify the financial life pattern of the user can do.

Thereafter, the control unit 120 may provide financial advice related to the financial transaction based on at least one of occurrence frequency, amount, and cycle for a financial transaction corresponding to a preset condition based on the identified financial life pattern.

According to an embodiment, when the control unit 120 does not have a financial transaction during the period of collecting the financial information, the control unit 120 may provide the user with information related to the saving as financial advice.

Alternatively, if there is a financial transaction, the control unit 120 may analyze the extracted financial transaction as described above and provide financial advice if there is a financial transaction corresponding to the predetermined condition.

According to one embodiment, the control unit 120 may provide financial advice in accordance with the amount the user spends.

For example, the control unit 120 can analyze whether the credit card transaction is included in the card payment amount of the collected financial information, and if the installment financial transaction is included, the financial adviser " / 30] You should write less than ten thousand won. " At this time, the control unit 120 may provide the card installment amount and details as detailed information.

According to another embodiment, the control unit 120 may provide financial advice in accordance with category financial transactions.

For example, if there is more than 50,000 won of the financial transaction amount settled in the 'main store' between 22:00 on the day before the user's request for financial information analysis and 06:00 on the day, the control unit 120 determines' Is like a lubricant of life! By the way, you can generate a financial advisor yesterday that the price of liquor came up to [the amount of financial transactions]. "

At this time, if the controller 120 generates the financial advice for the consumable financial transaction as described above, the controller 120 may not generate financial advice for the same financial transaction for a certain period of time.

Unlike the above, if the user does not have a predetermined financial transaction, the control unit 120 may provide financial advice to the user to control the financial transaction.

For example, if there is no financial transaction for taxi in the fourth week of financial information for one month, and there is a financial transaction for two or more taxis a week in week 1 to week 3, Calculate the average amount of financial transactions using taxis in week 3 or week and calculate "Wow! I can generate financial advice that "I made a profit when I saved [the amount saved / 0.02] won into a 2% interest rate deposit."

Meanwhile, the control unit 120 may automatically generate a phrase for generating financial advice.

For example, the control unit 120 can collect sentences containing similar words related to financial transactions to provide financial advice from other servers, and can generate financial advice by rearranging the words based on the collected sentences. have.

Or if, for example, one of the financial advice provided to the other user behaves according to the provided financial advice, the control unit 120 weights the financial advice to generate the financial advice provided to the other user You can generate financial advice that reflects on the weights.

In this way, by analyzing the financial information of users and providing financial advice, which is a visual data including financial data based on financial transaction, And at the same time have a sound consumer life.

The control unit 120 may recommend a financial product related to a financial transaction corresponding to a predetermined condition based on a financial life pattern.

For example, if the user has a high frequency of financial transactions at a 'general restaurant', the control unit 120 can recommend a card having a discount at a general restaurant, and a user who has a financial transaction to purchase 'coffee' You can recommend a card with a discount on coffee.

At this time, the control unit 120 may provide the user with a predicted benefit when the user changes to the proposal financial product.

The communication unit 130 can perform wired / wireless communication with another device or a network. To this end, the communication unit 130 may include a communication module supporting at least one of various wired / wireless communication methods. For example, the communication module may be implemented in the form of a chipset.

The wireless communication supported by the communication unit 130 may be Wi-Fi (Wireless Fidelity), Wi-Fi Direct, Bluetooth, UWB (Ultra Wide Band), NFC (Near Field Communication), or the like. The wired communication supported by the communication unit 130 may be, for example, USB or High Definition Multimedia Interface (HDMI).

Various types of data such as files, applications, programs, and the like can be installed and stored in the memory 140. [ The control unit 120 may access the data stored in the memory 140 and use the data or store the new data in the memory 140. [ Also, the control unit 120 may execute a program installed in the memory 140. [ Referring to FIG. 1, a program for performing a financial life pattern analysis method may be installed in the memory 140.

2 is a flowchart illustrating a method for analyzing a financial life pattern according to an embodiment.

The method for analyzing the financial life pattern according to the embodiment shown in FIG. 2 includes steps that are processed in a time-series manner in the financial life pattern analyzer 10 shown in FIG. Therefore, the contents described above with respect to the financial life pattern analyzer 10 shown in FIG. 1 can be applied to the financial life pattern analyzing method according to the embodiment shown in FIG.

2 is described below with reference to FIG. FIG. 3 is an exemplary diagram for explaining a method of analyzing a financial life pattern according to an embodiment, and shows an example of a screen displayed on the screen D of the electronic terminal in which the financial life pattern analyzing apparatus 10 is implemented.

First, the financial life pattern analyzing apparatus 10 can collect financial information of a user (S2001).

According to one embodiment, the financial life pattern analyzing apparatus 10 can collect financial information from a user terminal.

For example, the financial life pattern analyzing apparatus 10 may receive a credit card settlement confirmation message or a bank account transfer confirmation message from a message received by another application installed in the SMS or the user terminal via the application installed in the user terminal Financial information can be collected.

According to another embodiment, the financial life pattern analyzing apparatus 10 may acquire personal information from a user and collect financial information of a user from a server of the financial institution.

For example, the financial life pattern analyzing apparatus 10 can acquire a public certificate from a user. Based on the obtained public certificate, the financial life pattern analyzing apparatus 10 acquires, from the bank, credit card company or insurance company, Can be collected.

The financial life pattern analyzer 10 can analyze the financial life pattern of the user based on the collected financial information (S2002).

 To this end, the financial life pattern analyzer 10 may extract financial transactions that are repeatedly generated at predetermined intervals from the financial information, and classify the financial transactions based on the types of financial transactions included in the extracted financial transactions.

For example, the financial life pattern analyzing apparatus 10 can extract financial transactions that are generated twice or more in a week from the collected financial information, and can classify them into cards, transfers, etc. according to the types of financial transactions have.

The financial life pattern analyzer 10 can analyze financial information based on at least one of a time when the financial transaction is generated, an industry type, and an affiliated store, and can identify the financial life pattern of the user based on the analyzed financial information .

According to one embodiment, the financial life pattern analyzing apparatus 10 can analyze a financial transaction according to a business type, and can identify a financial life pattern of a user who uses the business type.

For example, the financial life pattern analyzer 10 analyzes the financial transaction for 'taxi', and based on the time, place and frequency of the user taking the taxi in one week, To take a taxi to identify the financial life pattern.

For example, the financial life pattern analyzing apparatus 10 can analyze the financial transactions in the 'main store' and analyze the financial life pattern in which a user drinks 'sake' on Thursday and Friday around 'Gangnam Station' can do.

According to another embodiment, the financial life pattern analyzing apparatus 10 can analyze the financial transactions according to the timing and identify the financial life pattern of the user by time zone.

For example, the financial life pattern analyzer 10 can analyze financial transactions from 10:00 pm to 2:00 am on the following day to identify "drinking" from 10:00 pm on Saturday, Taxi "between 2 am and 2 am.

According to another embodiment, the financial life pattern analyzing apparatus 10 can analyze a financial transaction according to a merchant point to identify a financial life pattern of the user.

For example, the financial life pattern analyzer 10 can analyze the mutual financial transactions of the user by business type and identify the merchant that the user uses for each business type.

According to the embodiment, the financial life pattern analyzing apparatus 10 can analyze a financial life pattern of a user by analyzing a financial transaction according to a criterion combining at least one of a time, an industry type, and an affiliated store.

For example, the financial life pattern analyzing apparatus 10 analyzes the financial transaction at the 'pub' during the financial transactions of January every year, identifies the number and timing of drinking the user at January every year, Can be analyzed.

Then, the financial life pattern analyzing apparatus 10 can provide financial advice to the user based on the analyzed financial life pattern (S2003).

That is, the financial life pattern analyzing apparatus 10 provides financial advice related to the financial transaction based on at least one of occurrence frequency, amount and cycle for a financial transaction corresponding to a predetermined condition based on the identified financial life pattern can do.

For example, if the amount of money spent by the user in step S2002 is greater than the amount of money related to alcohol during the past three months, the financial life pattern analyzer 10 may be able to " Please refrain from thinking about your health. "

Alternatively, for example, if the user does not use the 'taxi' for two weeks or more in the 'taxi' utilization financial life pattern analyzed in the step S2002, the financial life pattern analyzer 10 saves' over 100,000 won! Let's start with the savings. "

FIG. 3 is an exemplary view showing a screen on which financial advice is displayed on a user terminal. Referring to FIG. 3, the financial life pattern analyzer 10 can provide information 301 of the user's analysis of the week's financial information through step S2002, and when the financial transaction related to ' Financial advice 302 may be provided to maintain a reduced financial life pattern.

Meanwhile, the financial life pattern analyzer 10 can recommend a financial product related to a financial transaction corresponding to a predetermined condition based on the financial life pattern of the user analyzed in the step S2002.

For example, the financial life pattern analyzing apparatus 10 analyzes the financial information of a user and provides a financial advice to a user in a 'normal restaurant' if the user has many financial transactions in a 'normal restaurant' .

The term " part " used in the above embodiments means a hardware component such as a software or a field programmable gate array (FPGA) or an ASIC, and the 'part' performs certain roles. However, 'part' is not meant to be limited to software or hardware. &Quot; to " may be configured to reside on an addressable storage medium and may be configured to play one or more processors. Thus, by way of example, 'parts' may refer to components such as software components, object-oriented software components, class components and task components, and processes, functions, , Subroutines, segments of program patent code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays, and variables.

The functions provided within the components and components may be combined with a smaller number of components and components or separated from additional components and components.

In addition, the components and components may be implemented to play back one or more CPUs in a device or a secure multimedia card.

The financial life pattern analysis method according to the embodiment described with reference to FIG. 2 may also be implemented in the form of a computer-readable medium storing instructions and data executable by a computer. At this time, the command and data may be stored in the form of program code, and when executed by the processor, a predetermined program module may be generated to perform a predetermined operation. In addition, the computer-readable medium can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. The computer-readable medium can also be a computer storage medium, which can be volatile and non-volatile, implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data, For example, computer recording media may include magnetic storage media such as HDDs and SSDs, optical recording media such as CD, DVD and Blu-ray discs, or other types of media accessible via a network. May be the memory included in the server.

Also, the financial life pattern analysis method according to the embodiment described with reference to FIG. 2 may be implemented by a computer program (or a computer program product) including instructions executable by a computer. A computer program includes programmable machine instructions that are processed by a processor and can be implemented in a high-level programming language, an object-oriented programming language, an assembly language, or a machine language . The computer program may also be recorded on a computer readable recording medium of a type (e.g., memory, hard disk, magnetic / optical medium or solid-state drive).

Therefore, the financial life pattern analysis method according to the embodiment described with reference to FIG. 2 can be implemented by the computer program as described above being executed by the computing device. The computing device may include a processor, a memory, a storage device, a high-speed interface connected to the memory and a high-speed expansion port, and a low-speed interface connected to the low-speed bus and the storage device. Each of these components is connected to each other using a variety of buses and can be mounted on a common motherboard or mounted in any other suitable manner.

Where the processor may process instructions within the computing device, such as to display graphical information to provide a graphical user interface (GUI) on an external input, output device, such as a display connected to a high speed interface And commands stored in memory or storage devices. As another example, multiple processors and / or multiple busses may be used with multiple memory and memory types as appropriate. The processor may also be implemented as a chipset comprised of chips comprising multiple independent analog and / or digital processors.

The memory also stores information within the computing device. In one example, the memory may comprise volatile memory units or a collection thereof. In another example, the memory may be comprised of non-volatile memory units or a collection thereof. The memory may also be another type of computer readable medium such as, for example, a magnetic or optical disk.

And the storage device can provide a large amount of storage space to the computing device. The storage device may be a computer readable medium or a configuration including such a medium and may include, for example, devices in a SAN (Storage Area Network) or other configurations, and may be a floppy disk device, a hard disk device, Or a tape device, flash memory, or other similar semiconductor memory device or device array.

It will be apparent to those skilled in the art that the above-described embodiments are for illustrative purposes only and that those skilled in the art will readily understand that various changes and modifications can be made without departing from the spirit or scope of the present invention. You will understand. It is therefore to be understood that the above-described embodiments are to be considered in all respects only as illustrative and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

It is to be understood that the scope of the present invention is defined by the appended claims rather than the foregoing description and should be construed as including all changes and modifications that come within the meaning and range of equivalency of the claims, .

100: financial life pattern analyzer
110: Input / output unit
120:
130:
140: Memory

Claims (12)

An apparatus for analyzing a financial life pattern using financial information,
A controller for collecting financial information of a user, analyzing a user's financial life pattern based on the collected financial information, and providing financial advice to the user based on the analyzed financial life pattern; And
And a memory for storing the collected financial information. The method according to claim 1,
Wherein,
Extracts a financial transaction repeatedly generated at a predetermined cycle from the financial information, and classifies the financial transaction based on a type of financial transaction included in the extracted financial transaction. 3. The method of claim 2,
Wherein,
Analyzing the financial information based on at least one of a time when the financial transaction is generated, an industry type, and an affiliated store, and identifying a financial life pattern of the user based on the analyzed financial information. The method of claim 3,
Wherein,
And provides financial advice related to the financial transaction based on at least one of occurrence frequency, amount and cycle for a financial transaction corresponding to a predetermined condition based on the identified financial life pattern. The method according to claim 1,
Wherein,
And recommends a financial product related to a financial transaction corresponding to a predetermined condition based on the financial life pattern. A method for analyzing a financial life pattern using a financial life pattern analyzing apparatus,
Collecting financial information of a user;
Analyzing the user's financial life pattern based on the collected financial information; And
And providing financial advice to the user based on the analyzed financial life pattern. The method according to claim 6,
Wherein analyzing the financial life pattern comprises:
Extracting a financial transaction repeatedly generated at a predetermined cycle from the financial information; And
And classifying the financial transaction based on a transaction type included in the extracted financial transaction. 8. The method of claim 7,
Wherein analyzing the financial life pattern comprises:
Analyzing the financial information based on at least one of a time when the financial transaction is generated, an industry type, and an affiliated store; And
Further comprising the step of identifying a financial life pattern of the user based on the analyzed financial information. 9. The method of claim 8,
Wherein analyzing the financial life pattern comprises:
And providing financial advice related to said financial transaction based on at least one of occurrence frequency, amount and cycle for financial transactions that meet predetermined conditions based on the identified financial life pattern. Way. The method according to claim 6,
The financial life pattern analysis method includes:
And recommending a financial product related to a financial transaction corresponding to a predetermined condition based on the financial life pattern. A computer-readable recording medium on which a program for carrying out the method according to claim 6 is recorded. A computer program stored in a medium for performing the method according to claim 6 performed by a financial life pattern analyzing apparatus.

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