KR20190082153A - Apparatus and method for recommending financial product - Google Patents

Abstract

Provided are a financial item recommendation apparatus and a financial item recommendation method. According to one embodiment of the present invention, the financial item recommendation apparatus comprises: a memory storing financial item information; and a control unit recommending a financial item to a second user, based on at least one of asset information, characteristic information, and financial transaction information of a first user.

Description

[0001] APPARATUS AND METHOD FOR RECOMMENDING FINANCIAL PRODUCT [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial product recommendation apparatus and a method for recommending a financial product, and more particularly, to a recommendation apparatus and method for recommending a financial product that enables a user to increase an asset.

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 payment means such as credit card, simple settlement, etc. are increasing more than financial transaction through existing cash.

As the financial transaction environment changes, each financial institution develops and promotes various types of financial products. However, as the various payment means or financial products increase, related information also exponentially increases, making it difficult for a user to select a financial product suitable for him / her.

Korean Patent Laid-Open Publication No. 10-2013-0030343, which is related to the prior art, discloses a radio communication system using a radio wave identification tag card and a communication terminal capable of recognizing radio wave identification tags owned by both parties of a transaction, It proposes a method of providing a safe financial transaction service to the transaction parties, but does not solve the above-mentioned problem.

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 .

Embodiments disclosed herein are aimed at providing a financial product recommendation apparatus and a method for recommending a financial product.

The embodiments disclosed herein are also intended to suggest a financial product recommendation device and a method for recommending a financial product that can recommend a customized financial product.

It is also an object of the present invention to provide a financial product recommendation apparatus and a financial product recommendation method that can facilitate an increase in a user's assets.

It is also an object of the present invention to provide a financial product recommendation apparatus and a financial product recommendation method capable of quickly providing a user with a customized financial product portfolio at low cost and with low cost.

Embodiments disclosed herein are also intended to provide a method and apparatus for recommending a financial instrument that facilitates subscribing to a recommended financial instrument.

According to an embodiment of the present invention, there is provided a financial product recommendation apparatus comprising: a memory for storing financial product information; at least one of asset information, characteristic information, and financial transaction information of a first user; And a controller for recommending the financial product to the second user.

According to another embodiment, a financial product recommendation method includes collecting asset information, characteristic information, and financial transaction information of a first user, and collecting financial information of the first user based on at least one of asset information, characteristic information, 2 < / RTI >

According to another embodiment, there is provided a computer-readable recording medium on which a program for performing a financial product recommendation method is recorded, the method comprising: collecting asset information, characteristic information, and financial transaction information of a first user; And recommending a financial product to a second user based on at least one of asset information, characteristic information, and financial transaction information of the first user.

According to another embodiment, the financial product recommendation method is a computer program stored in a medium for performing a financial product recommendation method, the financial product recommendation method comprising: collecting asset information, characteristic information, and financial transaction information of a first user; And recommending a financial product to a second user based on at least one of asset information, characteristic information and financial transaction information of the first user.

According to any one of the above-mentioned problem solving means, a financial product recommendation apparatus and a financial product recommendation method can be presented.

Further, according to any one of the above-mentioned problem solving means, it is possible to provide a financial product recommendation apparatus and a financial product recommendation method that can recommend a user-customized financial product.

Further, according to any one of the above-mentioned problem solving means, it is possible to provide a financial product recommendation apparatus and a financial product recommendation method that can facilitate the increase of the user's assets.

Further, according to any one of the above-mentioned tasks, it is possible to provide a financial product recommendation apparatus and a method for recommending a financial product that can provide a user with a customized financial product portfolio quickly and at a low cost.

According to any one of the above-mentioned means for solving the above-mentioned problems, it is possible to suggest a financial product recommendation apparatus and a financial product recommendation method that facilitate the entry of a recommended financial product.

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 product recommendation apparatus according to an exemplary embodiment of the present invention.
2 is a flowchart illustrating a method of recommending a financial product according to an exemplary embodiment of the present invention.
FIGS. 3 to 6 are illustrations for explaining a financial product recommendation method 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.

Financial transactions include all transactions in which a user moves goods on and off. Such information on financial transactions is called "financial transaction information". The financial transaction information includes all information related to the financial products that the user trades with, and may include, for example, the history of the user's financial products, history of use of the financial products, and the like.

At this time, 'subscription history' is information about subscription of financial products, which may include types of financial products to which the user subscribes, the period of the users' retention by financial products, and withdrawal. Also, 'usage history' is all information related to the use of the financial products to which the user has subscribed, and may include balance, transaction amount, usage pattern, etc. according to financial products. The usage pattern may include information such as the frequency of use of the financial product, the time of use, the usage period, the date of use, and the main use merchant.

On the other hand, 'asset information' refers to all the assets that have economic value that the user owns. The asset information can be, for example, a user's cash holdings, real estate holdings, stock holdings, or information about the value of a user's converted financial instrument into a type of asset (eg, cash) . Also, for example, the asset information may include information about an asset that is expected to be a user's asset as predicted to be received by the user, and may include information such as a monthly income, a main income, and an annual income.

On the other hand, 'characteristic information' means information that can specify a user irrespective of a financial transaction or an asset, and includes, for example, a user's gender, age, nationality, residence area, working area, .

Hereinafter, for the sake of convenience of description, when referring to all the information including the above-described asset information, characteristic information, and financial transaction information, it may be referred to as 'collected information'.

Meanwhile, 'financial product information' refers to information about financial products that are sold when a recommendation of a financial product is received. For example, the financial product information may include information about the financial product, such as the conditions for joining the financial product, the benefits of the financial product, and conditions for receiving benefits.

Terms other than those defined above are explained below separately.

1 is a block diagram illustrating a financial product recommendation apparatus according to an embodiment of the present invention.

The financial product recommendation apparatus 10 can recommend a financial product suitable for a user based on at least one of the user's asset information, characteristic information, and financial transaction information.

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

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 or to be 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 >

The server may be implemented as a computing device capable of communicating with an electronic terminal equipped with a client for interacting with a user via a network, and may include a storage device capable of storing data, or a third server (not shown) Data can be stored.

1, the financial product recommendation apparatus 10 may include an input / output unit 110, a control unit 120, a communication unit 130, and a memory 140, as shown in FIG.

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 performing a job or a status of the financial product recommendation apparatus 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.

On the other hand, the control unit 120 controls the overall operation of the financial product recommendation apparatus 10 and may include a processor such as a CPU. The control unit 120 may control other components included in the financial product recommendation apparatus 100 to perform an operation corresponding to a 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 control unit 120 may collect at least one of the user's asset information, characteristic information, and financial transaction information.

According to one embodiment, the control unit 120 may collect at least one of the asset information, the characteristic information, and the financial transaction information through the input / output unit 110. For example, an interface for inquiring a user about a held asset can be provided through the input / output unit 110, and information input through the interface can be collected as user's asset information.

According to another embodiment, the control unit 120 may collect at least one of the asset information, characteristic information, and financial transaction information by acquiring information that matches the user account from the third server. For example, if the user wants to collect information on the cash holding status of the user, the controller 120 can collect the user's cash holdings by inquiring the cash stored in the user accounts of the various banks.

Based on at least one of the collected asset information, characteristic information, and financial transaction information, the control unit 120 can generate a portfolio for recommendation of financial products of other users.

That is, the controller 120 may extract a factor for increasing a user's asset based on at least one of asset information, characteristic information, and financial transaction information, and may recommend a financial product based on the factor.

The " factor " may be an item and an item value constituting each of asset information, characteristic information, and financial transaction information. Thus, the factor may be, for example, a subscription history or usage history for each financial product. In addition, 'combination of factors' may mean how to use financial products when they are combined. Accordingly, it may be a usage history of each financial product or a usage ratio when using financial products together. For example, the factor may be a financial product subscription history or usage history such as 'monthly deposit amount A of the savings A is 100,000 won' or 'withdrawal of the fund B'. Or, for example, the combination of the factors may be '4: 6 usage ratio between card C and card D', or may be 'insurance coverage F monthly payment of 200,000 won and deposit G monthly payment of 1 million won'.

The control unit 120 may analyze at least one of asset information, characteristic information, and financial transaction information.

According to one embodiment, the controller 120 may extract a value for at least one of an asset size, an income scale, and an asset type based on the asset information of the user. Also, the controller 120 can calculate the asset growth rate according to the variation of each item, and extract a factor by setting a correlation between the item and the asset growth rate.

For example, the control unit 120 may extract the monthly income of the user as an item according to the user's asset information, and collect how much the monthly income is received. In addition, the user can calculate the asset growth rate of the user according to the change of the monthly income of the user, thereby setting the monthly income as a factor of the user's asset growth.

According to another embodiment of the present invention, the controller 120 may extract information on items related to the financial product subscription history and the financial product usage history based on the financial transaction information of the user. Also, the controller 120 can calculate the asset growth rate according to the variation of each item, and extract a factor by setting a correlation between the item and the asset growth rate.

For example, the control unit 120 extracts a predetermined financial product subscription history as an item based on the financial transaction information of the user, calculates the asset growth rate of the user according to the usage history of the financial product, Such as the type of financial product and the history of use, and the item value can be extracted.

According to another embodiment, the control unit 120 may extract information on at least one item of the user's gender, age, nationality, residence area, working area, and working company based on the user's characteristic information. Also, the controller 120 can calculate the asset growth rate according to the variation of each item, and extract a factor by setting a correlation between the item and the asset growth rate.

For example, the control unit 120 can extract the age as an item based on the characteristic information of the user, and set a correlation with the asset growth rate according to age variation.

The control unit 120 can perform the collection of the information as described above for a plurality of users. Accordingly, the control unit 120 can collect information corresponding to a plurality of users for various items, and can extract factors by setting a correlation between each item and the asset growth rate.

In addition, the control unit 120 can analyze a factor affecting an increase in an item-specific asset of users included in the group by grouping the user with another user. At this time, the control unit 120 may group other users having the same information as at least some of the asset information, characteristic information, and financial transaction information of the user, and select and group other users whose assets have increased for a predetermined period of time among the other users . For example, another user and the user having the same asset information as the user can be grouped and grouped with other users whose assets have increased for a predetermined period of time.

Meanwhile, the control unit 120 may recommend a financial product suitable for another user based on at least one of the user's asset information, characteristic information, and financial transaction information.

At this time, 'recommendation of financial products' is recommendation of changes in the history or history of use of financial products. Therefore, recommendation of a financial product may be recommendation of a financial product type, recommendation of enlargement or reduction of use of a predetermined financial product, recommendation of changing a usage pattern in the use of a predetermined financial product Lt; / RTI > For example, it may be a recommendation to join a predetermined financial product, a decrease in the balance of a predetermined financial product, a decrease in the frequency of use of a predetermined financial product, or recommendation of use of another merchant.

The control unit 120 can recommend a financial product based on the extracted factors. For example, when at least one of the user's asset information, characteristic information, and financial transaction information is collected and analyzed, when the subscription history of the predetermined financial product affects the asset growth rate of the user, To other users.

Also, the control unit 120 may recommend the financial product based on the combination of the extracted factors. For example, when the controller 120 collects and analyzes at least one of the user's asset information, characteristic information, and financial transaction information, the controller 120 determines that the user's asset has increased when the utilization ratio of the two financial products is a predetermined ratio , The ratio can be recommended to other users who use the two financial products. The control unit 120 can derive the combination of factors having the highest asset growth rate when combining the extracted factors and recommend the financial products corresponding to the factors.

In addition, for more accurate recommendation, for example, the control unit 120 may recommend a financial product that the user subscribes to other users having the same or similar value as the user for the remaining items other than the financial transaction information have.

Alternatively, for example, the control unit 120 may recommend a financial product to other users whose items corresponding to the collection information that are unchangeable in the collected information are the same as the user. That is, items that are difficult to change such as age or items that are hard to change for a predetermined period such as monthly income can be recommended for other users who are the same as the user.

With regard to the collection information that is 'unchangeable' with respect to the predetermined period, the unchangeable collection information may be different every predetermined period. For example, monthly income can be viewed as information that is fluctuating only within a year as it can fluctuate on the podium, while age is an equally increasing factor for all users without any limit of time, Can be seen as.

The control unit 120 may provide an interface for allowing a financial product to be immediately registered when recommending a financial product. As a result, users can easily subscribe to recommended financial products and increase their own assets.

After the recommendation of the financial product, the control unit 120 examines whether or not it is an appropriate recommendation by receiving the feedback according to the recommendation, and may assign or change a weight for each factor according to suitability.

For this, the controller 120 may acquire feedback by confirming whether or not the financial product is used by another user after recommending the financial product, or may obtain feedback by tracking the change of the asset after using the financial product of another user.

For example, other users who have been recommended for a financial product may not increase their assets after the recommendation of the financial product. In this case, the control unit 120 may lower the weight of the factor that has influenced the financial product recommendation. On the other hand, for example, if another user who has been recommended for a financial product increases his or her assets after joining the recommended financial product, the control unit 120 can increase the weight of the factor that influences the recommendation of the financial product.

Also, for example, the other user who has been recommended for the financial product may not subscribe to the recommended financial product, and if so, the controller 120 determines that the recommended financial product is not attractive to other users, Can be reduced.

Meanwhile, 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).

On the other hand, various types of data such as files, applications, programs, and the like may 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 product recommendation method may be installed in the memory 140.

The memory 140 may also store financial product information. Accordingly, when the control unit 120 wishes to recommend a financial product, the information about the recommended financial product can be provided by referring to the memory.

According to one embodiment, upon receiving an input requesting a recommendation of a financial product from a user through the input / output unit 110, the control unit 120 may execute a program stored in the memory 140 to perform a recommendation of a financial product .

2 is a flowchart illustrating a method of recommending a financial product according to an exemplary embodiment of the present invention.

The method of recommending a financial product according to the embodiment shown in FIG. 2 includes the steps of time series processing in the financial product recommendation apparatus 100 shown in FIG. Therefore, even though omitted from the following description, the above description of the financial product recommendation apparatus 100 shown in FIG. 1 can be applied to the financial product recommendation method according to the embodiment shown in FIG.

2 will be described below with reference to Figs. 3 to 6. Fig. FIGS. 3 to 6 are illustrations for explaining a financial product recommendation method according to an embodiment.

As shown in FIG. 2, the financial product recommendation apparatus 10 may collect asset information, characteristic information, and financial transaction information of the first user (S210).

According to one embodiment, the financial product recommendation apparatus 10 provides an interface through which the user can input corresponding information, and the information inputted through the interface is provided to at least one of the user's asset information, characteristic information, and financial transaction information Can be collected.

According to another embodiment, the financial product recommendation apparatus 10 may collect at least one of asset information, characteristic information, and financial transaction information by acquiring information that matches the user account from the third server. For example, the financial product recommendation apparatus 10 can collect information on the user's monthly income by inquiring the user's monthly payment history.

3 and 4 are exemplary diagrams for explaining that the financial product recommendation apparatus 10 recommends a financial product suitable for the second user based on the collected information of the first user.

As shown in FIG. 3 (b) or FIG. 4 (b), the financial product recommendation apparatus 10 can collect asset information, characteristic information, and financial transaction information of each user J or L, respectively. That is, as the asset information of each user J or L of the financial product recommendation apparatus 10, the value corresponding to the monthly income can be collected, and the value corresponding to the age can be collected as the characteristic information. You can collect the monthly usage details of the subscribed financial products.

Based on the collected information of the first user, the financial product recommendation apparatus 10 may recommend a financial product suitable for the second user (S220).

Referring to FIG. 3 and FIG. 4, the financial product recommendation apparatus 10 may collect the asset information, the characteristic information, and the financial transaction information of the user K in order to recommend a financial product suitable for the second user 'user K' . That is, as shown in FIG. 3 (a) or FIG. 4 (a), the financial product recommendation apparatus 10 can collect the value corresponding to the monthly income as the asset information of the user K, The corresponding value can be collected and the monthly usage history of the financial product to which the user K subscribes can be collected as the financial transaction information.

Also, if the plurality of first user information is collected, the financial product recommendation apparatus 10 may select a first user satisfying a predetermined criterion and recommend a financial product suitable for the user K based on the collected information of the first user .

For example, as shown in FIG. 3B, the financial product recommendation apparatus 10 can select a user L whose asset is increased with an item value substantially equal to the item value held by the user K And a factor influencing the increase in the asset of the user L can be extracted as compared with the user K. In this case, if user L has collected more assets than user K even though the value of the other items except for 'savings' is the same as user K, user L has a factor that affects the increase of the asset, The corresponding item value can be extracted. Based on these factors, the financial product recommendation apparatus 10 can recommend the direction of increasing the use of the financial product 'savings'. As a result, as shown in (c) of FIG. 3, We can recommend to raise it to 10,000 won. In this way, the financial product recommendation apparatus 10 recommends a financial product based on collected information of the selected user by selecting a user whose asset is the most similar to the collected information of the user K, Can be achieved.

4 (b), for example, the financial product recommendation apparatus 10 has the same information as the information that can not be changed among the information of the user K, It is possible to select a user J to be viewed and extract a factor that influences the increase in the user J's asset as compared with the user K. [ At this time, the user J has the same characteristic information and asset information as the user K, but since the asset has increased as it has different financial transaction information, the user J can recommend the financial product to the user K based on the financial transaction information of the user J. In other words, the financial product recommendation apparatus 10 can recommend recommending the adjustment of the check card and the credit card expenditure while increasing the 'savings', recommending the subscription of the individual pension and IPR, reducing the 'protection insurance'. As a result, the portfolio constructed as shown in FIG. 4 (c) can be recommended to the user K.

It is thus possible to determine whether a second user subscribes or utilizes the recommended financial product.

Accordingly, if the financial product recommendation apparatus 10 determines that the second user uses the recommended financial product (S230), the financial product recommendation apparatus 10 can track the asset change of the second user (S240).

If the assets of the second user increase as a result of the use of the recommended financial product, the financial product recommendation apparatus 10 can determine that the recommendation has been performed appropriately, and in some cases, have. On the other hand, if the assets of the second user are not changed or decreased due to the use of the recommended financial product, the financial product recommendation device 10 judges that the recommendation is performed improperly. In some cases, .

5 is an exemplary diagram for explaining how the financial product recommendation apparatus 10 recommends a financial product to another user based on the feedback of the second user after the financial product is recommended to the second user.

If the user K who has recommended the portfolio as shown in FIG. 4C has subscribed to the IPR product and accordingly has tracked the asset change of the user K, if it is determined that the asset of the user K has decreased, The user 10 may not recommend the IPR product to another user having the same characteristic information and asset information as the user K. [ Accordingly, the 'user N' shown in FIG. 5A has the same characteristic information and asset information as the user J in FIG. 4B, so the same portfolio as the user K must be recommended, It is possible to recommend a financial product composed of a portfolio as shown in FIG. 5 (c).

On the other hand, when a second user is recommended for a financial product, it can be recommended based on asset information, characteristic information, and financial transaction information of the first user. However, It can be recommended based on financial transaction information.

In this case, the group may be a grouping of users having the same information as at least a part of the information of the first user, and a grouping of users whose assets are increased.

For example, the group may have the same characteristic information as the first user, or may be grouped among users having the same asset information. For example, it may be a grouping of users having the same sex as the first user, or a grouping of users having the same sex and monthly income as the first user.

Therefore, when the financial product recommendation apparatus 10 recommends a financial product to a user K having asset information, characteristic information, and financial transaction information as shown in FIG. 6A, the group P can be selected. When a group is selected, a group to which the user K can belong can be searched for and selected. For example, users having the same characteristic information or having the same asset information can select grouped groups, The device 10 can select a group P having a similar monthly income of a similar age to the user K. [ As shown in FIG. 6 (b), when the item value of the group P is analyzed, the ratio of credit card and check card usage is used at a ratio of 4: 6, and the average monthly deposit payment amount is 900,000 KRW, The amount of the protection insurance payment is 100,000 won per month, and the amount of the fund payment is 300,000 won, the user can construct a portfolio of the user K as shown in FIG. 6 (c), and recommend the financial product accordingly.

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 product recommendation method according to the above-described embodiment may also be implemented in the form of a computer-readable medium for 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 product recommendation method according to the above-described embodiment may be implemented as 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 product recommendation method according to the above-described embodiment 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 product recommendation device
110: input / output unit 120:
130: communication unit 140: memory

Claims (16)

A memory for storing financial product information; And
And a controller for recommending a financial product to a second user based on at least one of asset information, characteristic information, and financial transaction information of the first user. The method according to claim 1,
Wherein the first user is selected on the basis of information that is unchangeable among the collected information of the second user. The method according to claim 1,
Wherein,
And recommends a financial product to a second user based on at least one of asset information, characteristic information, and financial transaction information corresponding to the group including the first user. The method according to claim 1,
Wherein,
And extracts a factor for asset increase based on the asset information, characteristic information and financial transaction information of the first user. 5. The method of claim 4,
Wherein,
And derives a combination of factors with the highest growth rate of assets among the extracted combinations of factors. 5. The method of claim 4,
Wherein,
And recommends the financial product to the second user based on the extracted factor. The method according to claim 1,
Wherein,
And a financial product recommendation device for tracking changes in assets of the second user using the recommended financial product to obtain feedback on the recommended financial product. As a method for recommending a financial product,
Collecting asset information, characteristic information, and financial transaction information of a first user; And
Recommending a financial product to a second user based on at least one of asset information, characteristic information and financial transaction information of the first user. 9. The method of claim 8,
Wherein the first user is selected based on collection information that is unchangeable among the information of the second user. 9. The method of claim 8,
Wherein the recommending step comprises:
And recommending a financial product to a second user based on at least one of asset information, characteristic information, and financial transaction information corresponding to the group in which the first user is included. 9. The method of claim 8,
Further comprising the step of extracting a factor for asset growth based on the asset information, characteristic information and financial transaction information of the first user. 12. The method of claim 11,
Further comprising the step of deriving a combination of the factors with the highest growth rate of the asset among the combinations of the extracted factors. 12. The method of claim 11,
Wherein the recommending step comprises:
And recommending a financial product to a second user based on the extracted factor. 9. The method of claim 8,
Further comprising tracking asset variances of a second user using the recommended financial product to obtain feedback on the recommended financial product. A computer-readable recording medium on which a program for performing the method according to claim 8 is recorded. A computer program stored in a medium for performing the method according to claim 8, which is performed by a financial product recommendation apparatus.

Images