KR20200029435A - Method and system for providing integrated financial service - Google Patents

Abstract

The present invention provides a method for providing an integrated financial service and a system thereof. According to embodiments of the present invention, the method for providing an integrated financial service may comprise the following steps of: managing transaction history information of users registered in a payment platform by at least one processor included by a computer device; receiving financial information corresponding to each of the registered users from a plurality of financial platforms providing a plurality of individual financial services, by the at least one processor; generating integrated financial information for each of the registered users by connecting the financial information to the registered users and storing the same in a database, by the at least one processor; receiving search history information of the registered users from a search platform; and generating credit evaluation information for each of the registered users by using the integrated financial information stored in the database, the transaction history information and the search history information, by the at least one processor.

Description

METHOD AND SYSTEM FOR PROVIDING INTEGRATED FINANCIAL SERVICE}

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

There are prior arts for providing integrated financial services for various individual financial services such as securities, banks and insurance online. For example, Korean Patent Publication No. 10-2014-0063053 relates to a financial service hub system for providing an integrated financial service, a common service specialized in a financial service hub system, and a base technology service and utility required for the development of the financial service hub system A financial services hub system that includes a common financial services department that provides services and a common services department that manages and provides financial information related to financial products and financial services, and recommends financial products and financial services to customers based on customer information. It is disclosed. These prior arts simply provide the individual financial information provided by each individual platform of securities, banks, and insurance products in one hub system.

The user's history (transaction history and /) in the payment platform linked to the search service while providing payment services such as 'easy payment' in connection with the platforms of the actual financial sector, not the platform of the actual financial sector such as banks, card companies, insurance companies, etc. Or a search history), an integrated financial service providing method capable of providing integrated financial services for financial services such as securities, banks, insurance, and the like, a computer device performing the integrated financial service method, and the integration in combination with a computer Provided is a computer program stored on a computer-readable recording medium and a recording medium for executing the financial service method on the computer.

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

The user's history (transaction history and /) in the payment platform linked to the search service while providing payment services such as 'easy payment' in connection with the platforms of the actual financial sector, not the platform of the actual financial sector such as banks, card companies, insurance companies, etc. Or search history) to provide integrated financial services for financial services such as securities, banks, and insurance.

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

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

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

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

The plurality of electronic devices 110, 120, 130, and 140 may be a fixed terminal or a mobile terminal implemented as a computer device. For example, a plurality of electronic devices (110, 120, 130, 140), smart phones (smart phone), mobile phones, navigation, computers, notebooks, digital broadcasting terminals, PDAs (Personal Digital Assistants), PMP (Portable Multimedia Player) ), Tablet PC, etc. For example, although the shape of a smartphone is shown as an example of the electronic device 1 110 in FIG. 1, in the embodiments of the present invention, the electronic device 1 110 substantially uses the wireless or wired communication method to connect the network 170. It may mean one of various physical computer devices capable of communicating with other electronic devices 120, 130, 140 and / or servers 150, 160.

The communication method is not limited, and a communication method using a communication network (eg, a mobile communication network, a wired Internet, a wireless Internet, and a broadcasting network) that the network 170 may include may include short-range wireless communication between devices. For example, the network 170 includes a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), and a broadband network (BBN). , Any one or more of the networks such as the Internet. Further, the network 170 may include any one or more of a network topology including a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree, or a hierarchical network. It is not limited.

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

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

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

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

The communication interface 230 may provide a function for the computer device 200 to communicate with another device (eg, the storage devices described above) through the network 170. For example, requests, commands, data, files, etc. generated by the processor 220 of the computer device 200 according to program codes stored in a recording device such as the memory 210 are controlled by the communication interface 230. 170) to other devices. Conversely, signals, commands, data, files, etc. from other devices may be received through the network 170 to the computer device 200 through the communication interface 230 of the computer device 200. Signals, commands, data, etc. received through the communication interface 230 may be transferred to the processor 220 or the memory 210, and files, etc., may be further stored by the computer device 200 (described above) Permanent storage device).

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

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

3 is a diagram showing an example of an integrated financial service providing system according to an embodiment of the present invention. FIG. 3 shows an example of the integrated financial service providing system 300, and indicates that the payment platform 310 may be linked to various individual financial services such as securities 320, banks 330, and insurance 340. Is showing. In other words, securities products, bank products, and insurance products in the payment platform 310 that provides a payment service such as 'easy payment' in connection with the platforms of the actual financial sector, not the platform of the actual financial sector such as banks, card companies, insurance companies, etc. Various financial information, such as, can be provided to users. In addition, by providing a unified benefit scheme according to the use of each financial area through the payment platform 310, it is possible to promote linkage sales between financial companies entering the payment platform 310, and according to such linkage activation Synergies can be created. In FIG. 3, examples such as 'accumulate 0.1% of the stock transaction amount', 'accumulate 500 won when paying more than 1 million won', and 'accumulate 1% of monthly insurance payment' are shown to illustrate the unified benefit scheme. This is only one embodiment to aid understanding, and it will be readily understood by those skilled in the art that the unified benefit scheme according to the present embodiment may be more diversely set for each financial product.

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

In addition, the individual financial services of each of the securities 320, the banks 330, and the insurance 340 are integrated through the payment platform 310, at this time, between the deposit and withdrawal passbooks of the bank 330 and the hybrid passbooks of the securities 320. A linkage, a link between the deposit and withdrawal of the bank 330 and a bancassurance of the insurance 340, etc., and cooperation between the securities 320, the banks 330, and the insurance 340 may be made for mutual cooperation and business cooperation.

4 is a diagram showing an example of a credit evaluation system according to an embodiment of the present invention. 4 shows the credit evaluation system 400, and the transaction history 410 and payment obtained through the payment platform 310 to the integrated financial service providing system 300 described in FIG. 3 by the credit evaluation system 400 It indicates that it can be constructed by applying the search history 430 obtained from the search platform 420 associated with the platform 310. Depending on the embodiment, only one of the transaction history 410 and the search history 430 may be utilized. In addition, the payment platform 310 may be a platform included in the search platform 420 or, conversely, the payment platform 310 may be a platform including the search platform 420. Depending on the embodiment, the payment platform 310 and the search platform 420 may be linked to each other by affiliation as separate platforms provided by different service providers.

The existing credit evaluation system cannot perform credit evaluation for non-credit users who do not have financial transactions, and users who do not have a lot of financial transactions have to be undervalued in the existing credit rating system, whereas the credit evaluation system 400 according to the present embodiment For non-credit users, credit rating can be provided through a transaction pattern according to the transaction history 410 or a search pattern according to the search history 430, and the above-mentioned transactions are also performed for undervalued users because there are not many existing financial transactions. Patterns or search patterns can be used to enable more sophisticated credit ratings. The credit evaluation system 400 according to the present embodiment may provide a new credit evaluation system in a form of adding an additional point for a relative transaction pattern or a search pattern with a specific or different credit rating. In other words, by adding an additional point according to the transaction history 410 and the search history 430 to users with little or no financial transaction volume, it is possible to expect more detailed classification or credit rating improvement for undervalued users. Also, the credit evaluation system 400 according to the present embodiment provides preferential interest rates to the financial users 440 or risk hedging to the financial operators 450 according to a new and own credit evaluation system. It will be possible to provide additional value to both the user 440 and the financial operator 450.

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

Existing financial advisor system can only recommend financial products to users or provide financial portfolios using only the financial information of users, and shopping transactions related to users' real life agile in recommending financial products or providing financial portfolios. It is difficult to consider my interests, etc. On the other hand, the financial advisor system 500 according to the present embodiment can grasp the consumption habits and interests of the financial user 440 through the transaction history 410 and the search history 430 of the financial user 440, such as Based on the information, a more sophisticated analysis of the financial user 440 is possible. Accordingly, the financial advisor system 500 according to the present embodiment may recommend a more suitable financial product to the financial user 440 or provide a financial portfolio, and provide an additional sales channel to the financial operator 450 or link between industries. It will be able to provide functions for sales activation. For example, the financial advisor system 500 provides the financial operator 450 with information about the financial user 440 determined to be interested in the insurance product through the search history 430 or the financial user ( The financial advisor system 500 may directly provide information about the insurance product to the 440).

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

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

In operation 620, the computer device 200 may be provided with financial information corresponding to each of registered users from a plurality of financial platforms that provide a plurality of individual financial services. For example, the computer device 200 uses financial information associated with the payment platform 310 using information of registered users according to requests from users registered in the payment platform 310 or the consent of registered users. Financial information corresponding to each of the corresponding users may be provided. For example, the financial platforms may be a service system of financial providers 450 that provide financial services such as securities 320, banks 330, and insurance 340 described above, and payment platforms of financial providers 450. It may be connected to the payment platform 310 through an entry into 310 or an alliance with the payment platform 310. At this time, the computer device 200 may request financial information of the corresponding user by transmitting information identifying the corresponding user from the financial platforms to the corresponding financial platform. As a user identification information, a predefined identifier may be used between the payment platform 310 and the financial platforms, or general identification information may be used.

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

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

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

7 is a flowchart illustrating an example of a method of providing an integrated financial service that further utilizes a search history in one embodiment of the present invention. Step 710 illustrated in FIG. 7 may be performed between steps 610 and 640 of FIG. 6, and may be performed in parallel with steps 620 and 630. The embodiment of FIG. 7 describes an embodiment in which step 710 is performed between steps 630 and 640.

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

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

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

In another embodiment, the computer device 200 may further define at least one transaction pattern for reducing expenses by further using at least one of integrated financial information, transaction history information, and search history information. For example, a user who can determine through at least one of integrated financial information, transaction history information, and search history information, such as whether to use the lowest price search filter when searching for a product or whether to use the card at a discount time of a specific card. Pre-defined transaction patterns to reduce spending. In this case, when the transaction pattern of a specific user corresponds to a predefined transaction pattern in step 640, the computer device 200 generates credit rating information by adding an additional point to the credit rating score generated through the integrated financial information. You can.

As such, the computer device 200 can construct a more sophisticated credit evaluation system by variously using not only transaction history information but also search history information.

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

In step 810, the computer device 200 may receive credit rating information for each of the registered users from the platform of the personal credit rating agency. The personal credit rating agency (CB, Credit Bureau) described in this embodiment is at least one of credit rating agencies that comprehensively evaluates the personal credit rating by processing and analyzing information provided by financial institutions such as banks and credit card companies. You can. The payment platform 310 may query credit rating information for registered users from the platform of the personal credit rating agency. For example, the payment platform 310 may request the credit rating information of the corresponding user by transmitting information that identifies the user from the platform of the personal credit rating agency to the platform of the personal credit rating agency.

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

At this time, the computer device 200 may generate credit evaluation information by assigning an additional point determined based on the analyzed search pattern to the credit evaluation score generated through the integrated financial information and transaction history information in operation 640. As a more specific example, the computer device 200 may determine an addition point in proportion to the similarity between a search pattern of the first user and a search pattern of a user group having a credit rating higher than that of the first user, for the first user. . In this case, the computer device 200 may determine a relatively larger addition point for the same similarity between search patterns as the difference between the first user's credit rating and the higher credit rating is greater. For example, assuming that there are credit ratings of the first to fifth grades, the search pattern of the fifth grade user is more similar to the search pattern of the second grade user set than the fourth grade user set. A relatively larger addition point can be provided. In addition, the computer device 200 calculates the similarity between the search patterns by analyzing the determination coefficient (R-Square) and the probability of significance (p value) according to regression using the existing credit rating and search pattern as independent variables. You can.

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

는 앞서 설명한 신용 등급을 결정하기 위한 신용점수를,

는 신용점수

의 평균을,

는 검색 패턴을,

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

Is the credit score to determine the credit rating described above,

Credit score

The average of,

Search pattern,

Can mean the average of the search patterns, respectively. Here, the search pattern may be a value determined according to a search frequency, a search time zone, whether to search for a lowest price, or whether to use a discount. If the null hypothesis is rejected through the r ² value, it is proved that the corresponding independent variable is meaningful in the credit evaluation, and if the null hypothesis is adopted, check the p value, and if the lower value appears, reject the null hypothesis and reject the null variable. It can be proved that it affects the credit rating.

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

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

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

As described above, according to embodiments of the present invention, payments associated with a search service are provided while providing a payment service such as 'easy payment' in connection with platforms of the actual financial sector, not a platform of a real financial sector such as a bank, a credit card company, an insurance company, etc. The platform can provide integrated financial services for financial services such as securities, banks, and insurance by utilizing the user's history (transaction history and / or search history).

The system or device described above may be implemented as a hardware component, or a combination of hardware components and software components. For example, the devices and components described in the embodiments include, for example, processors, controllers, arithmetic logic units (ALUs), digital signal processors (micro signal processors), microcomputers, field programmable gate arrays (FPGAs). , A programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions, may be implemented using one or more general purpose computers or special purpose computers. The processing device may perform an operating system (OS) and one or more software applications running on the operating system. In addition, the processing device may access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, a processing device may be described as one being used, but a person having ordinary skill in the art, the processing device may include a plurality of processing elements and / or a plurality of types of processing elements. It can be seen that may include. For example, the processing device may include a plurality of processors or a processor and a controller. In addition, other processing configurations, such as parallel processors, are possible.

The software may include a computer program, code, instruction, or a combination of one or more of these, and configure the processing device to operate as desired, or process independently or collectively You can command the device. Software and / or data may be interpreted by a processing device, or to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. Can be embodied in The software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, or the like alone or in combination. The medium may be a computer that continuously stores executable programs or may be temporarily stored for execution or download. In addition, the medium may be various recording means or storage means in the form of a single or several hardware combinations, and is not limited to a medium directly connected to a computer system, but may be distributed on a network. Examples of the medium include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical disks, And program instructions including ROM, RAM, flash memory, and the like. In addition, examples of other media include an application store for distributing applications, a site for distributing or distributing various software, and a recording medium or storage medium managed by a server. Examples of program instructions include high-level language code that can be executed by a computer using an interpreter, etc., as well as machine language codes produced by a compiler.

As described above, although the embodiments have been described by a limited embodiment and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques are performed in a different order than the described method, and / or the components of the described system, structure, device, circuit, etc. are combined or combined in a different form from the described method, or other components Alternatively, even if replaced or substituted by equivalents, appropriate results can be achieved.

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

Claims (2)

In a method for providing an integrated financial service of a payment platform implemented through a computer device,
Managing transaction history information of users registered in the payment platform by at least one processor included in the computer device;
Receiving, by the at least one processor, financial information corresponding to each of the registered users from a plurality of financial platforms that provide a plurality of individual financial services;
Generating, by the at least one processor, the financial information in a database in association with the registered users to generate integrated financial information for each of the registered users;
Receiving search history information of the registered users from a search platform by the at least one processor; And
Generating, by the at least one processor, credit evaluation information for each of the registered users using integrated financial information stored in the database, the transaction history information, and the search history information;
Method of providing integrated financial services, including.
According to claim 1,
Receiving, by the at least one processor, credit rating information for each of the registered users from a platform of a personal credit rating agency; And
Analyzing, by the at least one processor, a search pattern of a group of users having the same credit rating using the search history information
Further comprising,
Generating the credit rating information,
A method of providing an integrated financial service, wherein credit rating information is generated by assigning an additional point determined based on the analyzed search pattern to the credit rating score generated through the integrated financial information and the transaction history information.

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