KR20200031416A - Financial planning system and method for newly married couple - Google Patents

Abstract

The present invention relates to a newlywed financial design system and a method thereof and, more specifically, to a newlywed financial design system and a method thereof, which can target newlyweds to understand a financial status and design a future direction. In addition, according to the present invention, the system comprises: an approval history request unit which transmits a request to a text message service center to receive a text message with an approval history and location information of a user terminal, in a process of transmitting the text message with the approval history for a card payment from a card company server to the user terminal via the text message service center of a communication company; and an approval history analysis unit which generates individual household account information based on the text message with the approval history based on an industry type determined for an affiliated store closest to the user terminal on the basis of the location information among the affiliated stores searched by the affiliated store name included in the text message with the approval history.

Description

Financial planning system and method for newly married couple}

The present invention relates to a newly-married financial design system and method, and more particularly, to a newly-married financial design system and method that enables a newly married couple to grasp a financial condition and design a future direction.

In general, managing assets owned by a company is referred to as financial management, but today, such financial management is not limited to a company. That is, individuals are interested in how to efficiently manage and multiply their assets, and also what is the best re-tech method for them.

On the other hand, an asset (asset) is generally used in the same sense as property, and refers to a specific entity of value such as tangible and intangible goods, goods or rights.

Individuals listen to various lectures provided online such as the Internet to manage these assets, or use programs provided for asset management, and collect various information related to asset management through their asset manager consultants offline Doing.

On the other hand, most newly married couples who have just married have an average age of late 20s to early 30s, so they have very little knowledge in planning their future as well as their asset status.

For this reason, not only the general individual, but also newlyweds who start a new life need financial consulting consulting through experts.

However, the current financial planning consulting is not suitable for newlyweds because professional design is done for one individual.

In other words, it is not desirable to conduct financial planning for either of the grooms and the brides, because the newlyweds make a single family by combining two people, the groom and the bride. Even if the financial design is carried out, it is not suitable for the other person, and there is a problem that it is not continuously maintained and is abandoned.

Domestic Patent Publication No. 10-2017-0109854 Domestic registered patent 10-1811288

The present invention is to solve the above problems, to provide a newly-married financial design system and method for grasping the financial status targeting the newlyweds and designing the future direction.

The system of the present invention, in the process of transmitting the text message of the approval history for the payment of the card to the user terminal through the text message service center of the carrier from the card company server, requests the text message service center to request the text message of the approval history and the user Approval history request unit for receiving the location information of the terminal; And personal account information based on the text message of the approval history based on the type of industry determined for the merchant closest to the user terminal based on the location information among the merchants searched for by the merchant name included in the text message of the approval history. It includes an approval history analysis unit for generating.

On the other hand, the method of the present invention (A) in the process of transmitting the text message of the approval history for the card payment from the card company server to the user terminal through the text message service center of the carrier from the card company server, the text message of the approval history And receiving location information of a user terminal; And (B) the approval history based on the business type determined by the household account management server based on the location information among the merchants searched for by the merchant name included in the text message of the approval history. And generating personal household information based on the text message.

The present invention makes it possible to automatically create, store, and manage household accounts related to financial card usage details in the household account platform on the network.

In addition, the present invention facilitates cost reduction by allowing the budget of consumable expenditure to be adjusted for the common interests of couples.

1 is a block diagram of a newlywed financial design system according to an embodiment of the present invention.
FIG. 2 is a block diagram of the household management server of FIG. 1.
3 is an exemplary view showing an example of a household account managed by the household account DB.
4A and 4B are diagrams of monthly search frequency of food-related search terms, which are large-scale items, by the big data analysis unit.
5A and 5B are diagrams of monthly search frequency of a search term related to beauty coating, which is a large category of a big data analysis unit.
FIG. 6A is a diagram showing a difference in search terms related to food expenses, FIG. 6B is a diagram showing a sum of search terms related to food expenses, and FIG. 6C is a diagram showing monthly budgets.
FIG. 7A is a chart showing differences in search terms related to beauty, FIG. 7B is a chart showing deviations, and FIG. 7C is a chart showing the budget for cosmetic clothing.
8 is a monthly usage table compared to a plan that includes the monthly planned budget amount.
9 to 15 are diagrams illustrating questionnaire items for household information, savings and consumption propensity analysis, provision of a house, child plan, retirement preparation, guarantee insurance, and investment propensity analysis.
16 to 23 are diagrams showing the same direction of a couple for household information, saving & consumption propensity analysis, provision of a home, child plan, retirement preparation, guarantee insurance, investment propensity analysis, and general health index.
24 is a flowchart of a honeymoon designing method according to an embodiment of the present invention.
25 is an example of a card approval history text message.
26 is an example of management information of the affiliate store management DB.
27 shows the details of January 2018 as an embodiment of a household account used in the present invention, and shows income and expenses of each item.
28 shows the total amount of monthly usage in one embodiment of the household unit used in the present invention.
29 is a view showing the monthly usage status compared to the plan, showing the monthly planned budget and usage accordingly.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited by the embodiments.

1 is a view for explaining the newlywed financial design system 100 according to an embodiment of the present invention.

Referring to Figure 1, the honeymoon financial design system 100 according to an embodiment of the present invention, a user terminal (111,112), a merchant terminal (payment terminal) through a network such as wired and wireless Internet, WCDMA, WiFi, WiBro, etc. Or a web browsing terminal, etc., a card company (a company that issued a financial card such as a credit card or a check card) server, and the like, and a household account management server 120 capable of interworking with each other, an affiliate store management DB (DataBase) 121, and an SMSC ( Short Message Service Center: (or LMSC, MMSC) 140, Home Location Register (HLR) 150, and the like.

The user terminal or merchant terminal (such as payment terminal or web browsing terminal) mentioned in the present invention may be a smart phone, but is not limited thereto, and a notebook PC, desktop PC, or palm PC (Palm) capable of communicating through a network. Personal Computer, etc., Cellular phone, PCS phone (Personal Communications Services phone), Synchronous / Asynchronous International Mobile Telecommunication-2000 (IMT-2000), Personal Digital Assistant (PDA) Digital Assistant), WAP phone (Wireless application)

protocol phones, mobile play-stations, and other portable multimedia players (PMPs) and portable or mobile terminals, which can communicate with a variety of electronic devices or devices throughout the home or business community that can communicate with other electronic devices. It can contain.

Further, among the user terminals 111 and 112, reference numeral 111 may be classified as a user terminal used by the husband, and reference numeral 112 may be classified as a user terminal used by the wife.

In the newlywed financial design system 100 through the household account management server 120 on the network according to the present invention, according to a request for approval for payment of a card at a merchant terminal, the card company server applies the corresponding approval and then (moves) the character of the carrier In the process of transmitting a text message (see FIG. 4) of the approval history for the card payment to the user terminal 110 via the message service center 140, the household account management server 120 receives the text message and the user of the approval history The location information of the terminal 110 is received, and based on this, based on the location information of the user terminal 110 among the affiliated stores searched by the affiliate management DB 121 with the affiliate name included in the text message of the corresponding approval history The household unit generates and stores individual household account information based on the business type determined for the affiliated store closest to the user terminal 110, and inquires in the user terminal 110 It can provide information.

The location information of the user terminal 110 received from the household management server 120 from above may be location information for the closest base station from the user terminal 110 obtained by requesting the text message service center 140, which To this end, the text message service center 140 requests the HLR 150 to obtain the location information of the closest base station in the user terminal 110 in advance, and when the interworking request of the household management server 120 interlocks, the text message of the corresponding approval history In addition, corresponding location information of the user terminal 110 may be provided.

Alternatively, the household account management server 120 may request location information from the user terminal 110, and the user terminal 110 may collect GPS location information such as latitude, longitude, and altitude for the side through the GPS module mounted thereon. It can also be provided to the management server 120.

Accordingly, in the present invention, regardless of the type of the user terminal 110, the household account management server 120, which is a household account platform on the network, can automatically create, store, and manage the household account for the financial card usage history, and the user terminal. Regardless of the type of the smartphone OS, which is 110, or when the user terminal 110 is a feature phone, the household managed by the household account platform can be inquired through the web, and the household management server 120 and the user terminal on the network Through the sync of (110), the user terminal can conveniently search the household account information anytime, anywhere.

In addition, it is unnecessary to cooperate with a credit card company, and for all credit card companies that send approval details in text regardless of the type of credit card company (national, Shinhan, Nonghyup), the household account management server 120 on the network records the household account about the use of the financial card. It can be automatically created, saved, and managed.

Merchant management DB 121 may be built directly from a telecommunication company, or a DB company

It may be established through partnership with and, through the management of merchant information, the merchant management DB 121 identifies and manages the merchant industry type so that it can be created based on the industry type when creating a household account.

In addition, when accessing a household account platform on a network and querying a household account through a dedicated application mounted on the terminals 111 and 112 of a user's smartphone, the service can be implemented without managing separate login information, so that personal information can be implemented. You can also reduce the risk of exposure.

The honeymoon financial design system 100 according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 to 6 below.

2 is a block diagram of the household management server 120.

Referring to FIG. 2, the household account management server 120 includes a control unit 210 and a household account unit.

It includes the DB 211, the approval history request unit 220, the approval history analysis unit 230, the household account inquiry / sync processing unit 240, the big data analysis unit 250, and the budget amount adjustment unit 260.

The above components of the household management server 120 according to an embodiment of the present invention may be implemented by hardware, software, or a combination thereof.

First, the operation of each part of the household management server 120 will be briefly described as follows.

The controller 210 is a processor in charge of overall control of the components of the household management server 120, and may be implemented by including some of the components.

The household unit DB 211 manages subscriber terminal identifiers, which are terminals of users who subscribe to the service, and household account information for each subscriber terminal identifier.

Here, the subscriber terminal identifier may be a terminal phone number, a Universal Subscriber Identity Module (USIM) / Universal IC Card (UICC) ID (for example, for a 3G terminal), a terminal ID (for a 2G terminal), etc. It may be other unique identification information for identifying the user's terminal.

In addition, although it is possible to use the external affiliate store management DB 121 on the network, in order not to use this, in order to function as the affiliate store management DB of the server 120 itself, the household account DB 211 is for each ID of a plurality of affiliate stores. Merchant information, including merchant name, merchant location information, and information about the type of industry, may be stored and managed.

In addition, the household unit DB 211 may store and manage IDs and passwords to support the use of services such as inquiry through the Internet (web) connection, and the controller 210 accesses the user terminal 110 based on this. The provision of household services can be controlled by controlling the like.

An example of a household unit managed by the household unit DB 210 is illustrated in FIG. 3. Referring to FIG. 3, the household unit includes an item sheet that is divided into a large category and a small category.

Here, the main categories include income, non-consumable expenditure, and consumable expenditure, again, non-consumable expenditure includes fixed-cost expenditure, and consumable expenditure includes consumable variable expenditure and consumable irregular expenditure.

In addition, fixed costs include re-tags, guaranteed insurance items, and consumable expenditure items include food expenses, transportation expenses, general management expenses, and loan items. Consumable irregular expenses include general living expenses, beauty clothing, health care expenses, cultural education expenses, competition expenses, and other items. It includes.

Next, the sub-category includes the groom's salary, the groom's bonus, the bride's salary, the bride's bonus, bank interest, and other income items for the major categories of imported items.

In addition, for the re-tag, which is a large category, the sub-class includes savings 1 to 4, and the sub-class for coverage insurance includes guarantee coverage 1 to coverage coverage 3.

Next, for the large category of food expenses, the sub-category includes catering, snack, corrosion, delivery, material cost, etc., and for the large-scale transportation cost category, the sub-category includes fuel costs, vehicle maintenance costs, vehicle insurance premiums, transportation costs, and general administrative expenses. The sub-categories for the items include management fees, rental fees, electric charges, internet, mobile phones, subscription fees, and the sub-categories for the large categories of loans include repayment of loans.

In addition, for the general category of general living expenses, the sub-category includes household goods, household appliances, and household goods, and for the general category of beauty clothing, the sub-category includes clothing, shoes, beauty, hair, skin care, and beauty miscellaneous items. For the major categories of health and medical expenses, the sub-categories include hospital expenses and pharmaceutical expenses, and for the major categories of cultural education expenses, the sub-categories include utility bills, school fees, study papers, other educational expenses, vacation expenses, cultural education, etc. The sub-category includes items such as congratulations, congratulations, holidays, mother's day, birthday, birthday / anniversary, teacher's day, and other congratulatory items. , And property tax items.

The approval history request unit 220 transmits the text message of the approval history for the payment of the card to the user terminal 110 via the text message service center 140 of the carrier from the card company server. And location information of the user terminal 110 is received.

Accordingly, the approval history analysis unit 230 is based on the location information of the user terminal 110 among the merchants searched for by the name of the merchant included in the text message of the approval history received by the approval history request unit 220 ( 110) based on the type of industry judged for the closest affiliated store, the individual household account information (business type information, card use based on the text message of the corresponding sub-category to the corresponding category of the corresponding sub-category of the item sheet of the household account of FIG. 3) Date information, card company information, payment amount, etc.) are generated and stored in the household account DB 211.

The household account inquiry / sync processing unit 240 provides the corresponding household account information based on the household account DB 211 in which the household account information is stored in the user terminal 110 that accesses and inquires through a web or a dedicated application mounted on the user terminal 110 can do.

In addition, the household unit inquiry / sink processing unit 240 periodically stores and synchronizes the household unit information to a storage means (for example, a memory) of the corresponding user terminal 110 through sync processing with the user terminal 110. Alternatively, the user terminal 110 may search the corresponding household account information.

The above sink processing may be performed by the household inquiry / sink processing unit 240 periodically exchanging and receiving necessary signals with the user terminal 110 through the network.

However, the present invention is not limited thereto, and when the user requests through the user terminal 110, the household account inquiry / sync processing unit 240 performs sink processing with the user terminal 110 through predetermined authentication, so that the household account information of the household unit DB 211 May be updated in the storage means (eg, memory) of the corresponding user terminal 110 to store synchronized household information.

Meanwhile, the big data analysis unit 250 accesses portal sites such as Naver, Daum, and Google from the husband user terminal 111 and the wife user terminal 112 to receive search terms input by the user and largely classify them through big data analysis Calculate the search frequency of the item's search term.

4A and 4B show a monthly search frequency chart of a food category related search term, which is a large category, as an example calculated by the big data analysis unit 250.

Referring to FIGS. 4A and 4B, it can be seen that the results of the monthly change in the search frequency of search terms related to food expenses are similarly rising and falling through the husband user terminal and the wife user terminal.

It can be seen that the monthly change in the search frequency of these food-related search terms is similar to that of the husband and wife user terminals, which corresponds to the common interests of the husband and wife. have.

 Meanwhile, as an example calculated by the big data analysis unit 250, a monthly search frequency chart of a search term related to beauty cloth, which is a large category, is shown in FIGS. 5A and 5B.

Referring to FIGS. 5A and 5B, it can be seen that the results of the monthly change in the search frequency of the search term related to the beauty cloth rise and fall differently from each other through the husband user terminal and the wife user terminal.

The fact that the monthly change in the search frequency of the search term related to the beauty cloth is different from the user terminal of the husband and the user terminal of the wife shows that it does not correspond to the common interests of the husband and wife, and that the determination of the expenditure is made at the wife's discretion. .

Next, the budget adjustment unit 260 calculates a difference between a husband's search frequency and a wife's search frequency of the search term frequency related to the large category items calculated by the big data analysis unit 250, and obtains a sum of the deviations of the calculated search frequency difference .

Then, if the sum of the calculated deviations is less than a certain value, the budget amount adjustment unit 260 adjusts the budget amount to follow the change according to the total frequency added by summing the husband search frequency and the wife search frequency. After calculating the search frequency that matches the expenditure trend of the previous year from the frequency or wife search frequency, the budget is adjusted to follow the calculated search frequency.

 For example, the budget amount adjustment unit 260 calculates a difference between a husband's search frequency and a wife's search frequency of a search term frequency related to food cost items calculated by the big data analysis unit 250, as shown in FIG. 6A, and the deviation of the calculated search frequency difference Find the sum of

In addition, since the sum of the calculated deviations of the budget amount adjusting unit 260 is almost zero and less than a certain value (for example, 200), as shown in FIG. 6B, the husband search frequency and the wife search frequency are added to the total frequency. The budget is adjusted as shown in FIG. 6C to follow the change.

As another example, the budget amount adjustment unit 260 calculates the difference between the frequency of searching for husbands and the frequency of searching for wives of search terms related to beauty clothing items calculated by the big data analysis unit 250, as shown in FIG. 7A, and calculated as shown in FIG. 7B. Find the sum of the deviations of the search frequency differences.

In addition, since the sum of the calculated deviations is 465 or more (for example, 200), the budget amount adjusting unit 260 calculates the wife search frequency that matches the expenditure trend of the previous year from the husband search frequency or the wife search frequency. The budget is adjusted to follow the calculated search frequency.

As described above, the budget amount adjusting unit 260 calculates the budget amount and inputs the budget amount to each year's total planning items and monthly planning items of the monthly usage status compared to the plan.

At this time, the budget amount adjustment unit 260 may input a 12-month average of the sum of the budget for one year's budget for beauty clothing, cultural education expenses, and congratulation expenses in expenditure of expenditure.

On the other hand, the big data analysis unit 250, as shown in Figures 9 to 15, household information, savings & consumption propensity analysis, preparing a house, child plans, preparing for old age, guarantee insurance, investment propensity analysis, etc. As shown in Figs. 16 to 22, based on household information, saving & consumption propensity, housing information, child plan, old age plan, insurance coverage, investment propensity analysis, and the same direction of the comprehensive health index (in other words, financial compatibility) To evaluate.

Then, the budget amount adjustment unit 260 adjusts the budget amount based on the same direction of the big data analysis unit.

Of course, the analysis results of the big data analysis unit 250 can provide advice to the counselor in the financial design of the newlyweds.

As an example, “The result of the comprehensive financial chemistry of the two is that there are many more opinions that agree with each other than in the case of a typical newlywed couple, and the compatibility is good, but there are differences in each item that need to be corrected little by little. In order to prepare for this, if you prepare for this, consider the stability and profitability at the same time through expert advice and prepare for the future. I think there is. "

Hereinafter, a method for designing a newlywed finance according to the newlywed financial design system 100 according to an embodiment of the present invention will be described in more detail with reference to the flowchart of FIG. 24.

First, the big data analysis unit 250 of the household account management server 120 accesses portal sites such as Naver, Daum, and Google from the husband user terminal 111 and the wife user terminal 112 and transmits a search word entered by the user Receiving and calculating the search frequency of the search word for the large category items through big data analysis (an example is shown in FIGS. 4A and 4B and FIGS. 5A and 5B).

Next, the budget adjustment unit 260 of the household management server 120 calculates the difference between the husband search frequency and the wife search frequency of the search terms related to the large category items calculated by the big data analysis unit 250, and the calculated search frequency Find the sum of the deviations of the differences.

If the sum of these deviations is less than or equal to a certain value, it means that the monthly change in the search frequency of the search term is similar in the user terminal of the husband and the user terminal of the wife, and it is understood that this is a common concern of the husband and wife. It can be seen that it is done through the consultation of the wife.

On the other hand, if the sum of the deviations is more than a certain value, it means that the monthly change in the search frequency of the search term is different from the user terminal of the husband and the user terminal of the wife, and it does not correspond to the common interests of the husband and wife. Show that this is done according to the unilateral judgment of the husband or wife.

Accordingly, if the sum of the calculated deviations is less than or equal to a certain value, the budget amount adjustment unit 260 of the household management server 120 adjusts the budget amount to follow the change according to the sum total frequency by summing the husband search frequency and the wife search frequency. If it is more than a certain value, the budget is adjusted to follow the calculated search frequency after calculating the search frequency that matches the expenditure trend of the previous year among the frequency of searching for the husband or the frequency of searching for the wife.

At this time, the budget amount control unit 260 of the household server management server 120 may input a 12-month average of the sum of the budget for beauty clothing, cultural education, and congratulations from expenditure on consumption fluctuations.

On the other hand, the big data analysis unit 250, as shown in Figures 9 to 15, household information, savings & consumption propensity analysis, preparing a house, child plans, preparing for old age, guarantee insurance, investment propensity analysis, etc. As shown in Figs. 16 to 22, based on household information, saving & consumption propensity, housing information, child plan, old age plan, insurance coverage, investment propensity analysis, and the same direction of the comprehensive health index (in other words, financial compatibility) To evaluate.

Then, the budget amount adjustment unit 260 adjusts the budget amount based on the same direction of the big data analysis unit.

Of course, the analysis results of the big data analysis unit 250 can provide advice to the counselor in the financial design of the newlyweds.

On the other hand, users can purchase or receive goods at various stores of different types of industries, such as restaurants, gas stations, marts, and clothing stores, and pay at stores or merchants through various financial cards that accept payments such as credit cards and check cards. Request.

The merchant uses the merchant's terminal to request approval from the card company server for the amount of payment received by the user's financial card with the user's purchase or service, and accordingly, the card company server is responsible for the number authentication and payment for the user's card. If the conditions are met through authentication, the approval is given and the merchant terminal is notified (S10), and the text message text of the approval history for transmitting the approval history to the user terminal 110 is generated (S11).

Here, the card company server transmits a text message of the approval history to the user terminal 110 using a short message service (SMS).

However, the present invention is not limited thereto, and the card company server approves the user terminal 110 by using a long message service (LMS) or a multimedia message service (MMS) to transmit a text message of approval details by adding additional information such as other advertisement information. You can also send a text message of your history.

When the card company server sends the text message of the approval history to the user terminal 110, the text message service on the network so that the corresponding text message is transmitted to the user terminal 110 via the text message service center 140 (S12) The center 140 is relayed (S15).

As described above, the text message service center 140 approves the user terminal 110.

In the process of receiving the text message of the history from the card company server and transmitting it to the user terminal 110, the text message service center 140 requests the HLR 150 (or the exchanger) for the base station closest to the user terminal 110. The location information may be obtained (S13) and temporarily stored in the storage means (S14).

The user terminal 110 periodically updates the location information through the surrounding base stations, and accordingly the location information of the base station for the current location of the user terminal 110 reported to the HLR 150 through the HLR 150 or the exchanger. Can be obtained.

Subsequently, the approval history request unit 220 requests interworking with the text message service center 140 (S20), and the text message of the corresponding approval history from the text message service center 140 and the location information of the user terminal 110 (user terminal ( 110) may receive location information for the closest base station (S21).

In addition, the user terminal 110 may be equipped with a Global Positioning System (GPS) module, wherein the approval history request unit 220 may request location information from the user terminal 110, and the user terminal 110 itself GPS location information, such as latitude, longitude, and altitude for the side, may be provided to the approval history request unit 220 through the GPS module mounted on the side.

When using such GPS location information, the approval history request unit 220

By requesting interworking with the text message service center 140 (S20), only the text message of the corresponding approval history may be received from the text message service center 140 except for the location information of the base station of the user terminal 110 (S21). ).

The approval history request unit 220 stores the received text message of the approval history and the location information of the user terminal 110 in the household unit DB 211 for each subscriber terminal identifier (S22).

Accordingly, the approval history analysis unit 230 first extracts card usage date information, card company information, merchant name information, payment amount information, and the like from the text message of the approval history as shown in FIG. 25 stored in the household unit DB 211 ( S30).

In particular, the affiliate store management DB 121 is inquired using the extracted name information of the affiliate store (S31), and the affiliate store information for the affiliate stores having the same affiliate store name is obtained (S32).

The approval history analysis unit 230 may use this inquiry (search) result to determine the industry type for the affiliated store closest to the user terminal 110 based on the affiliated store information for the affiliates (S40).

Here, the merchants having the same merchant name that are searched using the merchant name information are intended to have other merchants having the same name in addition to the merchants that the user has paid for, and the merchant nearest to the user terminal 110 is the user who has paid for the above. Corresponds to the merchant, which is estimated to be a merchant.

Here, the function of the merchant management DB 121 may be performed in the household account DB 211 in the household management server 120, and the merchant management DB 121 manages the household account to interwork with the household management server 120 through a network. It may be built outside the server 120 to be affiliated.

First, in the household account DB 211 including the function of the affiliate store management DB 121, as described above, as shown in FIG. 26, the name of the affiliated store for each ID, the affiliated store location information, and the industry type Merchant information, including Korean information, is stored and managed.

Accordingly, the approval history analysis unit 230 may search for affiliate information for affiliates having the same affiliate name as the affiliate name included in the text message of the approval history with reference to this (S31, S32), and search accordingly The affiliate store location information included in the affiliate store information for the affiliates and the location information of the user terminal 110 can be compared to determine the affiliate store closest to the user terminal 110, and the corresponding industry from the affiliate store information for the closest affiliate store. The type (for example, restaurant, gas station, mart, clothing store, etc.) may be determined (S40).

In addition, when the merchant management DB 121 is built outside of the household management server 120 to interwork with the household management server 120 through a network, the household DB DB 211, as described above, as shown in FIG. Likewise, the affiliate store information including the name of the affiliate store for each ID, the affiliate store location information, and the information about the industry type is stored and managed.

26, the merchant management DB 121 can also manage merchant information, including merchant name, merchant location information, and type of business information for each ID for a number of merchants, and the household account DB 211 The merchant information of the periodic information is periodically shared by the control unit 210 to share the latest merchant information such as the merchant management DB 121.

You can also exchange.

At this time, the household account DB 211 is the minimum information for determining the merchant type closest to the user terminal 110 and the industry type of the merchant, for example, the merchant name for each ID for a plurality of merchants as above, Merchant information, including merchant location information, and information about the type of industry, can be stored and managed, and the merchant management DB 121, in addition to the above minimum information, as shown in FIG. 26, phone numbers, homepage addresses for merchants, Various management information about merchants of each card company, such as merchant advertisement information, may be stored and managed.

At this time, the control unit 210 periodically manages the affiliated stores so that the household account DB 211 shares the minimum corresponding information among the latest information maintained by the affiliate management DB 121.

By periodically exchanging information with the DB 121, the corresponding information of the household account DB 211 can be updated with the corresponding information of the merchant management DB 121.

At this time, since the household account DB 211 manages the required merchant information, the approval history analysis unit 230 queries the merchant management DB 121 to have the same merchant name as the merchant name included in the text message of the approval history. Only the name list for the merchants can be obtained (S31, S32), and accordingly, the merchant names of the corresponding name list are searched for with reference to the household account DB 211 (second merchant management DB), and the searched merchant names are searched for. By comparing the location information of the affiliate store for the user terminal and the location information of the user terminal 110, it is possible to determine the affiliate store closest to the user terminal 110, and the corresponding industry type (for example, a restaurant, from the affiliate store information for the closest affiliate store). Gas stations, marts, clothing stores, etc.) can be determined (S40).

On the other hand, as described above, when the approval history analysis unit 230 determines the affiliate store closest to the user terminal 110, the household account book is generated by generating personal household account information based on the text message of the approval history to include the type of industry determined for the affiliate store. Stored in the DB 211 (S50), and accordingly, the household account inquiry / sink processing unit 240 may provide household account information to be searched by the user terminal 110 (S60).

An example of a household unit managed by the household unit DB 210 is illustrated in FIG. 3. Referring to FIG. 3, the household unit includes an item sheet that is divided into a large category and a small category.

Here, the main categories include income, non-consumable expenditure, and consumable expenditure, again, non-consumable expenditure includes fixed-cost expenditure, and consumable expenditure includes consumable variable expenditure and consumable irregular expenditure.

In addition, fixed costs include re-tags, guaranteed insurance items, and expenditure items include food expenses, transportation costs, general management costs, and loan items. It includes.

Next, the sub-category includes the groom's salary, the groom's bonus, the bride's salary, the bride's bonus, bank interest, and other income items for the major categories of imported items.

In addition, for the re-tag, which is a large category, the sub-class includes savings 1 to 4, and the sub-class for coverage insurance includes guarantee coverage 1 to coverage coverage 3.

Next, for the large category of food expenses, the sub-category includes catering, snack, corrosion, delivery, material cost, etc., and for the large-scale transportation cost category, the sub-category includes fuel costs, vehicle maintenance costs, vehicle insurance premiums, transportation costs, and general administrative expenses. The sub-categories for the items include management fees, rental fees, electric charges, internet, mobile phones, subscription fees, and the sub-categories for the large categories of loans include repayment of loans.

In addition, for the general category of general living expenses, the sub-category includes household goods, household appliances, and household goods, and for the general category of beauty clothing, the sub-category includes clothing, shoes, beauty, hair, skin care, and beauty miscellaneous items. For the major categories of health and medical expenses, the sub-categories include hospital expenses and pharmaceutical expenses, and for the major categories of cultural education expenses, the sub-categories include utility bills, school fees, study papers, other educational expenses, vacation expenses, cultural education, etc. The sub-category includes items such as congratulations, congratulations, holidays, mother's day, birthday, birthday / anniversary, teacher's day, and other congratulatory items. , And property tax items.

27 shows the details of January 2018 as an embodiment of a household account used in the present invention, and shows income and expenses of each item.

And, Figure 28 shows the total amount of monthly usage in one embodiment of the household used in the present invention.

In such a monthly sheet, it is possible to check the total amount of each item in the detailed classification total. The detailed amount of each item can also be confirmed by the detailed status below.

Next, FIG. 29 is a diagram showing monthly usage status compared to a plan, and shows a monthly planned budget and usage status accordingly.

On the other hand, the user accesses the household account management server 120 through the execution of a service-only application mounted on the user terminal 110 or an Internet web page, and based on the household account DB 211 in which the household account information is stored as described above. You can query

At this time, the household account inquiry / sink processing unit 240 accesses the corresponding household account information based on the household account DB DB 211 in which the household account information is stored in the user terminal 110 that is accessed and inquired through a web or a dedicated application mounted on the user terminal 110. Can provide.

In addition, the user is based on the storage means of the user terminal 110 in which the household account information of the household account DB 211 is synchronized and stored through the sync processing with the user terminal 110 periodically executed by the household query / sync processing unit 240. You can also check your own household account information.

That is, the household unit inquiry / sink processing unit 240 periodically stores the household unit information through the sync processing with the user terminal 110 (or at the request of the user terminal 110). (For example, it may be stored in synchronization with the memory), and accordingly, the user terminal 110 may query the corresponding household account information.

The user may be provided with the corresponding household account information by selectively dividing each type of business, by card usage date, by card company, by merchant, or by payment amount through the inquiry screen of the household account information of the user terminal 110.

In the case of providing the inquiry screen of the relevant household account information based on the household account DB 211, the household account inquiry / sync processing unit 240 provides each menu as above, by type of industry, by date of card use, by card company, by merchant, or It is possible to query the household account information for each payment amount, and when providing the inquiry screen for the household account information as described above based on the storage means (for example, memory) of the synchronized user terminal 110, the user terminal 110 Dedicated application of each can provide each menu as described above, by type of business, card usage date, card company, merchant, or to check the household account information by payment amount.

As described above, although the present invention has been described with limited embodiments and drawings, the present invention is not limited to the above embodiments, and various modifications and variations from these descriptions will be made by those skilled in the art to which the present invention pertains. This is possible.

Therefore, the scope of the present invention is not limited to the described embodiments, and should not be determined, but should be determined not only by the following claims, but also by the claims and equivalents.

120: household account management server
121: Merchant Management DB
211: Household account DB
220: approval history request unit
230: approval history analysis unit
240: household account inquiry / sink processing unit
250: big data analysis department
260: budget adjustment unit

Claims (17)

In the process of transmitting the text message of the approval history for the payment of the card to the user terminal through the text message service center of the carrier from the card company server, the request to the text message service center to request the text message of the approval history and the location information of the user terminal Request for approval history received; And
Among the affiliated stores searched for by the name of the affiliated store included in the text message of the approval history, personal household account information based on the text message of the approval history is displayed based on the type of industry determined for the affiliated store closest to the user terminal based on the location information. Newlywed financial design system including the approval history analysis section to generate. The method according to claim 1,
This is a user terminal that is accessed and viewed through a dedicated application or web mounted on a user terminal. The household account information is provided based on the DB in which the household information is stored, or the household information is periodically accessed through a sync process with the user terminal. Newlywed financial design system further comprises a household unit inquiry / sink processing unit to control the user terminal to inquire the corresponding household unit information by synchronizing and storing it in the storage means. The method according to claim 1,
The household account information includes an item sheet that is divided into large and small categories, and the large categories include income, non-consumable expenditure, and consumable expenditure items, non-consumable expenditure includes fixed-cost items, and consumable expenditure is expenditure variable expenditure Newlywed financial design system that includes non-consumable irregular spending items. The method according to claim 3,
The fixed cost includes re-tag and guarantee insurance items, and the expenditure items include food expenses, transportation costs, general management costs, and loan items, and the consumable irregular expenses include general living expenses, beauty clothing, health care expenses, cultural education expenses, and security expenses. Including honeymoon financial design system. The method according to claim 4,
A big data analysis unit that accesses a portal site from a husband user terminal and a wife user terminal and receives a search word input by a user to calculate a search frequency of a search term of a large category item through big data analysis; And
Newlywed finance further comprising a budget adjustment unit that calculates a difference between a husband's search frequency and a wife's search frequency of a search term related to a large category item calculated by the big data analysis unit, and adjusts a budget amount by calculating a sum of deviations of the calculated search frequency difference Design system. The method according to claim 5,
If the sum of the calculated deviations is less than or equal to a certain value, the budget amount adjusting unit adjusts the budget amount to follow the change according to the total frequency added by summing the husband search frequency and the wife search frequency. Among them, the newly designed financial design system adjusts the budget to track the calculated search frequency after calculating the search frequency that matches the expenditure trend of the previous year. The method according to claim 6,
The budget amount adjustment unit is a new financial design system that inputs a 12-month average of the sum of one year's budget for beauty clothing, cultural education expenses, and congratulations expenses in expenditure of consumption fluctuations. The method according to claim 4,
Household information, saving & consumption tendency, housing information, child plan, old age plan, guaranteeability based on the survey results for household information, saving & consumption propensity analysis, home arrangement, child plan, old age preparation, guarantee insurance, and investment propensity analysis Big data analysis unit that evaluates marital equality of insurance, investment propensity analysis, and general health index; And
Newlywed wealth design system including a budget amount adjustment unit for adjusting the budget amount based on the same direction as the couple of the big data analysis unit.
(A) In the process of the household account management server transmitting the text message of the approval history for the payment of the card from the card company server to the user terminal through the text message service center of the carrier, the text message of the approval history and the location information of the user terminal are transmitted. Receiving; And
(B) of the approval history based on the industry type determined by the household account management server for the affiliate nearest to the user terminal based on the location information among the affiliated stores searched by the affiliate name included in the text message of the approval history Newlywed financial design method comprising the step of generating personal household information based on a text message. The method according to claim 9,
The location information of the user terminal is the location information for the closest base station obtained by requesting to the text message service center or the GPS location information for the side through the GPS module mounted by the user terminal obtained by requesting to the user terminal. Design method. The method according to claim 9,
The household account information includes an item sheet that is divided into large and small categories, and the large categories include income, non-consumable expenditure, and consumable expenditure items, non-consumable expenditure includes fixed-cost items, and consumable expenditure is expenditure variable expenditure Newlywed financial design methodology that includes items of consumption and irregular consumption. The method according to claim 11,
The fixed cost includes re-tag and guarantee insurance items, and the expenditure items include food expenses, transportation costs, general management costs, and loan items, and the consumable irregular expenses include general living expenses, beauty clothing, health care expenses, cultural education expenses, and security expenses. Including honeymoon financial design methods. The method according to claim 12,
(C) the household account management server accessing a portal site from a husband user terminal and a wife user terminal to receive a search word input by a user and calculating a search frequency of a search term of a large category item through big data analysis; And
(D) calculating a difference between a husband's search frequency and a wife's search frequency of a search term frequency related to a large category item calculated by the household management server, and calculating a sum of deviations of the calculated search frequency difference to adjust the budget amount Financial design method. The method according to claim 13,
In step (D), if the sum of the calculated deviations is less than or equal to a certain value, the household management server adjusts the budget to track changes according to the total frequency by summing the husband search frequency and the wife search frequency. A new financial design method that adjusts the budget to track the calculated search frequency after calculating the search frequency that matches the expenditure trend of the previous year, either from the husband search frequency or the wife search frequency. The method according to claim 14,
In the step (D), the household server management server inputs a 12-month average of the sum of the annual budget for beauty clothing, cultural education expenses, and congratulations expenses in expenditure of consumption fluctuations. The method according to claim 14,
Access to the household account management server through a dedicated application mounted on the user terminal or the web, and query their household account information based on the DB where the household account information is stored,
Newlywed financial design method of inquiring own household information based on the storage means of the user terminal in which the household information is synchronized and stored through a sync process with a user terminal periodically executed by the household management server. The method according to claim 13,
(E) The household management server is based on the survey results for household information, saving & consumption propensity analysis, home arrangement, child plan, retirement preparation, guarantee insurance, investment propensity analysis, household information, saving & consumption propensity, housing information , Child Plan, Old Age Plan, Guaranteed Insurance, Investment Propensity Analysis, Assessing Couple Orientation of the Comprehensive Health Index; And
(F) The household management server server newly-married wealth design method further comprising the step of adjusting the budget based on the same direction of the couple.

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