KR20200114115A - An apparatus for financial consulting and a method therefor - Google Patents

Abstract

According to an embodiment of the present invention, provided is a device for financial consulting which provides the consulting on optimal loan timing. The device for financial consulting comprises: a communication module for communication with a user device; and a control module, when a request for real estate loan information is received from the user device, accessing a real estate server to check a transaction of corresponding real estate and inquiring the loan information by contacting a financial server to provide the loan information to the user device.

Description

An apparatus for financial consulting and a method therefor

The present invention relates to a technology for financial consulting, and more particularly, to an apparatus and a method for providing financial consulting for real estate loans in connection with a customer's account.

In general, financial management refers to how to hold and manage various assets in order to secure liquidity, stability and profitability of financial institutions by reporting debts such as deposits from financial institutions. Also, interest in managing and proliferating their own financial resources is increasing.

Korean Patent Publication No. 2009-0002004 published on January 09, 2009 (Name: Integrated messenger banking method using personal asset management system)

An object of the present invention is to provide an apparatus and a method for providing financial consulting for a user-customized real estate loan.

The device for financial consulting according to a preferred embodiment of the present invention for achieving the above object is a communication module for communication with a user device, and when a request for real estate loan information is received from the user device, the real estate server is slow to And a control module that checks the transaction price of, accesses the financial server to inquire loan information, and provides it to the user device.

When receiving the account information from the user device, the control module calculates a monthly savings based on the received account information, calculates a time when the loan profit is maximized based on the calculated monthly savings, and provides it to the user device. It features.

The control module calculates the uncertainty of profit of purchase in cash indicating the correlation of demand between a plurality of real estates during the unit period, calculates the uncertainty of profit of purchase of a loan indicating the deviation of demand of each real estate during the unit period, and the cash A time point at which the difference between the uncertainty of the purchase profit and the uncertainty of the loan purchase profit becomes the maximum is calculated as the time when the loan profit becomes the maximum.

을 통해 산출하며, 상기 i 및 상기 j는 부동산 인덱스이며, 상기 t는 기간 인덱스이며, 상기 N은 총 부동산 수이며, 상기

는 부동산 i와 부동산 j의 t 기간의 수요의 공분산인 것을 특징으로 한다. The control module determines the uncertainty of the cash purchase profit by the following equation:

The i and j are real estate indexes, t is a period index, and N is the total number of real estates, and

Is characterized in that the covariance of the demand of real estate i and the period t of real estate j.

을 통해 산출하며, 상기 j는 부동산 인덱스이며, 상기 t는 기간 인덱스이며, 상기 N은 총 부동산 수이며, 상기

는 부동산 j의 t 주차의 일간 수요의 표준편차인 것을 특징으로 한다. The control module equations the uncertainty of profit of the loan purchase

Is calculated through, j is a real estate index, t is a period index, N is the total number of real estate, the

Is characterized in that the standard deviation of the daily demand for parking t of the real estate j.

에 따라 산출하며, 상기 i 및 상기 j는 부동산 인덱스이며, 상기 t는 기간 인덱스이며, 상기 N은 총 부동산 수이며, 상기 ts는 기준 시점이고, 상기 te는 총 구매 비용 보유 시점인 것을 특징으로 한다. The control module equations the point at which the loan profit is maximized.

It is calculated according to, wherein i and j are real estate indexes, t is a period index, N is the total number of real estates, ts is a reference point, and te is a point of holding total purchase cost. .

A method for financial consulting according to a preferred embodiment of the present invention for achieving the above-described object includes the steps of receiving a request for real estate loan information from a user device, checking the transaction price of the real estate by being slow to the real estate server, Accessing a financial server to inquire loan information and providing it to the user device; when receiving account information from the user device, calculating monthly savings based on the received account information; and calculating monthly savings based on the calculated monthly savings. And calculating a time point at which the loan profit is maximized and providing it to the user device.

According to the present invention, it is possible not only to provide real estate loan information, but also to provide consulting on an optimal loan time.

1 is a diagram for explaining the configuration of a system for financial consulting according to an embodiment of the present invention.
2 is a view for explaining the configuration of the consulting server 200 according to an embodiment of the present invention.
3 is a flowchart illustrating a method for financial consulting according to an embodiment of the present invention.
4 is a graph for explaining a reference point of time at which the loan profit is maximized according to an embodiment of the present invention.
5 is a flowchart illustrating a method of calculating a time point at which the loan profit is maximized according to an embodiment of the present invention.
6 is a graph for explaining a method of calculating a time point at which the loan profit is maximized according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in the following description and the accompanying drawings, detailed descriptions of known functions or configurations that may obscure the subject matter of the present invention will be omitted. In addition, it should be noted that the same components are indicated by the same reference numerals as possible throughout the drawings.

The terms or words used in the present specification and claims described below should not be construed as being limited to a conventional or dictionary meaning, and the inventor is appropriate as a concept of terms for describing his own invention in the best way. It should be interpreted as a meaning and concept consistent with the technical idea of the present invention on the basis of the principle that it can be defined. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all the technical ideas of the present invention, and thus various alternatives that can be substituted for them at the time of application It should be understood that there may be equivalents and variations.

In addition, terms including ordinal numbers such as first and second are used to describe various elements, and are only used for the purpose of distinguishing one element from other elements, and to limit the elements. Not used. For example, without departing from the scope of the present invention, a second component may be referred to as a first component, and similarly, a first component may be referred to as a second component.

In addition, when a component is referred to as being "connected" or "connected" to another component, it means that it is logically or physically connected or can be connected. In other words, it should be understood that a component may be directly connected or connected to another component, but another component may exist in the middle, or may be indirectly connected or connected.

In addition, terms used in the present specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In addition, terms such as "comprises" or "have" described herein are intended to designate the presence of features, numbers, steps, actions, components, parts, or a combination thereof described in the specification. It is to be understood that the above other features, or the possibility of the presence or addition of numbers, steps, actions, components, parts, or combinations thereof, are not preliminarily excluded.

In addition, embodiments within the scope of the present invention include computer-readable media having or transferring computer-executable instructions or data structures stored in the computer-readable media. Such computer-readable media may be any available media accessible by a general purpose or special purpose computer system. By way of example, such computer readable media may be in the form of RAM, ROM, EPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage, or computer executable instructions, computer readable instructions, or data structures. It may include, but is not limited to, physical storage media such as any other media that may be used to store or deliver certain program code means, and may be accessed by a general purpose or special purpose computer system. .

First, a system for financial consulting according to an embodiment of the present invention will be described. 1 is a diagram for explaining the configuration of a system for financial consulting according to an embodiment of the present invention.

Referring to FIG. 1, a consulting system according to an embodiment of the present invention includes a user device 100, a consulting server 200, a real estate server 300, and a financial server 400. The user device 100, the consulting server 200, the real estate server 300, and the financial server 400 may communicate with each other through a network.

The user device 100 may be any device as long as it performs a computing operation and communicates through a network. For example, the user device 100 can be applied to various terminals such as all information communication devices, multimedia terminals, wired terminals, fixed terminals, and Internet Protocol (IP) terminals. For example, the user device 100 may be a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, a tablet, a phablet, a laptop, and the like. The consulting server 200 is a server for providing a financial consulting service according to an embodiment of the present invention. The real estate server 300 may be a server operating an API that provides an actual transaction price of the Ministry of Land, Infrastructure and Transport or a server that provides an actual transaction price of a bank (eg, Kookmin Bank). The financial server 400 may be a server that operates an API of the Financial Supervisory Service financial product portal.

Here, if the network is a network capable of transmitting and receiving data, the type is not particularly limited. For example, the network may include wireless communication networks such as WLAN (Wireless LAN), Wi-Fi, Wibro, Wimax, and High Speed Downlink Packet Access (HSDPA), depending on the system implementation method. Wired communication networks such as Ethernet, xDSL (ADSL, VDSL), HFC (Hybrid Fiber Coaxial Cable), FTTC (Fiber to The Curb), FTTH (Fiber To The Home) may be included. Preferably, the network of the present invention may include, for example, a mobile communication network comprising a plurality of access networks (not shown) and a core network (not shown) connecting them. Here, the access network is a network that performs wireless communication by directly accessing a terminal, for example, a plurality of base stations such as BS (Base Station), BTS (Base Transceiver Station), NodeB, eNodeB, etc., and Base Station Controller (BSC). , May be implemented with a base station controller such as a radio network controller (RNC). In addition, as described above, the digital signal processing unit and the wireless signal processing unit, which were integrally implemented in the base station, are divided into digital units (hereinafter referred to as DUs) and wireless units (hereinafter referred to as RUs), Multiple RUs (not shown) can be installed in multiple areas, and multiple RUs can be connected to a centralized DU. In addition, a core network (not shown) constituting a mobile network along with an access network This core network is a network system that performs major functions for mobile communication services such as mobility control and switching between access networks, as described above, and serves to connect external networks, for example, other communication networks such as the Internet. It performs circuit switching or packet switching, manages and controls packet flow within the mobile network, and manages inter-frequency mobility, and manages traffic and other traffic in the access network and the core network. It can also play a role for interworking with a network, for example an Internet network, such as Serving GateWay (SGW), PDN GateWay (PGW), Mobile Switching Center (MSC), Home Location Register (HLR), Mobile Mobility Entity), a Home Subscriber Server (HSS), etc. In addition, the network according to the present invention may include an Internet network, in which information is exchanged according to the TCP/IP protocol. Means the public network of

Through such a network, the user device 100, the consulting server 200, the real estate server 300, and the financial server 400 can interwork with each other to provide a financial consulting service according to the present invention.

Then, the configuration of the consulting server 200 according to an embodiment of the present invention will be described in more detail. 2 is a view for explaining the configuration of the consulting server 200 according to an embodiment of the present invention. Referring to FIG. 2, the consulting server 200 includes a communication module 210, a storage module 220, and a control module 230.

The communication module 210 is for communicating with the user device 100, the real estate server 300, and the financial server 400 through a network. The communication module 210 may include a modem that modulates a signal transmitted through a network and demodulates a received signal.

The storage module 220 serves to store programs and data required for the operation of the consulting server 200. In particular, the storage module 220 is an area in which data generated according to the use of the consulting server 200 is stored. As for such data, various types of data stored in the storage module 220 may be deleted, changed, or added according to a user's manipulation.

The control module 230 may control the overall operation of the consulting server 200 and a signal flow between internal blocks of the consulting server 200 and perform a data processing function of processing data. The control module 230 may be a central processing unit (CPU), a digital signal processor (DSP), or the like. The operation of the control module 230 will be described in more detail below.

Next, a method for financial consulting according to an embodiment of the present invention will be described. Next, FIG. 3 is a flowchart illustrating a method for financial consulting according to an embodiment of the present invention.

Referring to FIG. 3, the user device 100 requests loan information for real estate desired by the user according to the user's input in step S110. The control module 230 of the consulting server 200 receiving such a request accesses the real estate server 300 through the communication module 110 in step S120 to check the real estate transaction price by inquiring it.

Then, the control module 230 accesses the financial server 400 through the communication module 110 in step S130 to query the loan information for the corresponding real estate, that is, the loanable amount and interest rate.

Subsequently, the control module 230 calculates the principal and interest in step S140 and checks the repayment schedule. Then, the control module 230 transmits the real estate loan information to the user device 100 in step S150.

Then, according to the user's input, the user device 100 provides account information that it wants to use for real estate daily to the consulting server 200, and the control module 230 of the consulting server 200 is in step S160. It accesses the financial server 400 and detects information on the corresponding account. For example, if the price of an apartment is 300 million won and the loanable amount is 210 million won, if the balance of the account is 50 million won, it can be seen that the required fund is 40 million won.

Subsequently, the control module 230 of the consulting server 200 calculates monthly savings according to the account provided by the user device 100 in step S160. Then, the control module 230 of the consulting server 200 calculates a time point at which the loan profit is maximized based on the monthly savings in step S180. Then, the control module 230 transmits to the user device 100 a point in time when the loan profit is maximized in step S190. Accordingly, the user can know when the loan profit is maximized, and can proceed with the loan according to that time.

Then, a description will be given of a method of calculating the point in time when the loan profit of step S180 is maximized. 4 is a graph for explaining a reference point of time at which the loan profit is maximized according to an embodiment of the present invention. 5 is a flowchart illustrating a method of calculating a time point at which the loan profit is maximized according to an embodiment of the present invention. 6 is a graph for explaining a method of calculating a time point at which the loan profit is maximized according to an embodiment of the present invention.

First, referring to FIG. 4, there is an advantage in that there is no burden of financial costs to purchase real estate through cash held by a user. However, most users lack cash, and if real estate prices continue to rise, they may not be able to purchase the desired real estate due to the increase in real estate value rather than financial costs, or may have to pay an amount more than the financial cost to purchase. The present invention basically assumes a situation in which real estate is purchased through a part of cash and a part through loan. The buyer who wants to purchase real estate is in a state that some of the real estate price to be purchased is insufficient, and income is continuously generated from the current point (tn), and if the monthly savings calculated in step S170 are saved monthly, after a predetermined period has elapsed. In this case, it is assumed that you can collect all of the cash to purchase the target property. The first period is a period from the present (tn) to the reference point (ts), and represents a point in time when a loan purchase is more advantageous than a cash purchase. The second period is a period from the reference time point (ts) to the time point at which the total purchase cost can be retained (te), and represents a time point in which cash purchase is more advantageous than loan purchase. Accordingly, the present invention derives the reference point ts at which the profits of both the cash purchase and the loan purchase can be maximized in consideration of both the cash purchase and loan purchase advantages.

According to the present invention, it is assumed that the consulting server 200 collects demand forecast data for each unit period for a plurality of real estate and stores it in the storage module 220. Real estate demand forecasting can be done by a variety of known methods, and can be done by market research organizations. However, since demand forecasting is not the gist of the present invention, detailed descriptions are omitted.

5, the control module 230 is a unit for real estate that the user wants to purchase from the storage module 220 and other real estate existing within a predetermined range in order to derive the reference point ts in step S210. Extract forecasted demand for each period.

Next, the control module 230 calculates a profit uncertainty (Ct) of the cash purchase in step S220. The profit uncertainty (Ct) of a cash purchase can be calculated through Equation 1 below.

는 부동산 i와 부동산 j의 t 단위 기간의 예측된 수요의 공분산이다.

는 i=j이면,

이며, 이는 부동산 i의 단위 기간 예측된 수요의 분산을 나타낸다. 즉, 현금 구매의 이익의 불확실성(Ct)은 복수의 부동산에서 어느 하나의 부동산의 수요와 다른 부동산의 수요의 상관관계를 나타내며, 각 부동산 간의 수요가 유사할수록 현금 구매의 이익의 불확실성(Ct)의 값이 커진다. 즉, 현금 구매의 이익의 불확실성(Ct)은 단위 기간 동안의 부동산 간의 수요의 상관도에 따라 결정되며, 부동산 간의 수요 상관도가 양의 상관관계를 가질수록 높으며, 부동산간의 수요의 상관도가 없거나 음의 상관관계를 가질수록 낮다. 부동산 간의 수요가 유사할수록 현금 구매 이익의 불확실성(Ct)이 높아지며, 대출 구매가 유리하고, 현금 구매가 불리하다. Here, i and j are the real estate index, t is the unit period index, and N is the total number of real estate.

Is the covariance of the predicted demand over the period t for property i and property j.

Is i=j,

This represents the variance of the predicted demand for a unit period of real estate i. In other words, the uncertainty of the profit of the purchase of cash (Ct) represents the correlation between the demand of one real estate and the demand of another real estate in a plurality of real estates. The value increases. That is, the uncertainty (Ct) of the profit of the purchase of cash is determined according to the correlation of demand between real estate during a unit period, and the higher the correlation between demand between real estate has a positive correlation, and there is no correlation between demand The lower it has a negative correlation. The closer the demand between real estates is, the higher the uncertainty (Ct) of cash purchase profits, the more favorable the loan purchase, and the more disadvantageous the cash purchase.

Next, the control module 230 calculates the profit uncertainty (Dt) of the loan purchase in step S230. The profit uncertainty (Dt) of the loan purchase can be calculated through Equation 2 below.

는 부동산 j의 t 기간의 수요의 표준편차를 나타낸다. 대출 구매의 이익의 불확실성(Dt)은 단위 기간 동안 각 부동산의 수요의 편차에 따라 결정된다. 대출 구매의 수요 불확실성(Dt)은 모든 부동산의 수요의 표준 편차이며, 대출 구매 할 때의 이익의 불확실성이라 할 수 있다. 따라서 대출 구매의 수요 불확실성(Dt)은 부동산 수요의 표준 편차가 클수록 높고, 부동산 수요의 표준 편차가 낮을수록 낮다. Here, j is the real estate index, t is the period index, and N is the total number of real estate.

Represents the standard deviation of demand for period t of property j. The uncertainty (Dt) of the profit of a loan purchase is determined by the variation in demand for each property over a unit period. The demand uncertainty (Dt) of a loan purchase is the standard deviation of the demand of all real estate, and it can be said to be the uncertainty of the profit of a loan purchase. Therefore, the demand uncertainty (Dt) of loan purchase is higher as the standard deviation of real estate demand increases, and lower as the standard deviation of real estate demand decreases.

Next, the control module 230 calculates a reference time point (ts) at which the loan profit is maximized in step S240. First, the loan profit (Rt) can be expressed as the difference between the uncertainty of the cash purchase profit (Dt) and the uncertainty of the loan purchase profit (Ct), and can be expressed as Equation 3 or Equation 4 below.

That is, according to Equations 4 and 5, the larger the loan profit Rt is, the more advantageous the loan purchase is, and the smaller the loan profit Rt, the more advantageous the cash purchase. Based on the above points, the present invention calculates the reference point ts at which the loan profit is maximized.

Accordingly, the reference point ts at which the loan profit is maximized may be obtained through Equation 5 or 6 below.

Here, i and j are the real estate index, t is the period index, and N is the total number of real estate. ts is the reference point, and te indicates the point of holding the total purchase cost.

Meanwhile, the method according to the embodiment of the present invention described above may be implemented in the form of a program that can be read through various computer means and recorded on a computer-readable recording medium. Here, the recording medium may include a program command, a data file, a data structure, or the like alone or in combination. The program instructions recorded on the recording medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in computer software. For example, the recording medium includes magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic-optical media such as floptical disks ( magneto-optical media) and hardware devices specially configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of the program instruction may include not only machine language wires such as those made by a compiler, but also high-level language wires that can be executed by a computer using an interpreter or the like. These hardware devices may be configured to operate as one or more software modules to perform the operation of the present invention, and vice versa.

The present invention has been described above using several preferred embodiments, but these embodiments are illustrative and not limiting. As such, those of ordinary skill in the art to which the present invention pertains will understand that various changes and modifications can be made according to the equivalence theory without departing from the spirit of the present invention and the scope of the rights presented in the appended claims.

100: user device
200: consulting server
210: communication module
220: storage module
230: control module
300: real estate server
400: financial server

Claims (7)

In the device for financial consulting,
A communication module for communicating with a user device; And
And a control module that, upon receiving a request for real estate loan information from a user device, checks the transaction price of the real estate by being low on the real estate server, accesses the financial server to inquire the loan information, and provides it to the user device
Devices for financial consulting. The method of claim 1,
The control module
When receiving account information from the user device, a monthly saving amount is calculated based on the received account information, and a time point at which the loan profit is maximized is calculated based on the calculated monthly saving amount and provided to the user device.
Devices for financial consulting. The method of claim 2,
The control module
Calculate the uncertainty of profit of purchase in cash, which represents the degree of correlation of demand between a plurality of real estate during a unit period,
Calculate the uncertainty of the profit of the loan purchase, which represents the deviation of the demand for each real estate during the unit period,
A time point at which the difference between the uncertainty of the cash purchase profit and the uncertainty of the loan purchase profit becomes the maximum is calculated as the time when the loan profit becomes the maximum.
Devices for financial consulting. The method of claim 3,
The control module
The uncertainty of the cash purchase profit is calculated through the following equation,

I and j are real estate indexes,
Where t is a period index,
N is the total number of real estate,
remind

Is the covariance of the demand for the period t of the real estate i and the real estate j.
Devices for financial consulting. The method of claim 3,
The control module
The uncertainty of the profit of the loan purchase is calculated through the following equation,

J is the real estate index,
Where t is a period index,
N is the total number of real estate,
remind

Is the standard deviation of daily demand for parking t of real estate j
Devices for financial consulting. The method of claim 1,
The control module
The point at which the loan profit is maximized is calculated according to the following equation,

I and j are real estate indexes,
Where t is a period index,
N is the total number of real estate,
The ts is the reference time point,
The te is characterized in that the total purchase cost holding time
Devices for financial consulting. In the method for financial consulting,
Receiving a request for real estate loan information from a user device;
Checking the transaction price of the corresponding real estate by being low on the real estate server;
Accessing a financial server to inquire loan information and providing it to the user device;
Upon receiving account information from the user device, calculating monthly savings based on the received account information; And
And calculating a time point at which the loan profit is maximized based on the calculated monthly savings amount and providing it to the user device;
Methods for financial consulting.

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