KR20210017399A - Life Financial Health Diagnosis Service System using Health Screening Technique - Google Patents

Abstract

The present invention relates to a P2B life-finance health diagnosis service system using big data for supporting a financially vulnerable group or people (neglected people) who extremely lack financial knowledge such that the group or people can manage a wise economic activity through diagnosis/prediction/consultation regarding personal life-finance conditions. According to the present invention, for the purpose of personal finance-related risk management diagnosis and consultation based on machine learning and big data providing suggestions to find financial risks and wrong life-finance behavior and solve problems in advance by collecting and diagnosing personal mass financial data, the system can predict household life-finance, aged bankruptcy, credit bankruptcy, overdue rate occurrence, financial fraud exposure and the like and provide suggestions to make an improvement in the use of financial institutions, the use of financial products and the use of financial services as well as can prevent an economic loss by discovering misplaced money, idle money and hidden money.

Description

Life Financial Health Diagnosis Service System using Health Screening Technique}

The present invention relates to an individual life finance health diagnosis service system and its method, and more specifically, by collecting and diagnosing a large amount of personal financial data, it proposes to find financial risk factors and wrong financial life habits to solve the problem in advance. Analyze household finance, life finance, and attitudes to predict retirement bankruptcy, credit bankruptcy, delinquency, and exposure to financial fraud, and propose to improve the use of financial institutions, the use of financial products, and the use of financial services to improve life finance habits and leak money. It is about financial health check-up services that help people find money, hidden money, and prevent economic loss.

In general, individuals lack specialized medical knowledge on health management and do not know the factors that threaten their health and various diseases that can occur, so it is necessary to receive regular health check-ups as a countermeasure, and many people are compulsory. Get a health checkup. The vast amount of health check-up results generated in this way become statistics for tracking various causes of onset and help manage personal health. In finance, many people lack expertise and lack of their own financial management. There are problems such as debt and self-employed debt. Accordingly, the present invention needs a living financial health check-up service that supports a healthy financial life of an individual through the life-finance health check-up service of an individual in the same way as a general health check-up.

As a prior patent document of the present invention, ``Individual Health Checkup Service System and Method'' of Publication (A) No. 10-2017-0115292 (September 8, 2017), No. 10-2016-0082613 (2016 June 30), there is a server that provides customized financial information through analysis of health checkup results.

The present invention was created to solve the above problems, and through AI-based financial health diagnosis using big data of an individual's vast financial data, financial health was evaluated and financial risk was predicted and provided Its purpose is to provide services that prevent insolvency in advance.

The financial health diagnosis service system using the health checkup technique of the present invention to achieve the above object is provided with personal information, credit rating, credit information, income, and loans from a financial company when a personal financial health checkup is requested. Based on personal information data such as consumption, data analysis and diagnosis prediction simulation is conducted based on big data, and through the simulation results, personal financial health scores such as debt risk, retirement risk, financial fraud risk, credit risk, insurance risk, etc. It is intended to present an individual's personal financial statements and to present what are the risk factors of an individual's life finance.

In another aspect of the present invention for achieving the above object, as a personal and financial institution (Person to Business: P2B) life finance health counseling system using big data, access according to the consent of personal information from a user terminal connected through a network. General financial information of the user, a preprocessing unit that collects big data including unstructured data and refines big data, standardized data from big data delivered from the preprocessing unit, and basics received from financial information of financial institutions requested by the user P2B life finance health diagnosis service is provided through data analysis, diagnosis, and prediction.

According to an embodiment of the present invention, the financial health check-up service system provides appropriate financial counseling to financially underprivileged people (financial marginalized persons) having abandonment of economic activity or a feeling of helplessness to relieve stress caused by finance and support wise economic activities. It will help to maintain a healthy life finance society.

1 is a schematic block diagram for collecting, processing, analyzing, and predicting personal financial life information by using big data on personal information according to an embodiment of the present invention.
FIG. 2 is a schematic block diagram showing a processing procedure for life finance diagnosis consultation by using personal information data of FIG. 1.
3 is a flowchart for explaining an embodiment of consenting personal information with a financial institution of FIG. 1.
FIG. 4 is a schematic diagram for explaining a major exaggeration showing the big data processing process of FIG. 2.
5 is a table showing the risk factors of living finance after the processing of FIG. 4 is completed.
6 is a graph showing the diagnosis status of life finance after the processing of FIG. 4 is completed.
FIG. 7 is a graph showing the prediction result of life finance diagnosis after the processing of FIG. 4 is completed.

Terms used in the present invention are terms used in the field of big data, and the components should not be limited by the terms. These terms are used only for the purpose of distinguishing one component from another component. The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention, and all terms used herein including technical or scientific terms are common knowledge in the technical field to which the present invention belongs. It can have the same meaning as commonly understood by those who have.

A preferred embodiment of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, the same reference numerals are used for the same old text elements in the drawings in order to help the overall understanding, and redundant descriptions for the same elements are omitted.

FIG. 1 is a schematic block diagram for collecting, processing, analyzing, predicting, and visualizing personal information on personal financial life using big data according to an embodiment of the present invention. Referring to FIG. 1, in the life finance health examination service system according to the present embodiment, when personal information is input through the personal terminals 11, 12, 13, the communication unit of the entire system 19 through the wired wireless network 14 ( The signal input to 15) is transmitted and the signal transmitted from the communication unit is transmitted to the authentication unit 16, which proceeds to consent to personal data information. After the personal information consent is authenticated, the bank's information data is collected and transmitted to the system's data processing unit (17), which analyzes, diagnoses, and predicts future risks, and then the data visualization (18) step The signal transmitted to the data visualization is diagrammed in a graph or table, and a life finance diagnosis consultation service of personal data is performed. In this embodiment, the life finance health diagnosis service system includes a communication unit 15, an authentication unit 16, a data processing unit 17, a data storage unit 18, and a data visualization 19.

2 is a flow chart illustrating an embodiment of using the personal life finance health examination service system of FIG. Referring to FIG. 2, in the life finance health diagnosis service system according to the present embodiment, after a personal information agreement is made through a terminal, log in 10 and function requirements for the function of the life finance health diagnosis service system. With reference to 10, the functional design 20 is proceeded. As for the functional requirements, as shown in FIG. 8, functional design is performed with reference to customer information, manager information, basic counselor information, professional counselor information, counseling center information, and counseling room information. In FIG. 2, the data linkage 30 exchanges data by linking with a financial institution after consenting to personal information about personal data. Data received from financial institutions collects data through log collector crawling, stores data through MySQL, refines structured and unstructured data through distributed parallel processing, and analyzes data through data mining (40) Through the process, the financial information data is diagnosed and predicted (50) and the diagnosed/predicted data is visualized (60) to proceed with the service.

3 is a flowchart illustrating an embodiment of proceeding with the personal information consent of FIG. 1. Referring to FIG. 3, the life finance health examination service system according to the present embodiment performs personal information evaluation (L12) according to user requested information, and then, when personal information is activated, obtains a personal ID with personal information consent (L14). Then, through the data processing step (L15), the financial institution (L13) requests personal information credit information (L16), and the financial institution responds to personal credit information (L17) and sends P2B access information to the customer (L11). Will be delivered. At this time, data is transmitted and received between the individual and the financial institution in real time.

FIG. 4 is a flowchart illustrating an embodiment of the data processing process of FIG. 1. Referring to FIG. 4, the life finance health examination service system according to the present embodiment shows the data processing process from the customer's login 21 to the visualization step 61. When the user login proceeds, the analysis request step 31 Personal data is analyzed and the analyzed data is deliberate (41) according to the individual requirements.The deliberation process analyzes the type of collection according to the requested information and connects the purchase of public institution data (45) or financial institutions. (42), the structured data and the unstructured data are collected/linked (43) and transferred to the data analysis/diagnosis (51) step. In the analysis/diagnosis stage, unstructured data is standardized, and debt risk, retirement risk, credit risk, insurance risk, etc. are schematically displayed through the personal financial life prediction step 52 using big data.

5 is an embodiment showing the risk of personal life finance through the life finance health examination service system. In the life finance health examination service system, the risk of individual income, expenditure, credit, old age, debt, welfare, savings, tax, housing, etc. is standardized and converted into average score.

6 is a graph showing an embodiment of data visualization of FIG. 1. Figure 6 is based on personal information data (income, expenditure, credit, old age, debt, welfare, savings, tax, housing, etc.) through the life finance health examination service system, divided into normal stage, alert stage, risk stage, etc. Debt rate, savings rate, retirement preparation rate, consumption expenditure rate, premium expenditure rate, credit rating, income segment, debt burden rate, and living rate are shown in graphs.

7 is a graph showing an embodiment of data visualization of FIG. 1. 7 is a graph showing savings, old age, expenditure, risk credit, financial institutions, expenditure means, insurance, etc. of personal information data through the life finance health examination service system in a ratio.

FIG. 8 is a diagram illustrating an embodiment of a requirement analysis for the functional design of FIG. 2. Figure 8 shows the requirements necessary for designing a life finance health examination service system. Individual customers, managers, counseling centers, basic counselors, professional counselors, RMs, savings of personal information data, old age, expenditure, risk credit, Financial institutions, means of expenditure, insurance, etc. are standardized as a ratio and expressed as a graph.

9 is a table showing an embodiment of the analysis of requirements for the functional design of FIG. 2. 9 shows the requirements necessary to design the life finance health examination service system, and shows the initial login requirements for individual customers.

10 is a table showing an embodiment of the analysis of requirements for the functional design of FIG. 2. 10 shows the requirements necessary to design the life finance health examination service system, and shows the requirements for managing the counseling history.

The life finance health diagnosis service system of the present invention supports the financially vulnerable class or financially blind person (neglected person) to conduct wise economic activities through personal life finance diagnosis/prediction/counseling, and also checks the financial risk of companies. Thus, it is possible to support individuals and companies to improve their financially vulnerable sectors.

10: terminal login progress
11~13: Terminal
14: wired/wireless network
15: Communication Department
16: authentication department
17: data processing
18: data visualization
20: Functional design for requirements
30: Data linkage of public institutions and financial institutions
31: Request for data analysis
40: Data collection/deliberation/analysis/purification
41: data review
42: Purchase/Link Data
43: data collection/linkage
44: data agent
45: Public data use center
50: Data diagnosis/prediction
51: data analysis/diagnosis
52: data prediction
60: data visualization

Claims (3)

As a life finance diagnosis consulting service system for the financially underprivileged using natural language and big data, it is based on big data machine learning by collecting personal data, public data, and purchase data according to the personal information consent signal from the user terminal connected through the network. A system that supports individual financial health diagnosis services through data analysis, diagnosis, and prediction. As a life finance diagnosis consulting service system for the financially underprivileged using natural language and big data, the system is connected to each other by establishing a shared supplement system using functional design based on customer requirements and data from public and related organizations. System that secures the data. In claim 1, the final product of the system supporting the financial health diagnosis service is visualized and displayed as a chart or graph.

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