TW202303501A - Method, computer device, and computer program to provide financial product with combined share function - Google Patents

Abstract

The invention discloses a method for providing a financial product with a combined shared function, a computer device and a computer program. The method of providing financial products may include: a transmission step of transmitting relevant contents of the above-mentioned financial products published as posts on a social network service platform based on a user request, to the above-mentioned social network service platform; a receiving step of receiving at least one other user's activity information of the above posts containing the above contents from the above-mentioned social networking service platform; and a displaying step of displaying the details of the above user based on the above activity information. The computer device includes at least one processor which is able to operate a plurality of computer readable commands stored in the memory.

Description

Method for providing financial products, computer device, and computer program combining common functions

The following description relates to the technology used to provide financial services on social network services (SNS, social network service).

As an open online platform, social media enables individuals to share their ideas, opinions, experiences, information, etc. based on social network services, thereby establishing and broadening relationships with others. This kind of social media realizes the interactive relationship between production and consumption by forming a mutually beneficial relationship between users, rather than a unilateral relationship, so that users voluntarily participate and share content.

As such, social networking services have been widely used in a wide range of social fields for the purpose of sharing information among groups with common interests as they spread throughout society.

In the financial field, online banking services or fast payment services are provided through social networking services. For example, the technology disclosed in Korean Laid-Open Patent No. 10-2014-0003270 (publication date: January 9, 2014) enables users who use social network service instant messaging software to Handle banking transactions between users in a timely manner.

The problem to be solved by the invention

The object of the present invention is to provide a method for providing financial products combined with a shared function, a computer device, and a computer program that can automatically share content corresponding to the content of creation on a social networking service when a financial product is created. 's post,

Additional interest rates may be offered on corresponding financial instruments when posting-related activity on social networking services meets target conditions.

A profile picture of a user with a history of posting-related activity on the social networking service may be displayed in the details of the corresponding financial instrument.

Subsequent posts of relevant content may be automatically shared on the social networking service when a challenge for a financial instrument is completed or when a challenge for a financial instrument expires.

technical means to solve problems

The method for providing financial products provided by the present invention is executed by a computer device, and the computer device includes at least one processor for executing a plurality of computer-readable instructions stored in a memory. The method for providing financial products includes: a transmission step, following Based on the user's request to open an account for a financial product, the above-mentioned at least one processor transmits to the above-mentioned social network service platform the relevant content of the above-mentioned financial product published as a post on the social network service platform; the receiving step, through the above-mentioned at least A processor, receiving activity information of at least one other user on the above-mentioned post containing the above-mentioned content from the above-mentioned social network service platform; and a display step, by the above-mentioned at least one processor, displaying the details of the above-mentioned account based on the above-mentioned activity information.

According to an embodiment, the above-mentioned displaying step may include a step of displaying the avatars of the above-mentioned other users who have an activity history with respect to the above-mentioned posts in the details of the above-mentioned account.

According to yet another embodiment, the displaying step may include a step of displaying the challenge progress status of the financial product based on the activity information in the details of the account.

According to still another embodiment, the above-mentioned displaying step may include a step of providing a reminder to the above-mentioned account based on the progress status of the challenge of the above-mentioned financial product.

According to another embodiment, the above-mentioned method for providing financial products may further include an execution step of performing target authentication on challenges set by the above-mentioned financial products based on the above-mentioned activity information by the above-mentioned at least one processor.

According to yet another embodiment, the above-mentioned executing step may include the step of providing preferential interest rates to the above-mentioned account when the above-mentioned activity information reaches the challenge target condition of the above-mentioned financial product.

According to yet another embodiment, the above-mentioned preferential interest rate may be a graded interest rate determined based on the above-mentioned activity information.

According to yet another embodiment, the method for providing a financial product may further include the following step: when the activity information reaches the challenge target condition of the financial product, using the at least one processor to transmit to the social network service platform the result of reaching the challenge And as a follow-up post published content.

According to yet another embodiment, the method for providing financial products may further include the step of, when the account expires, using the at least one processor to transmit the content published as a follow-up post due to expiration to the social network service platform .

According to yet another embodiment, the above-mentioned transmitting step may include a step of determining the above-mentioned content for the above-mentioned account based on the account opening purpose set by the above-mentioned user.

The computer program provided by the present invention is stored in a computer-readable recording medium in order to cause the above-mentioned computer device to execute the above-mentioned method for providing financial products.

The computer device provided by the present invention includes at least one processor for executing a plurality of computer-readable instructions stored in the memory, and the at least one processor includes: a content transmission unit that opens an account for a financial product based on a user request, Transmit to the above-mentioned social network service platform the relevant content of the above-mentioned financial commodity published as a post on the social network service platform; the event information receiving unit is used to receive from the above-mentioned social network service platform at least one other user’s response to the above-mentioned content The activity information of the above-mentioned post; and the detail display part displays the details of the above-mentioned account based on the above-mentioned activity information.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

Embodiments of the invention relate to techniques for providing financial services related to social networking services.

In this specification, the specific disclosed embodiments can provide financial products combined with common functions by connecting social network service platforms.

In multiple embodiments of the present invention, the system for providing financial products can be realized by at least one computer device, and the method for providing financial products in the embodiments of the present invention can be executed by at least one computer device included in the system for providing financial products. In this case, the computer program of an embodiment of the present invention can be installed and run in a computer device, and the computer device can execute the financial product providing method of the embodiment of the present invention under the control of the running computer program. In order to combine with a computer device to execute the method for providing financial products in a computer, the above-mentioned computer program can be stored in a computer-readable recording medium.

FIG. 1 is a diagram showing an example of a network environment according to an embodiment of the present invention. In the example shown in FIG. 1 , the network environment includes a plurality of electronic devices 110 , 120 , 130 , 140 , a plurality of servers 150 , 160 and a network 170 . FIG. 1 is only an example for illustrating the present invention, and the number of electronic devices or the number of servers is not limited to those shown in FIG. 1 . Moreover, the network environment in FIG. 1 is only used to describe an example of the environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment shown in FIG. 1 .

The plurality of electronic devices 110, 120, 130, 140 may be fixed terminals or mobile terminals implemented by computer devices. For example, the plurality of electronic devices 110, 120, 130, and 140 are smart phones (smart phones), mobile phones, navigators, computers, notebook computers, digital broadcast terminals, personal digital assistants (PDA, Personal Digital Assistants), portable Multimedia player (PMP, Portable Multimedia Player), tablet computer (PC), etc. As an example, in FIG. 1 , an example of the electronic device 110 shows the shape of a smart phone. However, in the embodiment of the present invention, the electronic device 110 can be substantially wireless communication or wired communication and through the network 170 One of various physical computer devices that communicate with other electronic devices 120 , 130 , 140 and/or servers 150 , 160 .

The communication method is not limited thereto. In addition to the communication method of the communication network (for example, mobile communication network, wired network, wireless network, broadcast network) that the application network 170 can include, it can also include short-distance communication between multiple devices. wireless communication. For example, the network 170 may include a personal area network (PAN, personal area network), an area network (LAN, local area network), a campus network (CAN, campus area network), a metropolitan area network (MAN, metropolitan area network), a wide area network (WAN, wide area network), broadband network (BBN, broadband network) and other networks of more than one arbitrary network. Also, the network 170 may include a network topology having a bus network, a star network, a ring network, a mesh network, a star bus network, a tree or hierarchical network, etc. More than one of these, but not limited to.

The servers 150, 160 may be computer devices or multiple computer devices that provide instructions, codes, files, content, services, etc. through communication between the multiple electronic devices 110, 120, 130, 140 and the network 170, respectively. For example, the server 150 may be a system that provides services (eg, financial services) to a plurality of electronic devices 110 , 120 , 130 , 140 connected via the network 170 .

FIG. 2 is a block diagram showing an example of a computer device according to an embodiment of the present invention. The plurality of electronic devices 110 , 120 , 130 , 140 and the plurality of servers 150 , 160 described above can be respectively implemented by the computer device 200 shown in FIG. 2 .

As shown in FIG. 2 , the computer device 200 may include a memory 210 , a processor 220 , a communication interface 230 and an input/output interface 240 . The memory 210, as a computer-readable recording medium, may include non-volatile large-capacity storage devices (permanent) such as random access memory (RAM, random access memory), read-only memory (ROM, read only memory) and disk drives. mass storage device). Wherein, non-volatile large-capacity storage devices such as read-only memory and disk drive can also be included in the computer device 200 as a separate permanent storage device different from the memory 210 . Moreover, the memory 210 can store an operating system and at least one program code. A plurality of such software structural elements may be loaded into the memory 210 from a separate computer-readable recording medium other than the memory 210 . Such individual computer-readable recording media may include computer-readable recording media such as floppy disk drives, hard disks, magnetic tapes, DVD/CD-ROM drives, and memory cards. In another embodiment, multiple software components can also be loaded into the memory 210 through the communication interface 230 instead of a computer-readable recording medium. For example, a plurality of software components may be loaded into the memory 210 of the computer device 200 based on computer programs configured in a plurality of files received through the network 170 .

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

The communication interface 230 can provide a function for enabling the computer device 200 to communicate with other devices (eg, the multiple storage devices described above) through the network 170 . As an example, the processor 220 of the computer device 200 can make the requests or instructions, data, files, etc. generated by the program codes stored in the memory 210 and other storage devices be controlled by the communication interface 230 and transmitted to other devices through the network 170 . On the contrary, the computer device 200 can receive signals or commands, data, files, etc. sent from other devices through the network 170 and the communication interface 230 of the computer device 200 . Thus, signals or instructions, data, etc. received through the communication interface 230 can be transmitted to the processor 220 or the memory 210, and files, etc. can be stored in the storage medium (the above-mentioned permanent storage device) that the computer device 200 can also include. .

The input-output interface 240 may be a unit for connecting with the input-output device 250 . For example, the input device may include a microphone, a keyboard, or a mouse, and the output device may include a display, a speaker, and the like. As another example, the input-output interface 240 may also be a unit for connecting with a device that integrates input functions and output functions, such as a touch screen. The input/output device 250 may also be integrated with the computer device 200 .

Moreover, in another embodiment, the computer device 200 may also include fewer or more structural elements than those shown in FIG. 2 . However, most structural elements in the prior art need not be explicitly shown. For example, the computer device 200 may include at least a part of the above-mentioned input and output device 250 , or may also include other structural elements such as a transceiver, a database, and the like.

Hereinafter, specific embodiments of the method and system for providing financial products combined with common functions will be described.

Fig. 3 is an exemplary diagram showing structural elements that may be included in a processor of a computer device according to an embodiment of the present invention, and Fig. 4 is a flowchart showing an example of a method for providing financial products executable by a computer device according to an embodiment of the present invention picture.

The computer device 200 of this embodiment functions as a platform for providing financial services. The computer device 200 can construct a financial product provision system. The computer device 200 can provide multiple electronic devices 110, 120 as clients (clients) by accessing dedicated applications or webpages/mobile webpages related to the computer device 200. , 130, 140 provide financial services. In particular, the computer device 200 can provide financial products combined with shared functions by connecting to social network service platforms.

Moreover, in order to realize the sharing function for financial products, it is possible to manage or match user accounts by using user accounts on social network services (social network service accounts) and user accounts on financial services (financial account numbers) as integrated accounts. social network service account and financial account to share information generated between each other.

As shown in Figure 3, in order to execute the method for providing financial products shown in Figure 4, the processor 220 of the computer device 200 as the main structure may include a content transmission unit 310, an event information receiving unit 320, a target authentication unit 330, and a detailed display unit 340. According to an embodiment, the processor 220 may selectively include or exclude various structural elements of the processor 220 . And, according to an embodiment, in order to realize the functions of the processor 220, a plurality of structural elements of the processor 220 may also be separated or combined.

The above-mentioned processor 220 and multiple structural elements of the processor 220 can control the computer device 200 to execute steps S410 to S440 included in the method for providing financial products shown in FIG. 4 . For example, the processor 220 and a plurality of structural elements of the processor 220 can execute codes of an operating system stored in the memory 210 and instructions based on at least one program code.

Wherein, the multiple structural elements of the processor 220 may be expressions of different functions executed by the processor 220 based on instructions provided by the program code stored in the computer device 200 . For example, as a functional expression of controlling the processor 220 of the computer device 200 based on the above-mentioned instructions, the content transmission unit 310 can be used to make the computer device 200 transmit content related to financial commodities.

The processor 220 can read required instructions from the memory 210 loaded with instructions related to controlling the computer device 200 . In this case, the above-mentioned read instructions may include control instructions for causing the processor 220 to execute steps S410 to S440 described below.

Steps S410 to S440 described below may be performed in the order shown in FIG. 4 or in a different order, wherein a part of steps S410 to S440 may be omitted, or additional steps may also be included.

The processor 220 can provide financial products combined with shared functions by connecting to social network service platforms. In order to realize the common function of financial products, the user account on social network service (social network service account) and the user account on financial service (financial account) can be managed as a comprehensive account or matched to manage the user's social network Road service account and financial account to share information generated between each other.

Referring to FIG. 4 , in step S410 , as the financial product account is opened based on the user's request, the content transmission unit 310 may transmit the relevant content of the financial product to the social network service platform connected to the computer device 200 . In this embodiment, the financial products may include savings, deposits, loans and other financial products that apply interest rates, and in particular, may mean social viral products that share additional preferential interest rates through social networking services. As an example, a social network service can provide a view method for viewing posts through the timeline type. For financial products with a sharing function, when a user opens a new account, in order to achieve timeline sharing, The content transmission unit 310 may transmit the content of the corresponding financial product as the content published in the timeline post. In this case, the content transmission unit 310 may transmit content corresponding to the content of the financial product. Content may include images or videos about financial instruments, etc. What to post on your timeline can be based on the type of item (eg, savings, deposits, loans, etc.) or purpose of account opening (eg, travel funds, wedding funds, purchase funds, etc.). In other words, the images or videos related to financial products shared in the timeline may become different based on the content of the creation. Content may be determined in a manner customized by the social networking service platform. Content may be processed from posts posted on the social networking service, or may be delivered with a minimum of information posted on the social networking service as a post. Therefore, the content transmission unit 310 can automatically share the corresponding content as a user's timeline post by transmitting the content of the financial product created by the user to the social network service platform.

In step S420 , the activity information receiving unit 320 may receive activity information of other users' posts on the user's timeline by connecting to a social network service platform. In this case, the event information receiving unit 320 may collect reaction information set as a challenge event of a financial product created by the user (for example, like reaction, support comment input, etc.). The event information receiving unit 320 may receive event information left by other users in the content of the financial product shared as the user's timeline post. The activity information may include the activity type of the corresponding post and the avatar information set on the social network service as the activity history of other users sharing the user's timeline post.

In step S430, the target authentication unit 330 may perform target authentication on the challenge of the financial product created by the user based on other users' activity information on the user's timeline service. The target authentication unit 330 can filter and count the challenge activities set by financial products in the activity information of the timeline post. The target verification unit 330 can determine whether the activity information of the timeline post meets the challenge target condition of the financial product. For example, when more than a predetermined number of likes are obtained from the timeline post, it can be determined that the challenge target has been reached. From the time when the account is opened until the account expires, when the activity information of the timeline post meets the target condition, the target verification unit 330 can determine that the challenge is completed.

When the financial instrument matures, a predetermined base interest rate may be applied, and for accounts that complete the challenge, an additional interest rate for completing the challenge may be applied. The additional interest rate for completing the challenge can be set as a fixed value, and according to an embodiment, can be determined based on the activity information of the timeline post. For example, for an account that has received more than 10 likes, it is judged that the challenge is completed, and an additional interest rate of 2% is applied to all accounts, and an additional tiered interest rate can also be applied based on the cumulative number of likes and reactions (the 1% is applied to accounts with less than 20 likes, 2% can be applied to accounts with more than 20 likes reactions)

When a new account is opened through a link contained in a timeline post, the target authentication unit 330 may reflect it as a challenge participation activity between the post user and the account opening user. For example, when user B who enters through user A's timeline post opens a new account for the same financial product, both user A and user B's likes and reactions to the challenge activity will automatically increase by 1.

In step S440, the detail display unit 340 may display the social networking service avatars of other users who have activity history on the user's timeline posts in the details of the financial product opened by the user. The details display unit 340 can display the challenge progress items in the user's account details, and can also display the social networking service avatars of multiple users who have left activity history in the timeline posts. And, when the challenge is completed, the detailed display part 340 may display the content about the interest rate in the account details.

Further, the content transmission unit 310 may transmit a sticky request for exposing the timeline post of the financial commodity to the social network service platform. For financial product accounts that have not reached the challenge target, the content transmission unit 310 can remind the timeline post of the corresponding financial product by requesting to be topped before the specified time of the expiry benchmark or every specified period.

Moreover, when the financial product opened by the user satisfies the specified conditions, the content transmission unit 310 can automatically share the corresponding required relevant content on the social network service. For example, at the point in time when the financial product opened by the user reaches the challenge goal or expires, the corresponding content can be automatically shared as the user's timeline post by transmitting the relevant content to the social network service platform. As subsequent posts of the shared timeline post at the time of account opening, the content transfer unit 310 may sequentially share the timeline post of completing the challenge and the expired timeline post.

5 to 12 are diagrams illustrating examples of financial products combined with common functions according to an embodiment of the present invention.

In the following, specific embodiments will be described by taking savings as an example in financial products combined with common functions,

5 to 6 are examples of the savings opening screen 500 .

Referring to FIGS. 5 and 6 , the processor 220 may sequentially receive information required to open an account from the user through the savings opening screen 500 .

As shown in FIG. 5 , the processor 220 can receive the account name 501 , deposit period 502 , target amount 503 and other savings opening contents input by the user through the savings opening screen 500 .

During the process of opening a savings account, the processor 220 can provide the basic interest rate information 504 applicable when the savings is due and the additional interest rate information 505 applicable when the challenge is completed as the relevant interest rate information of the savings product to be opened through the savings opening screen 500 .

As shown in FIG. 6 , during the process of opening a savings account, the processor 220 may provide an interface 610 for setting account opening purposes (such as travel funds, marriage funds, purchase funds, etc.) through the savings opening screen 500 as an additional The content of the deposit opening.

When the user sets an account opening purpose through the interface 610 , the processor 220 may display an image 611 corresponding to the account opening purpose as content posted on the timeline.

The image 611 posted on the timeline post can be determined according to the account opening purpose.

If the payment date 606 , withdrawal account 607 for payment and other related input of remaining savings opening content are completed through the savings opening screen 500 , the processor 220 can open the user's savings account based on the input opening content.

7 to 10 are examples of the timeline service screen 700 .

At the time point of opening the user savings account, the processor 220 may transmit the image 611 corresponding to the purpose of opening the account to the social networking service platform.

As shown in FIG. 7 , the image 611 corresponding to the user's account opening purpose is generated from the user's timeline post 720 , so it can be displayed on the timeline service screen 700 shared by the user and friends.

The timeline post 720 may include an image 611 corresponding to the purpose of the user's account opening, and may include information about savings products for which the user has opened an account (for example, a product name, a link to open a savings account, etc.).

The timeline service screen 700 may include an interface for inputting like reactions or support comments related to the timeline post 720 . When the timeline post 720 or the corresponding interface is selected, a comment list 721 may be displayed.

Subsequently, the processor 220 can determine whether the challenge goal condition of the savings product created by the user is met by receiving the relevant activity information of the timeline post 720 . At the point in time when the relevant activity information of the timeline post 720 meets the challenge target condition, the processor 220 may transmit the challenge completion content to the social networking service platform to automatically share subsequent posts on the timeline.

Referring to FIG. 8 , when a challenge related to savings products created by the user is completed, the challenge completion reward 830 may be generated as a user's timeline post and displayed on the timeline service screen 700 .

The challenge completion reward 830 may include an interface 831 for accessing the comment catalog 721 of the timeline post 720 shared at the time of account opening.

Moreover, when the savings commodity created by the user expires, the processor 220 can transmit the savings expiration content to the social network service platform to automatically share subsequent posts on the timeline.

Referring to FIG. 9 , at the point in time when the savings product opened by the user expires, the savings maturity reward 940 can be generated as a user's timeline post and displayed on the timeline service screen 700 .

Savings maturity reward 940 may include relevant information about savings products opened by the user (for example, product name, link to create savings, etc.).

For example, as shown in FIG. 10 , when the savings maturity reward 940 is selected from the timeline service screen 700 , a reward details screen 1050 may be displayed, and in this case, the reward details screen 1050 may include a savings opening link 1051 . When the savings opening link 1051 is selected from the reward details screen 1050, the user can move to the savings opening screen 500 for opening a new account.

11-12 are examples of the account details screen 1100 .

Referring to FIG. 11 , the processor 220 may provide a savings product-related account details screen 1100 opened by the user. In this case, the account name, deposit period, target amount, account opening purpose, payment date, withdrawal account, etc. may be displayed on the account details screen 1100. 1110 and so on for deposit creation content.

The processor 220 can display the challenge progress status 1120 through the account details screen 1100 based on the relevant activity information of the timeline post 720 . The processor 220 can display the progress status of the challenge 1120 as a progress interface (progress interface) 1121 by using various forms of maps or icons, and can display the timeline post 720 related activity history with corresponding savings commodities together with the progress status of the challenge 1120 User avatar 1122.

During the process of executing the challenge of the savings product created by the user, the processor 220 may provide a challenge reminder notification according to a specified period or before a specified time before the end of the challenge.

As shown in FIG. 12 , when the activity information related to the timeline post 720 reaches the challenge target condition of the savings product opened by the user, the processor 220 may display a challenge completion notification 1230 on the account details screen 1100 . The challenge completion notification 1230 may include information about the additional interest rates that eventually apply as a result of completing the challenge.

As such, according to an embodiment of the present invention, with the creation of a financial product, content posts corresponding to the creation content can be automatically shared on social network services. Moreover, according to the embodiments of the present invention, various user experiences of financial products can be provided by linking with post-related activities on social networking services. Moreover, according to the embodiment of the present invention, the user can obtain more information without consuming additional resources by displaying the user avatar with the history of posting-related activities on the social network service in the details of the corresponding financial product .

The devices described above can be realized by hardware structural elements, software structural elements and/or a combination of hardware structural elements and software structural elements. For example, the devices and structural elements described in the embodiments can utilize processors, controllers, arithmetic logic units (ALU, arithmetic logic unit), digital signal processors (digital signal processors), microcomputers, field programmable gate arrays ( FPGA (field programmable gate array), programmable logic unit (PLU, programmable logic unit), microprocessor, or other devices that can execute and respond to instructions (instructions), etc., can be realized by at least one general-purpose computer or special-purpose computer. The processing device can execute an operating system (OS) and at least one software application program executed on the operating system. Also, the processing device can access, store, manipulate, process and generate data in response to execution of the software. For ease of understanding, although the case of using only one processing device is described, those of ordinary skill in the art to which the present invention pertains should understand that the processing device may include multiple processing elements and/or multiple types of processing elements. element. For example, a processing device may include multiple processors or a processor and a controller. In addition, other processing configurations (processing configurations) such as parallel processors (parallel processor) may also be used.

Software may include computer program (computer program), code (code), instruction (instruction) or a combination of more than one of them, capable of constituting a processing device in a manner that works as required or independently or collectively (collectively) to the processing device. The device issues commands. Software and/or data may be embodied in any type of mechanical, structural component, physical device, computer storage medium or device for the purpose of being interpreted by the processing device or for providing instructions or data to the processing device. Software may be distributed over network-connected computer systems for storage or execution in a distributed fashion. Software and data can be stored in at least one computer-readable recording medium.

The method of the embodiment can be implemented in the form of program instructions executed by various computer units and recorded on a computer-readable medium. In this case, the medium may also be temporarily stored for persistent storage, execution or downloading of computer executable programs. In addition, the medium may be one of various recording devices or storage devices or various recording devices or storage devices combined with multiple hardware, and is not limited to the media directly connected to a certain computer system, and may also be distributed on the network. media. As an example, the media may include magnetic media such as hard disks, floppy disks, and magnetic disks, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks (floptical disks), and read-only memory. Memory, random access memory, flash memory and other devices used to store program instruction language. Also, as examples of other media, there may be an application store for distributing application programs, a website that provides or distributes various other software, and recording media or storage media managed by servers or the like.

Although the embodiments have been described above by means of limited embodiments and drawings, those skilled in the art to which the present invention pertains can make various technical modifications and variations based on the above contents. For example, even if the illustrated techniques are performed in a different order than the illustrated method and/or the illustrated system, structure, device, circuit and other structural elements are combined or combined in a different embodiment than the illustrated method, or even if Suitable results can also be achieved by replacing or replacing by other structural elements or equivalent technical solutions.

Therefore, other implementation modes, other embodiments and contents equivalent to the scope of the patent application also belong to the scope of the appended patent application.

110: Electronic equipment 120: Electronic equipment 130: Electronic equipment 140: Electronic equipment 150: server 160: server 170: Network 200: computer equipment 210: memory 220: Processor 230: communication interface 240: input and output interface 250: input and output device 310: Content Transmission Department 320: Event Information Receiving Department 330: Target Authentication Department 340:Detail display part 500: Savings opening screen 501: account name 502: Deposit period 503: target amount 504: Basic interest rate information 505: Additional Interest Rate Information 606: Payment date 607: Withdrawal account 610: interface 611: Image 700: Timeline service screen 720: Timeline post 721: Comment directory 830: Challenge Completion Reward 831: interface 940: Savings Reward on Maturity 1050: Feedback details screen 1051: Savings opening link 1100: Savings opening link 1110: Savings opening content 1120: Progress status of the challenge 1121: progress interface 1122: user avatar 1230: Challenge Completion Notification S410: step S420: step S430: step S440: step

FIG. 1 is a diagram showing an example of a network environment according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an example of a computer device according to an embodiment of the present invention.

FIG. 3 is an illustration diagram illustrating structural elements that a processor of a computer device according to an embodiment of the present invention may include.

FIG. 4 is a flowchart illustrating an example of a method executable by a computer device according to an embodiment of the present invention.

FIG. 5 to FIG. 6 are illustration diagrams for explaining the opening process of a financial product combined with a common function according to an embodiment of the present invention.

FIG. 7 to FIG. 10 are illustration diagrams for explaining a financial product sharing process according to an embodiment of the present invention.

FIG. 11 to FIG. 12 are diagrams illustrating a process of providing financial product account details according to an embodiment of the present invention.

S410~S440: steps

Claims (20)

A method for providing financial products, performed by a computer device, wherein the computer device includes at least one processor for executing a plurality of computer-readable instructions stored in a memory, The method of providing financial products includes: a transmitting step of transmitting, by the at least one processor, the relevant content of the financial product published as a post on the social network service platform to the social network service platform along with opening an account of the financial product based on the user's request; A receiving step, by the at least one processor, receiving activity information of at least one other user on the post containing the content from the social networking service platform; and The step of displaying, by the at least one processor, displaying details of the account based on the activity information. The method for providing financial products according to claim 1, wherein the displaying step includes the step of displaying the avatars of the other users who have activity history for the post in the details of the account. The method for providing financial products according to Claim 1, wherein the displaying step includes the step of displaying the challenge progress status of the financial product based on the activity information in the details of the account. The method for providing financial products according to claim 3, wherein the displaying step includes a step of providing a reminder to the account based on the challenge progress status of the financial product. The method for providing financial products according to claim 1, wherein the method for providing financial products further includes an execution step of performing target authentication on a challenge set by the financial product based on the activity information by the at least one processor. The method for providing financial products according to claim 5, wherein the executing step includes the step of providing preferential interest rates to the account when the activity information reaches the challenge target condition of the financial product. The method for providing financial products according to Claim 6, wherein the preferential interest rate is a tiered interest rate determined based on the activity information. The method for providing financial products as claimed in claim 5, wherein the method for providing financial products further includes the following step, when the activity information reaches the challenge target condition of the financial product, using the at least one processor to provide services to the social network The platform transmits the content published as a follow-up post due to meeting the challenge. The method for providing financial products as claimed in claim 1, wherein the method for providing financial products further includes the following steps: when the account expires, the at least one processor transmits to the social network service platform due to expiration as a follow-up The content of the post. The method for providing financial products according to claim 1, wherein the transmitting step includes the step of determining the content for the account based on the account opening purpose set by the user. A computer program stored in a computer-readable recording medium for causing a computer device to execute the financial product providing method described in any one of Claims 1 to 10. A computer device wherein, comprising at least one processor for executing a plurality of computer readable instructions stored in memory, The at least one processor includes: The content transmission department transmits to the social network service platform the relevant content of the financial product published as a post on the social network service platform following the opening of a financial product account based on the user's request; an activity information receiving unit, configured to receive activity information of at least one other user on the post containing the content from the social network service platform; and The detail display unit displays the account details based on the activity information. The computer device according to claim 12, wherein the details display unit displays the avatars of the other users who have an activity history with respect to the post in the details of the account. The computer device according to claim 12, wherein the detail display unit displays the challenge progress status of the financial product based on the activity information in the account details. The computer device according to claim 12, wherein the at least one processor further includes a target authentication unit configured to perform target authentication on a challenge set for the financial product based on the activity information. The computer device according to claim 15, wherein, when the activity information reaches the challenge target condition of the financial product, the target verification unit provides a preferential interest rate to the account. The computer device according to claim 16, wherein the preferential interest rate is a graded interest rate determined based on the activity information. The computer device according to claim 15, wherein, when the activity information reaches the challenge target condition of the financial product, the content transmission unit transmits the content published as a follow-up post to the social networking service platform due to meeting the challenge. The computer device according to claim 12, wherein, when the account expires, the content transmission unit transmits the content published as a follow-up post due to the expiration to the social network service platform. The computer device according to claim 12, wherein, for the account, the content transmission unit determines the content based on an account opening purpose set by the user.

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