WO2019107577A1

WO2019107577A1 - System for providing customized financial consulting service on basis of financial consumer's asset information collected through open apis

Info

Publication number: WO2019107577A1
Application number: PCT/KR2017/013671
Authority: WO
Inventors: 강신영
Original assignee: (주) 더재무컨설팅
Priority date: 2017-11-28
Filing date: 2017-11-28
Publication date: 2019-06-06
Also published as: KR20190061611A; KR102046557B1

Abstract

The present invention relates to a system for providing a customized financial consulting service on the basis of a financial consumer's asset information collected through open APIs. More specifically, the present invention relates to a system for providing a customized financial consulting service on the basis of a financial consumer's asset information collected through open APIs, the system being capable of: minimizing the inconvenience of direct input by a financial consumer by retrieving asset and finances-related information of the financial consumer through the open APIs provided from financial institutions such as banks, securities companies, the Financial Supervisory Service and the National Tax Service; recommending customized financial products by analyzing the tendencies of the financial consumer through a survey by which financial tendencies and non-financial tendencies of the financial consumer can be analyzed; and providing a more specialized and customized financial consulting service by searching for a financial planner matched according to an exposed item of the financial consumer for each finances-related field and matching the financial planner with the financial consumer.

Description

Providing customized financial consulting services based on asset information of financial consumers collected through open API

The present invention relates to a system for providing a customized financial consulting service based on asset information of a financial consumer collected through an open API. More specifically, the open API provided by financial institutions such as banks, brokerage firms, financial supervisory agencies, and the National Tax Service calls financial and financial information of financial consumers, minimizes the hassle of financial consumers, By analyzing the propensity of financial consumers to analyze the tendency of non-financial propensity, it is recommended to recommend customized financial products, and by searching financial agents who match according to items exposed by financial sector, And more particularly, to a system for providing customized financial consulting services based on asset information of financial consumers collected through an open API that provides specialized and customized financial consulting services.

In general, financial management refers to the management function that can rationally procure the funds needed by the company to efficiently operate the company, and to efficiently invest the funds to be invested in the asset. In recent years, I am paying a great deal of attention to how I can effectively manage and multiply my assets.

However, in order to manage their finances, the general public should construct a portfolio of financial assets through various analyzes based on their specialized knowledge on financial situation and financial design. The following are some difficulties, since the various risk factors and parameters must be considered, both internally and externally.

Therefore, the majority of individuals are engaged in financial planning after consulting directly with financial planners to manage their assets.

However, since the conventional financial management method requires the customer to directly input or provide the asset information in the process of transmitting the information to the financial planner, it is difficult to perform accurate financial management due to the information being distorted or missing. There is a problem that it is difficult to perform accurate and customized financial management because the financial management is performed without any pre-analysis such as whether the financial management is performed for a certain goal or what kind of financial propensity is present.

Prior Art Document: KR Patent Registration No. 0760062 (published on September 18, 2007)

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems. In particular, the present invention invites financial and financial information of a financial consumer through an open API provided by a financial institution such as a bank, a securities company, This is done by analyzing the financial and non-financial propensity of the user, searching for financial planners specialized in the field of interest counseling by exposing the interest counseling field, and matching them The object of the present invention is to provide a customized financial consulting service provision system based on asset information of financial consumers collected through an open API that can provide a more specialized and customized financial consulting service.

To provide the customized financial consulting service providing system based on the financial information of the financial consumer collected through the open API according to the present invention, A service server for collecting financial information by collecting and storing financial information of a consumer, a service server for matching the financial consumer with a financial planner, and enabling the financial planner who has completed the matching to inquire asset information of the matched financial customer; Analysis of propensity for financial propensity and non-propensity tendency analysis Financial consumer terminal that can apply for matching of financial planners to a service server by exposing questionnaires and topics related to finance related fields and receive customized financial consulting service from matched financial plan; The financial consultant field and the finance related certificate is registered and based on the registered information, the financial information of the financial consumer which is matched with the one or more financial consumer terminals is displayed and the financial information of the financial consumer is displayed. Based on the inquired financial information, And a financial consulting terminal for performing customized financial consulting.

In addition, the financial consumer terminal is provided with a questionnaire item for analysis of financial propensity and a questionnaire item for analysis of non-financial propensity. In accordance with the questionnaire item, an item of propensity analysis table is inputted according to the individual tendency of the financial consumer, A financial / non-financial propensity analysis input module for analyzing and presenting types according to investment propensity of financial consumers; A module for selecting an interest area for selecting information to be exposed to financial planners by selecting a financial interest field to be consulted by financial sector; If a financial customer enters a financial counseling field that he or she wishes to consult, he or she extracts a financial planner who matches the specialist field of the financial planner based on the input information, selects one of the extracted financial planners, A financial planner matching application module for sending a signal so that financial customers can receive consulting services; A financial instrument interest rate calculating module that obtains financial product information from a plurality of financial institution open APIs, receives information on savings and loan interest rates, and calculates interest rate information based on asset information of financial consumers; A customized financial product recommendation module that recommends customized financial products by analyzing the financial propensity and non-financial propensity of financial consumers based on the values input by the financial / non-financial propensity input module; A financial goal setting module that enables financial consumers to set their own financial goals, when and when they need them, and the required funds; A financial status table generation module for fetching balance inquiry data of a financial consumer in conjunction with a financial institution API of a financial consumer and generating a financial status table; And a cash flow chart generation module for generating a cash flow chart for fetching transaction history inquiry data in conjunction with a financial institution API of a financial consumer and obtaining a financial customer's income and expenditure flow for a certain period of time.

In addition, the financial design terminal uses a matching determination module to determine acceptance and rejection when a matching signal request for financial consulting application is transmitted from a financial customer. A financial information request module that receives financial information by requesting financial information of a financial consumer connected with a financial planner to a service server; If the financial planner has achieved financial goals among the financial consumers that it currently manages, or if the debt ratio exceeds a certain value, or if the financial target is changed by the platform including the child's birth or retirement age, A financial information change notifying module for listing consumers and transmitting changed information to a financial consumer terminal; Financial information including financial statement, cash flow statement, financial goal, and debt ratio of financial customers is automatically entered and displayed, financial consulting is performed based on the financial information, and the consulting contents are prepared as a financial design report, A financial management module for transmitting the data to the terminal; And financial reporting modules that automatically generate tax, investment, and liabilities by generating financial information for financial consumers to use in financial consulting.

According to the present invention, the open API provided by financial institutions such as banks, brokerage firms, financial supervisory agencies, and the National Tax Service can invite financial consumers' financial and asset information to minimize the hassle of input by financial consumers This has the effect of minimizing the input information.

According to the present invention, a personalized financial product is recommended by analyzing a tendency of a financial consumer through a questionnaire that can analyze financial propensity and non-financial propensity of a financial consumer, It is effective in enabling more specialized and customized financial consulting services by searching for matching financial planners and matching them.

FIG. 1 is a block diagram of a system for providing financial consulting services through asset analysis of financial customers according to a preferred embodiment of the present invention.

The system for providing customized financial consulting service based on the asset information of the financial consumers collected through the open API according to the present invention is a system for providing financial information and financial information of a financial consumer in cooperation with a plurality of financial institution open APIs including a bank and a securities company A service server for collecting and storing financial information and matching the financial consumer and the financial planner so that the matched financial planner can inquire the matching financial information of the financial customer; Analysis of propensity for financial propensity and non-propensity tendency analysis Financial consumer terminal that can apply for matching of financial planners to a service server by exposing questionnaires and topics related to finance related fields and receive customized financial consulting service from matched financial plan; The financial consultant field and the finance related certificate is registered and based on the registered information, the financial information of the financial consumer which is matched with the one or more financial consumer terminals is displayed and the financial information of the financial consumer is displayed. Based on the inquired financial information, And a financial consulting terminal for performing customized financial consulting.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, the preferred embodiments of the present invention will be described below, but it is needless to say that the technical idea of the present invention is not limited thereto and can be variously modified by those skilled in the art.

A system 1000 for providing a customized financial consulting service based on asset information of a financial consumer collected through an open API according to a preferred embodiment of the present invention includes a bank, a securities company, a financial supervisory agency, , The financial information of the financial consumer is called in real time and collected, and the collected financial information can be inquired through the financial consumer terminal (100) or the financial designer terminal (200) .

For example, through the open API provided by the bank open platform, financial information can be collected using at least one of financial customer's balance inquiry, transaction history inquiry, account real name inquiry, deposit / withdrawal transfer, user authentication, and management API.

In the open platform of securities firms, data and services about financial companies, related organizations, and pin tech companies are provided as open APIs, and financial information can be collected through the corresponding open APIs.

In addition, the Financial Supervisory Service's open platform also provides periodic savings products, savings products, pension savings products, mortgage loans, charter loan products, and personal credit loan product APIs. have.

In addition, it is possible to collect income deduction certification information through the simplified service of the National Tax Service, more specifically, an API for forgery verification that can verify whether a forgery or falsification of an issued income deduction certificate is issued, And an API for extracting data included therein may be provided.

Referring to FIG. 1, a system 1000 for providing a customized financial consulting service based on asset information of financial customers collected through an open API according to a preferred embodiment of the present invention includes a service server 100, a financial consumer terminal 200, and a financial designer terminal 300.

The service server 100 is connected to a plurality of financial institute open APIs including a bank and a securities company to provide financial information such as periodic deposits, savings, pension savings, mortgages, chartered funds, It collects and stores financial information by calling information, and matching the financial planner according to the request of the financial consumer, so that it can inquire the information of the financial consumer whose matching is done only for the matched financial designer.

More specifically, the service server 100 manages information of a financial consumer and a financial planner accessing a service, receives a financial planner matching request signal from the financial consumer terminal 200, (Financial designers and financial consumers) according to the financial customer matching acceptance of the financial design using terminal 300 and provides a matching completion notice from the financial design using terminal 300 If a matched financial consumer requests information retrieval, it can query the matching financial consumer's asset information.

For this purpose, the service server 100 collects and stores financial information of each financial consumer by receiving the financial information of the financial consumer from an open platform of a plurality of financial institutions such as the National Tax Service, the securities company, the bank, and the financial supervision right.

The financial consumer terminal 200 is a terminal used by a financial customer (customer) who needs financial consulting. The terminal 200 inputs a propensity analysis questionnaire for analyzing financial propensity and non-propensity propensity, exposes an item of interest for each financial field, ) To send a request for a financial planner matching request and receive a customized financial consulting service from a matched financial planner.

The financial consumer terminal 200 inputs a tendency analysis questionnaire for analysis of financial propensity and non-financial propensity and correlates with a plurality of financial institute open API including a bank and a securities company to collect information on assets and periodic deposits, savings, It allows you to retrieve your financial information, including mortgage loans, chartered funds, and personal credit information.

More specifically, the financial consumer terminal 200 includes a membership subscription module 210, a personal information input module 212, a financial / nonfinancial propensity analysis site input module 214, an interest area exposure selection module 216, A financial statement table matching module 224, a financial article interest rate calculating module 226, a customized financial product recommendation module 228, A pension information providing module 230, and a financial support product interest rate calculating module 232. The above modules are implemented as an application in the financial consumer terminal 200.

Hereinafter, the membership subscription module 210 will be described.

The membership subscription module 210 performs membership of a financial consumer.

The personal information input module 212 allows the financial consumer to input basic information such as the name, nickname, date of birth, sex, occupation, expected life expectancy, and estimated retirement age of the financial consumer connected through the financial consumer terminal 200.

The financial / non-financial propensity analysis paper input module 214 exposes questionnaire items for financial propensity analysis and questionnaires for non-propensity propensity analysis. According to the questionnaire items, items for propensity analysis are inputted according to individual propensity of financial consumers And the total score of the input value is calculated, and the type according to the investment propensity of the financial consumer is analyzed and presented.

For example, the financial / non-financial propensity analysis paper input module 214 calculates the financial / non-financial propensity analysis paper input module 214 based on the current age, investment experience, available investment period, knowledge about financial products, loss level at the time of loss of principal investment, , The survey items for non-financial inclusion analysis including the questionnaire items for the financial propensity analysis, the opinions on the liabilities, the investment considerations, the expenditure psychology, the family and the aging matters are exposed. Therefore, the financial consumer should select the item presented in the questionnaire according to his / her tendency.

The service server 100 calculates the total score based on the value input by the financial / non-financial inclination analysis sheet input module 214 and calculates the total score based on the investment inclinations (for example, highly stable, stable pursuit type, Active investment type, and aggressive investment type) and propose financial products suitable for investment tendency.

The interest area exposure selection module 216 selects and exposes financial interest areas to be consulted by the finance field. The interest field exposure selection module 216 is a module for selecting whether to disclose information of financial consumers for linking financial consumers and financial planners. For example, exposure items may include financial interest areas such as investment, insurance, taxes, inheritance, and retirement.

The financial goal setting module 218 allows financial consumers to set their own financial goals, when and when they need them, and the necessary funds and reserves.

For example, for financial consumers who want to buy a car within three years, the financial goal item is 'purchase car', the required item is '36 months ', the required money is' 20 million won ', and the preparation money is' You can register.

The financial goal setting module 218 allows the financial consumer to directly input and set the financial goals and timing required by the financial consumer, thereby clearly establishing the financial goal of the financial consumer himself or herself, Allow the plan to run.

In addition, when the achievement rate of the financial goal set by the financial goal setting module 218 becomes higher than the target by a certain percentage (percentage), an alarm is sent and the target achievement rate can be managed by itself.

The financial state table generation module 220 fetches the balance inquiry data of the financial consumer in conjunction with the financial institution API that the financial consumer trades, and generates a financial state table through predetermined processing. The statement of financial position is intended to identify the status of assets and liabilities at a particular point in time and allows them to analyze the level of debt and net assets, and the availability of emergency funds compared to the total assets of financial consumers.

The cash flow table generation module 222 generates a cash flow chart so as to obtain transaction history inquiry data in cooperation with a financial institution API transactioned by a financial consumer and to process the predetermined process to identify the flow of the financial consumer's income and expenditure for a predetermined period of time do. For example, fixed income expenditures such as communication expenses, education expenses, living expenses, fixed expenses such as taxes, insurance, automobile installments, and savings and investment items such as personal pension and periodic gold can be generated.

The financial planner matching application module 224 allows a financial customer to input financial counseling fields to be consulted, to select exposure items for financial related fields, and to request a financial planner matching application. The service server 100 selectively extracts a financial planner who matches the financial counseling field of the financial consumer with his / her field of expertise based on the input information.

At this time, the service server 100 may select any one of the financial planners selected from the list of proposed financial planners and send a request signal for matching request, so that the financial customer may select a financial planner and receive a consulting service.

The financial product interest rate calculating module 226 fetches financial product information from a plurality of financial institutions (for example, Financial Supervisory Service) open APIs, receives savings and loan interest rates, and calculates the interest rate by applying the interest rate.

Also, the financial product interest rate calculation module 226 is provided with financial products related to periodic deposits, savings, pension savings, mortgage loans, chartered funds, personal credit loan information, etc. for each financial institution (bank, , More specific product information (subscription method, subscription target, saving period, interest rate after expiry, preferential conditions, etc.) can be provided.

In addition, the financial product interest rate calculation module 226 allows the financial consumer to selectively search for financial information by selectively setting the conditions of the financial product required by the financial consumer. For example, a financial consumer looking for a six-month short-term gold would be rearranged and sorted in financial product order that matches the conditions set by the financial consumer if the user chooses the basic interest rate / preferential interest rate for six months during the subscription period.

The customized financial product recommendation module 228 analyzes the financial propensity and non-financial propensity of the financial consumer based on the value input by the financial / non-financial propensity input module 214 to recommend the customized financial product.

The pension information providing module 230 is connected with the pension portal system of the Financial Supervisory Service and provides the pension information (national pension, retirement pension, personal pension, public employee pension, housing pension, etc.)

In addition, if the pension information providing module 230 uploads the file downloaded from the pension portal system to the financial consulting service according to the present invention, the estimated amount of receipt of the actual pension to be received by the financial consumer and the amount (The number and the number of years of pension use according to the amount of expenditure). At this time, when the pension information is calculated, it is possible to calculate the actual value pension by reflecting the inflation rate.

The financial support product interest rate calculation module 232 retrieves the financial support services including the deposit, the savings, the secured loan, the chartered fund, the pension loan, and the credit loan from the open API of the Financial Supervisory Service so as to calculate the interest rate for each support system do.

The financial customer terminal 200 may further include a financial calculator function for automatically generating savings, pensions, education expenses, and debts by generating the financial information of the savings amount as its own financial information. The financial calculator is provided with a savings calculator that calculates based on the savings amount, a savings calculator that calculates based on the target amount, a pension calculator that calculates the savings amount and the receipt amount on a basis of each, an education cost calculator and a debt calculator, May selectively activate an appropriate calculator according to the item to be calculated.

In addition, when the application of the financial consumer terminal 200 is activated, the main screen displays information on the financial consumer's assets, debt status, income and expenditure status, maximum interest rate (savings), minimum interest rate (loan) Is provided so that the overall asset status can be confirmed.

The terminal 300 for financial design use is a terminal used by a financial designer who understands the financial situation of financial consumers and supports appropriate financial and asset design and provides consulting suitable for financial consumers such as financial products. The financial information is received from a financial consumer associated with one or more financial consumer terminals based on the registered information, and the personal financial consulting is performed.

More specifically, the financial design terminal 300 includes a membership subscription module 312, a specialty registration module 314, a matching determination module 316, a financial information request module 318, a financial information change notification module 320, A financial management module 322, a financial calculation module 324, and an expert consulting module 326. The above modules are implemented as an application in the financial design using terminal 300.

The membership subscription module 312 performs membership of the financial designer. At this time, at the time of joining the membership, after registering the supporting document for certifying the qualification, the service server 100 allows the subscription authentication to be performed.

The special field registration module 314 is a module for registering the history of the financial planner and each field of specialization, and can register and modify professional related qualifications and various histories.

Upon receiving a matching request signal for financial consulting application from a financial consumer, the matching determination module 316 browses the information including the financial target and the contact information of the financial consumer to decide whether to accept or reject the consulting. The financial planner may receive a financial consulting matching request signal from a plurality of financial consumers from the matching determination module 316. [

The financial information request module 318 requests the financial information of the financial consumer associated with the financial planner to the service server 100 to receive the financial information. At this time, the financial information requested may be applied to the financial condition, cash flow, financial ratio, etc. of financial customers.

The financial information change notification module 320 is a module that notifies the financial planner of the fact that the financial planner has achieved financial goals among the financial consumers currently managed, or that the debt ratio exceeds 100%, or the financial target set by the platform such as the child's birth, retirement age, And list financial customers who are managed and matched when the financial goals are achieved, and notify financial customer terminal 200 of the changed matters by PUSH so that financial consumers can recognize the financial consumers.

In addition, the financial information change notification module 320 may notify the second notification when the debt ratio exceeds the threshold of the financial target determined by the platform even after a certain period of time from when the first notification is made to the financial consumer terminal 200 Alternatively, it may be dispatched.

The financial management module 322 automatically displays financial information including a financial status table, a cash flow statement, a financial target, and a debt ratio of a financial customer, and performs financial consulting based on the financial information. And transmits the design report to the financial consumer terminal. The financial design report may be sent once per quarter.

In addition, when the financial consumer module 322 uploads the securities held by the financial consumer, the financial management module 322 may analyze the guarantee details of the financial consumer based on the uploaded contents and reflect the information in the financial design report.

In addition, the financial management module 322 may analyze the guarantees of the financial consumers based on the contents uploaded by the financial customer when the insurance information is downloaded from the Korea Credit Information Agency and uploaded the insurance certificate to the financial design report.

In addition, the financial management module 322 may be various forms such as SNS, mail, and the like, and may notify the financial consumer terminal 200 of the consulting time when SNS consultation with a financial consumer is performed.

The financial calculation module 324 generates financial information of a financial consumer for use in financial consulting so as to automatically calculate taxes (inheritance tax, gift tax, capital gains tax, comprehensive income tax, year-end settlement), investment, and interest rate. The financial calculation module 324 selectively activates a calculator necessary for various financial calculations.

For example, when calculating the transferable income, a tax calculator is created and the transferred income is automatically calculated by inputting the items such as the type of transferable asset, the holding period, the name of the transferred asset, the taxable status, and the acquisition price. Also, at the time of calculating the debt, the reimbursement amount is automatically calculated every month by inputting the items such as the name of the debt, the principal, the repayment period, the interest rate, and the repayment method. Also, at the time of saving calculation, the savings amount is automatically calculated every month by inputting items such as saving type, financial product name, saving purpose, target amount, saving period, isolation / compounding, interest rate. In addition, when calculating the pension, the estimated pension receipt amount is automatically calculated by inputting items such as the current financial consumer's age, retirement age, monthly savings, saving period, holding period, return on investment, inflation rate, investment and inflation rate. Also, when calculating the cost of education, the amount of monthly savings for the tuition fee of the child is automatically calculated by inputting the age of the child, the remaining time to the university, the return on investment, the rate of increase in education expenses, the return on investment and education,

The expert consulting module 326 is a module for consulting financial consultants to consult with experts in each field (for example, a tax accountant, an attorney in charge, an attorney in law, a lawyer, etc.) It is possible to select one or more experts in each field recommended by the service server 100 to request consultation. When a financial planner receives an answer from an expert in each field regarding the request for consultation, an alarm is sent to the financial design terminal 300 so that the party can recognize it.

It will be apparent to those skilled in the art that various modifications, substitutions and substitutions are possible, without departing from the scope and spirit of the invention as disclosed in the accompanying claims. will be. Therefore, the embodiments disclosed in the present invention and the accompanying drawings are intended to illustrate and not to limit the technical spirit of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments and the accompanying drawings . The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

Claims

And financial institutions, including financial institutions, banks, and brokerage firms. In addition, financial information is collected and stored by financial information of financial consumers, and financial customers are matched with financial planners. A service server for allowing a financial consumer to view asset information;

Analysis of propensity for financial propensity and non-propensity tendency analysis Financial consumer terminal that can apply for matching of financial planners to a service server by exposing questionnaires and topics related to finance related fields and receive customized financial consulting service from matched financial plan;

The financial consultant field and the finance related certificate is registered and based on the registered information, the financial information of the financial consumer which is matched with the one or more financial consumer terminals is displayed and the financial information of the financial consumer is displayed. Based on the inquired financial information, Financial consulting terminal for customized financial consulting

Which is based on asset information of financial consumers collected through open API.
The method according to claim 1,

Financial consumer terminals

The questionnaire items for the financial propensity analysis and the questionnaire items for the non-financial propensity analysis are exposed. According to the questionnaire items, the item of the inclination analysis table is inputted according to the individual tendency of the financial consumer, and the total value of the input value is calculated, Financial / non-financial propensity analysis input module that analyzes and presents types according to investment propensity of investors;

A module for selecting an interest area for selecting information to be exposed to financial planners by selecting a financial interest field to be consulted by financial sector;

If a financial customer enters a financial counseling field that he or she wishes to consult, he or she extracts a financial planner who matches the specialist field of the financial planner based on the input information, selects one of the extracted financial planners, A financial planner matching application module for sending a signal so that financial customers can receive consulting services;

A financial instrument interest rate calculating module that obtains financial product information from a plurality of financial institution open APIs, receives information on savings and loan interest rates, and calculates interest rate information based on asset information of financial consumers;

A customized financial product recommendation module that recommends customized financial products by analyzing the financial propensity and non-financial propensity of financial consumers based on the values input by the financial / non-financial propensity input module;

A financial goal setting module that enables financial consumers to set their own financial goals, when and when they need them, and the required funds;

A financial status table generation module for fetching balance inquiry data of a financial consumer in conjunction with a financial institution API of a financial consumer and generating a financial status table; And

A cash flow chart generation module for generating a cash flow chart for fetching transaction history inquiry data in cooperation with a financial institution API of a financial consumer and obtaining a financial customer's income and expenditure flow for a predetermined period of time;

Which is based on asset information of financial consumers collected through open API.
The method according to claim 1,

Using financial design terminal

A matching determination module for determining acceptance and rejection when a matching signal request for financial consulting application is transmitted from a financial customer;

A financial information request module that receives financial information by requesting financial information of a financial consumer connected with a financial planner to a service server;

If the financial planner has achieved financial goals among the financial consumers that it currently manages, or if the debt ratio exceeds a certain value, or if the financial target is changed by the platform including the child's birth or retirement age, A financial information change notifying module for notifying a consumer of a changed item and sending a notification message to a financial consumer terminal

A financial information change notification module that lists financial consumers included in the overfunded range among the financial consumers currently managed by the financial planner and displays the target usage amount and the usage amount and displays it;

Financial information including financial statement, cash flow statement, financial goal, and debt ratio of financial customers is automatically entered and displayed, financial consulting is performed based on the financial information, and the consulting contents are prepared as a financial design report, A financial management module for transmitting the data to the terminal; And

Financial accounting module that automatically generates tax, investment, and liabilities by generating financial information of financial consumers for use in financial consulting

Which is based on asset information of financial consumers collected through open API.