A system and method for providing a finance-related quiz service

Abstract

The present invention relates to a system and method for providing a financial-related quiz service. To this end, a system for providing a financial-related quiz service according to the present invention may include: a mobile terminal that requests a financial-related quiz service from a financial server and, in response to the request, displays a live streaming of a quiz received from the financial server; and, when the quiz service is requested, generates a financial-related quiz and an answer and explanation for the quiz using financial-related data, generates a virtual person who provides the generated quiz to a user, generates the live streaming by video synthesis and voice synthesis of the generated virtual person to the quiz, transmits the generated live streaming to the mobile terminal, and, when an answer based on the live streaming is received from the mobile terminal, provides a reward to the customer's account based on the accuracy rate of the received answer.

Description

Technology Field

[0001] The present invention relates to a system and method for providing a financial-related quiz service. Background Technology

[0002] Generally, with the widespread adoption of mobile devices, banks are developing applications installed on these devices to provide financial transactions, and users can download and install these applications on their mobile devices. Users then receive financial services through these installed applications.

[0003] Prior art 1 (Korean Published Patent Application No. 10-2014-0019506) relates to a method for accumulating points and a server for executing the same, and discloses the content of converting each of at least one transaction history in the specification into points and providing a list of gift certificates that can be purchased with the converted points to a user terminal to induce a customer's bank transaction.

[0004] However, prior art 1 detects transaction details and converts the transaction details into points, but does not provide a quiz to improve the customer's financial knowledge and does not provide points when the customer answers correctly.

[0005] As such, conventionally, financial transactions were merely provided through applications, and financial quiz services were not provided, nor was a predetermined amount of money provided to the customer as a reward when the customer answered correctly.

[0006] Furthermore, conventional quiz services provided static content requiring human intervention to manually create quizzes, posted quizzes on a site, or involved the inconvenience of humans generating questions and verifying answers; moreover, they were based only on general content or knowledge and failed to include specialized knowledge in specific financial fields.

[0007] Therefore, there is a need for technology that allows banks to utilize financial marketing tools and improve customers' financial knowledge by providing financial quizzes to users and depositing a certain amount into their accounts upon correct answers. Prior art literature

[0008] Korean Published Patent Application No. 10-2014-0019506 (February 17, 2014) The problem to be solved

[0009] Accordingly, the present invention provides a system and method for providing a financial-related quiz service.

[0010] In addition, the present invention provides a system and method for automatically generating quizzes in a specific financial subject area and generating and providing quizzes to a user using a Large Language Model.

[0011] In addition, the present invention provides a system and method for generating quizzes through a model specialized in the financial field.

[0012] In addition, the present invention provides a system and method for conducting a quiz service through a virtual character.

[0013] The objects of the present invention are not limited to those mentioned above, and other unmentioned objects and advantages of the present invention may be understood from the following description and will be more clearly understood by the embodiments of the present invention. Furthermore, it will be readily apparent that the objects and advantages of the present invention can be realized by the means and combinations thereof set forth in the claims. means of solving the problem

[0014] To achieve this purpose, a system for providing a financial quiz service according to one embodiment of the present invention may include: a mobile terminal that requests a financial quiz service from a financial server and, in response to the request, displays a live streaming of a quiz received from the financial server; and, when the quiz service is requested, generates a financial quiz and an answer and explanation for the quiz using financial data, generates a virtual person who provides the generated quiz to a user, generates the live streaming by video synthesis and voice synthesis of the generated virtual person to the quiz, transmits the generated live streaming to the mobile terminal, and when an answer based on the live streaming is received from the mobile terminal, provides a reward to the customer's account based on the accuracy rate of the received answer.

[0015] In addition, a method performed in a system providing a financial-related quiz service according to an embodiment of the present invention may include: a process in which a mobile terminal requests a financial-related quiz service from a financial server; a process in which, when the quiz service is requested, the financial server generates a financial-related quiz and an answer and explanation for the quiz using financial-related data; a process in which the financial server generates a virtual person who provides the generated quiz to a user; a process in which the financial server generates a live stream by video synthesizing and voice synthesizing the generated virtual person with the quiz; a process in which the financial server transmits the generated live stream to the mobile terminal; a process in which the mobile terminal displays the live stream for the quiz received from the financial server in response to the request; and a process in which, when the answer based on the live stream is received from the mobile terminal, the financial server provides a reward to the customer's account based on the accuracy rate of the received answer. Effects of the invention

[0016] According to the present invention, by providing financial-related quizzes to users and providing rewards to customers' accounts when customers answer the quiz correctly, customers can improve their financial knowledge and generate revenue, and financial institutions can utilize this as a means of customer marketing.

[0017] In addition, the present invention can automatically generate quizzes in a specific financial subject area and generate quizzes using a Large Language Model, thereby automatically generating and providing quizzes to users.

[0018] In addition, the present invention can improve customers' financial knowledge by generating quizzes through a model specialized in the financial field.

[0019] In addition, the present invention can provide a quiz service to users more intuitively by conducting the quiz service through a virtual character, and can provide real-time streaming through video and voice synthesis technology.

[0020] In addition to the effects described above, the specific effects of the present invention are described together with the specific details for implementing the invention below. Brief explanation of the drawing

[0021] FIG. 1 is an exemplary diagram showing a system for providing a financial quiz service according to one embodiment of the present invention. FIG. 2 is a flowchart illustrating the process of providing a financial quiz service according to one embodiment of the present invention. FIG. 3 is an example diagram showing a screen including a plurality of check boxes for receiving various financial information from a user according to an embodiment of the present invention. FIG. 4(a) is an example diagram showing a mobile terminal displaying a screen including a quiz according to one embodiment of the present invention. FIG. 4(b) is an example diagram showing a mobile terminal according to one embodiment of the present invention displaying a screen containing a correct answer result. Figure 4(c) is an example diagram showing a screen containing the correct answer and explanation for a quiz in a mobile terminal according to one embodiment of the present invention. FIG. 5 is a block diagram of a financial server providing a financial-related quiz service according to one embodiment of the present invention. FIG. 6 is a flowchart illustrating the process of a financial server providing a financial-related quiz service to a mobile terminal according to one embodiment of the present invention. Specific details for implementing the invention

[0022] The aforementioned objectives, features, and advantages are described in detail below with reference to the attached drawings, thereby enabling those skilled in the art to easily implement the technical concept of the present invention. In describing the present invention, detailed descriptions of known technologies related to the present invention are omitted if it is determined that such descriptions would unnecessarily obscure the essence of the invention. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

[0023] Although terms such as "first," "second," etc., are used to describe various components, it goes without saying that these components are not limited by these terms. These terms are used merely to distinguish one component from another, and unless specifically stated otherwise, the first component may also be the second component.

[0024] In the following, the statement that any configuration is placed on the "upper (or lower)" of a component or on the "upper (or lower)" of a component may mean not only that any configuration is placed in contact with the upper (or lower) surface of said component, but also that another configuration may be interposed between said component and any configuration placed on (or below) said component.

[0025] In addition, where it is stated that one component is "connected," "combined," or "connected" to another component, it should be understood that while the components may be directly connected or connected to each other, another component may be "interposed" between each component, or each component may be "connected," "combined," or "connected" through another component.

[0026] Throughout the specification, unless specifically stated otherwise, each component may be singular or plural.

[0027] Singular expressions used in this specification include plural expressions unless the context clearly indicates otherwise. In this application, terms such as "composed of" or "comprising" should not be interpreted as necessarily including all of the various components or steps described in the specification, and should be interpreted as meaning that some of the components or steps may be omitted or additional components or steps may be included.

[0028] Throughout the specification, "A and / or B" means A, B, or A and B unless specifically stated otherwise, and "C to D" means C or more and D or less, unless specifically stated otherwise.

[0029] Hereinafter, a system and method for providing a financial quiz service according to some embodiments of the present invention will be described.

[0030] FIG. 1 is an exemplary diagram showing a system for providing a financial quiz service according to one embodiment of the present invention.

[0031] Referring to FIG. 1, a system (100) providing a financial quiz service according to one embodiment of the present invention may include a mobile terminal (110) and a financial server (120) (e.g., a bank server). In addition, the mobile terminal (110) and the financial server (120) may transmit and receive data and information through a network (101).

[0032] The configuration of the system (100) shown in FIG. 1 is according to one embodiment, and the components of the system (100) are not limited to the embodiment shown in FIG. 1, and some components may be added, changed, or deleted as needed.

[0033] According to one embodiment, the portable terminal (110) may include a portable electronic device (e.g., smartphone, laptop, tablet PC) and may install an application (e.g., K-Bank application) provided by a bank (e.g., K-Bank). The application may display a screen including a plurality of checkboxes for receiving various financial information from the user. For example, the checkboxes may include financial knowledge levels, loans, investment products, deposits, installment savings, etc., related to the user's financial knowledge.

[0034] According to one embodiment, a mobile terminal (110) may request a financial-related quiz service from a financial server (120) and, in response to the request, display a live streaming of the quiz received from the financial server (120) on an application. The live streaming includes data in which a virtual person narrates the generated quiz to the user, thereby allowing the user to perceive that a person is providing the quiz to them.

[0035] According to one embodiment, the mobile terminal (110) can display (e.g., display in real time) a live stream generated and received (e.g., received in real time) from the financial server (120) through an application (e.g., K-Bank application).

[0036] Afterward, the mobile terminal (110) can display a quiz based on live streaming on an application (e.g., multiple choice with 4 or 5 options, or short answer with a short answer) and receive the answer selected by the user for the displayed quiz.

[0037] According to one embodiment, the financial server (120) is a server managed by a financial institution (e.g., K-Bank), and when a quiz service is requested from a mobile terminal (110), it can generate a financial-related quiz and the correct answer and explanation for the quiz using financial-related data.

[0038] For example, when a quiz service is requested from a mobile terminal (110), the financial server (120) can acquire financial data and generate a financial quiz using generative artificial intelligence (AI) with the acquired data. This quiz has a difficulty level corresponding to the financial knowledge level of the user included in the request received from the mobile terminal (110), and is a quiz corresponding to a financial field selected by the user (e.g., loan products, investment products, deposits, savings, etc.). Additionally, the financial server (120) can generate answers and explanations for the generated quiz.

[0039] The above financial server (120) can extract at least one keyword corresponding to the check information included in the request from the financial data and transmit it to a mobile terminal (110) to provide a financial quiz service to the user, which generates at least one quiz using generative artificial intelligence (AI) with at least one extracted keyword.

[0040] According to one embodiment, the financial server (120) can generate a virtual person who provides the generated quiz to a user, and can generate a live stream by video synthesizing and voice synthesizing the generated virtual person into the quiz. After synthesizing the generated virtual person into the quiz, the financial server (120) can fine-tune the facial expressions of the virtual person. The financial server (120) can further train a pre-trained model to suit a specific task or purpose and fine-tune it for conversation or quiz purposes.

[0041] For example, the financial server (120) can generate a text-based quiz or generate a live stream in which a virtual person reads out the generated quiz.

[0042] In this way, the financial server (120) can provide a financial quiz service to the mobile terminal (110) using at least one of the level related to the user's financial knowledge included in the request, loan products, and investment products.

[0043] According to one embodiment, the financial server (120) can transmit the generated live streaming to the mobile terminal (110).

[0044] According to one embodiment, when answers to all quizzes are entered into the mobile terminal (110), the entered answers can be transmitted to the financial server (120). Subsequently, the financial server (120) can provide the correct answer results of the quizzes to the mobile terminal (110). In addition, the financial server (120) can provide the correct answers to the quizzes provided to the mobile terminal (110) and explanations for each quiz to the mobile terminal (110).

[0045] According to one embodiment, the financial server (120) can calculate the correct answer rate and deposit a reward (e.g., cash) into the user's bank account (e.g., K-Bank account) of the mobile terminal (110). The amount of such reward may be higher when the correct answer rate is high and lower when the correct answer rate is low.

[0046] Alternatively, the financial server (120) may provide rewards differentially based on the correct answer rates of multiple users who have received the same quiz service.

[0047] Alternatively, the financial server (120) may generate a quiz with varying difficulty levels based on the financial knowledge level of the user included in the request, and provide a reward to the customer's account based on the financial knowledge level.

[0048] In this way, when the financial server (120) receives a correct answer based on live streaming from the mobile terminal (110), it can provide a reward to the customer's account based on the accuracy rate of the received correct answer.

[0049] FIG. 2 is a flowchart illustrating the process of providing a financial-related quiz service according to an embodiment of the present invention. FIG. 3 is an example diagram illustrating a screen including a plurality of checkboxes for receiving various financial-related information from a user according to an embodiment of the present invention. FIG. 4(a) is an example diagram illustrating a mobile terminal displaying a screen including a quiz according to an embodiment of the present invention. FIG. 4(b) is an example diagram illustrating a mobile terminal displaying a screen including the correct answer result according to an embodiment of the present invention. FIG. 4(c) is an example diagram illustrating a mobile terminal displaying a screen including the correct answer and explanation for the quiz according to an embodiment of the present invention.

[0050] Hereinafter, with reference to (c) of FIGS. 1 to 4, the process of providing a financial quiz service according to one embodiment of the present invention will be described in detail as follows.

[0051] According to one embodiment, a mobile terminal (110) can request a quiz service from a financial server (120) (S210). The mobile terminal (110) can display a coupon providing the quiz service through an application (e.g., K-Bank application). Then, when the mobile terminal (110) selects the coupon providing the quiz service from the user, it can display a screen that allows the user to select a level of financial knowledge and various financial fields (e.g., loans, investment products, deposits, savings, funds, domestic stocks, overseas stocks, etc.). Then, the mobile terminal (110) can display a popup on the application (e.g., K-Bank application) indicating that the quiz service has been selected.

[0052] Afterwards, the mobile terminal (110) can request a quiz service from the financial server (120), including information entered through the displayed screen.

[0053] Referring to FIG. 3, the mobile terminal (110) can display a screen (301) to receive various financial information from the user through an application (e.g., K-Bank application) in order to request a quiz service from the financial server (120).

[0054] According to one embodiment, the screen (301) may include check boxes for each of the financial knowledge level (310), loan (320), and investment product (330).

[0055] For example, financial knowledge levels (310) may include advanced (311), intermediate (312), and beginner (313), and loans (320) may include mortgages (321), credit loans (322), and overdrafts (323). Additionally, investment products (330) may include domestic stocks (331), overseas stocks (332), and funds (333).

[0056] FIG. 3 shows only the financial knowledge level (310), loan (320), and investment product (330), respectively, but this is merely an example and the invention is not limited thereto.

[0057] For example, the server (120) of the present invention can analyze the user's financial transaction to analyze the user's financial knowledge level and financial field of interest, and configure a screen corresponding thereto to provide to the mobile terminal (110).

[0058] For example, the mobile terminal (110) can request a quiz service from the financial server (120), including information about the checkboxes (e.g., superior (311), housing mortgage (321) and domestic stock (331)) selected on the screen (301) displayed on the application.

[0059] According to one embodiment, the financial server (120) can generate financial-related quizzes and answers and explanations using financial-related data (S212). When the financial server (120) receives a request for a quiz service from a mobile terminal (110), it can identify the level of financial knowledge of the user included in the request and various financial fields (e.g., loans, investment products, deposits, savings, funds, domestic stocks, overseas stocks, etc.).

[0060] In addition, the financial server (120) can generate multiple quizzes and answers and explanations for each quiz through a generative AI based on the user's level of financial knowledge and various financial fields (e.g., loans, investment products, deposits, savings, funds, domestic stocks, overseas stocks, etc.). For example, the generated quiz is a quiz corresponding to the user's level of financial knowledge and financial field.

[0061] According to one embodiment, the financial server (120) can generate a virtual person who provides the generated quiz to the user (S214). The financial server (120) can generate a text-based quiz or generate a live stream in which the virtual person reads the generated quiz. If the financial server (120) intends to provide the generated quiz to the user via live streaming, it can generate a virtual person who reads the generated quiz.

[0062] According to one embodiment, the financial server (120) can synthesize the generated virtual person into the quiz and fine-tune the facial expression of the synthesized virtual person (S216). The financial server (120) can synthesize the generated virtual person into the quiz and fine-tune the facial expression (e.g., face, eye shape, facial expression, mouth shape, voice, hand gesture, etc.) of the virtual person reading the generated quiz to correspond to the content of the quiz.

[0063] According to one embodiment, the financial server (120) can generate a live stream of the generated quiz (S218). The financial server (120) can generate a live stream of the generated quiz by fine-tuning the facial expressions (e.g., eye shape, mouth shape, hand gestures, etc.) of a virtual person reading the generated quiz to correspond to the content of the quiz.

[0064] According to one embodiment, the financial server (120) can transmit live streaming (S220). The financial server (120) can transmit the generated live streaming to a mobile terminal (110) in real time.

[0065] According to one embodiment, the mobile terminal (110) can display the generated live streaming (S222). The mobile terminal (110) can display the live streaming related to the level of financial knowledge selected by the user and various financial fields (e.g., loans, investment products, deposits, savings, funds, domestic stocks, overseas stocks, etc.) in real time on an application (e.g., K-Bank application).

[0066] Referring to FIG. 4(a), the mobile terminal (110) can display a live streaming generated in relation to a quiz received from a financial server (120) on the screen (410) of the application. The screen (410) may include quiz information (440), and the quiz information (440) may include quiz content (441), answer choices (442, 443, 444, 445), and a submission confirmation button (446).

[0067] After obtaining the quiz content (441) through a virtual person (411), the user can select the answer (443) that they think is the correct answer from the options (442, 443, 444, 445) and then select the submission confirmation button (446).

[0068] According to one embodiment, the mobile terminal (110) can identify whether answers to all quizzes are entered (S224). The mobile terminal (110) can identify whether answers are entered by the user for quizzes displayed in real-time on an application (e.g., K-Bank application). These quizzes may be multiple-choice questions or short-answer questions. The quizzes may be four-option multiple-choice, five-option multiple-choice, or short-answer short-answer questions.

[0069] According to one embodiment, the mobile terminal (110) can transmit the input answers to the financial server (120) (S226). When an answer to one quiz is entered, the mobile terminal (110) can transmit the input answer to the financial server (120) immediately, or when answers to all quizzes are entered, it can transmit the input answers to the financial server (120) all at once.

[0070] In this way, when answers to all quizzes are entered, the mobile terminal (110) can transmit the entered answers to the financial server (120), or transmit the answer to one quiz to the financial server (120).

[0071] According to one embodiment, the financial server (120) can transmit the correct answer and explanation for the quiz to the mobile terminal (110) (S228). When the financial server (120) receives the answer to the quiz, it can transmit the correct answer and explanation for each quiz generated in the above process (S212) to the mobile terminal (110).

[0072] According to one embodiment, the mobile terminal (110) can display the correct answer and explanation for the quiz (S230). The mobile terminal (110) can display the hit result, the correct answer, and the explanation for each quiz via live streaming.

[0073] Referring to FIG. 4(b), the mobile terminal (110) can display the correct answer result for a quiz received from the financial server (120) on the screen (420) of the application. The screen (420) may include the correct answer result (421), and a virtual person (411) may provide the correct answer result (421) to the user in voice.

[0074] Referring to FIG. 4 (c), the mobile terminal (110) can display information (440) containing the correct answer and explanation for a quiz from the financial server (120) on the application. The information (440) can be provided to the user by a virtual person (411) live streaming the explanation (431) for the correct answer to the quiz (441).

[0075] According to one embodiment, the financial server (120) can calculate the correct answer rate and provide a reward to the user's bank account of the mobile terminal (110) (S232). The financial server (120) can calculate the correct answer rate and deposit the reward (e.g., cash) into the user's bank account (e.g., K-Bank account) of the mobile terminal (110). For each user, the amount of the reward may be higher as the correct answer rate is higher and lower as the correct answer rate is lower. Alternatively, the reward may be higher as the correct answer rate is higher and lower as the correct answer rate is lower, depending on the user's financial knowledge level. That is, even if the correct answer rate is the same, the reward may be higher as the financial knowledge level is higher and lower as the financial knowledge level is lower. In this way, the financial server (120) generates a quiz with varying difficulty levels based on the financial knowledge level of the user included in the request, and when the correct answer based on live streaming is received from the mobile terminal (110), the reward can be provided to the customer's account with varying difficulty levels based on the financial knowledge level.

[0076] Alternatively, the financial server (120) may provide rewards differentially based on the correct answer rates of multiple users who have received the same quiz service.

[0077] In this way, when the financial server (120) receives a correct answer based on live streaming from the mobile terminal (110), it can provide a reward (e.g., cash) to the customer's account (e.g., K-Bank account) based on the correct answer rate for the received answer (e.g., deposit).

[0078] According to one embodiment, the financial server (120)

[0079] FIG. 5 is a block diagram of a financial server providing a financial-related quiz service according to one embodiment of the present invention.

[0080] Referring to FIG. 5, a financial server (120) providing a financial quiz service according to one embodiment of the present invention may include a communication unit (510), a memory (520), and a processor (530).

[0081] The configuration of the financial server (120) shown in FIG. 5 is according to one embodiment, and the components of the financial server (120) are not limited to the embodiment shown in FIG. 5, and some components may be added, changed, or deleted as needed.

[0082] According to one embodiment, the communication unit (510) may include at least one circuit capable of transmitting and receiving at least one signal, information, and data with at least one mobile terminal (110).

[0083] Additionally, the communication unit (510) can be connected to at least one mobile terminal (110) via a wired or wireless connection to transmit and receive signals or data in real time. Through this, the financial server (120) can transmit a quiz, the correct answer to the quiz, and an explanation generated by the generative AI to the mobile terminal (110).

[0084] According to one embodiment, the memory (520) stores control logic or commands that operate in conjunction with the mobile terminal (110). Additionally, the memory (520) may store various financial data that generates a quiz based on a request from at least one mobile terminal. Additionally, the memory (520) may store a quiz generation model that generates a quiz.

[0085] In addition, the memory (520) can store algorithms, programs, etc. for training a quiz generation model based on financial data.

[0086] According to one embodiment, the processor (530) can control the components of the financial server (120) overall (e.g., communication unit (510), and memory (520)). The processor (530) may include a Large Language Model (LM) module (531), a quiz generation module (532), a virtual person generation module (533), and a live streaming generation module (534).

[0087] For example, the processor (530) may be implemented as at least one physical element among ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays), processors, microcontrollers, and microprocessors.

[0088] According to one embodiment, the processor (530) may have an artificial intelligence algorithm embedded therein. The algorithm for such artificial intelligence may be implemented by the processor (530). The artificial intelligence may support a deep learning neural network algorithm that analyzes, recognizes, infers, and judges various data on its own as a program that mimics the neural network of the human brain.

[0089] According to one embodiment, the LLM (Large Language Model) module (531) may be configured as a financial specialized model as a large language model and may acquire various financial data from memory (520). The LLM module (531) may include in-context learning, zero-shot learning, and few-shot learning.

[0090] In-context learning learns and performs a task based solely on the content of the prompt, and the model can understand the contextual meaning within the prompt and generate an answer, and there is no separate model learning process that updates the model's weights like pre-training or fine-tuning.

[0091] Zero-shot learning is performed when a task is given without examples, and language models since GPT-2 can perform this without separate training because they have already been trained on the task.

[0092] Few-shot learning provides multiple examples and learns to perform tasks.

[0093] According to one embodiment, the quiz generation module (532) can generate a financial quiz customized for the user. The quiz generation module (532) can extract multiple keywords based on the user's request from financial data obtained from the Large Language Model (LM) module (531), and generate a quiz using a generative AI with the extracted keywords.

[0094] Additionally, the quiz generation module (532) can learn a vast amount of financial data in advance by utilizing a language model structure composed of an artificial neural network. For example, the artificial neural network model may include BERT (Bidirectional Encoder Representations from Transformers), GPT (Generative Pre-trained Transformer), etc.

[0095] For example, BERT is a Masked Language Model that is pretrained by creating blanks in the middle of sentences and determining which word is appropriate for them, and it is a bidirectional model in that it can examine both the context before and after the blanks.

[0096] For example, GPT is a unidirectional model in that it is pretrained in the process of predicting the next word given previous words and calculates sequentially starting from the beginning of the sentence.

[0097] According to one embodiment, the virtual person generation module (533) can generate a virtual person that provides a quiz to the user. This virtual person is a virtual person capable of providing the generated quiz to the user through voice, gestures, etc., and the user can perceive it as if a person is providing the quiz to them.

[0098] The virtual character generation module (533) can learn face, eye shape, facial expression, mouth shape, voice, hand gesture, etc. from text / image sample data and may include an autoencoder model and a GAN (Generative Adversarial Network) model.

[0099] An autoencoder model is a neural network that, upon receiving an input, compresses the input data as much as possible, extracts its features, and restores it to its original input form. Such an autoencoder may include an encoder, which acts as a recognition network to convert the input into an internal representation, and a decoder, which acts as a generative network to convert the internal representation into an output.

[0100] When an autoencoder model receives data as input, it extracts features and reconstructs the original data into output data. At this time, the autoencoder model is trained to minimize the reconstruction error, which is the difference between the original input data and the reconstructed result.

[0101] GAN models are generative models, similar to VAEs and diffusion models, that can learn data through a process in which a generator that creates data and a discriminator that distinguishes data compete.

[0102] According to one embodiment, the live streaming generation module (534) can generate a live stream by video synthesizing and voice synthesizing the generated virtual person into a quiz. The live stream may include data that allows the virtual person to narrate the quiz to the user. The live streaming generation module (534) is a task-centric model, which is a model that has been fine-tuned by further training a pre-trained model to suit a specific task or purpose, and can be fine-tuned for conversation or quiz purposes.

[0103] For example, live streaming is a method of playing audio and media content in real time over the internet, and types of protocols include progressive download, RTSP (Real-Time Streaming Protocol), Adaptive HTTP Streaming, and HTTP live streaming.

[0104] FIG. 6 is a flowchart illustrating the process of a financial server providing a financial-related quiz service to a mobile terminal according to one embodiment of the present invention.

[0105] Hereinafter, with reference to FIG. 6, the process of a financial server according to one embodiment of the present invention providing a financial-related quiz service to a mobile terminal is described in detail as follows.

[0106] According to one embodiment, a financial server (120) (e.g., processor (530)) can identify whether a quiz service is requested from a mobile terminal (110) (S610). The financial server (120) (e.g., processor (530)) can identify whether a request for a quiz service provided through an application on the mobile terminal (110) (e.g., K-Bank application) is received from the mobile terminal (110). This quiz service is intended to improve the user's level of financial knowledge and financial common sense regarding various financial fields (e.g., loans, investment products, deposits, savings, funds, domestic stocks, overseas stocks, etc.), and the bank can provide the quiz service through an application on the mobile terminal (110) to improve the customer's financial common sense.

[0107] According to one embodiment, a financial server (120) (e.g., processor (530)) can obtain financial-related data based on a requested quiz service (S612). The financial server (120) (e.g., processor (530)) can obtain various financial data included in the request from memory (520).

[0108] According to one embodiment, a financial server (120) (e.g., processor (530)) can generate a financial-related quiz using acquired financial data (S614). The financial server (120) (e.g., processor (530)) can generate a quiz corresponding to the user's financial knowledge level included in the request received from the mobile terminal (110) and the financial field selected by the user through a generative AI. The financial server (120) (e.g., processor (530)) can extract at least one keyword corresponding to the check information included in the request from the financial-related data, and generate at least one quiz using a generative artificial intelligence (AI) with the extracted at least one keyword.

[0109] According to one embodiment, the financial server (120) (e.g., processor (530)) can generate answers and explanations for the generated quiz (S616). The financial server (120) (e.g., processor (530)) can generate answers and explanations based on text or video.

[0110] According to one embodiment, a financial server (120) (e.g., processor (530)) can generate a virtual person who provides a generated quiz to a user (S618). The financial server (120) (e.g., processor (530)) can generate a text-based quiz or generate a virtual person who reads out the generated quiz. For example, if the financial server (120) intends to provide the generated quiz to a user via live streaming, it can generate a virtual person who reads out the generated quiz.

[0111] According to one embodiment, a financial server (120) (e.g., processor (530)) can synthesize a generated virtual person into a quiz and fine-tune the facial expressions of the virtual person (S620). The financial server (120) (e.g., processor (530)) can synthesize a generated virtual person into a quiz and fine-tune the facial expressions (e.g., face, eye shape, expression, mouth shape, voice, hand gestures, etc.) of the virtual person reading the generated quiz to correspond to the content of the quiz. Due to these fine-tunings, the user can feel a sense of familiarity as if a real person were presenting the quiz.

[0112] According to one embodiment, a financial server (120) (e.g., processor (530)) can generate narration for live streaming and set up a virtual person to generate streaming data in which video and audio are synthesized.

[0113] Examples of such streaming data are shown in [Table 1] below.

[0114] division detail Details Required phrases Opening greetings Greetings and Host Introduction Host Introduction Quiz Guide Episode Information - We will proceed with the Nth 'Live Quiz' of the 'AI Quiz Challenge'. - We created questions / quizzes using generative AI. Quiz Procedure Guide - Total number of questions: 6 - 5 main quiz questions, 1 bonus quiz question - Answer all main quiz questions correctly to become the winner - Winners share the entire prize money Prize Introduction - Prize Money: Total 0 won First Quiz Guide - Shall we start with Question 1 / the first question? Quiz Question setting Start of the Nth problem - Shall we start with Question 1 / the first question? Question Format Guide - The Nth question is a True / False question. - The Nth question is a Multiple Choice question. - The Nth question is a Short Answer question. Question setting For multiple-choice questions, read excluding the option numbers (Example): 1. Type A, 2. Type B (X) / Type A, Type B (O)

[0115] According to one embodiment, a financial server (120) (e.g., processor (530)) can generate a live stream of a generated quiz and transmit it to a mobile terminal (110) (S622). The financial server (120) (e.g., processor (530)) can generate a live stream of a generated quiz by fine-tuning the facial expressions (e.g., eye shape, mouth shape, hand gestures, etc.) of a virtual person reading the generated quiz to correspond to the content of the quiz. Then, the financial server (120) (e.g., processor (530)) can transmit the generated live stream to a mobile terminal (110) in real time.

[0116] According to one embodiment, the financial server (120) (e.g., processor (530)) can deposit a reward based on the correct answer rate for a quiz into the customer's account (S624). When the financial server (120) (e.g., processor (530)) receives a correct answer based on live streaming from the mobile terminal (110), it can provide a reward to the customer's account based on the correct answer rate for the received answer.

[0117] A financial server (120) (e.g., processor (530)) generates a quiz with varying difficulty levels based on the user's financial knowledge level included in the request and provides it to a mobile terminal (110). When an answer based on live streaming is received from the mobile terminal (110), the financial server checks whether the answer to the quiz is correct. If the customer's answer is correct, the financial server (120) (e.g., processor (530)) can provide a reward to the customer's account.

[0118] For example, a financial server (120) (e.g., processor (530)) can provide rewards to a customer's account by applying them differentially according to the user's level of financial knowledge. For each user, the amount of these rewards may be higher as the accuracy rate increases and lower as the accuracy rate decreases.

[0119] Alternatively, depending on the user's financial knowledge level, the reward amount may be higher as the accuracy rate increases and lower as the accuracy rate decreases. In other words, even if the accuracy rate is the same, the reward may be higher for a higher financial knowledge level and lower for a lower financial knowledge level.

[0120] In this way, the financial server (120) generates a quiz with varying difficulty levels based on the financial knowledge level of the user included in the request, and when the correct answer based on live streaming is received from the mobile terminal (110), the reward can be provided to the customer's account with varying difficulty levels based on at least one of the financial knowledge level and financial field.

[0121] As described above, the present invention provides financial quizzes to users and offers rewards to customers' accounts when they answer the quiz correctly, thereby enabling customers to improve their financial knowledge and generate revenue, as well as allowing banks (e.g., K-Bank) to utilize this as a customer marketing tool.

[0122] Each step in each of the flowcharts described above may be operated independently of the illustrated order or may be performed simultaneously. Additionally, at least one component of the present invention and at least one operation performed by said at least one component may be implemented in hardware and / or software.

[0123] Although the present invention has been described above with reference to the illustrated drawings, the present invention is not limited by the embodiments and drawings disclosed in this specification, and it is obvious that various modifications can be made by a person skilled in the art within the scope of the technical concept of the present invention. Furthermore, even if the effects of the configuration of the present invention were not explicitly described while explaining the embodiments of the present invention above, it is natural to acknowledge that the effects predictable by said configuration should also be recognized. Explanation of the symbols

[0124] 100: System 110: Mobile terminal 120: Financial Server 510: Communications Department 520: Memory 530: Processor

Claims

Claim 1 A system for providing a financial quiz service, comprising: a mobile terminal that requests a financial quiz service from a financial server and, in response to the request, displays a live streaming of a quiz received from the financial server; and a financial server that, when the quiz service is requested, generates a financial quiz and an answer and explanation for the quiz using financial data, generates a virtual person who provides the generated quiz to a user, generates the live streaming by video synthesis and voice synthesis of the generated virtual person to the quiz, transmits the generated live streaming to the mobile terminal, and, when an answer based on the live streaming is received from the mobile terminal, provides a reward to the customer's account based on the accuracy rate of the received answer. Claim 2 In claim 1, the financial server generates a quiz with varying difficulty levels according to the financial knowledge level of the user included in the request, and when the correct answer based on the live streaming is received from the mobile terminal, provides a financial quiz service to the customer's account with varying rewards according to the financial knowledge level. Claim 3 In claim 1, the financial server is a system that provides a financial quiz service that fine-tunes the facial expression of the virtual person after synthesizing the generated virtual person into the quiz. Claim 4 In claim 1, the financial server is a system that provides a financial-related quiz service that generates the quiz using at least one of the user's financial knowledge level, loan products, and investment products included in the request. Claim 5 A system for providing a financial quiz service according to claim 1, wherein the live streaming is data in which the virtual person narrates the generated quiz to the user. Claim 6 In claim 1, the financial server is a system that provides a financial quiz service by extracting at least one keyword corresponding to check information included in the request from the financial-related data and generating at least one quiz using generative artificial intelligence (AI) with at least one extracted keyword. Claim 7 A method performed in a system providing a financial-related quiz service, comprising: a process in which a mobile terminal requests a financial-related quiz service from a financial server; a process in which, upon receiving the request for the quiz service, the financial server generates a financial-related quiz and an answer and explanation for the quiz using financial-related data; a process in which the financial server generates a virtual person to provide the generated quiz to a user; a process in which the financial server generates a live stream by video synthesizing and voice synthesizing the generated virtual person to the quiz; a process in which the financial server transmits the generated live stream to the mobile terminal; a process in which the mobile terminal displays the live stream for the quiz received from the financial server in response to the request; and a process in which, upon receiving an answer based on the live stream from the mobile terminal, the financial server provides a reward to the customer's account based on the accuracy rate of the received answer. Claim 8 In claim 7, the process of transmitting the generated live streaming to the mobile terminal includes the process of providing a reward to the customer's account based on the accuracy rate of the received answer when an answer based on the live streaming is received from the mobile terminal. Claim 9 In claim 7, the process of generating a financial-related quiz and the correct answer and explanation for the quiz using the financial-related data includes a method of generating the quiz using at least one of the user's financial knowledge level, loan and investment products included in the request. Claim 10 In claim 7, the process of generating a financial-related quiz and the correct answer and explanation for the quiz using the financial-related data comprises: a process of extracting at least one keyword corresponding to the check information included in the request from the financial-related data; and a process of generating at least one quiz using generative artificial intelligence (AI) with at least one extracted keyword.

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