Money tutoring financial consulting system based on financial management tendency compatibility analysis

Abstract

The present invention relates to a financial consulting system, and more specifically, to a money-compatibility analysis-based money-tutoring financial consulting system that analyzes a customer's financial psychology and determines the money type and the money compatibility type between the customer and the customer, and by having a consultant provide customized money tutoring consulting to the customer according to the customer's money type and the money compatibility type between the customer and the customer, thereby providing the effect of effectively performing financial management and preventing financial risks by receiving money tutoring consulting from a consultant possessing professional financial knowledge, and efficiently holding, managing, and operating an individual's financial resources to increase stability and profitability.

Description

Technology Field

[0001] The present invention relates to a financial consulting system, and more specifically, to a money-compatibility analysis-based money-tutoring financial consulting system that analyzes a customer's financial psychology and determines the money type and the money compatibility type between the customer and the customer, and by having a consultant provide customized money tutoring consulting to the customer according to the customer's money type and the money compatibility type between the customer and the customer, thereby providing the effect of effectively performing financial management and preventing financial risks by receiving money tutoring consulting from a consultant possessing professional financial knowledge, and efficiently holding, managing, and operating an individual's financial resources to increase stability and profitability. Background Technology

[0002] As science and technology gradually advance, the field of medical technology, which is involved in the cycle of birth, aging, sickness, and death of humanity, is also undergoing continuous innovation and development. Consequently, humanity, living in the 21st century, is entering the era of the centenarian.

[0003] Consequently, the need for retirement planning to live in the age of 100 is naturally becoming increasingly prominent and emphasized, and the importance of personal financial management to live a more economically stable life in the age of 100 is growing.

[0004] Meanwhile, as the global economy has deteriorated and economic activities of companies and individuals have been paralyzed due to the recent COVID-19 pandemic, debt ratios for both groups have skyrocketed; consequently, financial management for both groups is more urgently required than ever before.

[0005] In general, financial management refers to how to hold and manage various assets to secure the liquidity, stability, and profitability of financial institutions. In a broader sense, financial management encompasses a wide range of research fields, including corporate finance, investment theory related to the analysis and evaluation of asset investments, the management of financial institutions and financial management theory, and parts of monetary and financial theory related to financial institutions and financial systems.

[0006] On the other hand, financial management in a narrow sense refers to a management function that, as a subsystem of corporate management, involves rationally procuring the funds required by a company to operate efficiently—along with personnel management, production management, marketing management, and accounting—and investing those funds in assets to manage them effectively. In other words, financial management can be described as an integrated management function that plans, executes, and controls all business activities from an overall perspective using money as a medium.

[0007] However, nowadays, the meaning of financial management is no longer limited to corporations but is gradually expanding to include the efficient holding, management, and operation of individuals' financial resources to increase stability and profitability.

[0008] Nevertheless, individuals generally have low expertise and understanding of asset or liability management and lack financial knowledge, so they are not proficient in systems such as accounting standards, taxation, and various regulatory provisions, nor are they proficient in asset management. Furthermore, they struggle to formulate systematic strategies to respond to various market indices such as prices, interest rates, stock indices, real estate price indices, exchange rates, crude oil prices, economic growth rates, trade balance, consumer sentiment indices, and unemployment rates. Additionally, because it is practically impossible to build a portfolio of financial assets through various analyses based on specialized knowledge regarding their financial situation and financial planning, without the help of experts, they can easily fall into the traps of various financial risks, such as asset risk, credit risk, market risk, interest rate risk, and liquidity risk.

[0009] In order to solve this, the ‘method and system for setting, planning, and managing life goals by major areas of life based on time management and financial management’ of Korean Registered Patent Publication No. 10-2370680 (hereinafter referred to as ‘Patent Document 1’) is disclosed.

[0010] The above-mentioned 'Patent Document 1' relates to a method and system for setting, planning, and managing life goals by major areas of life based on time management and financial management. It relates to a method and system for setting, planning, and managing life goals by major areas of life based on time management and financial management, which classifies major areas of life into eight major areas to achieve life goals according to a vision, establishes plans for each major area, and enables managing whether the established plans are being implemented as planned by integrally displaying time data and financial data.

[0011] A method for setting, planning, and managing life goals by major areas of life based on time management and financial management according to the above-mentioned 'Patent Document 1' comprises an application server providing an application and a user terminal connecting to the application server to transmit and receive data, wherein the method comprises a vision setting step of setting a vision of life, a goal setting step of setting goals to be achieved by each major area of ​​life to realize the vision, a plan setting step of setting a plan to achieve the goals, and an execution and management step of receiving data of the executed plan from the user terminal, accumulating the received data, and displaying it on the user terminal.

[0012] However, conventional technologies, including the aforementioned 'Patent Document 1', provided only standardized financial management that did not take into account the financial psychology of customers, such as individual consumption habits or values ​​regarding money, and thus had the disadvantage that even if financial management was received through a financial planner, the improvement rate was minimal.

[0013] Therefore, there is an urgent need for technology that analyzes individual financial psychology and provides customized financial management solutions based on individual tendencies, enabling effective financial management by financial planners with professional financial knowledge, prevention of financial risks, and the efficient retention, management, and operation of personal financial resources to increase stability and profitability. Prior art literature

[0014] Korean Patent Publication No. 10-2370680 (February 28, 2022) The problem to be solved

[0015] The present invention is intended to solve the aforementioned conventional problems, and,

[0016] The purpose is to provide a financial consulting system that analyzes the financial psychology of customers and identifies the money type and the money compatibility type between customers, and enables consultants to provide customized money tutoring consulting to customers based on the customer's money type and the money compatibility type between customers.

[0017] In addition, the present invention aims to provide a financial consulting system that enables a consultant to provide customized money tutoring consulting to a customer by taking into account various characteristics of the customer, such as investment propensity, consumption propensity, savings propensity, values ​​regarding money, sincerity, will, planning ability, and greed.

[0018] In addition, the present invention aims to provide a financial consulting system that can effectively perform financial management and prevent financial risks by receiving money tutoring consulting from a consultant with professional financial knowledge, and increase stability and profitability by efficiently holding, managing, and operating an individual's financial resources. means of solving the problem

[0019] The present invention for achieving the aforementioned conventional purpose is,

[0020] In the financial consulting system,

[0021] A customer subscription information processing unit (101) receives a membership request containing the customer's personal information and the index information of the consultant who recommended the membership from a customer device (200), and when the membership request is approved by an administrator, stores the membership information containing the customer's personal information and the index information of the consultant who recommended the membership in a DB storage unit (112).

[0022] A consultant registration information processing unit (102) that receives a consultant registration request containing personal information and index information of a consultant from a consultant device (300), and when the consultant registration request is approved by an administrator, stores the registration information containing personal information and index information of a consultant in a DB storage unit (112).

[0023] A financial psychology survey management unit (103) that receives input of a financial psychology survey and money type classification criteria written by an administrator, stores them in a DB storage unit (112), transmits the financial psychology survey to a customer device (200), and receives answers to the financial psychology survey from the customer device (200) and stores them in a DB storage unit (112).

[0024] A money type type analysis unit (104) that determines the customer's money type by comparing and analyzing the financial psychology survey answer received from the customer device (200) with the money type type classification criteria stored in the DB storage unit (112),

[0025] When the customer's money type is determined, a money type type report is generated and stored in a DB storage unit (112), and transmitted to at least one of a customer device (200) or a consultant device (300), a money type type report management unit (105).

[0026] A financial status diagnosis message management unit (106) that receives a financial status diagnosis message and financial status diagnosis evaluation criteria written by a manager, stores them in a DB storage unit (112), transmits the financial status diagnosis message to a customer device (200), receives an answer to the financial status diagnosis message from the customer device (200), and stores it in the DB storage unit (112) as the customer's financial information.

[0027] A financial information acquisition unit (107) that obtains consent for the inquiry and collection of financial information from a customer device (200), acquires the customer's financial information in real time through an open API, and stores it in a DB storage unit (112).

[0028] A financial status diagnostic analysis unit (108) that diagnoses and analyzes the financial status of a customer by comparing and analyzing the financial information of the customer stored in the DB storage unit (112) and the financial status diagnostic evaluation criteria,

[0029] A financial status diagnosis report management unit (109) that, when the financial status diagnosis analysis of a customer is completed, generates a financial status diagnosis report, stores it in a DB storage unit (112), and transmits it to at least one of a customer device (200) or a consultant device (300).

[0030] If the customer's subscription information includes index information of the consultant who recommended the subscription, the immediate matching processing unit (110) immediately completes the matching process between the customer device (200) and the consultant device (300) of the consultant who recommended the subscription and transmits the customer's subscription information to the consultant device (300).

[0031] If the customer's subscription information does not include index information of the consultant who recommended the subscription, after receiving a request for consultant matching from the customer device (200), the matching management unit (111) selects consultants from 1st to Nth rank based on selection criteria based on the customer's money type report and financial status diagnosis report, requests acceptance of matching from the consultant device (300) of the selected consultant, and if the consultant device (300) that received the request for acceptance of matching rejects the matching, the matching management unit (111) repeats the process of requesting acceptance of matching from the consultant device (300) of the next-ranked consultant, and if the consultant device (300) that received the request for acceptance of matching accepts the matching, the matching management unit (111) processes the customer device (200) and the consultant device (300) as completed, transmits the index information of the matched consultant to the customer device (200), and transmits the subscription information of the matched customer to the consultant device (300).

[0032] A consulting management server (100) configured to include a DB storage unit (112) that stores at least one of the following: customer registration information, consultant registration information, financial psychology survey, money type classification criteria, answers to the financial psychology survey, money type report, financial status diagnosis text, financial status diagnosis evaluation criteria, customer's financial information, financial status diagnosis report, and consultant selection criteria; and

[0033] A membership request unit (201) that receives personal information and index information of a consultant who recommended membership from a customer who wishes to sign up, and requests membership from a consulting management server (100).

[0034] When membership registration is approved by the administrator of the consulting management server (100), the financial psychology survey input unit (202) is configured to receive a financial psychology survey from the consulting management server (100) and receive answers to the survey, and transmits the answers to the financial psychology survey to the consulting management server (100).

[0035] After sending the answers to the financial psychology survey to the consulting management server (100), the money type type report receiving unit (203) receives the money type type report from the consulting management server (100).

[0036] When membership registration is approved by the administrator of the consulting management server (100), the financial status diagnosis message input unit (204) is configured to receive a financial status diagnosis message from the consulting management server (100) and receive an answer to the diagnosis message, and when an answer to the financial status diagnosis message is received, transmits it to the consulting management server (100).

[0037] Financial information provision processing unit (205) that processes approval to grant permission to view and collect customer financial information in real time through an open API from a consulting management server (100),

[0038] After obtaining financial information of a customer from the consulting management server (100), the financial status diagnosis report receiving unit (206) receives the financial status diagnosis report from the consulting management server (100).

[0039] A matching request unit (207) that requests consultant matching from a consulting management server (100), and when the customer device (200) and the consultant device (300) are matched, receives index information of the matched consultant from the consulting management server (100).

[0040] A customer device (200) configured to include a money tutoring execution unit (208) that receives at least one of the following information generated from a consultant device (300): money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, and money tutoring financial goal information; and

[0041] A consultant registration request unit (301) that receives personal information and index information from a consultant who wishes to register as a consultant and requests consultant registration from the consulting management server (100),

[0042] A matching decision unit (302) receives a matching acceptance request from a consulting management server (100), is configured to allow a consultant to choose either acceptance or rejection regarding the received matching acceptance request, transmits the result to the consulting management server (100) when the consultant chooses either acceptance or rejection, and receives the subscription information of the customer who accepted the matching from the consulting management server (100) when the consultant accepts the matching.

[0043] Money type analysis information acquisition unit (303) that receives a money type type report of a matched customer from a consulting management server (100),

[0044] Financial status analysis information acquisition unit (304) that receives a financial status diagnosis report of a matched customer from a consulting management server (100),

[0045] This can be achieved by including a consultant device (300) configured to include a money tutoring management unit (305) that receives input from a consultant, generates at least one of money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, and money tutoring financial goal information, and shares the generated information with a customer device (200). Effects of the invention

[0046] Therefore, the present invention is,

[0047] It has the effect of providing a financial consulting system that analyzes the financial psychology of customers and identifies the money type and the money compatibility type between customers, and enables consultants to provide customized money tutoring consulting to customers according to the customer's money type and the money compatibility type between customers.

[0048] In addition, the present invention has the effect of providing a financial consulting system that enables a consultant to provide customized money tutoring consulting to a customer by taking into account various characteristics of the customer, such as investment propensity, consumption propensity, savings propensity, values ​​regarding money, sincerity, will, planning ability, and greed.

[0049] In addition, the present invention has the effect of providing a financial consulting system that can effectively perform financial management and prevent financial risks by receiving money tutoring consulting from a consultant with professional financial knowledge, and increase stability and profitability by efficiently holding, managing, and operating an individual's financial resources. Brief explanation of the drawing

[0050] FIG. 1 is a drawing showing an example of the configuration of the present invention. FIG. 2 is a diagram showing an example configuration of a consulting management server (100) of the present invention. FIG. 3 is a drawing showing an example configuration of a customer device (200) of the present invention. FIG. 4 is a drawing showing an example configuration of a consultant device (300) of the present invention. Specific details for implementing the invention

[0051] Hereinafter, the present invention may be subject to various modifications and may have various embodiments, and specific embodiments are illustrated in the drawings and described in detail.

[0052] However, this is not intended to limit the invention to specific embodiments, and it should be understood that it includes all modifications, equivalents, and substitutions that fall within the spirit and scope of the invention.

[0053] These embodiments are provided to further explain the invention in detail to those skilled in the art to which the invention pertains.

[0054] Accordingly, the shape of each element shown in the drawings may be exaggerated to emphasize a clearer explanation, and in describing the present invention, if it is determined that a detailed description of related known technology may obscure the essence of the present invention, such detailed description is omitted.

[0055] Terms such as first, second, etc. may be used to describe various components, but components should not be limited by the terms.

[0056] Terms are used solely for the purpose of distinguishing one component from another.

[0057] The terms used in this invention are used merely to describe specific embodiments and are not intended to limit the invention.

[0058] A singular expression includes a plural expression unless the context clearly indicates otherwise.

[0059] In the present invention, terms such as "comprising" or "having" are intended to specify the existence of the features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, and should be understood as not excluding in advance the existence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof.

[0060] Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the attached drawings.

[0062] Referring to FIG. 1, the present invention according to one embodiment is,

[0063] It is configured to include a consulting management server (100), a customer device (200), and a consultant device (300).

[0065] Referring to Fig. 2,

[0066] According to one embodiment, the consulting management server (100) is,

[0067] It is configured to include a customer registration information processing unit (101), a consultant registration information processing unit (102), a financial psychology survey management unit (103), a money type type analysis unit (104), a money type type report management unit (105), a financial status diagnosis question management unit (106), a financial information acquisition unit (107), a financial status diagnosis analysis unit (108), a financial status diagnosis report management unit (109), an immediate matching processing unit (110), a matching management unit (111), and a DB storage unit (112).

[0069] Referring to Fig. 3,

[0070] According to one embodiment, the customer device (200) is,

[0071] It is configured to include a membership request section (201), a financial psychology survey input section (202), a money type type report receiving section (203), a financial status diagnosis text input section (204), a financial information provision processing section (205), a financial status diagnosis report receiving section (206), a matching request section (207), and a money tutoring execution section (208).

[0073] Referring to Fig. 4,

[0074] The consultant device (300) according to one embodiment is,

[0075] It is composed of a consultant registration request unit (301), a matching decision unit (302), a money type analysis information acquisition unit (303), a financial status analysis information acquisition unit (304), and a money tutoring management unit (305).

[0077] Referring to FIGS. 1 to 4, the following will be explained in more detail:

[0078] The money tutoring financial consulting system by money type based on financial psychology analysis according to one embodiment of the present invention is,

[0079] In the financial consulting system,

[0080] A customer subscription information processing unit (101) receives a membership request containing the customer's personal information and the index information of the consultant who recommended the membership from a customer device (200), and when the membership request is approved by an administrator, stores the membership information containing the customer's personal information and the index information of the consultant who recommended the membership in a DB storage unit (112).

[0081] A consultant registration information processing unit (102) that receives a consultant registration request containing personal information and index information of a consultant from a consultant device (300), and when the consultant registration request is approved by an administrator, stores the registration information containing personal information and index information of a consultant in a DB storage unit (112).

[0082] A financial psychology survey management unit (103) that receives input of a financial psychology survey and money type classification criteria written by an administrator, stores them in a DB storage unit (112), transmits the financial psychology survey to a customer device (200), and receives answers to the financial psychology survey from the customer device (200) and stores them in a DB storage unit (112).

[0083] A money type type analysis unit (104) that determines the customer's money type by comparing and analyzing the financial psychology survey answer received from the customer device (200) with the money type type classification criteria stored in the DB storage unit (112),

[0084] When the customer's money type is determined, a money type type report is generated and stored in a DB storage unit (112), and transmitted to at least one of a customer device (200) or a consultant device (300), a money type type report management unit (105).

[0085] A financial status diagnosis message management unit (106) that receives a financial status diagnosis message and financial status diagnosis evaluation criteria written by a manager, stores them in a DB storage unit (112), transmits the financial status diagnosis message to a customer device (200), receives an answer to the financial status diagnosis message from the customer device (200), and stores it in the DB storage unit (112) as the customer's financial information.

[0086] A financial information acquisition unit (107) that obtains consent for the inquiry and collection of financial information from a customer device (200), acquires the customer's financial information in real time through an open API, and stores it in a DB storage unit (112).

[0087] A financial status diagnostic analysis unit (108) that diagnoses and analyzes the financial status of a customer by comparing and analyzing the financial information of the customer stored in the DB storage unit (112) and the financial status diagnostic evaluation criteria,

[0088] A financial status diagnosis report management unit (109) that, when the financial status diagnosis analysis of a customer is completed, generates a financial status diagnosis report, stores it in a DB storage unit (112), and transmits it to at least one of a customer device (200) or a consultant device (300).

[0089] If the customer's subscription information includes index information of the consultant who recommended the subscription, the immediate matching processing unit (110) immediately completes the matching process between the customer device (200) and the consultant device (300) of the consultant who recommended the subscription and transmits the customer's subscription information to the consultant device (300).

[0090] If the customer's subscription information does not include index information of the consultant who recommended the subscription, after receiving a request for consultant matching from the customer device (200), the matching management unit (111) selects consultants from 1st to Nth rank based on selection criteria based on the customer's money type report and financial status diagnosis report, requests acceptance of matching from the consultant device (300) of the selected consultant, and if the consultant device (300) that received the request for acceptance of matching rejects the matching, the matching management unit (111) repeats the process of requesting acceptance of matching from the consultant device (300) of the next-ranked consultant, and if the consultant device (300) that received the request for acceptance of matching accepts the matching, the matching management unit (111) processes the customer device (200) and the consultant device (300) as completed, transmits the index information of the matched consultant to the customer device (200), and transmits the subscription information of the matched customer to the consultant device (300).

[0091] A consulting management server (100) configured to include a DB storage unit (112) that stores at least one of the following: customer registration information, consultant registration information, financial psychology survey, money type classification criteria, answers to the financial psychology survey, money type report, financial status diagnosis text, financial status diagnosis evaluation criteria, customer's financial information, financial status diagnosis report, and consultant selection criteria;

[0092] A membership request unit (201) that receives personal information and index information of a consultant who recommended membership from a customer who wishes to sign up, and requests membership from a consulting management server (100).

[0093] When membership registration is approved by the administrator of the consulting management server (100), the financial psychology survey input unit (202) is configured to receive a financial psychology survey from the consulting management server (100) and receive answers to the survey, and transmits the answers to the financial psychology survey to the consulting management server (100).

[0094] After sending the answers to the financial psychology survey to the consulting management server (100), the money type type report receiving unit (203) receives the money type type report from the consulting management server (100).

[0095] When membership registration is approved by the administrator of the consulting management server (100), the financial status diagnosis message input unit (204) is configured to receive a financial status diagnosis message from the consulting management server (100) and receive an answer to the diagnosis message, and when an answer to the financial status diagnosis message is received, transmits it to the consulting management server (100).

[0096] Financial information provision processing unit (205) that processes approval to grant permission to view and collect customer financial information in real time through an open API from a consulting management server (100),

[0097] After obtaining financial information of a customer from the consulting management server (100), the financial status diagnosis report receiving unit (206) receives the financial status diagnosis report from the consulting management server (100).

[0098] A matching request unit (207) that requests consultant matching from a consulting management server (100), and when the customer device (200) and the consultant device (300) are matched, receives index information of the matched consultant from the consulting management server (100).

[0099] A customer device (200) comprising a money tutoring execution unit (208) that receives at least one of the following information generated from a consultant device (300): money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, and money tutoring financial goal information; and

[0100] A consultant registration request unit (301) that receives personal information and index information from a consultant who wishes to register as a consultant and requests consultant registration from the consulting management server (100),

[0101] A matching decision unit (302) receives a matching acceptance request from a consulting management server (100), is configured to allow a consultant to choose either acceptance or rejection regarding the received matching acceptance request, transmits the result to the consulting management server (100) when the consultant chooses either acceptance or rejection, and receives the subscription information of the customer who accepted the matching from the consulting management server (100) when the consultant accepts the matching.

[0102] Money type analysis information acquisition unit (303) that receives a money type type report of a matched customer from a consulting management server (100),

[0103] Financial status analysis information acquisition unit (304) that receives a financial status diagnosis report of a matched customer from a consulting management server (100),

[0104] The consultant device (300) is configured to include a money tutoring management unit (305) that receives input from a consultant and generates at least one of money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, and money tutoring financial goal information, and shares the generated information with a customer device (200).

[0106] The above money type classification criteria are composed of at least two detailed types selected by the manager from among the challenging type, thrifty type, investment type, idol type, victim type, reckless type, complacent type, naive type, and avoidant type, and assigned a percentage threshold.

[0108] The above financial psychology survey is composed of multiple multiple-choice questions that allow for the objective scoring of how well customers possess the tendencies or psychology consistent with each detailed type included in the above money type classification criteria, and to rate this as a percentage.

[0110] The above money type type analysis unit (104) is configured to calculate the score for each item of the detailed type of the above money type from the financial psychology survey answers received from the customer device (200), convert it into a percentage, and output the detailed type of the above money type that outputs a percentage greater than or equal to the threshold of the above money type classification criteria as the customer's money type type.

[0112] The open API used by the above financial information acquisition unit (107) to acquire financial information of a customer is configured to include at least one of the following: account balance inquiry API, account transaction history inquiry API, account real name inquiry API, account deposit API, account withdrawal API, user authentication API, account management API, securities transaction history inquiry API, deposit product API, installment savings product API, pension savings product API, personal credit loan product API, mortgage loan product API, Jeonse loan product API, and credit card approval history inquiry API.

[0114] The above customer subscription information processing unit (101) is configured to receive a membership request from a customer device (200) that includes the customer's personal information and index information of the consultant who recommended the subscription, and when the membership request is approved by an administrator, to store the membership information including the customer's personal information and index information of the consultant who recommended the subscription in the DB storage unit (112).

[0115] At this time, the customer's personal information may be composed of at least one of the following: customer ID, password, name, date of birth, gender, address, and occupation.

[0116] At this time, the index information of the consultant may be composed of at least one of the following: consultant ID, name, place of residence, profile photo image, certifications held by the consultant, the consultant's award history, and the consultant's career.

[0118] The above consultant registration information processing unit (102) is configured to receive a consultant registration request containing the consultant's personal information and index information from a consultant device (300), and when the consultant registration request is approved by an administrator, to store the registration information containing the consultant's personal information and index information in a DB storage unit (112).

[0119] At this time, the personal information of the consultant may be composed of at least one of the consultant ID, password, name, date of birth, gender, and address.

[0121] The above financial psychology survey management unit (103) is configured to receive financial psychology surveys and money type classification criteria written by a manager, store them in a DB storage unit (112), transmit the financial psychology survey to a customer device (200), and receive answers to the financial psychology survey from the customer device (200) and store them in the DB storage unit (112).

[0122] The above money type classification criteria are composed of at least two detailed types selected by the manager from among the challenging type, thrifty type, investment type, idol type, victim type, reckless type, complacent type, naive type, and avoidant type, and assigned a percentage threshold.

[0123] The above financial psychology survey is composed of multiple multiple-choice questions that allow for the objective scoring of how well customers possess the tendencies or psychology consistent with each detailed type included in the above money type classification criteria, and to rate this as a percentage.

[0124] In other words, the aforementioned financial psychology survey is,

[0125] Multiple-choice questions that can score whether a person possesses tendencies or psychology consistent with the challenge type, and

[0126] Multiple-choice questions that allow for a score-based judgment on whether a person possesses tendencies or psychology consistent with the thrifty type, and

[0127] Multiple-choice questions that can determine, by score, whether a person possesses tendencies or psychology consistent with the investment type, and

[0128] Multiple-choice questions that can determine, by score, whether a person possesses tendencies or psychology consistent with the idol type, and

[0129] Multiple-choice questions that can determine, by score, whether a person possesses tendencies or psychology consistent with the victimization type, and

[0130] Multiple multiple-choice questions that can determine, by score, whether a person possesses tendencies or psychology consistent with the model, and

[0131] Multiple-choice questions that can determine, by score, whether a person possesses tendencies or psychology consistent with the complacent type, and

[0132] Multiple-choice questions that can score whether a person possesses tendencies or psychology consistent with the naive type, and

[0133] It is composed of multiple-choice questions that allow for a score-based assessment of whether a person possesses tendencies or psychology consistent with the avoidant type.

[0135] The above money type type analysis unit (104) is configured to determine the customer's money type by comparing and analyzing the financial psychology survey answers received from the customer device (200) with the money type type classification criteria stored in the DB storage unit (112).

[0136] The above money type type analysis unit (104) is configured to calculate the score for each item of the detailed type of the above money type from the financial psychology survey answers received from the customer device (200), convert it into a percentage, and output the detailed type of the above money type that outputs a percentage greater than or equal to the threshold of the above money type classification criteria as the customer's money type type.

[0137] That is, the above money type classification criteria are divided into detailed types selected by the manager from among the challenging type, thrifty type, investment type, idol type, victim type, reckless type, complacent type, naive type, and avoidant type. After the manager selects a detailed type and assigns a percentage threshold, scores for each item of the detailed type of the money type are calculated from the financial psychology survey answers and converted into percentages. Among the percentages output for each detailed type, the detailed type that outputs a percentage greater than or equal to the threshold assigned by the manager is determined as the customer's money type.

[0139] The above money type type report management unit (105) is configured to generate a money type type report and store it in the DB storage unit (112) when the customer's money type type is determined, and to transmit it to at least one of the customer device (200) or the consultant device (300).

[0140] At this time, the above money type type report may be configured to further include a radial graph displaying the total percentages output by detailed type of the above money type and the total percentage thresholds entered by the manager.

[0141] At this time, the above money type type report may be configured to further include a bar graph displaying the total percentage output by detailed type of the above money type and the total percentage threshold entered by the manager.

[0143] The above financial status diagnosis statement management unit (106) is configured to receive a financial status diagnosis statement and financial status diagnosis evaluation criteria written by a manager, store them in a DB storage unit (112), transmit the financial status diagnosis statement to a customer device (200), and receive a response to the financial status diagnosis statement from the customer device (200) and store it in the DB storage unit (112) as the customer's financial information.

[0144] At this time, the financial information of the above customer may be composed of one or more of assets held, income, savings, insurance, liabilities, and investment assets.

[0146] The above financial information acquisition unit (107) is configured to obtain consent for the inquiry and collection of financial information from the customer device (200), acquire the customer's financial information in real time through an open API, and store it in the DB storage unit (112).

[0147] At this time, the financial information of the above customer may be composed of one or more of assets held, income, savings, insurance, liabilities, and investment assets.

[0148] At this time, the above-mentioned open API may be configured to include one or more of the following: account balance inquiry API, account transaction history inquiry API, account real name inquiry API, account deposit API, account withdrawal API, user authentication API, account management API, securities transaction history inquiry API, deposit product API, installment savings product API, pension savings product API, personal credit loan product API, mortgage loan product API, Jeonse loan product API, and credit card approval history inquiry API.

[0150] The above financial status diagnosis analysis unit (108) is configured to diagnose and analyze the financial status of a customer by comparing and analyzing the customer's financial information stored in the DB storage unit (112) with the financial status diagnosis evaluation criteria.

[0152] In this case, the above financial status diagnostic evaluation criteria may be configured to be calculated as the average value of the financial information of other customers of the same age.

[0153] At this time, the financial status of the customer diagnosed and analyzed by the financial status diagnosis analysis unit (108) may be determined by comparing the financial status diagnosis evaluation criteria (calculated average value) with the customer's financial information to determine whether the customer's financial information is above, similar to, or below the average value.

[0155] The above financial status diagnosis report management unit (109) is configured to generate a financial status diagnosis report and store it in the DB storage unit (112) and transmit it to at least one of the customer device (200) or the consultant device (300) when the financial status diagnosis analysis of the customer is completed.

[0157] The above immediate matching processing unit (110) is configured to immediately complete the matching process between the customer device (200) and the consultant device (300) of the consultant who recommended the subscription, and to transmit the customer's subscription information to the consultant device (300), if the customer's subscription information includes index information of the consultant who recommended the subscription.

[0159] The above-mentioned matching management unit (111) is configured such that, if the customer's subscription information does not include index information of the consultant who recommended the subscription, it receives a request for consultant matching from the customer device (200), selects consultants from 1st to Nth rank based on selection criteria based on the customer's money type report and financial status diagnosis report, requests acceptance of matching from the consultant device (300) of the selected consultant, and if the consultant device (300) that received the request for acceptance of matching rejects the matching, it repeats the process of requesting acceptance of matching from the consultant device (300) of the next-ranked consultant, and if the consultant device (300) that received the request for acceptance of matching accepts the matching, it processes the matching between the customer device (200) and the consultant device (300) as complete, transmits the index information of the matched consultant to the customer device (200), and transmits the subscription information of the matched customer to the consultant device (300).

[0161] The above DB storage unit (112) is configured to store at least one of the following: customer subscription information, consultant subscription information, financial psychology survey, money type classification criteria, answers to the financial psychology survey, money type report, financial status diagnosis text, financial status diagnosis evaluation criteria, customer's financial information, financial status diagnosis report, and consultant selection criteria.

[0163] The above membership request unit (201) is configured to receive personal information and index information of the consultant who recommended the membership from a customer who wishes to join, and to request membership from the consulting management server (100).

[0165] The above financial psychology survey input unit (202) is configured to receive a financial psychology survey from the consulting management server (100) and receive answers to the survey when membership registration is approved by the administrator of the consulting management server (100), and is configured to transmit answers to the financial psychology survey to the consulting management server (100) when answers to the financial psychology survey are received.

[0167] The above money type type report receiving unit (203) is configured to receive a money type type report from the consulting management server (100) after sending the answers to the financial psychology survey to the consulting management server (100).

[0169] The above financial status diagnosis question input section (204) is configured to receive a financial status diagnosis question from the consulting management server (100) and receive an answer to the diagnosis question when membership registration is approved by the administrator of the consulting management server (100), and is configured to transmit the answer to the financial status diagnosis question to the consulting management server (100) when the answer to the financial status diagnosis question is received.

[0171] The above financial information provision processing unit (205) is configured to process approval so that the consulting management server (100) is granted the authority to view and collect customers' financial information in real time through an open API.

[0173] The above financial status diagnosis report receiving unit (206) is configured to receive a financial status diagnosis report from the consulting management server (100) after obtaining the customer's financial information from the consulting management server (100).

[0175] The above-mentioned matching request unit (207) is configured to request consultant matching from the consulting management server (100), and when the customer device (200) and the consultant device (300) are matched, receive index information of the matched consultant from the consulting management server (100).

[0177] The above money tutoring execution unit (208) is configured to receive at least one of the following information generated from the consultant device (300): money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, money tutoring financial goal information, and money tutoring task information.

[0178] At this time, the consulting management server (100) may be configured to calculate the monthly average variable expenditure of customers of the same age from the financial information of the customers.

[0179] At this time, the money tutoring execution unit (208) may be configured to receive the monthly average variable expenditure of customers of the same age from the consulting management server (100).

[0180] At this time, the money tutoring execution unit (208) may be configured so that the customer sets a variable expenditure target amount for the following month and shares it with the consultant device (300).

[0181] At this time, the money tutoring execution unit (208) may be configured to receive from the customer the details of the variable expenditure actually spent in the current month against the variable expenditure target amount set in the previous month, and to share this information with the consultant device (300).

[0182] At this time, the money tutoring execution unit (208) may be configured to compare and analyze the actual variable expenditure details of the current month against the variable expenditure target amount set in the previous month, generate a graph of the increase / decrease rate, and share it with the consultant device (300).

[0183] At this time, the above variable expenditure target amount and the actual variable expenditure details for the current month can be classified and organized as 'Eat, Play, Takku, and Air'.

[0184] At this time, it is desirable to understand that the above 'Meokmanoltakku Gonggi' is a subdivision of the actual variable expenditure details of the current month into seven categories: eating, drinking, playing, riding, dressing, studying, and other expenses (expenses for special occasions, medical expenses, etc.).

[0186] The above consultant registration request unit (301) is configured to receive personal information and index information from a consultant who wishes to register as a consultant and to request consultant registration from the consulting management server (100).

[0188] The above-mentioned matching decision unit (302) is configured to receive a matching acceptance request from a consulting management server (100), and for the received matching acceptance request, for a consultant to select either acceptance or rejection. When the consultant selects either acceptance or rejection, this is transmitted to the consulting management server (100). When the consultant accepts the matching, the matching decision unit is configured to receive the subscription information of the customer who accepted the matching from the consulting management server (100).

[0190] The above money type analysis information acquisition unit (303) is configured to receive a money type type report of a matched customer from the consulting management server (100).

[0192] The above financial status analysis information acquisition unit (304) is configured to receive a financial status diagnosis report of a matched customer from the consulting management server (100).

[0194] The above money tutoring management unit (305) is configured to receive input from a consultant and generate at least one of the following: money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, money tutoring financial goal information, and money tutoring assignment information, and to share the generated information with a customer device (200).

[0195] At this time, the consulting management server (100) may be configured to calculate the monthly average variable expenditure of customers of the same age from the financial information of the customers.

[0196] At this time, the money tutoring management unit (305) may be configured to receive the monthly average variable expenditure of customers of the same age from the consulting management server (100).

[0197] At this time, the money tutoring management unit (305) may be configured to receive the variable expenditure target amount for the following month set by the customer from the customer device (200).

[0198] At this time, the money tutoring management unit (305) may be configured to receive from the customer device (200) the details of the variable expenditure actually spent by the customer in the current month regarding the variable expenditure target amount set in the previous month.

[0199] At this time, the money tutoring management unit (305) may be configured to compare and analyze the actual variable expenditure details of the current month against the variable expenditure target amount set in the previous month, generate a graph of the increase / decrease rate, and share it with the customer device (200).

[0200] At this time, the above variable expenditure target amount and the actual variable expenditure details for the current month can be classified and organized as 'Eat, Play, Takku, and Air'.

[0201] At this time, it is desirable to understand that the above 'Meokmanoltakku Gonggi' is a subdivision of the actual variable expenditure details of the current month into seven categories: eating, drinking, playing, riding, dressing, studying, and other expenses (expenses for special occasions, medical expenses, etc.).

[0203] Meanwhile, the consulting management server (100) may further include a money tutoring performance analysis processing unit (113) that receives a graph of the increase / decrease rate and a comparison analysis result of the actual variable expenditure details for the current month relative to the variable expenditure target amount from the money tutoring execution unit (208) of the customer device (200), analyzes the performance of the money tutoring conducted by all customers in the previous month to calculate the performance ranking for each customer, and grants excellent customer authority to the customer device (200) of a customer who has obtained a ranking higher than the threshold ranking set by the manager.

[0204] Additionally, the consulting management server (100) may further include a premium customer storytelling channel section (114) configured to provide a channel for a customer device (200) granted premium customer authority to open a storytelling room.

[0205] At this time, the storytelling room may be configured to provide real-time text chat and voice chat functions between a customer device (200) that has been granted excellent customer rights and a customer device (200) that has not been granted excellent customer rights.

[0206] At this time, the customer device (200) may further include a customer storytelling chat section (209) configured to allow the customer to directly open a storytelling room in the customer storytelling channel section (114) of the consulting management server (100) or enter an opened storytelling room when the customer is granted excellent customer authority from the consulting management server (100), and configured to allow the customer to enter an opened storytelling room in the customer storytelling channel section (114) of the consulting management server (100) when the customer is not granted excellent customer authority from the consulting management server (100).

[0207] At this time, the storytelling room opened by the customer device (200) that has been granted excellent customer rights can be configured to provide real-time text chat and voice chat functions between the customer device (200) that has been granted excellent customer rights and the customer device (200) that has not been granted excellent customer rights.

[0208] Therefore, within the storytelling room, VIP customers and general customers communicate with each other, and by allowing general customers to share financial management know-how and useful information from VIP customers, it becomes possible to provide the effect of further improving financial management performance.

[0210] Meanwhile, the consulting management server (100) may further include an untact open consulting channel section (115) configured to provide a channel for a consultant to open an untact open consulting room.

[0211] At this time, the above contactless open consulting room can be configured to provide real-time video meeting, text chat, and voice chat functions between the consultant device (300) and the customer device (200), thereby enabling non-face-to-face online lectures, meetings, and consulting.

[0212] At this time, the consultant device (300) may further include an untact open consulting provision unit (306) configured to directly open an untact open consulting room in the untact open consulting channel unit (115) of the consulting management server (100).

[0213] At this time, the customer device (200) may further include an untact open consulting access unit (210) configured to allow entry into an untact open consulting room opened in the untact open consulting channel unit (115) of the consulting management server (100).

[0214] At this time, the contactless open consulting room opened by the consultant device (300) is configured to provide real-time video meeting, text chat, and voice chat functions between the consultant device (300) and the customer device (200), thereby enabling non-face-to-face online lectures, meetings, and consulting.

[0215] Therefore, by allowing consultants and customers to conveniently and smoothly conduct consulting and money tutoring remotely within the contactless open consulting room, it becomes possible to provide the effect of further improving financial management performance.

[0217] Meanwhile, the consulting management server (100) may further include a custom mission performance analysis processing unit (116) that transmits the custom mission to other customers' customer devices (200) when it receives a custom mission generated from one customer's customer device (200).

[0218] At this time, the customer device (200) may further include a custom mission creation unit (211) configured to create a custom mission that can reduce variable expenses for a customer and transmit the created custom mission to the custom mission performance analysis processing unit (116).

[0219] At this time, the customer device (200) may further include a custom mission processing unit (212) configured to receive a custom mission created by another customer from the custom mission performance analysis processing unit (116) of the consulting management server (100), and to accept the received custom mission to perform a custom mission that can reduce variable expenses, or to reject the received custom mission.

[0220] At this time, by receiving the custom mission generated from one customer device (200) from other customers' devices (200) through the custom mission performance analysis processing unit (116) of the consulting management server (100) and accepting the custom mission, a party is formed to perform the custom mission, thereby inducing competition among customers, amplifying interest, and boosting motivation, which can provide the effect of further improving financial management performance.

[0222] Meanwhile, the consulting management server (100) may further include a money compatibility type management unit (117) that receives money compatibility type classification criteria written by an administrator and stores them in a DB storage unit (112).

[0223] At this time, the consulting management server (100) may further include a money compatibility type analysis unit (118) that determines the mutual money compatibility type for each customer using two different customer devices (200) by comparing and analyzing each of the two different money types determined by the money type type analysis unit (104) based on the financial psychology survey answers received from two different customer devices (200) with the money compatibility type classification criteria stored in the DB storage unit (112).

[0224] At this time, the consulting management server (100) may further include a money compatibility type report management unit (119) that, when a customer's money compatibility type is determined, generates a money compatibility type report, stores it in a DB storage unit (112), and transmits it to at least one of two different customer devices (200) or consultant devices (300).

[0225] At this time, the selection criteria for the matching management unit (111) of the consulting management server (100) to select consultants from 1st to Nth rank is based on the customer's money type report, financial status diagnosis report, and money compatibility type report when the customer device (200) requests consultant matching and the customer's subscription information does not include index information of the consultant recommended for subscription.

[0226] At this time, the DB storage unit (112) of the consulting management server (100) may be configured to further store money compatibility type classification criteria and money compatibility type reports.

[0228] Meanwhile, the above customer device (200) may be provided in multiple units so that two different customers can check each other's money compatibility types.

[0229] At this time, each of the plurality of customer devices (200) may further include a money compatibility type report receiving unit (213) that receives a money compatibility type report from the consulting management server (100) after transmitting answers to the financial psychology survey to the consulting management server (100).

[0231] Meanwhile, the consultant device (300) may further include a money compatibility type analysis information acquisition unit (307) that receives a money compatibility type report of a matched customer from a consulting management server (100).

[0233] Meanwhile, the detailed types of the above money type are configured to belong to either the plus category or the minus category, and the plus elements belonging to the plus category are composed of the challenge type, thrifty type, investment type, and idol type, and the minus elements belonging to the minus category may be composed of the victim type, reckless type, complacent type, naive type, and avoidance type.

[0235] At this time, the above money type is classified into Wealth type, Poor type, Middle type, All type, and Not all type depending on the superiority of the quantity of negative factors compared to positive factors.

[0237] At this time, if the amount of the positive element of the money type determined by the money type type analysis unit (104) is greater than the amount of the negative element, it is classified as a wealth type, and

[0238] If the negative factor of the money type determined by the money type type analysis unit (104) is greater than the amount of the positive factor, it is classified as a Poor type, and

[0239] If the quantity of the plus and minus elements of the money type determined by the above money type type analysis unit (104) is equal, it is classified as a Middle type, and

[0240] If the money type determined by the above money type type analysis unit (104) corresponds to all of the following types: challenge type, thrifty type, investment type, idol type, victim type, reckless type, complacent type, naive type, and avoidance type, it is classified as an All type.

[0241] If there is no money type determined by the above money type type analysis unit (104), it can be configured to be classified as a Not all type.

[0243] Meanwhile, the money compatibility type determined by the money compatibility type analysis unit (118) can be classified into mutual generation, mutual generation, and mutual incompatibility.

[0245] At this time, the mutual money type for each customer using two different customer devices (200) is,

[0246] [Wealth Type and Wealth Type] or,

[0247] In the case of [Wealth type and Middle type], the money compatibility type is determined to be mutual.

[0249] At this time, the mutual money type for each customer using two different customer devices (200) is,

[0250] [Wealth type and Poor type] or,

[0251] [Wealth type and All type] or,

[0252] [Wealth type and Not all type] or,

[0253] [Middle type and Middle type] or,

[0254] [Middle type and Poor type] or,

[0255] [Middle type and All type] or,

[0256] In the case of [Middle type and Not all type], the money compatibility type is determined to be symbiosis.

[0258] At this time, the mutual money type for each customer using two different customer devices (200) is,

[0259] [Poor type and Poor type] or,

[0260] [Poor Type and All Type] or,

[0261] [Poor type and Not all type] or,

[0262] [All Type and All Type] or,

[0263] [All type and Not all type] or,

[0264] In the case of [Not all type and Not all type], the money compatibility type is determined to be incompatible.

[0266] Therefore, the present invention is,

[0267] It has the effect of providing a financial consulting system that analyzes the financial psychology of customers and identifies the money type and the money compatibility type between customers, and enables consultants to provide customized money tutoring consulting to customers according to the customer's money type and the money compatibility type between customers.

[0268] In addition, the present invention has the effect of providing a financial consulting system that enables a consultant to provide customized money tutoring consulting to a customer by taking into account various characteristics of the customer, such as investment propensity, consumption propensity, savings propensity, values ​​regarding money, sincerity, will, planning ability, and greed.

[0269] In addition, the present invention has the effect of providing a financial consulting system that can effectively perform financial management and prevent financial risks by receiving money tutoring consulting from a consultant with professional financial knowledge, and increase stability and profitability by efficiently holding, managing, and operating an individual's financial resources.

[0271] Although the present invention has been described above based on the drawings, this is merely illustrative, and since various substitutions, modifications, and changes are possible within the scope of the technical concept of the invention, it is not limited to the aforementioned embodiments and drawings. Explanation of the symbols

[0273] 100 : Consulting Management Server 200 : Customer Device 300 : Consultant Device

Claims

Claim 1 In a financial consulting system, a customer subscription information processing unit (101) receives a membership request from a customer device (200) that includes the customer's personal information and index information of the consultant who recommended the membership, and when the membership request is approved by an administrator, stores the membership information including the customer's personal information and index information of the consultant who recommended the membership in a DB storage unit (112); a consultant registration information processing unit (102) receives a consultant registration request from a consultant device (300) that includes the consultant's personal information and index information, and when the consultant registration request is approved by an administrator, stores the membership information including the consultant's personal information and index information in a DB storage unit (112); a financial psychology survey management unit (103) receives a financial psychology survey and money type classification criteria written by an administrator, stores them in a DB storage unit (112), transmits the financial psychology survey to the customer device (200), and receives answers to the financial psychology survey from the customer device (200) and stores them in a DB storage unit (112); and from the customer device (200) A money type type analysis unit (104) that determines the customer's money type by comparing and analyzing the answers to the financial psychology survey with the money type classification criteria stored in the DB storage unit (112) when the customer's money type is determined; a money type type report management unit (105) that generates a money type report, stores it in the DB storage unit (112), and transmits it to at least one of the customer device (200) or the consultant device (300) when the customer's money type is determined; a financial status diagnosis text management unit (106) that receives financial status diagnosis text and financial status diagnosis evaluation criteria written by a manager, stores them in the DB storage unit (112), transmits the financial status diagnosis text to the customer device (200), receives answers to the financial status diagnosis text from the customer device (200), and stores them in the DB storage unit (112) as the customer's financial information.A financial information acquisition unit (107) that obtains consent for the inquiry and collection of financial information from a customer device (200), acquires the customer's financial information in real time via an open API, and stores it in a DB storage unit (112); a financial status diagnosis analysis unit (108) that diagnoses and analyzes the customer's financial status by comparing and analyzing the financial information stored in the DB storage unit (112) with financial status diagnosis evaluation criteria; a financial status diagnosis report management unit (109) that, when the customer's financial status diagnosis analysis is completed, generates a financial status diagnosis report, stores it in the DB storage unit (112), and transmits it to at least one of the customer device (200) or the consultant device (300); an immediate matching processing unit (110) that, if the customer's subscription information includes index information of the consultant who recommended the subscription, immediately completes the matching process between the customer device (200) and the consultant device (300) of the consultant who recommended the subscription, and transmits the customer's subscription information to the consultant device (300); and if the customer's subscription information does not include index information of the consultant who recommended the subscription, the customer After receiving a request for consultant matching from a device (200), a matching management unit (111) selects consultants from 1st to Nth rank based on selection criteria derived from the customer's money type report and financial status diagnosis report, requests the consultant device (300) of the selected consultant to accept the matching, and if the consultant device (300) that received the request for matching acceptance rejects the matching, requests the consultant device (300) of the next-ranked consultant to accept the matching, and if the consultant device (300) that received the request for matching acceptance accepts the matching, processes the matching between the customer device (200) and the consultant device (300) as complete, transmits the index information of the matched consultant to the customer device (200), and transmits the subscription information of the matched customer to the consultant device (300), customer subscription information, consultant subscription information, financial psychology survey, money type classification criteria, answers to the financial psychology survey, money type report, financial status diagnosis text,A consulting management server (100) configured to include a DB storage unit (112) that stores at least one of financial status diagnostic evaluation criteria, customer financial information, financial status diagnostic report, and consultant selection criteria; a membership request unit (201) that receives personal information and index information of a consultant who recommended membership from a customer wishing to join and requests membership from the consulting management server (100); a financial psychology survey input unit (202) configured to receive a financial psychology survey from the consulting management server (100) and receive answers to the survey when membership is approved by the administrator of the consulting management server (100), and transmits the answers to the financial psychology survey to the consulting management server (100) when they are received; a money type type report receiving unit (203) that receives a money type type report from the consulting management server (100) after the answers to the financial psychology survey are transmitted to the consulting management server (100); and when membership is approved by the administrator of the consulting management server (100), the consulting management A financial status diagnosis message input unit (204) configured to receive a financial status diagnosis message from a server (100) and receive an answer to the diagnosis message, and transmits the answer to the financial status diagnosis message to a consulting management server (100) when it is received; a financial information provision processing unit (205) that processes approval to grant permission to view and collect customer financial information in real time through an open API from the consulting management server (100); a financial status diagnosis report receiving unit (206) that receives a financial status diagnosis report from the consulting management server (100) after the consulting management server (100) has obtained the customer's financial information; a matching request unit (207) that requests consultant matching from the consulting management server (100), and receives index information of the matched consultant from the consulting management server (100) when the customer device (200) and the consultant device (300) are matched; and money tutoring contract information, money tutoring schedule information, and money tutoring consultation information generated from the consultant device (300). Money Tutoring Financial Planning InformationA customer device (200) configured to include a money tutoring execution unit (208) that receives at least one of the money tutoring financial goal information; a consultant registration request unit (301) that receives personal information and index information from a consultant who wishes to register as a consultant and requests consultant registration from a consulting management server (100); a matching decision unit (302) configured to receive a matching acceptance request from the consulting management server (100) and allow the consultant to choose either acceptance or rejection regarding the received matching acceptance request, and when the consultant chooses either acceptance or rejection, transmits this to the consulting management server (100); and when the consultant accepts the matching, receives the subscription information of the matched customer from the consulting management server (100); a money type analysis information acquisition unit (303) that receives a money type type report of the matched customer from the consulting management server (100); a financial status analysis information acquisition unit (304) that receives a financial status diagnosis report of the matched customer from the consulting management server (100); and the input of the consultant A consultant device (300) configured to include a money tutoring management unit (305) that receives and generates at least one of money tutoring contract information, money tutoring schedule information, money tutoring consultation information, money tutoring financial planning information, and money tutoring financial goal information, and shares the generated information with a customer device (200); wherein the consulting management server (100) is configured to calculate the monthly average variable expenditure of customers of the same age from the customer's financial information, and the money tutoring execution unit (208) is configured to receive the monthly average variable expenditure of customers of the same age from the consulting management server (100), and is configured to allow the customer to set a variable expenditure target amount for the following month and share it with the consultant device (300), and is configured to receive input from the customer regarding the variable expenditure target amount set in the previous month and share it with the consultant device (300).The above consultant device (300) is configured to compare and analyze the actual variable expenditure details of the current month against the variable expenditure target amount set in the previous month, generate a graph of the increase / decrease rate, and share it with the consultant device (300); the above money tutoring management unit (305) is configured to receive the monthly average variable expenditure of customers of the same age from the above consulting management server (100), and is configured to receive the variable expenditure target amount for the next month set by the customer from the customer device (200); it is configured to receive the variable expenditure details actually spent by the customer in the current month against the variable expenditure target amount set in the previous month from the above customer device (200); it is configured to compare and analyze the actual variable expenditure details of the current month against the variable expenditure target amount set in the previous month, generate a graph of the increase / decrease rate, and share it with the above customer device (200); and the above consulting management server (100) receives the actual variable expenditure details of the current month against the variable expenditure target amount from the money tutoring execution unit (208) of the above customer device (200). The system is further configured to include a money tutoring performance analysis processing unit (113) that receives the results of a comparative analysis of variable expenditure details and a graph of the rate of increase / decrease, analyzes the performance of money tutoring conducted by all customers in the previous month to calculate a performance ranking for each customer, and grants excellent customer authority to the customer device (200) of a customer who has obtained a ranking above a threshold ranking set by the administrator, and an excellent customer storytelling channel unit (114) configured to provide a channel for the customer device (200) granted excellent customer authority to open a storytelling room, wherein the customer device (200) is configured to directly open a storytelling room in the excellent customer storytelling channel unit (114) of the consulting management server (100) or enter an opened storytelling room when it is granted excellent customer authority from the consulting management server (100), and when it is not granted excellent customer authority from the consulting management server (100),The consulting management server (100) further comprises a premium customer storytelling chat section (209) configured to allow entry into a storytelling room opened in the premium customer storytelling channel section (114) of the consulting management server (100), wherein the storytelling room is opened by a customer device (200) granted premium customer authority and is configured to provide real-time text chat and voice chat functions between a customer device (200) granted premium customer authority and a customer device (200) not granted premium customer authority, and the consulting management server (100) comprises a money compatibility type management section (117) that receives money compatibility type classification criteria written by an administrator and stores them in a DB storage section (112), and compares and analyzes each of the two different money type types determined by the money type type analysis section (104) based on financial psychology survey answers received from two different customer devices (200) with the money compatibility type classification criteria stored in the DB storage section (112) to determine the two different customers The system is further configured to include a money compatibility type analysis unit (118) that determines the mutual money compatibility type for each customer using the device (200), and a money compatibility type report management unit (119) that, when the customer's money compatibility type is determined, generates a money compatibility type report, stores it in a DB storage unit (112), and transmits it to at least one of two different customer devices (200) or a consultant device (300); the selection criteria for the matching management unit (111) to select consultants from 1st to Nth rank are based on the customer's money type report, financial status diagnosis report, and money compatibility type report when the customer device (200) requests consultant matching and the customer's subscription information does not include index information of the consultant who recommended the subscription; the DB storage unit (112) is configured to further store money compatibility type classification criteria and money compatibility type reports; and the customer device (200) is configured such that two different customers mutually Provided in multiple types to check money compatibility,Each of the plurality of customer devices (200) is configured to further include a money compatibility type report receiving unit (213) that receives a money compatibility type report from the consulting management server (100) after transmitting answers to a financial psychology survey to the consulting management server (100), and the consultant device (300) is configured to further include a money compatibility type analysis information acquiring unit (307) that receives a money compatibility type report of a matched customer from the consulting management server (100), characterized in that it is a money compatibility analysis-based money tutoring financial consulting system. Claim 2 A money tutoring financial consulting system based on money compatibility analysis, characterized in that, in claim 1, the money type classification criteria comprises at least two detailed types selected by a manager from among the challenging type, thrifty type, investment type, idol type, victim type, reckless type, complacent type, naive type, and avoidant type, and assigned a percentage threshold. Claim 3 A money tutoring financial consulting system based on money compatibility analysis, characterized in that, in Clause 2, the financial psychology questionnaire comprises multiple multiple-choice questions capable of objectively quantifying and rating as a percentage the degree to which a customer possesses a matching tendency or psychology for each detailed type included in the money type classification criteria. Claim 4 In claim 3, the money type type analysis unit (104) is configured to calculate a score for each item of the detailed type of the money type from the financial psychology survey answers received from the customer device (200), convert it into a percentage, and output it, and to determine the detailed type of the money type for which a percentage greater than or equal to the threshold of the money type classification criteria is output as the customer's money type, thereby forming a money tutoring financial consulting system based on money compatibility analysis. Claim 5 A money tutoring financial consulting system based on money compatibility analysis, characterized in that, in Clause 2, the detailed types of the above money type are configured to belong to either a plus category or a minus category, the plus elements belonging to the plus category consist of a challenging type, a thrifty type, an investment type, and an upward type, and the minus elements belonging to the minus category consist of a victim type, a reckless type, a complacent type, a naive type, and an avoidance type. Claim 6 In Clause 5, the above money type is classified into Wealth type, Poor type, Middle type, All type, and Not all type depending on the superiority of the quantity of negative elements compared to positive elements; if the quantity of positive elements of the money type determined by the above money type type analysis unit (104) is greater than the quantity of negative elements, it is classified as Wealth type; if the quantity of negative elements of the money type determined by the above money type type analysis unit (104) is greater than the quantity of positive elements, it is classified as Poor type; if the quantity of positive elements and negative elements of the money type determined by the above money type type analysis unit (104) are equal, it is classified as Middle type; and the money type determined by the above money type type analysis unit (104) is Challenge type, Frugal type, Investment type, Upward type, Damage type, Reckless type, Complacent type, A money tutoring financial consulting system based on money compatibility analysis, characterized in that it is classified as an All type when it corresponds to both the naive type and the avoidant type, and is classified as a Not all type when there is no money type determined by the money type type analysis unit (104). Claim 7 In Clause 6, the money compatibility type determined by the money compatibility type analysis unit (118) is classified and configured into mutual generation, symbiosis, and incompatibility, and when the mutual money type types for each customer using two different customer devices (200) are [Wealth type and Wealth type] or [Wealth type and Middle type], the money compatibility type is determined as mutual generation, and when the mutual money type types for each customer using two different customer devices (200) are [Wealth type and Poor type], [Wealth type and All type], [Wealth type and Not all type], [Middle type and Middle type], or [Middle type and A money tutoring financial consulting system based on money compatibility analysis, characterized in that the money compatibility type is determined to be symbiotic when [Poor type], [Middle type and All type], or [Middle type and Not all type], and the mutual money type types for each customer using two different customer devices (200) are [Poor type and Poor type], [Poor type and All type], [Poor type and Not all type], [All type and All type], [All type and Not all type], or [Not all type and Not all type].

Images