Apparatus and Method for Asset Notification Service

Abstract

An asset notification service device and method are disclosed. An asset notification service method according to one embodiment of the present invention comprises: (a) a step of obtaining asset information of an authenticated user by accessing a pre-configured institution server at the occurrence of an event or at a predetermined interval; and (b) a step of supporting the transmission of asset change details to the user's terminal and displaying them on a screen when the asset information changes by more than a pre-configured range by the user, wherein step (b) supports the transmission of change details for each asset to the user's terminal and displaying them on a screen when the user possesses various types of assets.

Description

Technology Field

[0001] The present invention relates to an asset notification service device and method, and specifically to a new type of asset notification service device and method that continuously monitors a user's asset fluctuations and provides asset fluctuation information more intelligently by considering the characteristics of the asset fluctuations and the context of the user's economic activities, while simultaneously interacting with the user as needed to provide the user with useful information for asset management or asset protection. Background Technology

[0002] Recently, various forms of financial accidents, such as embezzlement, voice phishing, and account theft, have been occurring frequently during the use of financial institutions and services, leading to widespread anxiety throughout society regarding the safety of individuals' financial assets. In particular, with the popularization of non-face-to-face financial transactions and mobile-based asset management services, there is a growing number of cases where assets are leaked or abnormal transactions occur without the user's direct awareness.

[0003] Meanwhile, existing financial asset management services often remain at the level of notifying asset details through specific channels, such as the financial institution's dedicated app, or providing simple transaction alerts, which has limited users' ability to fully perceive the context or risks of asset fluctuations and respond in a timely manner.

[0004] Accordingly, there is a growing demand for a new type of asset notification service that continuously monitors users' asset fluctuations, provides information on these changes more intelligently by considering their characteristics and the context of their economic activities, and offers useful information for asset management or protection through interaction as needed. To meet these demands, technological means are required that go beyond simple asset notification to interpret asset fluctuations in a personalized manner and support responses. The problem to be solved

[0005] The objective of the present invention is to provide an asset notification service device and method that supports a user in quickly and efficiently recognizing their asset status by receiving asset information from a plurality of institutional servers while the user is authenticated, and providing details of the asset change to a user terminal when an asset change exceeds a threshold set by the user in advance.

[0006] The objective of the present invention is to provide an asset notification service device and method that predicts asset fluctuations within a certain period based on a user's past asset fluctuation history and economic activity history, and notifies the user terminal in advance if the prediction result exceeds a set standard, thereby supporting the user in recognizing potential future asset fluctuations in advance and preparing for them.

[0007] The objective of the present invention is to provide an asset notification service device and method that improve the accuracy and reliability of asset prediction by analyzing the correlation between a user's economic activity history and asset fluctuation history to more precisely predict the scale and timing of asset increases and decreases.

[0008] The objective of the present invention is to provide an asset notification service device and method equipped with an interactive asset management support function, which, when an asset change occurs, asks the user whether there is a need to provide an asset management or asset growth strategy, and provides relevant strategy information based on the user's consent.

[0009] The objective of the present invention is to provide an asset notification service device and method that systematically support the improvement of a user's asset status by analyzing the user's economic activity history and asset composition information to derive asset management or asset growth strategies.

[0010] The objective of the present invention is to provide an asset notification service device and method that improve the stability of an asset structure by analyzing the proportions among cash assets, financial assets, and real estate assets held by a user and guiding a direction for adjusting asset proportions to mitigate asset volatility or asset concentration.

[0011] The objective of the present invention is to provide an asset notification service device and method that support an asset growth strategy suitable for a user's situation by comprehensively considering the user's asset size, income generation cycle, economic activity history, and asset market information to suggest investment possibilities and investment directions for at least one of non-financial assets (including real estate assets) and financial assets.

[0012] The objective of the present invention is to provide an asset notification service device and method equipped with a stepwise and interactive investment support function based on market information by displaying asset market information related to non-financial assets and financial assets on a user terminal screen, querying whether it is necessary to provide an asset investment strategy based on said information, and then providing an investment strategy upon the user's consent.

[0013] The objective of the present invention is to provide an asset notification service device and method that support the prevention of financial accidents by continuously monitoring the history of asset increases and decreases of a user to determine abnormal asset fluctuation patterns in light of past asset fluctuation history or economic activity history, and providing abnormal transaction detection information to the user and, if necessary, to financial institutions or relevant authorities.

[0014] The objective of the present invention is to provide an intelligent asset notification service device and method tailored to a user's situation by dynamically controlling the transmission timing, frequency, and display method of asset change notifications in consideration of user context information.

[0015] The objective of the present invention is to provide a user-customized asset notification service device and method by enabling a user to directly set asset change notification conditions, such as date, amount, whether assets have increased or decreased, and notification method, and by providing asset change history according to the set conditions. means of solving the problem

[0016] A method for an asset notification service of a device according to an embodiment of the present invention for achieving the above-mentioned purpose comprises: (a) a step of obtaining asset information of an authenticated user by accessing a pre-configured institution server upon the occurrence of an event or at predetermined intervals; and (b) a step of supporting the transmission of asset change details to a user's terminal and displaying them on a screen when the asset information changes by more than a range pre-configured by the user. In this case, if the user possesses multiple types of assets, step (b) supports the transmission of change details for each asset to the user's terminal and displaying them on a screen.

[0017] Additionally, the above step (b) may include (b1) a step of predicting the increase or decrease of a user's assets within a certain period based on the user's past asset fluctuations and economic activity history, and (b2) a step of supporting the transmission of asset increase or decrease prediction information to a user terminal and displaying it on a screen if it is determined that the user's asset fluctuation will exceed a pre-set range based on the prediction result.

[0018] Additionally, the above economic activity history includes at least one of receiving a salary, purchasing goods, using services, making regular payments, and investing in assets, and step (b) may include a step of analyzing the correlation between the history of past asset fluctuations that occurred in correspondence with the above economic activity history to predict the scale of the user's asset increase or decrease and / or the timing of the occurrence of the asset increase or decrease within a certain period.

[0019] In addition, the above asset notification service method may further include the step of inquiring of the user whether to provide an asset management or asset growth strategy based on the asset change history, and (d) when consent to provide the strategy is received from the user, the step of supporting the transmission of at least one asset management or asset growth strategy information to the user terminal based on the user's asset information or economic activity history and displaying it on the screen.

[0020] In addition, the above asset management or asset growth strategy information is derived by analyzing the user's economic activity history or asset composition information and may include at least one of (i) an expenditure adjustment strategy for items among recurring expenditure items that affect asset reduction, (ii) a strategy for determining the amount and / or timing of savings possible based on income cycles or balance fluctuation patterns, (iii) a strategy for adjusting the proportion or frequency of use among multiple assets, and (iv) a new asset investment strategy based on asset size, asset composition, or economic activity propensity.

[0021] In addition, the above (iii) strategy may include a strategy that analyzes the proportion of cash assets, financial assets, and real estate assets held by the user and suggests a direction for adjusting the proportion of assets to mitigate asset volatility or asset concentration.

[0022] In addition, the above (iv) strategy may include investment potential and investment direction strategies for at least one of real estate assets and financial assets based on at least some of the user's asset size, income generation cycle, economic activity history and asset market information.

[0023] Additionally, the above step (d) includes (d1) a step of displaying asset market information related to non-financial assets and financial assets on a user terminal screen, (d2) a step of inquiring whether to provide an asset investment strategy to the user based on at least some of the user's asset size, income generation cycle, economic activity history and asset market information, and (d3) a step of supporting the display of investment possibilities and / or investment direction strategies for at least one of non-financial assets and financial assets on a user terminal screen when consent to provide an asset investment strategy is received from the user, wherein the asset market information may include at least one of market trends, price fluctuation trends, changes in trading volume, or index information.

[0024] In addition, the above step (b) further includes (b3) a step of monitoring the user's asset increase / decrease history to determine whether an abnormal asset fluctuation pattern has occurred in light of past asset fluctuation history or economic activity history, and (b4) a step of supporting the transmission of abnormal transaction detection information regarding the pattern to a user terminal and displaying it on a screen when it is determined that an abnormal asset fluctuation pattern has occurred, and the abnormal transaction detection information may be supported to be transmitted to at least one of a financial institution server or a relevant authority server according to conditions or consents pre-set by the user.

[0025] Additionally, the above step (b) further includes the step of collecting or verifying user context information including user's current status information when asset change history occurs (b5), wherein the user context information includes at least one of asset notification service provision time information, user's past or present location information, and recent asset change information, and the asset change history transmitted to the user terminal may be provided differently in at least one of the transmission time, transmission frequency, and display method according to a weight or priority calculated based on the user context information.

[0026] Additionally, the above step (b) may include a step of supporting the transmission of asset change details to a user terminal and displaying them on a screen according to the set conditions when the user sets at least one of the date, amount, increase / decrease, and notification method as conditions for displaying asset change details.

[0027] An asset notification service device according to an embodiment of the present invention for achieving the above-mentioned purpose comprises a communication unit that receives asset information of an authenticated user by connecting to a pre-configured institution server at the time of an event or at predetermined intervals, and a processor that controls the transmission of asset change details to a user terminal and displaying them on a screen when the asset information changes by more than a range pre-configured by the user, wherein the processor supports the transmission of change details for each asset to the user terminal and displaying them on a screen when the user possesses various types of assets. Effects of the invention

[0028] According to the present invention, by receiving asset information from multiple institutional servers while the user is authenticated and providing the details of the change to the user terminal when an asset change exceeds a preset standard, the user can be provided with the effect of quickly and intuitively recognizing the status of their assets.

[0029] According to the present invention, by predicting the increase or decrease in assets within a certain period based on the user's past asset fluctuation history and economic activity history, and providing advance notice when the prediction result exceeds a set standard, the user can be provided with the effect of recognizing the possibility of future asset fluctuations in advance and responding in a planned manner.

[0030] According to the present invention, by analyzing the correlation between a user's economic activity history and asset fluctuation history to precisely predict the scale and timing of asset increase or decrease, it is possible to provide the effect of improving the accuracy and reliability of asset fluctuation prediction.

[0031] According to the present invention, when a change in assets occurs, the user is asked whether there is a need to provide an asset management or asset growth strategy, and by providing strategy information based on the user's consent, the effect of implementing an interactive asset management support function that communicates with the user can be provided.

[0032] According to the present invention, by analyzing the user's economic activity history and asset composition information to derive asset management or asset growth strategies, it is possible to provide the effect of systematically and consistently supporting the improvement of the user's asset status.

[0033] According to the present invention, by analyzing the proportions among cash equivalents, financial assets, and real estate assets held by a user and guiding the direction of asset proportion adjustment that can mitigate asset volatility or asset concentration, it is possible to provide the effect of improving the stability of the asset structure.

[0034] According to the present invention, by comprehensively considering the user's asset size, income generation cycle, economic activity history, and asset market information, and presenting the possibility of investment and the direction of investment for at least one of non-financial assets and financial assets, it is possible to provide the effect of supporting an asset growth strategy suitable for the user's situation.

[0035] According to the present invention, by displaying asset market information related to non-financial assets and financial assets on a user terminal screen, querying whether there is a need to provide an investment strategy based on the information, and then providing the strategy upon the user's consent, it is possible to provide the effect of implementing a step-by-step and interactive investment support function based on market information.

[0036] According to the present invention, by continuously monitoring the history of increases and decreases in a user's assets to determine abnormal asset fluctuation patterns in light of past asset fluctuation history or economic activity history, and by providing abnormal transaction detection information to the user and, if necessary, to financial institutions or relevant authorities, it is possible to provide the effect of preventing financial accidents in advance or minimizing damage.

[0037] According to the present invention, by dynamically controlling the transmission timing, frequency, and display method of asset change notifications by considering user context information, it is possible to provide the effect of providing an intelligent asset notification service suitable for the user's situation.

[0038] According to the present invention, by enabling a user to directly set asset change notification conditions such as date, amount, whether the asset has increased or decreased, and notification method, and by providing asset change history according to the set conditions, it is possible to provide the effect of implementing a user-customized asset notification service. Brief explanation of the drawing

[0039] FIG. 1 is a schematic diagram showing the operation concept of an asset notification service system according to one embodiment of the present invention. FIG. 2 is a block diagram showing the configuration of an asset notification service device according to one embodiment of the present invention. FIG. 3 is a drawing showing the screen of a user terminal according to an embodiment of the present invention. FIG. 4 is a drawing showing the screen of a user terminal according to an embodiment of the present invention. FIG. 5 is a drawing showing the screen of a user terminal according to an embodiment of the present invention. FIG. 6 is a drawing showing a screen of a user terminal according to an embodiment of the present invention. FIG. 7 is a flowchart of an asset notification service method according to an embodiment of the present invention. Specific details for implementing the invention

[0040] Hereinafter, various embodiments according to the present invention will be described with reference to the attached drawings.

[0041] In this process, the thickness of lines or the size of components depicted in the drawings may be exaggerated for the sake of clarity and convenience of explanation. Furthermore, the terms described below are defined considering their functions in the present invention, and these may vary depending on the intent or convention of the user or operator. Therefore, the definitions of these terms should be based on the content throughout this specification.

[0042] Embodiments of the present invention are described below with reference to the attached drawings so that those skilled in the art can easily implement them. However, the present invention may be embodied in various different forms and is not limited to the embodiments described herein. Furthermore, in order to clearly explain the present invention in the drawings, parts unrelated to the explanation have been omitted, and similar parts throughout the specification are denoted by similar reference numerals.

[0043] Throughout the specification, when a part is described as "including" a certain component, this means that, unless specifically stated otherwise, it does not exclude other components but may include additional components.

[0044] Terms and words used in this specification and claims should not be interpreted as being limited to their ordinary or dictionary meanings, but should be interpreted in a meaning and concept consistent with the technical spirit of the invention, based on the principle that the inventor can appropriately define the concept of the terms to best describe his invention.

[0045] Therefore, the embodiments described in this specification and the configurations illustrated in the drawings are merely some of the most preferred embodiments of the invention and do not represent all of the technical spirit of the invention; thus, it should be understood that various equivalents and modifications capable of replacing them may exist at the time of filing this application. Furthermore, as used herein, "comprise", "include" and / or "comprising", "including" specify the presence of the mentioned features, numbers, steps, actions, parts, elements, and / or groups thereof, and do not exclude the presence or addition of one or more other features, numbers, actions, parts, elements, and / or groups. Additionally, when describing embodiments of the invention, "may" or "may be" may include "one or more embodiments of the invention."

[0046] Additionally, to aid in understanding the invention, the attached drawings are not drawn to actual scale, and the dimensions of some components may be exaggerated. Furthermore, the same reference numerals may be assigned to identical components in different embodiments.

[0047] The statement that two subjects of comparison are 'identical' means that they are 'substantially identical.' Therefore, substantial identity may include deviations considered low in the industry, for example, deviations within 5%. Additionally, the statement that a parameter is uniform in a given area may mean that it is uniform from an average perspective.

[0048] 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.

[0049] Throughout the specification, unless specifically stated otherwise, each component may be singular or plural.

[0050] The fact 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.

[0051] Furthermore, where it is stated that one component is "connected," "coupled," or "connected" to another component, it should be understood that while said components may be directly connected or connected to each other, another component may be "interposed" between each component, or that each component may be "connected," "coupled," or "connected" through another component. Additionally, when it is stated that a part is electrically coupled with another part, this includes not only cases where they are directly connected but also cases where they are connected with another component in between.

[0052] Throughout the specification, "A and / or B" means A, B, or A and B unless specifically stated otherwise. That is, "and / or" includes any combination or any combination of the enumerated items. "C to D" means C or more and D or less, unless specifically stated otherwise.

[0053] In the specification, the expression "supports OO" means that one device provides data, transmits control commands, performs authentication, provides a UI, performs operations, or performs other actions to enable another device to perform certain actions.

[0054] FIG. 1 is a schematic diagram showing the operation concept of an asset notification service system according to one embodiment of the present invention.

[0055] Referring to FIG. 1, an asset notification service system (1000) according to one embodiment of the present invention includes an asset notification service device (100), an asset management agency server (200), and a user terminal (300).

[0056] The asset management institution server (200) is an institution that records the user's (10) assets in a ledger and manages the details of changes. Specifically, the asset management institution server (200) is a device that records the user's (10) assets related to deposits, payments, investments, real estate, etc., in the form of a ledger and manages the details of increases, decreases, and changes in assets following the occurrence of transactions. Here, "asset management institution" refers to a bank, card company, securities company, insurance company, Supreme Court, cryptocurrency exchange, cryptocurrency issuing institution, etc., that manages the user's (10) financial or non-financial assets. The asset management institution server (200) may be configured to provide the user's (10) asset information to an external system based on the user's (10) authentication information or consent to provide asset data.

[0057] The asset management institution server (200) records and manages asset change events, such as deposits, withdrawals, payments, and investment transactions, in real-time or at predetermined intervals, and may include a communication interface for transmitting asset information or asset change history to an external server or device. Additionally, the asset management institution server (200) may be configured to include access control, encryption, and log management functions to maintain data integrity and security.

[0058] The asset notification service device (100) is configured to establish a communication connection with a plurality of asset management institution servers (200) at the time of an event or at predetermined intervals, and to receive asset information corresponding to an authenticated user (10) through a user authentication procedure. At this time, the asset information may include the current status and change history of assets, such as deposit balances, payment history, and investment asset status. The asset notification service device (100) determines whether there has been an asset change and the range of the change by comparing the received asset information with criteria previously set by the user (10).

[0059] The asset notification service device (100) supports transmitting the details of the change in the asset to the user terminal (300) and displaying them on the screen when, based on the above judgment result, the asset information changes beyond a range previously set by the user (10). In particular, if the user (10) holds multiple assets of different types, such as deposits, cards, insurance, real estate, virtual currency, and investment assets, the asset notification service device (100) generates details of the change separated by each asset and provides them individually to the user terminal (300), thereby enabling the user (10) to intuitively recognize and manage the change situation by asset type.

[0060] The asset notification service device (100) may be implemented as a server, a computing device, or a similar information processing device, and may be composed of a hardware configuration including a processor, memory, and a communication module. The processor is configured to perform operations related to receiving asset information, determining asset fluctuations, generating and transmitting notifications, and the memory may be configured to store programs executed by the processor, user setting information, and data related to asset processing. Additionally, the asset notification service device (100) may include a wired or wireless communication interface for communicating with an asset management agency server (200) and a user terminal (300) via a network, and this configuration may be implemented as a single physical device or in a distributed form of multiple devices.

[0061] At this time, the asset notification service device (100) is configured to allow the user (10) to set conditions regarding asset change notifications through the user terminal (300) in order to reflect the user's personal preference regarding the method of receiving and checking asset change details. These conditions may include at least one of the date the asset change occurred, the magnitude of the change amount, whether the asset increased or decreased, and the method of providing the notification. The asset notification service device (100) selectively transmits asset change details according to the set conditions and supports displaying them on the screen of the user terminal (300), thereby minimizing unnecessary notifications and providing a user-customized asset notification service.

[0062] The embodiments of the present invention will be described in more detail below.

[0063] FIG. 2 is a block diagram showing the configuration of an asset notification service device according to one embodiment of the present invention.

[0064] Referring to FIG. 2, an asset notification service device (100) according to one embodiment of the present invention includes a communication unit (110) and a processor (120).

[0065] The communication unit (110) is configured to establish a communication connection with the asset management agency server (200) at the time of an event or at predetermined intervals to transmit and receive asset information corresponding to the authenticated user (10). Here, the occurrence of an event may be a change in the user's (10) asset information exceeding a pre-set standard, a rapid change in the asset market or exchange rate market, or the occurrence of a major social event. Examples of changes in the user's (10) asset information may include, for instance, deposits or withdrawals exceeding a certain amount, repeated increases or decreases in assets within a short period, or rapid changes in the value of a specific asset. Such events may be detected in the process in which the asset notification service device (100) analyzes the asset information received from the asset management agency server (200) in real-time or periodically, and control may be exercised to transmit asset change details and provide notifications depending on whether an event occurs.

[0066] The communication unit (110) transmits the received asset information to the processor (120) to support the determination of whether there is an asset change and the performance of notification control. Additionally, the communication unit (110) performs the role of providing asset change information to the user (10) by transmitting asset change history, notification messages, or data for screen display to the user terminal (300) according to the control of the processor (120).

[0067] The communication unit (110) may be implemented by including a hardware module that supports wired or wireless communication and software or firmware for controlling said communication. For example, the communication unit (110) may include a network interface card, a wireless communication chipset, a modem, or equivalent hardware, and may include a software module for processing communication protocols such as TCP / IP, HTTPS, API-based communication, or MyData linkage protocol. This communication unit (110) may be implemented within a single device or configured to be interoperable with multiple communication modules in a distributed system environment.

[0068] The processor (120) processes asset information of the user (10) received through the communication unit (110) to determine whether there is a change in assets, and performs the function of controlling the transmission of the details of the asset change to the user terminal (300) so that they are displayed on the screen if the asset information changes beyond a range pre-set by the user (10). In particular, if the user (10) holds multiple assets of different types, such as deposits, cards, and investment assets, the processor (120) generates details of changes separated by each asset and provides them to the user terminal (300), thereby controlling the user (10) to individually recognize the change situation by asset type.

[0069] The processor (120) may include a central processing unit (CPU), a microprocessor, or an equivalent computing device, and may be configured to perform asset change determination, notification generation, and transmission control by executing program instructions stored in memory. Additionally, the processor (120) may include software modules or algorithms for asset information comparison, condition determination, asset-specific data classification, and notification control, and may be configured to operate in parallel or sequentially by implementing a single processor or a plurality of processors in a distributed form.

[0070] In addition to the communication unit (110) and processor (120) described above, the asset notification service device (100) may further include, although not shown in the drawing, a storage unit for storing data, a power supply unit for supplying power, a control unit for operation control and state management, an output unit for outputting results, and other components to assist in the operation of the device. These components may be implemented as a single module or distributed across multiple modules, and their configuration and connection methods may be varied depending on the application environment and purpose of use of the device.

[0071] The asset notification service device (100) may be implemented as a server, personal computer (PC), workstation, or various equivalent information processing devices, and may be configured as a single device or implemented in a distributed form with multiple devices connected via a network. Additionally, depending on the installation environment or service type, the device may be implemented as a cloud server, a server system in a data center, or an on-premises device.

[0072] FIGS. 3 and 4 are drawings showing the screen of a user terminal according to an embodiment of the present invention.

[0073] As illustrated in FIG. 3, the processor (120) processes asset information of the user (10) received through the communication unit (110) to determine whether there is a change in assets, and if the asset information changes beyond a range previously set by the user (10), it supports transmitting the details of the change in the asset to the user terminal (300) so that they are displayed on the screen. Additionally, as illustrated in FIG. 4, if the user (10) holds multiple assets of different types, such as deposits, cards, pensions, and investment assets, the processor (120) generates details of changes separated by each asset and provides them to the user terminal (300) so that they are displayed, thereby supporting the user (10) to individually recognize the change situation for each type of asset.

[0074] In addition, according to one embodiment of the present invention, the processor (120) is configured to analyze the past asset fluctuation history and economic activity history of the user (10) received or stored through the communication unit (110) to predict the possibility that the user's (10) assets will increase or decrease within a certain period. In addition, the processor (120) compares the prediction result with a standard pre-set by the user (10), and if it is determined that the asset fluctuation will occur beyond a set range, generates prediction information regarding the increase or decrease in assets, and transmits the prediction information to the user terminal (300) to display it on the screen, thereby supporting the user (10) to recognize the possibility of future asset fluctuations in advance.

[0075] FIG. 5 is a drawing showing the screen of a user terminal according to an embodiment of the present invention.

[0076] The processor (120) is configured to process the economic activity history and past asset fluctuation history of the user (10) received or stored through the communication unit (110), and to analyze the correlation between at least one economic activity among receiving a salary, purchasing goods, using services, regular payments, and investing assets, and the corresponding asset fluctuation. Based on the results of this correlation analysis, the processor (120) predicts the scale of the user's (10) asset increase or decrease and / or the timing of the asset increase or decrease within a certain period, and if the predicted asset increase or decrease information needs to be provided to the user (10), it supports transmitting the information to the user terminal (300) so that it is displayed on the screen, thereby enabling the user (10) to perceive the pattern of their asset change more precisely.

[0077] That is, as shown in Fig. 5, if the account balance increases, the cause of the increase in the balance can be indicated as, “Salary was deposited from Nonghyup Bank on December 1, 2025,” and future increases or decreases in the balance can be predicted as, “At the end of this month, 1.5 million won for card payments and 500,000 won for management fees will be withdrawn, so the balance is expected to be OO million won.”

[0078] Additionally, the processor (120) generates a query regarding whether to provide an asset management or asset growth strategy to the user (10) based on the asset change history and provides it to the user terminal (300). When consent to provide an asset management or asset growth strategy is received from the user (10), the processor analyzes the user's (10) asset information or economic activity history to generate at least one asset management or asset growth strategy information, and supports transmitting the generated asset management or asset growth strategy information to the user terminal (120) so that it is displayed on the screen.

[0079] That is, as illustrated in FIG. 5, the processor (120) can ask the user terminal (300) a question, “Shall we think together about how to increase account assets?” and when a response to the question is received from the user (10), it can analyze the user’s (10) asset information or economic activity history to generate at least one asset management or asset increase strategy information and support presenting an asset increase strategy on the screen of the user terminal (120).

[0080] At this time, the processor (120) can support the generation and presentation of at least one of the following: (i) a strategy to identify items among the user's (10) recurring expenditure items that affect asset reduction and to adjust the expenditure of said items; (ii) a strategy to determine the amount that can be saved and / or the timing of savings based on the user's (10) income cycle or balance fluctuation pattern; (iii) a strategy to adjust the proportion or frequency of use among multiple assets held by the user (10); and (iv) an investment strategy for new assets based on the user's (10) asset size, asset composition, or propensity for economic activity.

[0081] The processor (120), using the above (i) strategy, analyzes the economic activity history of the user (10) to identify specific expenditure items among recurring expenditure items that affect asset reduction, calculates or receives the average expenditure cost for the same expenditure item of the economic group to which the user (10) belongs, compares the calculated average expenditure cost with the user's (10) expenditure cost to calculate the amount or percentage of the user (10) spending in excess of the average, provides the calculated comparison result to the user terminal (300), and supports generating a cost reduction method or expenditure adjustment plan to reduce the excess expenditure and providing guidance on the screen of the user terminal (300).

[0082] In one embodiment, the processor (120) identifies the details of electricity bill expenditure from the user's (10) asset information or economic activity history to calculate the electricity bill that the user (10) spends, retrieves the average electricity bill expenditure information of a four-person household that is stored in advance or received from an external agency, compares the average electricity bill expenditure with the user's (10) electricity bill expenditure to calculate whether there is an excess and the difference, and transmits the calculated comparison result to the user terminal (300) to display it on the screen, thereby enabling the user (10) to intuitively recognize their level of electricity bill expenditure by comparing it with the average of a four-person household.

[0083] Meanwhile, the processor (120) may generate and provide expenditure adjustment strategies as cost reduction methods or expenditure adjustment plans, such as setting an expenditure limit for specific expenditure items, extending or adjusting the expenditure cycle, suggesting alternative low-cost expenditure items, or scenarios for limiting expenditure for a certain period. These strategies may be provided differentially based on the user's (10) asset composition, expenditure ratio relative to income, or history of responses to past expenditure adjustments.

[0084] In the above-described embodiment, the processor (120) can support the creation and provision of an expenditure restriction scenario for a certain period based on the calculated comparison of electricity expenditures. If the processor (120) determines that the user's (10) electricity expenditure exceeds the average electricity expenditure of a four-person household that is pre-stored or received from an external agency, it can provide an expenditure adjustment strategy to save on electricity bills by considering seasonal factors. At this time, the processor (120) can support the provision of electricity bill saving tips to the user terminal (300) as an expenditure restriction scenario for a certain period, such as guidance on the recommended range of indoor heating temperatures, adjustment of usage time for appliances with high power consumption, methods to cut off standby power, or inducing the use of electricity during times when electricity rates are relatively low, by considering the possibility of an increase in electricity bills due to the use of heating appliances during the winter. Through this, the user (10) can intuitively recognize and selectively accept specific behavioral guidelines to mitigate electricity expenditures based on the result of comparing their electricity expenditure level with the average.

[0085] The processor (120) can support the provision of a strategy, by (ii) analyzing the fluctuation pattern of the user's (10) income cycle or asset balance, to derive an amount that can be saved and an appropriate time to perform the saving without hindering the user's (10) daily expenses. Here, the income cycle may include the date of salary receipt, the date of regular income generation, or the frequency of irregular income generation, and the balance fluctuation pattern may include the pattern of balance increase and decrease over a certain period after income generation, a period of concentrated spending, or a period of balance stability. The above strategy may be configured to induce asset accumulation while minimizing the possibility of a temporary shortage of funds due to saving, by considering the user's (10) asset flow.

[0086] For example, the processor (120) can identify from the user's past asset information and economic activity history that the salary receipt date occurs repeatedly on a specific date each month, and analyze the period during which the account balance remains relatively stable for a certain period after the salary is received. Accordingly, the processor (120) can calculate a saving amount based on the balance level immediately after the salary is received or after major fixed expenses occur, and determine the appropriate time to transfer the amount to an automatic transfer or savings product as the time to save. Additionally, the strategy can be provided by adjusting the time to save to avoid periods of high balance volatility, or by flexibly reducing the savings amount when a risk of balance reduction is detected. Through this, the user (10) can be guided on a savings strategy that aligns with their income and expenditure flow.

[0087] According to one embodiment of the present invention, the processor (120) may support the provision of a strategy that, as the (iii) strategy, analyzes the proportions of cash assets, financial assets, and real estate assets held by the user (10) and proposes a direction for adjusting asset proportions to mitigate risks caused by concentration or excessive volatility in asset composition. Here, asset proportion may refer to the ratio that each asset type occupies in the total assets, and asset volatility may include the range of fluctuation or frequency of fluctuation in asset value. The strategy may be provided in a direction that mitigates concentration on specific assets or induces balance between asset types by comprehensively considering the user's (10) asset composition status, asset fluctuation history, and economic activity propensity.

[0088] In one embodiment, the processor (120) can calculate the current proportion of cash-like assets, financial assets, and real estate assets from the asset information of the user (10) and determine whether the proportion deviates from a preset standard range or is excessively concentrated in a specific asset type. For example, if the proportion of a specific non-financial asset (e.g., cryptocurrency) is relatively high in the total assets and the price volatility of the non-financial asset is analyzed to be high, the processor (120) may suggest converting a portion of the asset into cash-like assets or diversifying it into assets with high long-term stability to mitigate asset volatility. Additionally, if the proportion of cash-like assets is excessively high, a proportion adjustment strategy may be provided to move some funds to financial assets or real estate-related assets, taking into account asset utilization efficiency.

[0089] According to one embodiment of the present invention, the processor (120) may, by the strategy (iv), analyze at least some of the user's (10) asset size, income generation cycle, economic activity history, and asset market information to generate and provide a strategy to suggest whether the user (10) can consider investing in at least one of non-financial assets and financial assets, and to suggest a direction for such investment. Here, the asset market information may include fluctuations in the yield of financial products, real estate market trends, changes in interest rates, or macroeconomic indicators. The strategy may be configured to identify investment targets with potential for asset growth while preventing excessive investment risk by considering the user's (10) asset status and income structure, and to guide the user (10) toward a suitable investment direction.

[0090] Specifically, the processor (120) can analyze the current asset size and cash flow from the user's (10) asset information and determine whether the income generation cycle is constant or whether the balance volatility is within an acceptable range. For example, if it is analyzed that the user's (10) income is generated regularly and a surplus fund above a certain level is continuously maintained, the processor (120) can suggest the possibility of diversified investment in financial assets or guide the direction of investment in real estate assets from a long-term perspective. On the other hand, if the asset volatility is high or the income generation cycle is irregular, it can be configured to suggest an investment direction focused on financial assets with high short-term liquidity. Additionally, if it is determined that the investment risk of a specific asset type is increasing based on asset market information, it can be provided to the user terminal (300) in a direction including adjustment of the investment timing or limitation of the investment weight.

[0091] Additionally, when at least one asset management or asset growth strategy information is displayed on the screen of the user terminal (300), the processor (120) collects asset market information related to non-financial assets and financial assets and supports displaying at least one of market trends, price fluctuation trends, trading volume changes, or index information on the screen of the user terminal (300). Along with the asset market information displayed to the user (10), the processor (120) may support providing a query regarding whether to provide an asset investment strategy by comprehensively considering at least some of the user's (10) asset size, income generation cycle, economic activity history, and asset market information. When consent to provide an asset investment strategy is received from the user (10), the processor (120) may generate an investment possibility and / or investment direction strategy for at least one of the non-financial assets and financial assets based on the user's (10) asset status and asset market information, and support displaying this on the screen of the user terminal (300).

[0092] For example, the processor (120) can collect multiple overseas market indicator data from the previous day, perform time series analysis thereon to predict short- and medium-term stock price fluctuation trends, and based on this, provide the results of the final market prediction to the user (10) by reflecting real-time event information such as breaking news, exchange rate fluctuations, information on surges in trading volume, program trading patterns of foreigners or institutions, and government policy announcements. The processor (120) can support presenting the user's asset investment strategy based on this prediction information.

[0093] FIG. 6 is a drawing showing a screen of a user terminal according to an embodiment of the present invention.

[0094] According to one embodiment of the present invention, as shown in FIG. 6, the processor (120) can display the increase or decrease in apartment prices in the user's residential area on the screen of the user terminal (300), displaying, "The price of OOO apartment has decreased by 0.5% compared to the previous week," and support asking the question, "Shall we look for better properties nearby?" When the user (10) touches the question, the processor can inform the user (10) of better options, such as adding a slightly larger deposit, taking into account the user's (10) cash flow.

[0095] Additionally, the processor (120) can display the price fluctuation of the virtual currency or stock held on the screen of the user terminal (300), displaying "The OOO stock price is down 0.5% compared to the previous day," and can support asking the question "Shall we think about future investment strategies together?" When the user (10) touches the question, the processor can present a price outlook for the relevant virtual currency or stock considering the user's (10) cash flow or assets, and suggest better investment options.

[0096] Meanwhile, the processor (120) can continuously monitor the asset fluctuation history of the user (10) to help detect abnormal asset fluctuation patterns. Specifically, the processor (120) can monitor the increase and decrease history of the user's (10) assets and determine or help determine whether the asset fluctuation deviates from a normal range in light of the user's (10) past asset fluctuation history or economic activity history. For example, if an asset decrease of more than a certain amount occurs in a short period regardless of the usual expenditure pattern or income cycle, or if a type of transaction that has not been repeated suddenly occurs, this can be determined as an abnormal asset fluctuation pattern. If the processor (120) determines that an abnormal asset fluctuation pattern has occurred, it can generate abnormal transaction detection information including at least some of the time of occurrence, amount, type of transaction, or related account information of the fluctuation, and transmit it to the user terminal (300) to be displayed on the screen. Additionally, abnormal transaction detection information may be transmitted to at least one of a financial institution server or a relevant authority server in accordance with pre-set conditions or consent from the user (10), and configured to enable a rapid response to the possibility of fraudulent transactions or accidents.

[0097] Additionally, the processor (120) may collect or verify user context information related to the asset change when an asset change occurs. Here, the user context information may include at least one of the time information where the asset notification service is provided, the user's past or present location information, and recent asset change information. Based on the user context information, the processor (120) may evaluate the importance or urgency of the asset change history and calculate a weight or priority accordingly. At this time, depending on the calculated weight or priority, the timing, transmission frequency, or display method on the screen of the asset change history being transmitted to the user terminal (300) may be controlled differently, and thereby the asset notification provided to the user (10) may be adjusted to be more suitable for the user's (10) current situation.

[0098] For example, if the processor (120) determines that the user (10) is at work based on location information during business hours, it may assign weights to reduce the frequency of sending notifications for minor asset changes or display them in a summarized form. On the other hand, if the user (10) is in non-business hours or has a history of a large decrease in assets occurring within a short period of time, it may assign high priority to the asset change history to send notifications immediately or highlight them at the top of the screen. In this way, by applying weights or priorities differently according to user context information, it is possible to support providing notifications in a manner suitable for the user's situation, even for the same asset change.

[0099] FIG. 7 is a flowchart of an asset notification service method of a device according to one embodiment of the present invention.

[0100] Referring to FIG. 7, an asset notification service method of a device according to an embodiment of the present invention includes: (a) a step of obtaining asset information of an authenticated user by accessing a pre-configured institution server at the time of an event or at a predetermined interval (S710); (b) a step of supporting the transmission of asset change details to the user's terminal and displaying them on a screen when the asset information changes by more than a pre-configured range by the user (S720-Y) (S730); and in step (b), if the user possesses various types of assets, the change details for each asset may be transmitted to the user's terminal and displayed on a screen.

[0101] According to one embodiment of the present invention, the aforementioned asset notification service method may be stored in a non-transient recording medium. The non-transient recording medium stores instructions executable by a computer or processor and supports the execution of the stored instructions to perform the asset notification service method of the device. Specifically, the non-transient recording medium may store instructions for performing the steps of: connecting to a pre-configured institution server to obtain asset information of an authenticated user upon the occurrence of an event or at predetermined intervals; and transmitting asset change details to a user's terminal and displaying them on a screen when the asset information changes by more than a range pre-configured by the user, thereby supporting the execution of the service by a computer or processor.

[0102] The above-mentioned non-transient recording medium may include a non-volatile storage medium capable of storing data in a computer-readable form, and may be implemented as a hard disk drive (HDD), a solid-state drive (SSD), flash memory, an optical disc, or a combination thereof. Additionally, the above-mentioned non-transient recording medium may include not only a physical storage device but also a cloud-based storage space accessible via a network, and the cloud-based storage space may be implemented in a form distributed and stored on remote servers. The above-mentioned non-transient recording medium may be fixedly mounted inside a device or provided in the form of a removable storage device, or may be configured to support the storage and reading of instructions, data, or program code by being connected to a processor via wired or wireless communication in a cloud environment.

[0103] Although the present invention has been described above with reference to limited embodiments and drawings, the present invention is not limited thereto, and it is obvious that various modifications and variations are possible within the scope of the technical spirit of the present invention and the equivalent scope of the claims described below by those skilled in the art to which the present invention belongs. Explanation of the symbols

[0105] 1000 : Asset Notification Service System 100 : Asset notification service device 200 : Institution Server 300 : User terminal 10 : User

Claims

Claim 1 A method for providing asset notification services for a device comprises: (a) a step of obtaining asset information of an authenticated user by connecting to a plurality of pre-configured institutional servers that each manage different asset information at the time of an event or at predetermined intervals; (b) a step of supporting the transmission of asset change details to the user's terminal and displaying them on a screen when the asset information changes beyond a range pre-set by the user; (c) a step of querying the user to determine whether to provide an asset management or asset growth strategy based on the asset change details; and (d) a step of supporting the transmission of a strategy for investing in assets to the user's terminal and displaying it on the screen, based on the user's asset size, asset composition, or economic activity propensity, when consent to provide the asset management or asset growth strategy is received from the user; wherein step (b) supports the generation of a separate change history for each asset type when the user holds a plurality of different types of assets, and supports the transmission of this history to the user's terminal and displaying it on the screen, and the plurality of different types of assets include deposits, investments, and pensions; and step (d) includes: (d1) a step of supporting the display of asset market information related to real estate assets and financial assets on the user's terminal screen; (d2) a step of querying the user whether to provide a detailed asset investment strategy based on the user's asset size, income generation cycle, economic activity history, and asset market information;and (d3) a step of supporting the display of a financial asset diversification investment strategy or a long-term real estate asset investment strategy on the user's terminal screen when consent to provide a detailed asset investment strategy is received from the user, and it is determined that the user's income is generated regularly and surplus funds exceeding a preset value in the user's assets are maintained for a predetermined period, wherein the asset market information includes at least one of market trends, price fluctuation trends, changes in trading volume, or index information; Claim 2 A method according to claim 1, wherein step (b) comprises: (b1) a step of predicting an increase or decrease in the user’s assets within a certain period based on the user’s past asset fluctuations and economic activity history; and (b2) a step of transmitting asset increase or decrease prediction information to the user’s terminal and supporting it to be displayed on a screen when, based on the prediction result, it is determined that the user’s asset fluctuation will occur above a predetermined range. Claim 3 In paragraph 2, the economic activity history includes at least one of receiving a salary, purchasing goods, using a service, making a regular payment, and investing in assets, and the step (b1) includes analyzing the correlation between the past asset fluctuation history that occurred in response to the economic activity history to predict the scale of the user's asset increase / decrease and / or the timing of the occurrence of the asset increase / decrease within the specified period. Claim 4 delete Claim 5 delete Claim 6 delete Claim 7 delete Claim 8 delete Claim 9 The method according to claim 1, wherein step (b) further comprises: (b3) a step of monitoring the history of asset increase or decrease of the user to determine whether an abnormal asset fluctuation pattern has occurred in light of the user's past asset fluctuation history or economic activity history; and (b4) a step of, when it is determined that an abnormal asset fluctuation pattern has occurred, supporting the transmission of abnormal transaction detection information regarding the abnormal asset fluctuation pattern to the user's terminal and displaying it on the screen, wherein the abnormal transaction detection information is supported to be transmitted to at least one of a financial institution server or a relevant authority server according to a pre-set condition or consent from the user. Claim 10 In claim 1, the step (b) further comprises (b5) a step of collecting or verifying user context information including current status information of the user when the asset change history occurs, wherein the user context information includes at least one of time information where the asset notification service is provided, past or present location information of the user, and recent asset change information, and the asset change history transmitted to the user's terminal and displayed on the screen is provided differently in at least one of the time of transmission to the user's terminal, transmission frequency, and display method according to a weight or priority calculated based on the user context information. Claim 11 A method according to claim 1, wherein step (b) comprises the step of, when at least one of a date, amount, increase / decrease, and notification method is set by the user as a condition for the user terminal to receive and display asset change details, the method of supporting the transmission of asset change details to the user terminal and displaying them on the screen according to the set condition. Claim 12 A communication unit that receives asset information of an authenticated user by connecting to a plurality of pre-configured institutional servers, each managing different asset information, at the time of an event or at predetermined intervals; and if the asset information changes beyond a range pre-set by the user, the processor controls the transmission of asset change details to the user's terminal to be displayed on the screen; wherein the processor, when the user holds a plurality of different types of assets, generates separate change details for each asset type and controls the transmission to the user's terminal to be displayed on the screen, wherein the plurality of different types of assets include deposits, investments, and pensions; the processor queries the user regarding whether to provide an asset management or asset growth strategy based on the asset change details; and when consent to provide the asset management or asset growth strategy is received from the user, controls the transmission of an investment strategy for the asset to the user's terminal to be displayed on the screen based on the user's asset size, asset composition, or economic activity propensity; the processor controls the display of asset market information related to real estate assets and financial assets on the user's terminal screen; and when consent to provide the detailed asset investment strategy is received from the user, and the user's income is generated regularly and from the user's assets A device that controls the display of a financial asset diversification investment strategy or a long-term real estate asset investment strategy on the terminal screen of the user when it is determined that surplus funds exceeding a set value are maintained for a predetermined period, wherein the asset market information includes at least one of market trends, price fluctuation trends, changes in trading volume, or index information.

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