System for providing simulated financial transaction service using step-by-step theoretical learning

Abstract

Provided is a system for providing a simulated financial transaction service using step-by-step theoretical learning, comprising: a user terminal on which a user takes a quiz when registering so that his / her level is measured and performs step-by-step theoretical learning corresponding to the level, and on which the range of a simulated financial transaction is extended each time the step-by-step theoretical learning is completed step by step; and a financial transaction service provision server comprising a storage unit that maps a quiz for measuring the level of a financial transaction to a level according to an answer and stores same, a measurement unit that measures a level when the quiz is conducted on the user terminal, a theoretical learning unit that performs step-by-step theoretical learning corresponding to the level, a simulation practice unit that extends the range of the simulated financial transaction when the step-by-step theoretical learning is completed on the user terminal, and a settlement unit that performs settlement by reflecting a profit or a loss according to the simulated financial transaction when the simulated financial transaction is completed on the user terminal.

Description

A system that provides simulated financial transaction services using step-by-step theoretical learning.

[0001] The present invention relates to a system for providing a simulated financial transaction service using step-by-step theoretical learning, and provides a learning platform that leads to step-by-step theoretical learning, simulated financial transactions, and actual financial transactions.

[0002] Faced with a complex economic downturn characterized by high interest rates, high exchange rates, high inflation, and low growth, demand for economics and management books is increasing. However, the financial literacy of Korean college students remains low compared to the level required for aspiring business leaders. Their understanding of topics they will encounter in real-world financial transactions after graduation, such as student loan repayment, savings tools, and investment methods, is low, highlighting the need for effective and sustained financial education. The Financial Supervisory Service has been promoting and implementing practical finance courses as a liberal arts subject to provide college students with practical financial knowledge relevant to everyday life. However, the effectiveness of these courses remains minimal. A domestic analysis of the educational effects of stock simulation games and the effectiveness of stock simulations in economic education, along with numerous previous studies on the effectiveness of stock simulations, generally supports the view that simulations are useful for economic and financial education.

[0003] At this time, a method of providing a service by combining simulated investment in stocks or virtual currency with a game was studied and developed. In relation to this, prior art Korean Patent Registration No. 10-1625180 (announced on May 30, 2016) and Korean Patent Publication No. 2020-0054921 (published on May 20, 2020) include a configuration in which a membership registration event of a protected terminal and a guardian terminal is received from a guardian terminal, a game activation event is transmitted to the guardian terminal when a game activation event is transmitted from the protected terminal, a preset blue chip stock is listed and transmitted to the guardian terminal and the protected terminal, and when a purchase event is received from the protected terminal or the guardian terminal, if the number of purchases for the object of the purchase event is less than the preset number of purchases, the purchase event is approved, and after receiving data from a virtual currency exchange, a simulated investment is made by selecting the range of increase and decrease based on the real-time market price, and a reward is paid if the simulated investment is correct. Each configuration is disclosed.

[0004] However, the former system does not teach students how to read and invest in overall economic trends. Instead, it simply allows trading based on a quota of transactions until the quota is reached. The latter system, while requiring students to read economic trends and make predictions, does not provide any basis or instruction for these predictions. Therefore, research and development are needed to enhance learning by building financial knowledge through quizzes designed to teach financial theory and rewarding students based on the results of simulated investments.

[0005] One embodiment of the present invention provides a system for providing a simulated financial transaction service using step-by-step theoretical learning, wherein the system measures the user's level by having the user solve a quiz when registering on a user terminal, allows the user to learn financial theories appropriate to the measured level, internalizes financial knowledge through repeated learning and quizzes, and allows the user to participate in simulated financial transactions using points earned through learning. As the step-by-step theoretical learning progresses, the level of the simulated financial transaction that the user can participate in also increases, and provides an effect similar to that of an actual investment by paying out profits in cash according to the performance of the simulated financial transaction. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem described above, and other technical problems may exist.

[0006] As a technical means for achieving the above-described technical task, one embodiment of the present invention includes a financial transaction service providing server including a user terminal that measures a level by conducting a quiz upon registration, conducts step-by-step theoretical learning corresponding to the level, and expands the scope of a simulated financial transaction each time the step-by-step theoretical learning is completed step by step; a storage unit that maps and stores the quiz measuring the level of a financial transaction and the level according to the response; a measuring unit that measures the level when a quiz is conducted on a user terminal; a theoretical learning unit that conducts step-by-step theoretical learning corresponding to the level; a simulation training unit that expands the scope of a simulated financial transaction when the step-by-step theoretical learning is completed on a user terminal; and a settlement unit that reflects and settles profits or losses resulting from a simulated financial transaction when a simulated financial transaction is completed on a user terminal.

[0007] According to any one of the problem solving means of the present invention described above, when proceeding with registration on a user terminal, a user measures the level by having the user solve a quiz, learns financial theories appropriate to the measured level, internalizes financial knowledge through repeated learning and quizzes, and allows participation in simulated financial transactions using points obtained through learning, the level of simulated financial transactions that can be participated in is set to increase as the theoretical learning progresses step by step, and by paying out the profit in cash according to the performance generated from the simulated financial transactions, it is possible to provide an effect similar to that of an actual investment.

[0008] Figure 1 is a drawing for explaining a system for providing a simulated financial transaction service using step-by-step theoretical learning according to one embodiment of the present invention.

[0009] Figure 2 is a block diagram for explaining a financial transaction service provision server included in the system of Figure 1.

[0010] FIG. 3 and FIG. 4 are drawings for explaining an example of a simulated financial transaction service implemented using step-by-step theoretical learning according to one embodiment of the present invention.

[0011] Figure 5 is a flowchart illustrating a method for providing a simulated financial transaction service using step-by-step theoretical learning according to one embodiment of the present invention.

[0012] Below, with reference to the attached drawings, embodiments of the present invention are described in detail so that those skilled in the art can easily implement them. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, irrelevant parts have been omitted for clarity of description, and similar reference numerals have been used throughout the specification to indicate similar elements.

[0013] Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected" but also the case where it is "electrically connected" with another element in between. Furthermore, when a part is said to "include" a component, this should be understood to mean that, unless specifically stated to the contrary, it may include other components rather than excluding them, and does not preclude the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0014] The terms "about," "substantially," and the like used throughout the specification are used in a sense of degree or in a sense close to the numerical value when manufacturing and material tolerances inherent to the meanings mentioned are presented, and are used to prevent unscrupulous infringers from unfairly exploiting disclosures that mention precise or absolute numerical values ​​to aid understanding of the present invention. The terms "step of doing" or "step of" used throughout the specification of the present invention do not mean "step for doing."

[0015] In this specification, the term "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be realized by using two or more pieces of hardware, and two or more units may be realized by one piece of hardware. Meanwhile, the "unit" is not limited to software or hardware, and the "unit" may be configured to be on an addressable storage medium or may be configured to reproduce one or more processors. Accordingly, as an example, the "unit" includes components such as software components, object-oriented software components, class components, and task components, as well as processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functionality provided within the components and "units" may be combined into a smaller number of components and "units," or further separated into additional components and "units." Additionally, components and '~parts' may be implemented to regenerate one or more CPUs within a device or secure multimedia card.

[0016] Some of the operations or functions described herein as being performed by a terminal, apparatus, or device may instead be performed by a server connected to the terminal, apparatus, or device. Similarly, some of the operations or functions described herein as being performed by a server may also be performed by a terminal, apparatus, or device connected to the server.

[0017] In this specification, some of the operations or functions described as terminal and mapping or matching may be interpreted to mean mapping or matching the terminal's unique number or personal identification information, which is the terminal's identifying data.

[0018] The present invention will be described in detail with reference to the attached drawings below.

[0019] FIG. 1 is a diagram illustrating a system for providing a simulated financial transaction service using step-by-step theoretical learning according to one embodiment of the present invention. Referring to FIG. 1, the system (1) for providing a simulated financial transaction service using step-by-step theoretical learning may include at least one user terminal (100), a financial transaction service providing server (300), and at least one financial institution server (400). However, the system (1) for providing a simulated financial transaction service using step-by-step theoretical learning of FIG. 1 is merely one embodiment of the present invention, and thus the present invention is not limited thereto.

[0020] At this time, each component of FIG. 1 is generally connected via a network (Network, 200). For example, as illustrated in FIG. 1, at least one user terminal (100) may be connected to a financial transaction service providing server (300) via a network (200). In addition, the financial transaction service providing server (300) may be connected to at least one user terminal (100) and at least one financial institution server (400) via the network (200). In addition, at least one financial institution server (400) may be connected to the financial transaction service providing server (300) via the network (200).

[0021] Here, a network means a connection structure that enables information exchange between each node, such as multiple terminals and servers, and examples of such networks include a local area network (LAN), a wide area network (WAN), the Internet (WWW), a wired and wireless data communication network, a telephone network, and a wired and wireless television communication network. Examples of wireless data communication networks include, but are not limited to, 3G, 4G, 5G, 3GPP (3rd Generation Partnership Project), 5GPP (5th Generation Partnership Project), 5G NR (New Radio), 6G (6th Generation of Cellular Networks), LTE (Long Term Evolution), WIMAX (World Interoperability for Microwave Access), Wi-Fi, the Internet, LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN (Personal Area Network), RF (Radio Frequency), Bluetooth networks, NFC (Near-Field Communication) networks, satellite broadcasting networks, analog broadcasting networks, and DMB (Digital Multimedia Broadcasting) networks.

[0022] In the following, the term "at least one" is defined as a term including both singular and plural, and it will be clear that even if the term "at least one" does not exist, each component can exist in the singular or plural and can mean either the singular or plural. Furthermore, whether each component is provided in the singular or plural may vary depending on the embodiment.

[0023] At least one user terminal (100) may be a user terminal that measures a user's level by taking a quiz using a web page, app page, program, or application related to a simulated financial transaction service using step-by-step theoretical learning, and then proceeds with a simulated financial transaction that opens step by step while proceeding with the step-by-step theoretical learning. In addition, the user terminal (100) may be a user terminal that receives a cash settlement when profits are generated as a result of the simulated financial transaction, and proceeds with an actual financial transaction or purchases an avatar or item.

[0024] Here, at least one user terminal (100) may be implemented as a computer capable of accessing a remote server or terminal via a network. Here, the computer may include, for example, a notebook, desktop, or laptop equipped with a navigation system or web browser. In this case, at least one user terminal (100) may be implemented as a terminal capable of accessing a remote server or terminal via a network. At least one user terminal (100) may include, for example, a wireless communication device that ensures portability and mobility, and may include all types of handheld-based wireless communication devices such as navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminals, smartphones, smartpads, tablet PCs, etc.

[0025] The financial transaction service providing server (300) may be a server that provides a simulated financial transaction service web page, app page, program, or application using step-by-step theoretical learning. Furthermore, the financial transaction service providing server (300) may be a server that allows a user terminal (100) to check their level through a quiz upon registration and to proceed with step-by-step theoretical learning according to their level. Furthermore, the financial transaction service providing server (300) may be a server that opens possible simulated financial transactions whenever a step is completed and grants access to enable the user terminal (100) to perform simulated financial transactions. Furthermore, the financial transaction service providing server (300) may be a server that settles profits in cash when they are generated from simulated financial transactions and allows the settled cash to be used for actual financial transactions or to purchase items or avatars.

[0026] Here, the financial transaction service provision server (300) may be implemented as a computer capable of connecting to a remote server or terminal via a network. The computer may include, for example, a notebook computer, desktop computer, or laptop computer equipped with a navigation system or web browser.

[0027] At least one financial institution server (400) may be a financial institution server that requests advertising execution by transmitting advertising content to the financial transaction service providing server (300) using a simulated financial transaction service-related web page, app page, program, or application utilizing step-by-step theoretical learning. Furthermore, the financial institution server (400) may be a server that receives the advertising execution results as a report from the financial transaction service providing server (300).

[0028] Here, at least one financial institution server (400) may be implemented as a computer capable of connecting to a remote server or terminal via a network. Here, the computer may include, for example, a notebook, desktop, or laptop equipped with a navigation system or web browser. In this case, at least one financial institution server (400) may be implemented as a terminal capable of connecting to a remote server or terminal via a network. At least one financial institution server (400) may include, for example, all kinds of handheld-based wireless communication devices such as navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)-2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminals, smartphones, smartpads, tablet PCs, etc., as wireless communication devices that ensure portability and mobility.

[0029] FIG. 2 is a block diagram for explaining a financial transaction service provision server included in the system of FIG. 1, and FIGS. 3 and 4 are drawings for explaining an example in which a simulated financial transaction service is implemented using step-by-step theoretical learning according to an embodiment of the present invention.

[0030] Referring to FIG. 2, the financial transaction service providing server (300) may include a storage unit (310), a theory learning unit (320), a simulation training unit (330), a settlement unit (340), a cash payment unit (350), a stage setting unit (360), a reward system unit (370), a level-up unit (380), a profit model unit (390), and a gamification unit (391).

[0031] When a financial transaction service providing server (300) according to one embodiment of the present invention or another server (not shown) operating in conjunction with it transmits a simulated financial transaction service application, program, app page, web page, etc. using step-by-step theoretical learning to at least one user terminal (100) and at least one financial institution server (400), the at least one user terminal (100) and the at least one financial institution server (400) may install or open the simulated financial transaction service application, program, app page, web page, etc. using step-by-step theoretical learning. In addition, the service program may be run on at least one user terminal (100) and at least one financial institution server (400) using a script executed in a web browser. Here, a web browser is a program that allows the use of web (WWW: World Wide Web) services, and refers to a program that receives and displays hypertext written in HTML (Hyper Text Mark-up Language), and includes, for example, Chrome, Microsoft Edge, Safari, Firefox, Whale, and UC Browser. In addition, an application refers to an application program on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

[0032] Referring to FIG. 2, the storage unit (310) can store a quiz measuring the level of a financial transaction and a mapped level according to the response.

[0033] The measuring unit (320) can measure the user's level when a quiz is conducted on the user terminal (100). The user terminal (100) can measure the user's level by conducting a quiz upon registration. At this time, data regarding [quiz-response-level] can be stored in advance, and an artificial intelligence algorithm can be used to determine what the user currently knows, what level that user is at, and what the user is not aware of.

[0034] The theoretical learning unit (330) can conduct step-by-step theoretical learning corresponding to the level. For example, the step-by-step theoretical learning may be as shown in Table 1 below, but is not limited thereto. The theoretical learning of the present invention can be configured so that each step must be completed before moving on to the next step, and can be conducted in such a way that access to the corresponding simulated financial transaction can be obtained only after completing the theoretical learning of each step. For example, if the first step of the theoretical learning on savings accounts is completed, labor points are awarded for this, and the labor points can be used to open a savings account. This is a direct model of the way in which a user works in a real-life setting, receives a salary in return, and deposits or invests the salary in a savings account product. By repeating the theory, simulation, and practice according to one embodiment of the present invention, the user can directly apply what they have learned when they actually work or run a business and earn a salary or income.

[0035] Step-by-step theory learning system Step 1: Savings system Step 2: Stock system Step 3: Bond system Step 4: Other financial products system Step 5: Real estate financial products system Step 6: Virtual asset financial products

[0036] Here, virtual asset financial products can be diverse, such as virtual currencies like Bitcoin, NFTs, and energy P2P, but they are not limited to those listed and are not excluded for reasons not listed.

[0037] Dynamic Problem Difficulty

[0038] Problem difficulty can be defined as the difficulty of a question, or the probability that test takers will correctly answer a given question. The initial problem difficulty is a probability determined based on information available to the examiner, and is considered a prior probability. The problem difficulty can be calculated using the formula in Mathematical Equation 1 below.

[0039]

[0040] Here, P represents the difficulty of the question, N represents the total number of examinees, and R represents the number of examinees who answered correctly. However, this difficulty cannot be considered accurate, as some examinees who answered correctly may have guessed the answer. Therefore, to accurately determine the difficulty, the guessing rate for the question must be considered. To estimate the guessing rate for the question, we must first determine the number of examinees who guessed the answer to the given question among the total number of examinees and the number of examinees who answered correctly among them. However, since it is practically impossible to determine the number of examinees who guessed, the number of examinees who guessed and the number of examinees who answered correctly can be estimated using the following mathematical equation (2).

[0041]

[0042] GR is the number of examinees who guessed correctly, G is the number of examinees who guessed correctly, and Q is the number of questions answered. Conversely, the number of examinees who guessed incorrectly (GW) can be calculated using the following formula (Equation 3).

[0043]

[0044] Furthermore, since the actual number of test takers who guessed is unknown, the number of test takers who failed to answer the question by guessing can be assumed to be the number of test takers who did not answer the question correctly. In other words, by using Equation 2 as GW = G × Q - 1 / Q = W, we can assume that the number of test takers who answered the question incorrectly (W) is W. Using this formula, we can establish a formula to calculate the number of test takers who guessed.

[0045]

[0046] The number of test takers who guessed and answered the question correctly can be confirmed using the following mathematical formula 5.

[0047]

[0048] The item guess rate (PGR) can be estimated using the following mathematical formula 6. The question difficulty is the percentage of test takers who answered the question correctly among all test takers, and since this includes the percentage of test takers who answered the question by guessing, the exact difficulty must be determined by taking the question guess rate into account in the question difficulty. This is called the corrected difficulty (PC) and is expressed using mathematical formula 7.

[0049]

[0050]

[0051] Problem difficulty adjustment can be reflected in the design by repeatedly adjusting the initial difficulty (prior probability) of a question based on test taker performance data to increase the accuracy of the difficulty estimate, and ultimately recommending questions appropriate to the test taker's (i.e., learner's) level. Specifically, the test result data refers to the learner's problem-solving results in the LMS (Learning Management System). This data is then transmitted to a learning analytics system, where it is analyzed and processed to calculate the item guess rate. This is then iteratively applied to determine the corrected difficulty level, allowing for adjustments in problem difficulty. Of course, there are many other methods for adjusting problem difficulty beyond the ones described above.

[0052] Forgetting Curve

[0053] A step-by-step theoretical learning method according to one embodiment of the present invention can be designed with four characteristics. First, it can include increased learning efficiency through appropriately timed review using Ebbinghaus's forgetting cycle, second, learning tailored to the learner's level by applying the Glicko system to adjust the difficulty level, third, inducing distributed learning, and fourth, a test-style problem-solving method. The Ebbinghaus forgetting curve hypothesis describes the degree of memory decline over time. This curve shows the extent to which information is lost over time when no attempt is made to retain it. Tony Buzan's repetition learning cycle also states that the first review is for 10 minutes after 1 hour of study (retention for a day), the second review is for 2-4 minutes 24 hours later (retention for a week), the third review is for 2 minutes a week after the second review (retention for a month), the fourth review is for 1 month after the third review (long-term memory that lasts for more than 6 months), and after that, the memory is maintained just by looking at it once every few months.

[0054]

[0055] Human memory begins to fade 10 minutes after initial learning, with over 70% forgotten after one day and over 80% forgotten after one month. Therefore, one embodiment of the present invention can set the review cycle to 1 hour, 1 day, 1 week, or 1 month. Using Equation 8, for example, the repetition cycle time for one repetition of a problem is 24 hours, and for two repetitions, 168 hours (1 week = 7 x 24 hours). Dividing the difference between the current time and the last time the problem was answered correctly (stored in the database) by this cycle time serves as a benchmark for determining the priority of repeated learning. In other words, among the theoretical learning stages that have passed the repetition cycle, the one with the shortest cycle is given priority, and among the theoretical learning stages within that cycle, the one with the longest unstudied cycle is selected. By prioritizing the theoretical learning stages based on this repetition cycle, learners automatically repeat the theoretical learning stages they have memorized at appropriate times, thereby enabling them to access long-term memory. After solving the problem, the repetition cycle is checked, and if there is no step-by-step theory learning that requires repeated learning, the Glicko system compares the learner's rating score with the step-by-step theory learning rating score, and then provides step-by-step theory learning of an appropriate grade.

[0056] Meanwhile, the Glick system, an improvement on the EloRating system, is primarily used to measure the level of players in online chess games. This system uses a level measurement value called Rating and a value called rd, which represents the accuracy of the Rating. A player's actual level lies within the equation Rating-2*rd < uselevel < Rating+2*rd, with a 95% confidence level. Basically, a player's Rating (or score) fluctuates depending on the outcome of a match. The basic rule is that a winning player gains points, and a losing player loses points. If the score gap between players is large, a high-scoring player wins fewer points and a low-scoring player loses fewer points. Conversely, a low-scoring player wins more points and a high-scoring player also gains more points. Furthermore, the amount of change in the Rating is determined by the rd value. The smaller a player's rd value and the larger their opponent's rd value, the smaller the change. And as the number of matches increases, the rd value decreases, reducing the range of fluctuation in the reliability of the player's actual rating and making it more accurate to one's own skill.

[0057] Correct / Incorrect - Increase learner rating - Decrease step-by-step theory learning rating - Decrease learner and step-by-step theory learning rd - Decrease learner rating - Increase step-by-step theory learning rating - Increase learner and step-by-step theory learning rd

[0058] In addition to the difficulty measurement methods described in Equations 1 through 7, the Glick system can utilize rating scores, a method for introducing new step-by-step theory. By applying the Glick system to step-by-step theory learning, the user can set the difficulty level for step-by-step theory learning. This allows for step-by-step theory learning tailored to the learner's level. While in a chess game, each player's rating score is determined through a match between players, the learning system categorizes the match between the learner and the step-by-step theory learning. The system's purpose is to determine the learner's level and provide appropriate step-by-step theory learning. To do this, the learner's rating and the step-by-step theory learning rating are required, and these ratings are determined through a competitive structure between the learner and the step-by-step theory learning. Therefore, the match is limited to between the learner and the step-by-step theory learning, not between learners or between step-by-step theory learning.

[0059] If the learner memorizes the step-by-step theory study (correctly answers the problem), it is evaluated as the learner's win and the step-by-step theory study loses. If the learner fails to memorize (fails to answer the problem correctly), it is evaluated as the learner's loss and the word's win. The learning system, like the Glicko system, is given Rating and rd values. As mentioned above, the winning side's Rating score increases and the losing side's Rating score decreases according to the match result. In the Glicko system, rd (RatingDeviation) is a value that sets the reliability of the player's skill, that is, the accuracy range of the player's skill (rating). The learner is given a default rd value when creating an account, and the rd value of the user and the step-by-step theory study decreases as the learner solves problems.

[0060]

[0061] Since mathematical expression 9 determines the theoretical learning and the learner's rating for each stage, continuous problem solving reduces the range of the rating and increases the accuracy of the difficulty. If multiple users have a set of theoretical learning stages shared by multiple users and continuously conduct tests to memorize the theoretical learning stages, this increases the reliability of the rating, that is, the difficulty of the theoretical learning stage, and secures a set of theoretical learning stages that reflects the skills of multiple users. This is the process by which the learner's (user's) level, that is, the difficulty, is determined. Through the above process, the theoretical learning stage and the learner's rating are measured, and when new theoretical learning stage contents need to be retrieved after problem solving, it is first checked whether there is a theoretical learning stage that satisfies the repetition cycle, and if there is not, the theoretical learning stage with a difficulty appropriate for the learner's level is retrieved based on this score value.

[0062] Solution Results Task Details Correct Answer Import new step-by-step theory learning If there is a step-by-step theory learning that needs to be repeated Use the repetition cycle If there is no step-by-step theory learning that needs to be repeated Use the rating score Incorrect Answer Move on to the next step-by-step theory learning

[0063] In summary, when a user first learns, a problem of similar difficulty to their level is retrieved from the database and solved on the user terminal (100). If the problem is answered correctly, a new step-by-step theory learning is retrieved from the database, which is then exchanged with the correct step-by-step theory learning before moving on to the next problem. When retrieving new words, two conditions are considered. First, if there is a step-by-step theory learning that requires repeated study, it is retrieved with the highest priority. Second, if there is no step-by-step theory learning that requires repeated study, the learner's level is compared to the rating score and the step-by-step theory learning that matches the learner's score is selected and retrieved. Meanwhile, distributed practice is a technique for studying the subject matter at regular intervals. For example, if a subject is to be studied for six hours, distributed practice would involve studying for one hour, then studying for another hour a day (or a week, a month, or any other arbitrary time), and so on, six times. Research has shown that test-based learning is more effective in sustaining memory than simple repetition. Accordingly, long periods of time can be divided into short segments and designed for repeated learning.

[0064] The simulation training unit (340) can expand the scope of simulated financial transactions when the user terminal (100) completes the step-by-step theoretical learning. The user terminal (100) performs step-by-step theoretical learning corresponding to the level, and the scope of simulated financial transactions can be expanded as each step of theoretical learning is completed. Just as items are awarded upon completing a quest at each level, simulated financial transactions can be performed at each level upon completing the theoretical learning at each level. As the level increases, the types and scope of simulated financial transactions expand.

[0065] Once you've completed and mastered the theory of savings, you can simulate financial transactions using savings accounts. For example, let's say you've earned 1 million labor points through learning. If you've chosen a tax-exempt savings account with a 4% annual interest rate, you can have 40,000 won in interest paid out after one year, i.e., upon maturity. The payment can be in fiat currency, such as Korean Won. This payment can be used to purchase items or invest the 40,000 won in stocks. Furthermore, once you've completed and mastered the theory of stocks, you can simulate financial transactions using savings accounts as well. This process can be completed by completing quests at each stage.

[0066] The settlement unit (350) can reflect and settle the profits or losses resulting from a simulated financial transaction on the user terminal (100). Suppose a user completes Step 2 and invests 1 million labor points in stocks, but suffers a 50% loss, leaving them with only 500,000 labor points. If the user sells the stock at this 50% loss, only 500,000 labor points remain. To recover the principal, the user must earn labor points again through learning. This is similar to an investor who fails to recover the principal by working again. Of course, even in this case, the remaining labor points can be reinvested to generate profits, and the principal can be recovered in this manner.

[0067] Additionally, if a user sells a stock with a 10% profit, they can receive 100,000 won in cash. This assumes a 1:1 ratio of labor points to Korean Won. Furthermore, no commissions are charged. With the 100,000 won, users can make real-world stock purchases or purchase cryptocurrencies. Interest accrued on savings accounts can be paid after deducting a 15% tax. If the gain from stocks exceeds the capital gains tax threshold, the gain can be reported the following year. For purchases and sales of foreign stocks, such as US stocks, rather than Korean stocks, the capital gains tax thresholds will differ, and the system can be designed to take into account exchange fees, exchange rate fees, and other factors, similar to real-world situations. The game also allows users to file capital gains tax returns directly through Hometax, hire a tax accountant, or seek assistance from the tax office. In addition, the platform of the present invention can induce users to make investments using profits, and each financial institution server (400) can advertise to induce users who have performed simulated financial transactions to its platform.

[0068] The cash payment unit (360) can, when profits are generated from simulated financial transactions, pay cash corresponding to the profits to the user terminal (100). It can also be linked to actual financial transactions using the cash or to a shopping mall for consumption. For example, as shown in Figure 4a, the cash payment unit can be linked to various platforms for actual financial transactions, linked to games for purchasing avatars or items, or linked to a shopping mall.

[0069] The step setting unit (370) can set the step-by-step theoretical learning as follows: Step 1 for savings deposits, Step 2 for stocks, Step 3 for bonds, Step 4 for other financial products, Step 5 for real estate financial products, and Step 6 for virtual asset financial products. Upon completion of each step, a corresponding simulated financial transaction can be activated. Of course, the types and order of the steps are not limited to those listed, and reasons not listed are not excluded.

[0070] The compensation system (380) enables simulated financial transactions using labor points earned through step-by-step theoretical learning. If profits are generated from these simulated financial transactions, cash can be paid to the user terminal (100). As shown in Figure 4, this system can replicate the process of an actual office worker or businessperson saving money and converting it into assets.

[0071] The level-up unit (390) can increase the level to correspond to the progress when conducting step-by-step theoretical learning and simulated financial transactions on the user terminal (100).

[0072] The revenue model unit (391) can receive and output advertising content from at least one financial institution server (400). In this case, the user may be encouraged to actually purchase the stocks selected in the simulated financial transaction. If the user selects stocks in the simulated financial transaction, advertising may be requested from a platform that offers stock trading. If the user selects virtual currency in the simulated financial transaction, advertising may be requested from a platform that offers virtual currency trading. Furthermore, if the user selects a savings account in the simulated financial transaction, advertising requests may be received from financial institutions that accept actual savings accounts. If the user selects a real estate financial transaction, advertising requests may be submitted from a platform that conducts real estate PF.

[0073] Collaborative Filtering

[0074] At least one collaborative filtering algorithm can be used to provide advertising content (items) based on similarity between users. In cases where user-item or group-item interactions are lacking, group-item or user-item interactions are utilized to maximize the mutual information between the group embedding and the individual embeddings of each group member. However, performance deteriorates significantly when even user-item interactions are lacking. Contrastive representation learning is a type of self-supervised learning technique that learns embeddings so that samples with similar properties are close together and samples with different properties are far apart.

[0075] A Generative Adversarial Networks-based Collaborative Filtering framework (CFGAN) model can be used to make recommendations using contrastive representation learning. CFGAN primarily uses negative sampling, which randomly selects items disliked by the user and increases the distance between the user and the item. This method can achieve high recommendation performance even when given only an implicit feedback matrix that does not contain information about the user's disliked items. Of course, it goes without saying that various methods other than the ones described above can be used to recommend and target advertising content.

[0076] The gamification department (393) can set up a system to allow the purchase of avatar characters or items when profits are settled at the user terminal (100).

[0077] Hereinafter, the operational process according to the configuration of the financial transaction service provision server of FIG. 2 described above will be described in detail using FIG. 3 and FIG. 4 as examples. However, it will be apparent that the embodiment is merely one of various embodiments of the present invention and is not limited thereto.

[0078] Referring to Figure 3, (a) the financial transaction service provision server (300) checks the level of financial knowledge upon registration on the user terminal (100), and (b) conducts step-by-step theoretical learning corresponding to the checked level. Furthermore, at the end of each step-by-step theoretical learning, a quiz or test is administered to check whether the knowledge has been properly mastered, and the process is repeated periodically using forgetting curves, etc. Furthermore, as in (c), upon completion of a step, a simulated financial transaction corresponding to that step can be performed. If profit is generated from this, the system can be linked to various financial institutions, exchanges, games, and shopping malls to enable actual financial transactions or consumption, as in (d). This can be summarized as in Figure 4a. A platform (tentative name, Toriedufin) according to one embodiment of the present invention provides an education platform with contents as shown in FIGS. 4e and 4f, in order to eliminate financial illiteracy in Korea, where the rate and amount of exposure to financial investment fraud is large, as shown in FIG. 4b, by providing financial technology education as shown in FIG. 4c, as shown in FIG. 4d.

[0079] Matters not described in the method for providing a simulated financial transaction service using the step-by-step theoretical learning of FIGS. 2 to 4 are identical to or can be easily inferred from the contents described in the method for providing a simulated financial transaction service using the step-by-step theoretical learning of FIG. 1, and therefore, description thereof will be omitted below.

[0080] FIG. 5 is a diagram illustrating a process of data transmission and reception between components included in a simulated financial transaction service provision system utilizing the step-by-step theoretical learning of FIG. 1 according to one embodiment of the present invention. Below, an example of the process of data transmission and reception between components will be described with reference to FIG. 5. However, the present invention is not limited to this embodiment, and it will be apparent to those skilled in the art that the process of data transmission and reception illustrated in FIG. 5 may be modified according to various embodiments described above.

[0081] Referring to Figure 5, the financial transaction service providing server maps and stores a quiz measuring the level of a financial transaction and the level based on the responses (S5100). When the quiz is administered on a user terminal, the level is measured (S5200). Furthermore, the financial transaction service providing server conducts step-by-step theoretical learning corresponding to the level (S5300). When the user terminal completes the step-by-step theoretical learning, the server expands the scope of the simulated financial transaction (S5400).

[0082] In addition, the financial transaction service providing server, when a simulated financial transaction is completed on a user terminal, reflects the profit or loss resulting from the simulated financial transaction and settles the settlement (S5500).

[0083] The order of the above-described steps (S5100 to S5500) is merely an example and is not limited thereto. That is, the order of the above-described steps (S5100 to S5500) may be mutually changed, and some of the steps may be executed simultaneously or deleted.

[0084] Matters not described in the method for providing a simulated financial transaction service using the step-by-step theoretical learning of FIG. 5 are the same as or can be easily inferred from the contents described in the method for providing a simulated financial transaction service using the step-by-step theoretical learning of FIG. 1 to FIG. 4, and therefore, description thereof will be omitted below.

[0085] The method for providing a simulated financial transaction service using step-by-step theoretical learning according to one embodiment described through FIG. 5 may also be implemented in the form of a recording medium containing computer-executable instructions, such as an application or program module executed by a computer. The computer-readable medium may be any available medium that can be accessed by a computer, and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include all computer storage media. The computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented with any method or technology for storing information, such as computer-readable instructions, data structures, program modules, or other data.

[0086] The method for providing a simulated financial transaction service using step-by-step theoretical learning according to an embodiment of the present invention described above can be executed by an application that is installed by default on the terminal (which may include a program included in a platform or operating system installed by default on the terminal), or by an application (i.e., a program) that the user directly installs on the master terminal through an application providing server such as an application store server, an application, or a web server related to the service. In this sense, the method for providing a simulated financial transaction service using step-by-step theoretical learning according to an embodiment of the present invention described above can be implemented as an application (i.e., a program) that is installed by default on the terminal or directly installed by the user, and can be recorded on a computer-readable recording medium such as on the terminal.

[0087] The foregoing description of the present invention is for illustrative purposes only, and those skilled in the art will readily appreciate that the present invention can be readily modified into other specific forms without altering the technical spirit or essential characteristics of the present invention. Therefore, the embodiments described above should be understood as illustrative in all respects and not restrictive. For example, each component described as a single entity may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined manner.

[0088] The scope of the present invention is indicated by the claims described below rather than the detailed description above, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention.

[0089] The mode for carrying out the invention has been described together with the best mode for carrying out the invention above.

[0090] Although one embodiment of the present invention has been described as one example of conducting a simulated financial transaction to acquire financial knowledge, it can be applied to all learning fields that conduct step-by-step theoretical learning, simulated testing, and practical testing, and thus can be expanded to various business models and is not limited to simulated financial transactions.

Claims

1. A user terminal that measures the level by taking a quiz upon registration, conducts step-by-step theoretical learning corresponding to the level, and expands the scope of simulated financial transactions each time the step-by-step theoretical learning is completed; and A financial transaction service providing server including a quiz that measures the level of a financial transaction and a storage unit that maps and stores the level according to the response, a measurement unit that measures the level when the quiz is conducted on the user terminal, a theory learning unit that conducts step-by-step theory learning corresponding to the level, a simulation exercise unit that expands the scope of a simulated financial transaction when the step-by-step theory learning is completed on the user terminal, and a settlement unit that reflects and settles the profit or loss according to the simulated financial transaction when the simulated financial transaction is completed on the user terminal; A system that provides simulated financial transaction services using step-by-step theoretical learning including .

2. In paragraph 1, The above financial transaction service providing server is, If a profit is generated from the above-mentioned simulated financial transaction, a cash payment unit that pays cash corresponding to the profit to the user terminal and links the user to an actual financial transaction using the cash or links the user to a shopping mall for consumption; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

3. In paragraph 1, The above financial transaction service providing server is, A step setting unit that sets the above step-by-step theoretical learning as step 1 for savings, step 2 for stocks, step 3 for bonds, step 4 for other financial products, step 5 for real estate financial products, and step 6 for virtual asset financial products, and sets the simulated financial transaction corresponding to the step to be activated when each step is completed; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

4. In paragraph 1, The above financial transaction service providing server is, A compensation system that enables the above-mentioned simulated financial transactions using labor points acquired through the above-mentioned step-by-step theoretical learning, and pays cash to the above-mentioned user terminal when profits are generated from the above-mentioned simulated financial transactions; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

5. In paragraph 1, The above financial transaction service providing server is, A level-up unit that increases the level to correspond to the progress when conducting step-by-step theoretical learning and simulated financial transactions on the user terminal; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

6. In paragraph 1, The above financial transaction service providing server is, A revenue model section that receives and outputs advertising content from at least one financial institution server; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

7. In paragraph 1, The above financial transaction service providing server is, When profits are settled on the above user terminal, a gamification unit that enables the purchase of avatar characters or items; A system for providing simulated financial transaction services using step-by-step theoretical learning, characterized by including more.

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