Device, method, storage medium and system for processing financial information

Abstract

A device, a method, a recording medium and a system for providing financial information about financial products on-line are provided. The apparatus, the method, the recording medium and the system sell or promote financial products while complying with related regulations through financial product information. Consumers can read financial information about the financial products, and can input user information of the consumers into terminals after sufficiently reading the financial information. In addition, a meeting schedule between a financial product seller and a consumer can be determined through the device, the method, the recording medium and the system.

Description

Devices, methods, storage media and systems for processing financial information

[0001] The present invention relates to the processing of financial product information. A device, method, and system for processing financial information are disclosed.

[0002] This invention claims the benefit of Korean Patent Application No. 10-2024-0016177, filed February 1, 2024, and Korean Patent Application No. 10-2025-0010769, filed January 24, 2025, the entire contents of which are incorporated herein by reference.

[0003] A variety of Internet services, such as video streaming platforms, are being utilized by a large number of Internet users. In particular, countless videos are being viewed worldwide through video streaming platforms. Furthermore, in addition to video streaming services, videos can also be provided through social networking services (SNS) and over-the-top (OTT) platforms.

[0004] Video watching is becoming a growing part of consumers' lifestyles, and more and more consumers are preferring video over text to understand new products and services.

[0005] As the financial industry develops, various financial products are being provided.

[0006] For these financial products, legal and / or administrative regulations are imposed depending on the characteristics of the financial product.

[0007] In particular, for financial products sold to financial consumers, regulations are applied to the sale and promotion of financial products to protect consumers.

[0008] For example, the sale of certain financial products may be subject to an additional duty of explanation. This includes the obligation to fully inform consumers of potential risks when selling financial products, and financial authorities may impose regulations on financial institutions based on this duty of explanation.

[0009] In this way, before selling financial products to consumers, financial institutions must provide product descriptions to consumers while complying with relevant laws and regulations.

[0010] When a consumer purchases a financial product offline, this obligation to explain can be fulfilled by the seller directly explaining the financial product to the consumer.

[0011] Meanwhile, as the proportion of consumers subscribing to financial products online continues to increase, there is a need for methods that enable consumers to purchase financial products easily and conveniently while complying with explanation obligations online.

[0012] To sell financial products as described above, financial institutions promote financial products through communication between financial institutions and consumers.

[0013] Even when communicating to promote these financial products, there are regulations that must be observed to protect consumers. Videos about finance, however, may not be subject to the regulatory compliance requirements for videos promoting financial products if they are produced for educational or informational purposes on social media, or if a disclaimer clearly states that the video's purpose is not to promote or sell financial products and the video's content aligns with these purposes.

[0014] On the other hand, if a video is produced or used for the purpose of promoting or selling financial products, and the content of the video does not comply with relevant regulations, it may be subject to sanctions and penalties from financial authorities. Therefore, compliance officers at financial institutions primarily handle regulatory compliance in consumer communications.

[0015] Typically, financial products are promoted or sold in the form of text or images that have undergone internal review for regulatory compliance.

[0016] Compared to text or images, when video is used to convey information about financial products and to promote or sell them, there are challenges in reviewing regulatory compliance in terms of volume, content, and method.

[0017] In particular, videos may be produced for promotional or sales purposes, such as when videos are produced for a variety of financial products, when videos are produced for each new financial product launched frequently, when multiple employees within a single financial institution individually produce videos, or when personalized videos are produced for various consumer groups or specific consumers. As the number of videos produced for these purposes increases, it becomes increasingly difficult to review each video individually for regulatory compliance while using it for promotional or sales purposes. Therefore, a method for promoting or selling financial products using videos while meeting regulatory compliance is needed.

[0018] One embodiment may provide a device, method, recording medium and system for providing financial information on financial products online.

[0019] One embodiment may provide a device, method, recording medium and system for selling or promoting financial products in compliance with relevant regulations through financial product information.

[0020] On one side, a method is provided, comprising: a step of transmitting financial information about a financial product to a server; a step of receiving information related to the generation of verified financial information from the server; and a step of outputting the information related to the generation of the verified financial information, wherein the verified financial information provides information generated by the server performing verification on the financial information.

[0021] The method for providing the above information may further include the step of obtaining information from the server indicating that approval for distribution of the verified financial information has been obtained; and the step of outputting information indicating that the approval has been obtained.

[0022] The method of providing the above information may further include a step of transmitting consent for the distribution of the above financial information to the server.

[0023] The method of providing the above information may further include a step of publicly sharing information related to the generation of the above financial information.

[0024] The above financial information may include video.

[0025] The above verified financial information may include a verified video that provides an explanation or promotion of the financial product while complying with regulations related to the financial product.

[0026] The above video can be processed by artificial intelligence (AI) driven by the above server.

[0027] Using the data analysis capabilities of artificial intelligence (AI), it can be verified whether the video complies with the restrictions set forth in the regulations.

[0028] In the product description of the financial product in the above video, a first part and a second part can be distinguished.

[0029] A shorter summary version of the product description may be produced based on the distinction between the first part and the second part.

[0030] The above first part may be a part of the product description for the financial product required to satisfy the restrictions according to the above regulations for the financial product.

[0031] Artificial Intelligence (AI) can generate verified videos for the above videos.

[0032] The above financial information may include the verified video providing a description or promotion of the financial product, which is guaranteed by the AI ​​to comply with the above regulations related to the financial product.

[0033] On the other hand, a computer-readable recording medium containing a program for performing a method of providing the above information may be provided.

[0034] In another aspect, a method for providing information is provided, comprising: obtaining financial information about a financial product from a first terminal, performed by a server; verifying the financial information about the financial product; receiving a request for the financial information about the financial product from a second terminal; transmitting the financial information about the financial product to the second terminal; receiving user information about a user of the second terminal from the second terminal; and performing an operation about the financial product with the second terminal.

[0035] The above operation for the above financial product may be a meeting between a user of the first terminal and a user of the second terminal or determining a meeting schedule for the above meeting.

[0036] The method for providing the above information may further include a step of transmitting information related to the generation of the financial information to the first terminal.

[0037] The method of providing the above information may further include the step of providing the financial information to a person having authority related to the service of the server and obtaining approval for distribution of the financial information from the person having authority.

[0038] The above financial information may include a video describing the above financial product.

[0039] The above video may provide an explanation or promotion of the above financial product while complying with regulations related to the above financial product.

[0040] The above video can be processed by artificial intelligence (AI) driven by the above server.

[0041] Using the data analysis capabilities of artificial intelligence (AI), it can be verified whether the video complies with the restrictions set forth in the regulations.

[0042] In the product description of the financial product in the above video, a first part and a second part can be distinguished.

[0043] A shorter summary version of the product description may be produced based on the distinction between the first part and the second part.

[0044] The above first part may be a part of the product description for the financial product required to satisfy the above restrictions according to the above regulations for the financial product.

[0045] Artificial Intelligence (AI) can generate verified videos for the above videos.

[0046] The above financial information may include the verified video providing a description or promotion of the financial product, which is guaranteed by the AI ​​to comply with the above regulations related to the financial product.

[0047] In another aspect, a computer-readable recording medium containing a program for performing a method of providing the above information may be provided.

[0048] A device, method, recording medium and system for providing financial information on financial products online are provided.

[0049] Devices, methods, recording media and systems are provided for selling or promoting financial products in compliance with relevant regulations through financial product information.

[0050] Figure 1 illustrates a system for processing financial information of a financial product according to one embodiment.

[0051] Figure 2 is a structural diagram of a terminal according to one embodiment.

[0052] Figure 3 is a structural diagram of a server according to one embodiment.

[0053] Figure 4 is a flowchart of a method for providing financial information on a financial product according to one embodiment.

[0054] Figure 5 illustrates the generation of a video verified for regulatory compliance according to an example.

[0055] Figure 6 illustrates a procedure for selling financial products provided using a verified video according to an example.

[0056] Figure 7 shows the value according to the procedure of selling financial products according to an example.

[0057] FIGS. 8 and 9 illustrate an example of implementing specific functions of the present invention described in the embodiments.

[0058] Figure 8 illustrates a method for verifying whether an FPEV complies with regulations according to an example.

[0059] Figure 9 shows the process of producing a summary version according to an example.

[0060] Figure 10 shows an upload screen of financial information according to an example.

[0061] Figure 11 shows a visualization of the inspection of financial information according to an example.

[0062] Figure 12 illustrates feedback on the inspection of financial information according to an example.

[0063] Figures 13 and 14 illustrate screens providing documents generated by AI feedback.

[0064] Figure 15 illustrates recording of financial information by way of example.

[0065] Figure 16 illustrates an inspection of an improved video according to an example.

[0066] Figure 17 illustrates confirmation of a request for approval to share financial information according to an example.

[0067] Figure 18 illustrates confirmation of approval for sharing financial information according to an example.

[0068] Figure 19 illustrates sharing of generated related information of financial information on a social network service (SNS) according to an example.

[0069] Figure 20 illustrates sharing information related to the creation of financial information in a personalized email according to an example.

[0070] Figure 21 illustrates the determination of a meeting schedule for a financial product according to an example.

[0071] The invention is susceptible to numerous modifications and embodiments. Specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the invention to specific embodiments, but rather to encompass all modifications, equivalents, and alternatives falling within the spirit and technical scope of the invention.

[0072] The detailed description of the exemplary embodiments described below refers to the accompanying drawings, which illustrate specific embodiments by way of example. These embodiments are described in sufficient detail to enable those skilled in the art to practice the embodiments. It should be understood that the various embodiments, while different from each other, are not necessarily mutually exclusive. For example, specific shapes, structures, and characteristics described herein may be implemented in other embodiments without departing from the spirit and scope of the present invention. Furthermore, it should be understood that the positions or arrangements of individual components within each disclosed embodiment may be modified without departing from the spirit and scope of the embodiment. Accordingly, the following detailed description is not intended to be limiting, and the scope of the exemplary embodiments, if properly described, is defined only by the appended claims, along with the full scope of equivalents to which such claims are entitled.

[0073] Similar reference numerals in the drawings indicate identical or similar functions throughout. The shapes and sizes of elements in the drawings may be exaggerated for clarity.

[0074] While terms such as "first" and "second" may be used to describe various components in the present invention, these components should not be limited by these terms. These terms are used solely to distinguish one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as the "second component," and similarly, the second component may also be referred to as the "first component." The term "and / or" may encompass a combination of multiple related items described herein or any of multiple related items described herein.

[0075] When a component is referred to as being "connected" or "connected" to another component, it should be understood that the two components may be directly connected or connected to each other, but that there may be another component between the two components. Conversely, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that no other component exists between the two components.

[0076] The components shown in the embodiments are independently depicted to represent different characteristic functions, and do not imply that each component is composed of separate hardware or a single software configuration unit. That is, each component is listed and included as a separate component for convenience of explanation, and at least two components among each component may be combined to form a single component, or a single component may be divided into multiple components to perform a function, and integrated and separate embodiments of each of these components are also included in the scope of the present invention as long as they do not deviate from the essence of the present invention.

[0077] The terms used in the embodiments are only used to describe specific embodiments and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly indicates otherwise. In the embodiments, it should be understood that the terms "comprises" or "has" indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but do not exclude in advance the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof. In other words, the description in the embodiments as "comprising" a specific configuration does not exclude configurations other than the specified configuration, and means that additional configurations may also be included in the scope of the implementation of the present invention or the technical idea of ​​the present invention.

[0078] In the embodiments, the term "at least one" may mean one of a number greater than or equal to 1, such as 1, 2, 3, and 4. In the embodiments, the term "a plurality of" may mean one of a number greater than or equal to 2, such as 2, 3, and 4.

[0079] Some components of the embodiments may not be essential components that perform essential functions of the present invention, but may be optional components merely for performance enhancement. The embodiments may be implemented by including only essential components necessary to realize the essence of the embodiments, excluding components used solely for performance enhancement. A structure that includes only essential components, excluding optional components used solely for performance enhancement, is also within the scope of the embodiments.

[0080] Hereinafter, embodiments are described in detail with reference to the attached drawings to enable those skilled in the art to easily implement the embodiments. In describing the embodiments, detailed descriptions of related known structures or functions will be omitted if they are judged to obscure the gist of the present specification. In addition, identical components in the drawings are designated by the same reference numerals, and redundant descriptions of identical components are omitted.

[0081]

[0082] Purpose and Effect of the Examples

[0083] The embodiments may provide a device, method, recording medium and system for providing financial information on financial products online, and a device, method, recording medium and system for selling or promoting financial products while complying with relevant regulations through financial product information.

[0084] The challenge this solution seeks to address is the use of video to explain financial products during sales or promotional processes. Content previously conveyed solely through text or images can be more easily understood by viewers, such as financial consumers, if delivered through video. Furthermore, financial product sellers can achieve their business objectives more easily by utilizing promotional and sales methods that align with modern lifestyles and comply with regulations within the financial industry.

[0085] Traditionally, video-based financial information has been limited in the sales process for financial products. This process typically involves face-to-face explanations between sellers and consumers, while text-based explanations are used in non-face-to-face online settings. The difficulty in using video online stems from the lack of a way to verify and verify compliance with regulations. Because regulatory compliance is essential for financial product sales, product descriptions for online sales are now often provided in text format, making compliance verification easier.

[0086] Furthermore, when promoting financial products, standardized videos created by individual companies and verified for regulatory compliance can be used. For example, when a financial institution employee is familiar with a new financial product that might be of interest to customers, they may want to produce and share a short promotional video that reflects the product's content, making it accessible to customers regardless of location or time, while still being relevant to today's lifestyles. However, there is no way to verify whether these individually produced promotional videos comply with relevant regulations.

[0087] As a result of these examples, it will be possible to convey financial information using video during the online sales or promotion of financial products. AI will verify whether the video content complies with relevant regulations, allowing financial product videos that fully comply with regulations to be used in online sales or promotion.

[0088] Compared to traditional text-based information delivery in online financial product sales, video-based information delivery makes it easier for older consumers and those with limited financial knowledge to understand. Furthermore, this information enhances trustworthiness because it is verified for regulatory compliance.

[0089] If financial products are individually promoted online using video, this can have the effect of increasing consumer engagement by encouraging consumers to view and respond to the content through video playback, compared to promotional content created using simple text or images and then embedded in messages or emails. Furthermore, because the production and distribution of these videos are strictly regulated in terms of content and procedures, consumers can be assured of the content and easily obtain useful information.

[0090]

[0091] System configuration

[0092] Figure 1 illustrates a system for processing financial information of a financial product according to one embodiment.

[0093] The system may include at least some of a consumer terminal (110), a server (120), and a seller terminal (130). The consumer terminal (110) and the seller terminal (130) may be referred to as a second terminal and a first terminal. Alternatively, the consumer terminal (110) and the seller terminal (130) may be referred to as a first terminal and a second terminal.

[0094] The consumer terminal (110) may be a terminal of a consumer of a financial product.

[0095] The seller terminal (130) may be a terminal of a seller of a financial product.

[0096] In the embodiments, a consumer may be an investor in a financial product or a user of a consumer terminal (110). In the embodiments, the terms "consumer," "investor," and "user" may be used interchangeably and have the same meaning.

[0097] The server (120) may be a server of a financial institution related to financial products and / or financial information.

[0098] In embodiments, a financial institution may be a company, organization or entity that provides financial products.

[0099] Additionally, a financial institution may mean an officer, employee, agent or related entity of a financial institution, company, organization or entity, and may be an independent financial advisor who has obtained the qualification to sell financial products through due process.

[0100] Additionally, financial institutions may include a compliance officer or a similar entity responsible for regulatory compliance with financial product transactions.

[0101] Additionally, the term "financial institution" may refer to or include artificial intelligence (AI) operated or used by a financial institution, company, organization or entity.

[0102] In some embodiments, the server (120) may be a server that processes and / or provides financial information about financial products. Furthermore, the server (120) may be a server that sells financial products. In other words, the server (120) may process and / or provide financial information about financial products sold through the server (120).

[0103] In the embodiments, the server (120) may be a plurality of servers. In other words, the functions and operations of the server (120) described in the embodiments may be achieved through the interworking of a plurality of servers.

[0104] Financial information about financial products can be provided to a consumer terminal (110) through a server (120). The consumer terminal (110) can purchase financial products through the server (120).

[0105] In the embodiments, the consumer may refer to a consumer terminal (110). The financial institution may refer to a server (120). The seller may refer to a seller terminal (130).

[0106] In embodiments, each of the consumer terminal (110) and the seller terminal (130) may be an electronic device, and may be a portable electronic device. For example, each of the consumer terminal (110) and the seller terminal (130) may be a smart phone. Alternatively, each of the consumer terminal (110) and the seller terminal (130) may be a Personal Digital Assistant (PDA), a Portable Multimedia Player (PMP), a feature phone, a navigation device, a tablet, a notebook, a personal computer, a set-top box, a wearable device, a digital signage, an Internet of Things (IoT) device, or a computer system. In the embodiments, each of the consumer terminal (110) and the seller terminal (130) may be, or may include, a wearable device such as, for example, a head mounted display (HMD), a smart watch, and a smart glass.

[0107]

[0108] Structure of each device in the system

[0109] Figure 2 is a structural diagram of a terminal according to one embodiment.

[0110] The terminal may be one or more of a consumer terminal (110) and a seller terminal (130).

[0111] The terminal may include a processing unit (210), a communication unit (220), a display (230), and a sensor (240).

[0112] The processing unit (210) can perform the operations of the terminal (110) described in the embodiments. In the embodiments, a description that the terminal performs a specific operation may be considered as the processing unit (210) performing the specific operation.

[0113] The communication unit (220) can transmit information transmitted from the terminal described in the embodiments and receive information received by the terminal. In the embodiments, the description that the terminal transmits specific information may be considered as the communication unit (220) transmitting the specific information. The description that the terminal receives specific information may be considered as the communication unit (220) receiving the specific information.

[0114] The display (230) can output information of the terminal described in the embodiments. In the embodiments, the description that the terminal outputs specific information may be considered as the display (230) outputting the specific information.

[0115] The sensor (240) can recognize information of the terminal as described in the embodiments. In the embodiments, the description that the terminal recognizes specific information may be considered as the sensor (240) recognizing the specific information.

[0116] Figure 3 is a structural diagram of a server according to one embodiment.

[0117] The server (120) may include a processing unit (310) and a communication unit (320).

[0118] The processing unit (310) can perform the operations of the server (120) described in the embodiments. In the embodiments, a description that the server (120) performs a specific operation may be considered as the processing unit (310) performing the specific operation.

[0119] The communication unit (320) can transmit information transmitted from the server (120) and receive information received by the server (120) as described in the embodiments. In the embodiments, a description that the server (120) transmits specific information may be considered as the communication unit (320) transmitting the specific information. A description that the server (120) receives specific information may be considered as the communication unit (320) receiving the specific information.

[0120]

[0121] financial products

[0122] In the embodiments, financial products may include deposit products such as deposits and savings, loan products such as various loans and credit cards, insurance products such as insurance, and investment products.

[0123] In embodiments, investment products are objects of trade and may include items and certificates that can be verified for value. For example, investment products may include stocks, bonds, funds, derivatives, metals, grains, real estate, artwork, coins, and non-fungible tokens (NFTs). For example, investment products may include mutual funds, exchange-traded funds (ETFs), separately managed accounts (SMAs), retirement accounts, and real estate investment trusts (REITs).

[0124]

[0125] Provision of financial information

[0126] Figure 4 is a flowchart of a method for providing financial information on a financial product according to one embodiment.

[0127] In step (405), the server (120) can obtain financial information about a financial product.

[0128] The server (120) can receive financial information about a financial product from a seller terminal (130). The financial information may include a video. A video generated by another device, such as the seller terminal (130), can be uploaded to the server (120). The user of the other device may be a seller of the financial product.

[0129] In step (410), the server (120) may generate financial information about a financial product. The server (120) may perform verification on the financial information provided from the seller terminal (130).

[0130] Hereinafter, the financial information generated by the server (120) may be verified financial information regarding a financial product. The verified financial information may be generated by the server (120) performing verification on the financial information.

[0131] Here, verification of financial information may be to check whether the financial information meets regulations for financial products, such as compliance.

[0132] The creation of financial information may involve recording and / or editing video. The video may be recorded and / or edited within the server (120). Additionally, the creation of financial information may involve uploading video generated on another device, such as a seller terminal (130), to the server (120). The user of the other device may be a seller of the financial product.

[0133] In the following steps, the financial information provided to the seller terminal (130) may be verified financial information.

[0134] In step (411), the server (120) can transmit information related to the creation of financial information to the seller terminal (130).

[0135] In step (412), the seller terminal (130) can output information related to the generation of financial information.

[0136] At step (413), approval for distribution of financial information can be obtained.

[0137] For example, financial information may include videos and / or video content about financial products.

[0138] The seller at the seller terminal (130) can confirm whether to send a request for approval of financial information to a person with authority related to the service. For example, the person with authority may be a compliance officer or a payment authority for a financial product. Figure 17 illustrates a screen for this confirmation.

[0139] The server (120) may provide financial information to a person with authority related to the server's (120) services. For example, the person with authority may be a compliance officer or a decision maker for a financial product. The server (120) may obtain approval for the distribution of financial information from a person with authority related to the server's (120) services. Here, the responsibility related to the service may be the authority to approve the distribution of financial information or verified financial information.

[0140] The server (120) may transmit information indicating that approval for distribution of financial information has been obtained to the seller terminal (130). The seller terminal (130) may obtain information indicating that approval for distribution of financial information has been obtained from the server (120). The seller terminal (130) may output information indicating that approval for distribution of financial information has been obtained. FIG. 18 illustrates a screen providing the above information.

[0141] The server (120) can obtain consent from the seller of the seller terminal (130) for distribution of financial information from the seller terminal (130). The seller terminal (130) can transmit consent for distribution of financial information to the server (120). The server (120) can receive consent for distribution of financial information from the seller terminal (130).

[0142] In step (414), the seller terminal (130) may publicly share information related to the creation of financial information. Here, "sharing" may refer to disclosing or sharing information related to the creation of financial information through various channels, such as SMS, messengers, social networking services (SNS), email, web pages, and applications (or apps). For example, as in the example of FIG. 17, the financial information may be posted on the seller's SNS, etc., through the seller terminal (130). Alternatively, as in the example of FIG. 20, an email containing the financial information may be created under the seller's account.

[0143] In step (415), the server (120) can store the generated financial information.

[0144] In embodiments, the number of financial products may be multiple. Steps (405, 410, 411, 412, 413, 414, and 415) may be repeatedly performed for multiple financial products. Through steps (405, 410, 411, 412, 413, 414, and 415), multiple financial information items for multiple financial products provided by the server (120) may be generated and stored.

[0145] In step (420), the consumer terminal (110) may transmit a request for financial information about a financial product to the server (120). The server (120) may receive a request for financial information about a financial product from the consumer terminal (110).

[0146] At step (425), the server (120) can select a financial product.

[0147] Here, the selected financial product may be the financial product for which financial information was requested in step (420). Alternatively, the selected financial product may be a financial product that provides financial information to the consumer terminal (110).

[0148] In step (430), the server (120) can transmit financial information of the selected financial product to the consumer terminal (110). The consumer terminal (110) can receive financial information of the financial product from the server (120).

[0149] In step (435), the consumer terminal (110) can output financial information of a financial product.

[0150] The financial information in step (435) may be output through various channels, such as Short Message Service (SMS) messages, messenger messages, social networking service (SNS) content, e-mail, web pages, and application (or app) content. In other words, financial information may be information provided through various channels.

[0151] A user of a consumer terminal (110) can check financial information output from the consumer terminal (110).

[0152] A user of a consumer terminal (110) may become interested in financial products through financial information, may obtain additional information about the financial product, or may wish to conduct a transaction regarding the financial product.

[0153] In one embodiment, the financial products in steps (425, 430, and 435) may be multiple. Furthermore, the financial information may include information on multiple financial products. In other words, financial information on multiple financial products may be provided to the user of the consumer terminal (110).

[0154] In one embodiment, steps (425, 430, and 435) may be repeated for multiple financial products. In other words, through repetition of steps (425, 430, and 435), financial information regarding multiple financial products may be provided to the user of the consumer terminal (110). This repetition may provide the user with unrestricted browsing of financial products.

[0155] In step (440), the consumer terminal (110) can check the user's interest in financial products.

[0156] The consumer terminal (110) can output a progress message to confirm whether to proceed with the next procedure for a financial product.

[0157] Here, the following steps for a financial product may mean subscribing to and / or purchasing the financial product, and may mean obtaining additional information about the financial product.

[0158] Alternatively, the following procedure for a financial product may refer to step (450).

[0159] For example, the progress message displayed may be a message to confirm whether the user is interested in a financial product.

[0160] For example, the displayed progress message may be a message to confirm whether the user wishes to proceed with signing up for a financial product.

[0161] For example, the displayed progress message may be a message to confirm whether the user wishes to proceed with the purchase of a financial product.

[0162] For example, the progress message displayed may be a message confirming whether the user wants to enter user information to subscribe to a financial product or to obtain additional information about the financial product.

[0163] For example, the displayed progress message may include a message informing the user that their user information must be entered.

[0164] In step (445), the consumer terminal (110) may receive a progress input from a user of the consumer terminal (110) indicating that the next procedure for a financial product will be performed. Upon receiving the progress input, step (450) may proceed.

[0165] In step (445), if a progress input indicating that the next procedure for the financial product will be performed is not received, or a non-progress input indicating that the next procedure for the financial product will not be performed is received, step (410) may be performed again or the procedure may be terminated.

[0166] In step (450), the consumer terminal (110) may output a message requesting the user's user information.

[0167] In step (455), a user of a consumer terminal (110) can input user information into the consumer terminal (110). The consumer terminal (110) can receive user information from the user.

[0168] For example, user information may include the user's identifier (e.g., social security number), the user's age, the user's income, the user's risk-taking level, and the user's financial goals.

[0169] In other words, user information may be information used to perform analysis on users.

[0170] Here, the user's user information may be requested after step (450) is performed. That is, the user's user information may be requested after the user confirms the financial information of the financial product.

[0171] As illustrated with reference to FIG. 4, from the perspective of the consumer terminal (110), the user may not be prompted to enter user information until the user's interest in the financial product is confirmed in step (440). Alternatively, the user may be prompted to enter user information only after the user's interest in the financial product is essentially confirmed in step (440).

[0172] Alternatively, from the perspective of the consumer terminal (110), the user may not be required to enter user information before the output of financial information of the financial product is performed in step (435). Alternatively, the user may be required to enter user information only after the output of financial information of the financial product is necessarily performed in step (435).

[0173] In step (460), the consumer terminal (110) can transmit user information to the server (120). The server (120) can receive the user information.

[0174] As illustrated with reference to FIG. 4, from the perspective of the server (120), transmission of user information to the server (120) may not be performed until the user's interest in the financial product is confirmed in step (440). Alternatively, transmission of user information to the server (120) may be performed only after the user's interest in the financial product is essentially confirmed in step (440).

[0175] Alternatively, from the perspective of the server (120), the transmission of user information to the server (120) may not be performed before the provision of financial information of the financial product to the consumer terminal (110) in step (430). Alternatively, the transmission of user information to the server (120) may be performed only after the provision of financial information of the financial product to the consumer terminal (110) in step (430) is necessarily performed.

[0176] At step (465), the server (120) may perform an analysis on the user using the user information. Here, the analysis may include an evaluation of the user by the seller.

[0177] In step (470), the consumer terminal (110) and the server (120) can perform operations on financial products based on analysis of the user.

[0178] For example, working with financial instruments may involve trading in financial instruments.

[0179] For example, a task regarding a financial product may include a meeting between a user of a consumer terminal (110) who has obtained verified financial information regarding the financial product and a seller of a seller terminal (130) that is the seller of the financial product, and may include determining a meeting schedule for the meeting. In other words, a task regarding a financial product may include a meeting between a user of a consumer terminal (110) and a user of a seller terminal (130), or determining a meeting schedule for the meeting.

[0180] Figure 21 shows screens related to determining a meeting schedule.

[0181] For example, work on a financial product may involve meetings between users of the financial product and employees of the financial institution, and may involve determining a meeting schedule for said meetings.

[0182] The above meeting may be a meeting for the promotion or sale of financial products.

[0183] Other processing may include providing additional information about a financial product selected by a user of the consumer terminal (110) and subscribing to a financial product selected by the user.

[0184] Additionally, other processing may include using user information to determine whether the selected financial product is suitable for the user before the user of the consumer terminal (110) purchases the selected financial product through the server (120).

[0185]

[0186] Creation of financial information

[0187] Figure 5 illustrates the generation of a video verified for regulatory compliance according to an example.

[0188] As described above with reference to step (410), the server (120) may generate financial information for a specific financial product. Furthermore, all or part of the financial information may be generated in step (425). In other words, the generation of financial information is not limited to being performed prior to step (415), and may be generated in whole or in part upon a request for financial information from a consumer terminal (110). In terms of generating such financial information, at least part of step (405) may be performed prior to step (425). At least part of steps (411, 412, 413, and 414) may be performed after step (425).

[0189] Financial information may include a Financial Product Explainer Video (FPEV). The financial information described in the examples may also be applied to FPEVs. Alternatively, the financial information described in the examples may be considered FPEVs.

[0190] A financial product description video may also be a promotional video for a financial product. The description of financial information in the embodiments may include promotional content for the financial information. Alternatively, the term "description" of financial information in the embodiments may be replaced with "promotion" of the financial information. A financial product promotion video (FPPV) contains a brief description of a specific financial product and may be subject to relevant regulations regarding financial promotion. The playback time of an FPPV may be shorter than that of an FPEV. The FPEV described in the embodiments may be replaced with an FPPV. Furthermore, in the embodiments, FPEV and FPPV may be used interchangeably.

[0191] FPEVs can be videos that provide product descriptions of financial products while complying with financial product regulations. In other words, FPEVs can be videos that provide information about financial products to consumers while meeting the constraints of financial product regulations.

[0192] In the embodiments, “description” may mean “product description,” and the terms “description” and “product description” may be used interchangeably.

[0193] In the embodiments, the terms “video” and “movie” may be used interchangeably and have the same meaning.

[0194] For example, regulations may be imposed by financial authorities with authority to supervise and manage financial products. FPEVs may be videos that provide explanations or promotions of financial products while meeting the relevant regulatory compliance requirements of financial authorities.

[0195] Alternatively, an FPEV is a video that provides an explanation or promotion of a financial product and may be subject to inspection and / or verification to determine whether regulatory compliance is met.

[0196] In embodiments, “video” may mean “FPEV.” That is, “FPEV” may be abbreviated as “video.”

[0197] For example, an FPEV may include a description comparing financial products. The financial products may include a specific financial product (the subject of the description or sale) and a comparative financial product to which the specific financial product is compared.

[0198] For example, FPEV may contain marketing material for a particular financial product.

[0199] For example, FPEV may contain advertising content for specific financial products.

[0200] For example, FPEV may include advice on specific financial products on a specific video provider site and / or on a specific channel of said specific video provider site.

[0201] FPEV may be provided by a server (120), a retailer of financial products, and / or a producer of FPEV. For example, a retailer of financial products may upload FPEV to the server (120).

[0202] For example, FPEV may include information from regulations, prospectuses, and proprietary data.

[0203] At step (410) or step (425), it can be determined whether the video satisfies regulatory compliance. In other words, it can be determined whether the video for a financial product is a FPEV that satisfies regulatory compliance.

[0204] In embodiments, the regulations may include all regulations related to financial products in the country where the service provided by the server (120) is provided (e.g., the country of the user of the consumer terminal (110)). For example, the regulations may include sales regulations or advertising regulations for financial products. In other words, the AI ​​may determine whether a video about a financial product is a FPEV that satisfies regulatory compliance based on the regulations imposed by the country on financial products.

[0205] In one embodiment, the FPEV may be generated by AI. For example, the FPEV may be generated by AI driven by a server (120).

[0206] In one embodiment, the FPEV may be processed by AI. For example, the FPEV may be processed by AI driven by the server (120). Here, processing of the FPEV may include tasks related to the FPEV, such as generating the FPEV or verifying the FPEV.

[0207] AI can generate FPEVs while meeting regulatory constraints related to financial products. The server (120) can use the AI's data analysis capabilities to verify whether the FPEV complies with regulatory constraints. Furthermore, the AI ​​can generate FPEVs according to the financial product's prospectus. In other words, the AI ​​can be both a compliance verification AI and a correctness verification AI.

[0208] Verification of compliance with regulations can be performed by AI. AI-based verification can confirm whether the FPEV provided by a seller meets regulatory requirements. This verification can minimize the effort and inconvenience required by human compliance officers, including compliance officers.

[0209] AI can check whether the content of the FPEV satisfies regulatory compliance by using at least one of prompt, Retrieval Augmented Generation (RAG), pre-training, and fine-tuning, or a combination of these methods, with respect to regulations of financial authorities related to promotion or sales.

[0210] In one embodiment, at step (411), the server (120) or the AI ​​operating at the server (120) may notify the seller terminal (130) of the server (120) that an inspection is to be performed on the FPEV uploaded by the seller based on regulations. The notification may be output through the server (120) or the seller terminal (130) accessing the server (120). Information related to the generation of financial information at step (411) may include the notification. In the notification, it may be visualized that an inspection is to be performed on the FPEV uploaded by the seller. An example of the visualization is illustrated in FIG. 11.

[0211] After examining the contents of the FPEV, AI can provide feedback on the contents. Information related to the generation of financial information in step (411) may include feedback. An example of feedback is illustrated in Figure 12.

[0212] If the FPEV fails to meet regulatory constraints, the AI ​​can detect areas in the incomplete FPEV that need improvement and provide feedback on these areas to the server (120), the seller of the financial product, and / or the creator of the FPEV. In other words, the AI ​​can share the areas that need to be fixed (or amended) with the seller and / or creator of the incomplete FPEV.

[0213] When examining the content of the FPEV based on regulations, AI can identify problematic or potentially improved parts of the FPEV, and the feedback can include content indicating problematic or potentially improved parts, as well as content indicating problematic or potentially improved parts.

[0214] Additionally, the AI ​​may adjust or suggest to the operator of the server (120) or the seller of the financial product the content of the FPEV to ensure compliance with regulations. The feedback may include the content of such adjustments and the content of the suggestions.

[0215] Additionally, the AI ​​can provide visual information about where in the video such content occurs. For example, a notification can include the visual information described above. For example, the AI ​​can provide visual information about where in the video specific content of the FPEV occurs, such as 1) content for which feedback is provided, 2) content that poses a problem, 3) content that could be improved, and 4) content that needs to be adjusted to ensure compliance. This visual information can be output via the server (120) or a seller terminal (130) accessing the server (120). The feedback can include visual information. The information related to the generation of financial information in step (411) can include visual information.

[0216] AI can generate documents based on video and feedback. Documents can be scripts, drafts, or transcripts.

[0217] AI can generate documents by incorporating feedback into the content of a video. Figures 13 and 14 illustrate screens providing generated documents.

[0218] The notifications, feedback, and documents described above may be output from the server (120) at step (410) and may be output from the seller terminal (130) at step (411). Additionally, the feedback and documents may be provided to the server (120) at step (410) and may be provided to the seller terminal (130) at step (411).

[0219] AI can distinguish between Part 1 and Part 2 in a description or promotion of a financial product, and based on this distinction, create a shorter, summarized version of the product description (i.e., a summarized product description). AI can classify the content of a description or promotion of a financial product into Part 1 and Part 2.

[0220] For example, Part 1 may be the portion of a description or promotion of a financial product required to meet regulatory constraints. Part 2 may be the remainder of the description or promotion of a financial product, excluding Part 1. In other words, Part 2 may be the portion of the description or promotion of a financial product that is not subject to regulatory constraints.

[0221] For example, the first part may be a relatively more important part of a description or promotion of a financial product, categorized according to preset criteria. The preset criteria may indicate importance. In other words, the contents of a description or promotion of a financial product may be categorized into a first part and a second part based on importance. The second part may be a relatively less important part of a description or promotion of a financial product, categorized according to preset criteria. This relatively more important part may be a part of a description or promotion of a financial product that is required to meet regulatory constraints, as described above.

[0222] For example, the first part may be mandatory. The second part may be optional. The mandatory part may refer to the part of the description or promotion of a financial product that is required to comply with regulatory restrictions on financial products. The optional part may refer to the remaining parts of the description or promotion of a financial product, excluding the mandatory part. Alternatively, the optional part may refer to the part of the description or promotion of a financial product that is not related to regulatory restrictions on financial products.

[0223] In one embodiment, AI can generate a verified FPEV for an FPEV. In some embodiments, a verified FPEV may refer to an FPEV whose compliance with regulations has been verified. A verified FPEV may be an FPEV whose compliance with regulations related to financial products has been ensured by AI.

[0224] The FPEV described in the embodiment may refer to a verified FPEV. Alternatively, in one embodiment, the AI ​​may update the FPEV to a verified FPEV.

[0225] Investment products may require regulatory compliance. AI can facilitate this through AI-generated FPEVs.

[0226] In other words, the financial information generated in step (410) or step (425) may be a video or a verified FPEV that provides an explanation or promotion of a financial product, which is guaranteed by AI to meet regulatory compliance related to the financial product.

[0227] AI can verify the content of FPEV through data analysis related to this information.

[0228] AI can distinguish between the first and second parts of the FPEV based on preset criteria, and based on these distinctions, produce a shorter, summarized version of the verified FPEV (i.e., a summarized verified FPEV).

[0229] For example, Part 1 may be the portion of the FPEV required to meet regulatory constraints on financial products. In other words, Part 1 may include mandatory items that must be explained to consumers. Part 2 may be the remainder of the FPEV, excluding Part 1. In other words, Part 2 may be the portion of the FPEV not related to regulatory constraints on financial products.

[0230] For example, Part 1 may be a relatively more important portion of the FPEV, categorized according to preset criteria. These preset criteria may indicate importance. In other words, the contents of the FPEV may be categorized into Part 1 and Part 2 based on importance. Part 2 may be a relatively less important portion of the FPEV, categorized according to preset criteria. This relatively more important portion may be a portion of the FPEV required to meet regulatory constraints on financial products, as described above.

[0231] For example, the first part may be mandatory. The second part may be optional. The mandatory part may refer to the part of the FPEV required to meet regulatory constraints on financial products. The optional part may refer to the remaining part of the FPEV. Alternatively, the optional part may refer to the part of the FPEV that is not related to regulatory constraints on financial products.

[0232] Mandatory items may be items that must be explained to consumers as stipulated by specific laws.

[0233] For example, required items may be explanatory items from the Financial Consumer Protection Act.

[0234] For example, for FPEV, the required items may include at least one of: 1) investment objectives, 2) risk profile, 3) costs and charges, 4) past performance, 5) investment strategy, 6) liquidity and trading, 7) regulatory status, 8) risk warnings, 9) cooling-off period, 10) complaint handling procedures, and 11) withdrawal and redemption procedures.

[0235] For example, for FPEV, the selection items may include at least one of: 1) market outlook, 2) asset management team introduction, 3) comparison of product, 4) performance benchmark, 5) alternative investment option, 6) asset allocation consideration, 7) withdrawal strategy, and 8) inflation consideration.

[0236] AI can generate an improved FPEV. Alternatively, AI can improve the content of an FPEV. In embodiments, an improved FPEV may be an FPEV with improved content. An improved FPEV may be an FPEV with improved content in terms of regulatory compliance.

[0237] The FPEV manufacturer, FPEV seller, or AI can create an improved FPEV by re-recording the FPEV. Figure 15 illustrates a screen for re-recording an FPEV.

[0238] The FPEV producer, the FPEV seller, or the AI ​​can re-record the FPEV by outputting the feedback or document generated by the AI ​​together with the content of the FPEV, or displaying it on the screen together with the content of the FPEV, and can create an improved FPEV with the re-recorded content.

[0239] After re-recording, AI can (re)examine whether the content of the improved FPEV meets regulatory compliance. Figure 16 illustrates a screen for (re)examining the improved FPEV.

[0240] The content related to the inspection of FPEV described in the examples can also be applied to (re)inspection of improved FPEV.

[0241] If the content of the FPEV or improved FPEV satisfies regulatory compliance and has no issues, the server (120) may transmit the results of the AI ​​review and the verified FPEV to the compliance officer or approval authority associated with the service, and in step (413), the server (120) may obtain approval for distribution of the verified FPEV from an authority associated with the service, such as the compliance officer or approval authority. FIG. 17 illustrates an example screen for obtaining such approval.

[0242] Additionally, in step (413), the server (120) may transmit information indicating that consent or approval for distribution of the verified FPEV has been obtained to the seller terminal (130). The seller terminal (130) may output information indicating that consent or approval for distribution of the verified FPEV has been obtained. FIG. 18 illustrates an example of a screen indicating that approval has been obtained. The server (120) may obtain consent for distribution of financial information from the seller terminal (130). The consent may mean that the seller using the seller terminal (130) agrees to the FPEV verified by the server (120).

[0243] The verified FPEV can be output or provided through various channels, such as SMS messages, messenger messages, SNS content, e-mail, web pages, and application (or app) content as described above.

[0244] For example, a verified FPEV may be posted on the seller's SNS, etc., via the seller's terminal (130). Alternatively, an email containing the verified FPEV may be created using the seller's account. An email containing the verified FPEV attached may be created using the seller's account.

[0245] Verified FPEVs, which are guaranteed to meet regulatory compliance, can be used to promote or sell financial products across various channels, enabling effective communication between sellers and financial consumers.

[0246] Before a user of a consumer terminal (110) purchases a selected financial product through a server (120), AI can use user information to determine whether the selected financial product is suitable for the user.

[0247]

[0248] Figure 6 illustrates a procedure for selling financial products provided using a verified video according to an example.

[0249] The top of Figure 6 illustrates a first embodiment in which a description of a financial product is provided after user information is entered. Financial product sales can be conducted in the following order: 1) user information entry, 2) user analysis, 3) financial product description, and 4) confirmation of user interest.

[0250] The bottom of Figure 6 illustrates a second embodiment, where the description of the financial product occurs prior to the user entering information. The sale of financial products can be accomplished in the following order: 1) description of the financial product, 2) confirmation of user interest, 3) entry of user information, and 4) analysis of the user.

[0251] 1) The description of the financial product may correspond to steps (420, 425, 430 and 435) and may further include steps (410 and 415).

[0252] 2) Confirmation of the user's interest can correspond to steps (440 and 445).

[0253] 3) The input of user information can correspond to steps (450, 455 and 460).

[0254] 4) Analysis of the user can correspond to step (465).

[0255] Compared to the first embodiment at the top of FIG. 6, in the second embodiment at the bottom of FIG. 6, the user may be requested to enter user information only after a description or promotion of the financial product has been made and the user's interest in the financial product has been confirmed through the description or promotion.

[0256] In other words, users can obtain sufficient product descriptions of financial products without entering or providing personal information, and these product descriptions are guaranteed to comply with applicable financial product regulations. In other words, the financial product description section can be included in the sales process by users viewing FPEV.

[0257] Therefore, the procedure of the second embodiment can improve the user's access to financial products, and since the user's information is only required when a financial product of interest to the user is discovered, the user's inconvenience can be reduced and the user's information can be prevented from being exposed.

[0258] Furthermore, financial product descriptions in this manner can be provided anytime and anywhere, much like conventional internet services like YouTube and Netflix. Users can view financial product descriptions through internet services like video services and social network services (SNS), or through methods identical or similar to these internet services.

[0259]

[0260] Figure 7 shows the value according to the procedure of selling financial products according to an example.

[0261] The process of selling new financial products in the example could be based on FPEV and compliance verification AI.

[0262] The process of selling a new financial product in the example can create value for the seller, the consumer (i.e., the investor), and the regulator.

[0263] From a seller's perspective, a single video can be delivered to thousands or millions of prospects, and videos and social media can be combined for effective customer engagement.

[0264] From the consumer's perspective, a video about a financial product can be viewed with a "click," no information / questions may be required, and once the consumer is interested in the financial product within the video, the process for purchasing the financial product can be carried out seamlessly.

[0265] From the supervisory authority's perspective, it can be ensured that all essential information about a financial product is explained by the seller (at least prior to the sale of the financial product), and misleading or incorrect descriptions can be prevented in advance.

[0266]

[0267] FIGS. 8 and 9 illustrate an example of implementing specific functions of the present invention described in the embodiments.

[0268] Figure 8 illustrates a method for verifying whether an FPEV complies with regulations according to an example.

[0269] Depending on the country in which the examples are performed and the laws and regulations of the above country, mandatory disclosure requirements, which are matters that must be explained when selling financial products, may be stipulated as regulations related to financial products.

[0270] The "mandatory explanation matters" described in the examples may refer to not only matters that are required to be explained in the sale of financial products, but also matters that are recommended to be explained in the sale of financial products according to the laws / regulations / regulations of each country where the examples are implemented; matters that are specified to be explained in the sale of financial products; matters that are exemplified as the contents to be explained in the sale of financial products; matters that have a legal impact on the seller of the financial product or the consumer of the financial product whether or not they are explained in the sale of the financial product; or matters mentioned in laws / regulations / regulations related to the sale of financial products.

[0271] For example, the content related to "obligatory descriptions" described in the embodiments may be understood as being replaced with content related to "material items." Here, some of the content described in the mandatory descriptions may also be commonly applied to material items, while others may not be applicable to material items.

[0272] AI can generate FPEVs while meeting the constraints of mandatory disclosure requirements under financial product regulations, as described below.

[0273] First, regulatory data can be generated that indicates financial authorities' regulations on the sale of financial products. Financial authorities may be the agencies responsible for regulating financial products. Regulatory data can indicate mandatory disclosure requirements for financial products, as well as prohibitions related to the aforementioned mandatory disclosure requirements.

[0274] For example, the financial product may be a mutual fund or a specific money trust product. The mandatory descriptions in the example may be mandatory descriptions for a mutual fund or mandatory descriptions for a specific money trust product.

[0275] Next, description data representing a description of a financial product can be generated. The description data may be an electronic description of an individual financial product.

[0276] Mandatory description data representing mandatory description items can be extracted from the manual data. Mandatory description data may be data representing mandatory description items within the manual data. Contents corresponding to mandatory description items within the manual data can be used to construct mandatory description data.

[0277] Text can be generated from videos (called FPEVs) that provide descriptions of financial products via speech-to-text (STT). In other words, text corresponding to the required description can be extracted from videos providing descriptions of financial products.

[0278] Once the text is generated, validation of the text may be performed as follows. Validation of the text may include 1) verifying that the text includes all mandatory descriptions and 2) verifying that the text does not include any prohibited items.

[0279] The text can be compared with mandatory description data. By comparing the text and mandatory description data, it can be verified whether all mandatory description elements are included in the text.

[0280] Text can be compared to prohibited data. By comparing the text and prohibited data, it can be verified whether the text contains prohibited content.

[0281] If the text passes verification, the video providing the explanation of the financial product can be judged to be compliant with the financial authorities' regulations on the sale of financial products, and by receiving this judgment, the video providing the explanation of the financial product can be guaranteed to be compliant with the regulations.

[0282] Items in the mandatory description may include the required items described above.

[0283]

[0284] Table 1 below presents the mandatory explanatory notes for mutual funds under the Financial Consumer Protection Act. In other words, the items in Table 1 represent mandatory explanatory notes under the Financial Consumer Protection Act for mutual funds.

[0285]

[0286] Financial Consumer Protection Act Expected profits (limited to cases where there are objective and reasonable grounds) Situations in which losses may occur (including maximum losses) and the resulting estimated loss amount (including objective and reasonable grounds) Risk rating determined by the seller (reasons for determination, its meaning, and precautions) Complaint handling and dispute resolution procedures Termination requirements (only applicable to financial products for which contracts can be terminated before maturity when certain requirements are met) Termination / cancellation of contract (including the right to terminate illegal contracts) Linked / affiliated services

[0287]

[0288] Table 2 below presents the mandatory disclosure requirements for mutual funds under the Financial Consumer Protection Act and the Best Practices for Handling Specific Money Trust Businesses. In other words, the items in Table 2 represent mandatory disclosure requirements under the Financial Consumer Protection Act and the Best Practices for Handling Specific Money Trust Businesses when the financial product is a specific money trust.

[0289]

[0290] Financial Consumer Protection Act Best Practices for Processing Specific Money Trust Business (Matters corresponding to the items described in the Financial Consumer Protection Act) Contents of investment products Types of assets under management or names of items Structure of investment products Matters concerning management methods or management restrictions Structure and nature of management methods or specific items Fees Matters concerning trust fees, costs, and commissions Termination and cancellation of contracts (including the right to cancel illegal contracts) Matters concerning early, mid-term, and maturity repayment conditions, if any Matters concerning termination and cancellation of trust contracts Investment risks and risk levels Matters concerning general and specific risk factors for management methods or specific items The fact that the volatility of returns may be greater than that of collective investment schemes due to the lack of investment diversification regulations and the potential risks that may arise due to fees Right of withdrawal of subscription Whether or not depositors are protected Civil complaint handling and dispute resolution procedures Termination requirements (only financial products for which contracts can be terminated before maturity when certain requirements are met) Linked and affiliated services

[0291]

[0292] Figure 9 illustrates the process of creating a summary version according to an example. AI can create a shorter summary version of an FPEV while meeting the constraints of regulations related to financial products, as described below.

[0293] First, regulatory data can be generated that indicates financial authorities' regulations on the sale of financial products. Financial authorities may be the agencies responsible for regulating financial products. Regulatory data can indicate mandatory disclosure requirements for financial products, as well as prohibitions related to the aforementioned mandatory disclosure requirements.

[0294] Next, description data representing a description of a financial product can be generated. The description data may be an electronic description of an individual financial product.

[0295] Mandatory description data representing mandatory description items can be extracted from the manual data. Mandatory description data may be data representing mandatory description items within the manual data. Contents corresponding to mandatory description items within the manual data can be used to construct mandatory description data.

[0296] Text can be generated from videos (called FPEVs) that provide descriptions of financial products via speech-to-text (STT). In other words, text corresponding to the required description can be extracted from videos providing descriptions of financial products.

[0297] Once the text is generated, AI can search the text for parts that correspond to the mandatory descriptions indicated by the regulatory data.

[0298] AI can essentially include the relevant portions of the retrieved mandatory description in the summary version of the FPEV.

[0299] Parts of the text that do not correspond to mandatory descriptions may correspond to optional items.

[0300] AI can optionally include non-mandatory explanatory text in the FPEV summary. For example, non-mandatory explanatory text could include market conditions, market analysis, investment strategies, and comparisons with other financial products.

[0301] Alternatively, AI can create a condensed version of the FPEV by removing portions of the FPEV that do not correspond to mandatory descriptions. The AI ​​can derive portions of the text that do not correspond to mandatory descriptions and remove those portions from the FPEV.

[0302] The embodiments described above, referring to FIGS. 8 and 9, illustrate an example of a method for verifying whether an FPEV complies with regulations under the constraints of mandatory descriptions, as well as an example of producing a summary version. These mandatory descriptions can also be applied to material items in other countries.

[0303]

[0304] Figure 10 shows an upload screen of financial information according to an example.

[0305] In Fig. 10, an example of a screen of a seller terminal (130) for recording a video for promoting or selling a financial product at the seller terminal (130) or uploading a video recorded through another device from the seller terminal (130) to the server (120) is shown.

[0306]

[0307] Figure 11 shows a visualization of the inspection of financial information according to an example.

[0308] Fig. 11 may represent a screen output to a seller terminal (130) in a visualization of the inspection of financial information.

[0309] As illustrated in Figure 11, the examination of financial information may include multiple items applied to verify regulatory compliance of financial information.

[0310] The visualization can indicate whether each item in a set of multiple items has been inspected. Additionally, the visualization can indicate the degree to which the financial information has been inspected.

[0311]

[0312] Figure 12 illustrates feedback on the inspection of financial information according to an example.

[0313] In Fig. 12, an example of a screen for feedback on the inspection of financial information output to a seller terminal (130) is shown.

[0314] In Fig. 12, as feedback for the inspection of financial information, check points and suggestions from AI for specific parts of financial information are exemplified.

[0315] For example, if financial information includes a video, a specific section may be a specific section of the video. The inspection item may be the content of the video within that specific section. The content of the video may be information displayed through the video's visuals or audio.

[0316] For example, feedback may include review items and suggestions regarding the content of specific sections of a video. Suggestions may include information that should be added, removed, or changed in the video, and may include information indicating how financial information provided by the seller should be revised.

[0317] Figures 13 and 14 illustrate screens providing documents generated by AI feedback.

[0318] In FIG. 13 and FIG. 14, screens output from the seller terminal (130) in relation to documents generated by AI feedback are respectively illustrated.

[0319] In Figure 13, a screen is shown showing that a document has been prepared by feedback.

[0320] In Figure 14, the contents of the document generated by feedback are shown.

[0321]

[0322] Figure 15 illustrates recording of financial information by way of example.

[0323] Figure 15 illustrates a screen displayed on a seller terminal (130) for recording financial information. To facilitate recording, improved financial information generated through the AI ​​feedback, with improved regulatory compliance, can be displayed on the seller terminal (130). This allows the seller to view the financial information during recording, thereby improving recording efficiency.

[0324]

[0325] Figure 16 illustrates an inspection of an improved video according to an example.

[0326] In Fig. 16, a screen is shown outputting the process of (re)inspecting improved financial information to the seller terminal (130).

[0327] The re-recorded financial information may be re-examined. The explanations regarding the re-examination of financial information may also apply to the re-recorded financial information. For example, the re-examination of financial information may include multiple items. The visualization may indicate whether the re-examination of each item within the multiple items has been completed. Furthermore, the visualization may indicate the extent to which the re-examination of financial information has been completed.

[0328]

[0329] Figure 17 illustrates confirmation of a request for approval of financial information according to an example.

[0330] Figure 17 illustrates a screen displayed on a seller terminal (130) to determine whether to send a request for approval of financial information to a compliance officer or payment authority related to the service. This screen may include information about a person with authority related to the service, such as a compliance officer or payment authority. This screen may also include information for selecting a method for communicating with the compliance officer or payment authority after sending the request for approval within the system. For example, these methods may include telephone and email.

[0331]

[0332] Figure 18 illustrates confirmation of approval of financial information according to an example.

[0333] In FIG. 18, a screen is shown output to a seller terminal (130) to notify the seller that financial information has been approved by a person with authority related to the service, such as a compliance officer or a settlement authority.

[0334]

[0335] Figures 19 and 20 illustrate sharing of information related to the generation of financial information according to an example.

[0336] In Figure 19, a screen is shown where financial information is posted on the seller's SNS.

[0337] In Figure 20, a screen is shown where an e-mail containing financial information is created.

[0338]

[0339] Figure 21 illustrates the determination of a meeting schedule for a financial product according to an example.

[0340] In Fig. 21, screens output to a consumer terminal (110) for determining a meeting schedule for a financial product are illustrated.

[0341] A meeting regarding a financial product or a schedule for the above meeting can be determined through interaction between a user terminal (110), a server (120), and a seller terminal (130).

[0342]

[0343] In the embodiments described above, the methods are described based on a flowchart as a series of steps or units. However, the present invention is not limited to the order of the steps, and some steps may occur in a different order or simultaneously with other steps described above. Furthermore, those skilled in the art will understand that the steps depicted in the flowchart are not exclusive, and that other steps may be included, or one or more steps in the flowchart may be deleted without affecting the scope of the present invention.

[0344] The embodiments described above include examples of various aspects. While not all possible combinations to illustrate the various aspects can be described, those skilled in the art will recognize that other combinations are possible in addition to those explicitly described. Accordingly, the present invention is intended to encompass all other alterations, modifications, and variations within the scope of the following claims.

[0345] The embodiments of the present invention described above may be implemented in the form of program commands that can be executed by various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, etc., either singly or in combination. The program commands recorded on the computer-readable recording medium may be those specifically designed and constructed for the present invention, or may be those known and usable by those skilled in the art of computer software.

[0346] A computer-readable recording medium may contain information used in embodiments according to the present invention. For example, the computer-readable recording medium may contain a bitstream, and the bitstream may contain information described in embodiments according to the present invention.

[0347] The computer-readable recording medium may include a non-transitory computer-readable medium.

[0348] Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and hardware devices specifically configured to store and execute program instructions, such as ROMs, RAMs, and flash memories. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The above hardware devices may be configured to operate as one or more software modules to perform processing according to the present invention, and vice versa.

[0349] Although the present invention has been described above with specific details such as specific components and limited examples and drawings, these are provided only to help a more general understanding of the present invention, and the present invention is not limited to the above examples, and those with ordinary knowledge in the technical field to which the present invention pertains can make various modifications and variations from this description.

[0350] Therefore, the idea of ​​the present invention should not be limited to the above-described embodiments, and all things that are modified equally or equivalently to the following claims as well as the claims are considered to fall within the scope of the idea of ​​the present invention.

Claims

1. Step of transmitting financial information about financial products to the server; A step of receiving information related to the generation of verified financial information from the above server; and A step of outputting the above information related to the creation of the above verified financial information. Including, The above-mentioned verified financial information is a method of providing information generated by the server performing verification on the above-mentioned financial information.

2. In paragraph 1, A step of obtaining information from the server indicating that approval for distribution of the verified financial information has been obtained; and A step for outputting information indicating that the above approval has been obtained. How to provide information that includes more.

3. In paragraph 2, A step of transmitting consent for the distribution of the above financial information to the above server. How to provide information that includes more.

4. In paragraph 1, Steps to publicly share information related to the creation of the above financial information How to provide information that includes more.

5. In paragraph 1, The above financial information includes video, The above verified financial information is a method of providing information including a verified video providing an explanation or promotion of the financial product while complying with regulations related to the financial product.

6. In paragraph 5, The above video is a method of providing information processed by artificial intelligence (AI) driven by the above server.

7. In paragraph 5, A method of providing information to verify whether the video complies with the restrictions of the above regulations by using the data analysis function of artificial intelligence (AI).

8. In paragraph 5, In the product description of the financial product in the above video, the first part and the second part are distinguished, A shorter summary version of the above product description is produced based on the distinction between the above first part and the above second part, A method for providing information, wherein the first part is a part of the product description for the financial product, which is required to satisfy the restrictions according to the regulations for the financial product.

9. In paragraph 5, Artificial Intelligence (AI) generates verified videos for the above videos, A method for providing information including the verified video providing a description or promotion of the financial product, wherein the financial information is guaranteed to comply with the regulations related to the financial product by the AI.

10. A computer-readable recording medium containing a program for performing the method of providing information in paragraph 1.

11. Performed by the server, A step of obtaining financial information on a financial product from a first terminal; A step of performing verification on the financial information for the financial product; A step of receiving a request for financial information regarding the financial product from a second terminal; A step of transmitting the financial information for the financial product to the second terminal; A step of receiving user information of a user of the second terminal from the second terminal; and A step of performing work on the second terminal and the financial product A method of providing information including:

12. In paragraph 11, A method for providing information on the above-mentioned financial product, wherein the above-mentioned operation is a meeting between a user of the first terminal and a user of the second terminal or a meeting schedule for the above-mentioned meeting.

13. In paragraph 11, A step of transmitting information related to the creation of the above financial information to the first terminal How to provide information that includes more.

14. In paragraph 11, A step of providing the financial information to a person having authority related to the service of the above server and obtaining approval for distribution of the financial information from the person having authority. How to provide information that includes more.

15. In paragraph 11, The above financial information includes a video explaining the above financial product, The above video provides information that provides an explanation or promotion of the above financial product while complying with regulations related to the above financial product.

16. In paragraph 15, The above video is a method of providing information processed by artificial intelligence (AI) driven by the above server.

17. In paragraph 15, A method of providing information to verify whether the video complies with the restrictions of the above regulations by using the data analysis function of artificial intelligence (AI).

18. In paragraph 15, In the product description of the financial product in the above video, the first part and the second part are divided into two parts, A shorter, summarized version of the product description is created based on the distinction between the first part and the second part, A method for providing information, wherein the first part is a part of the product description for the financial product, which is required to satisfy the restrictions according to the regulations for the financial product.

19. In paragraph 15, Artificial Intelligence (AI) generates verified videos for the above videos, A method for providing information including the verified video providing a description or promotion of the financial product, wherein the financial information is guaranteed to comply with the regulations related to the financial product by the AI.

20. A computer-readable recording medium containing a program for performing a method of providing information in Article 11.

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