Online financial product operation method for quickly providing service for online financial product by recommending participation entry included in rosca-type online financial product, and financial service server performing same

Abstract

Disclosed are: an online financial product operation method for quickly providing service for an online financial product by recommending a participation entry included in the rotating savings and credit association (RoSCA)-type online financial product; and a financial service server performing same. The disclosed method is performed by a financial service server and is for operating a RoSCA-type online financial product composed of a plurality of participation entries, the method comprising the steps of: on the basis of a user relationship network of a target user participating in a first participation entry of a target financial product, retrieving one or more candidate users capable of participating in a second participation entry of the target financial product, for which a participant has not been recruited; and transmitting a participation recommendation message for the target financial product including detailed information of the second participation entry to one or more candidate user terminals corresponding to the one or more candidate users. Here, the user relationship network includes relationship information of each of a plurality of linked users with respect to the target user, the relationship information being set on the basis of information of a plurality of past financial products directly / indirectly associated with the target user.

Description

A method for operating an online financial product that quickly provides the above online financial product by recommending participation entries included in the ROSCA type online financial product, and a financial service server that performs the same.

[0001] Embodiments of the present invention relate to an operating method of an online financial product that quickly provides an online financial product by recommending participation entries included in an online financial product of the RoSCA (Rotating Savings and Credit Association) type, and a financial service server that performs the same.

[0002] Peer-to-peer (P2P) lending, a credit lending service between multiple borrowers and lenders via online open markets, is experiencing rapid growth worldwide. In Korea, as the number of people with low credit ratings who cannot access loans from traditional financial institutions increases, P2P lending is providing access to loan services for those financially excluded from traditional financial institutions.

[0003] In particular, online financial products like the Rotating Savings and Credit Association (RoSCA) are similar to domestic credit associations. They are a joint savings system where each member (i.e., participant) agrees to regularly contribute a fixed amount (i.e., the contribution amount) and takes turns receiving a lump sum (a fixed amount or lump sum). This lump sum can be used for various purposes, such as starting a business, paying tuition, or purchasing a home.

[0004] Specifically, RoSCA-type online financial products consist of multiple participating entries, and multiple participants must be recruited for each participating entry to open and service the product. Each participating entry has different details (e.g., contract amount, contract interest rate, order, and payment amount).

[0005] Meanwhile, there is a problem in which RoSCA-type online financial products are opened late or not opened at all because participants for a specific entry among multiple participation entries are not recruited.

[0006] The purpose of the present invention is to provide a method for operating an online financial product that can quickly open and service an online financial product by recommending participation entries included in an online financial product of the RoSCA (Rotating Savings and Credit Association) type, and a financial service server that performs the same.

[0007] The objectives of the present invention are not limited to those mentioned above, and other objectives and advantages of the present invention not mentioned above can be understood through the following description and will be more clearly understood through the embodiments of the present invention. Furthermore, it will be readily apparent that the objectives and advantages of the present invention can be realized by the means and combinations thereof set forth in the claims.

[0008] A method for operating an online financial product according to one embodiment of the present invention is a method for operating an online financial product of a Rotating Savings and Credit Association (RoSCA) type, which is performed on a financial service server and consists of a plurality of participation entries, the method comprising: a step of searching for one or more candidate users who can participate in a second participation entry of a target financial product for which no participants have been recruited, based on a user relationship network of target users who have participated in a first participation entry of the target financial product; and a step of transmitting a participation recommendation message for the target financial product, which includes detailed information on the second participation entry, to one or more candidate user terminals corresponding to the one or more candidate users. At this time, the user relationship network includes relationship information for a plurality of linked users for the target user, which is established based on information on a plurality of past financial products directly or indirectly related to the target user.

[0009] A financial service server for operating an online financial product of the RoSCA type comprising a plurality of participation entries according to one embodiment of the present invention comprises a memory unit for storing computer-readable instructions, and a processor unit implemented to execute the instructions. Here, the processor searches for one or more candidate users who can participate in a second participation entry of the target financial product for which no participants have been recruited based on a user relationship network of target users who have participated in a first participation entry of the target financial product, and transmits a participation recommendation message for the target financial product containing detailed information of the second participation entry to one or more candidate user terminals corresponding to the one or more candidate users. At this time, the user relationship network includes relationship information for a plurality of linked users for the target user established based on information on a plurality of past financial products directly or indirectly related to the target user.

[0010] According to the present invention, by recommending participation entries included in an online financial product of the RoSCA type, an online financial product can be quickly opened and serviced.

[0011] In addition, the effects of the present invention are not limited to the above-described effects, and should be understood to include all effects that can be inferred from the composition of the invention described in the detailed description or claims of the present invention.

[0012] FIG. 1 is a diagram schematically illustrating the configuration of an operating system for an online financial service according to one embodiment of the present invention.

[0013] FIG. 2 is a diagram schematically illustrating the configuration of a financial service server according to one embodiment of the present invention.

[0014] FIG. 3 is a drawing for explaining the concept of an online financial product of the RoSCA type according to one embodiment of the present invention.

[0015] FIG. 4 is a diagram for explaining the concept of information related to a RoSCA financial product according to one embodiment of the present invention.

[0016] FIG. 5 and FIG. 9 are flowcharts illustrating a method for operating a RoSCA financial product according to one embodiment of the present invention.

[0017] FIG. 6 is a diagram for explaining the concept of a user relationship network of a target user according to one embodiment of the present invention.

[0018] FIG. 7a and FIG. 7b are diagrams for explaining the concept of setting edge information (i.e., joint participation information) in a user relationship network according to one embodiment of the present invention.

[0019] FIG. 8 is a drawing illustrating an example of a target financial product according to one embodiment of the present invention.

[0020] The present invention is susceptible to various modifications and embodiments. Specific embodiments are illustrated and described in detail in the drawings. However, this is not intended to limit the present invention to specific embodiments, but rather to encompass all modifications, equivalents, and alternatives falling within the spirit and technical scope of the present invention. Throughout the description of each drawing, similar reference numerals have been used to designate similar components.

[0021] While terms such as "first," "second," etc. may be used to describe various components, these components should not be limited by these terms. These terms are used solely to distinguish one component from another. The term "and / or" includes any combination of multiple related listed items or any one of multiple related listed items.

[0022] When a component is referred to as being "connected" or "connected" to another component, it should be understood that it may be directly connected or connected to that other component, but that there may be other components intervening. Conversely, when a component is referred to as being "directly connected" or "connected" to another component, it should be understood that there are no other components intervening.

[0023] The terminology used herein is merely used to describe specific embodiments and is not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly indicates otherwise. In this application, it should be understood that the terms "comprise" or "have" indicate the presence of a feature, number, step, operation, component, part, or combination thereof described in the specification, but do not preclude the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0024] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains. Terms defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the relevant technology, and shall not be interpreted in an idealized or overly formal sense unless explicitly defined herein.

[0025] Hereinafter, embodiments according to the present invention will be described in detail with reference to the attached drawings.

[0026]

[0027] FIG. 1 is a diagram schematically illustrating the configuration of an operating system (1) of an online financial service according to one embodiment of the present invention.

[0028] Referring to FIG. 1, an online financial service operating system (1) may include a user terminal (10) and a financial service server (20). Meanwhile, although not clearly shown in FIG. 1, there may be multiple user terminals (10).

[0029] The user terminal (10) may be a processor-based device owned by the user. For example, the user terminal (10) may also be referred to by various names, such as a mobile terminal, a wireless device, a wireless transmit / receive unit, or a mobile subscriber unit. For example, the user terminal (10) may be a smartphone, a tablet PC, a laptop, or the like.

[0030] A terminal financial application for providing online financial services may be installed on the user terminal (10). The terminal financial application may be executed by the processor unit of the user terminal (10).

[0031] A financial service server (20) is connected to a user terminal (10) and a server-based financial application can be installed. The server-based financial application can provide various online financial products in conjunction with the terminal-based financial application.

[0032] Meanwhile, as described below, the online financial product may be a Rotating Savings and Credit Association (RoSCA) type online financial product. A RoSCA type online financial product may include multiple participation entries involving multiple users. RoSCA type online financial products are described in more detail below.

[0033] FIG. 2 is a diagram illustrating a schematic configuration of a financial service server (20) according to one embodiment of the present invention.

[0034] Referring to FIG. 2, the financial service server (20) may include a communication unit (21), a memory unit (22), and a processor unit (23).

[0035] The communication unit (21) can perform communication with the user terminal (10). For example, the communication unit (21) may be a short-range communication module and / or a long-range communication module. The short-range communication module may be a communication module according to Bluetooth, RFID (radio frequency identification), IrDA (infrared data association), UWB (ultra-wideband), ZigBee, or WiFi (wireless fidelity). The long-range communication module may be a communication module according to CDMA (code division multiple access), FDMA (frequency division multiple access), TDMA (time division multiple access), OFDMA (orthogonal frequency division multiple access), or SCFDMA (single carrier frequency division multiple access).

[0036] The memory unit (22) may be a volatile and / or non-volatile memory and may store commands or data related to at least one other component of the financial service server (20). In particular, the memory unit (22) may store commands or data related to a computer program, application, recording medium, etc. executed in the financial service server (20). In particular, the computer program / application may be for servicing online financial products.

[0037] The processor unit (23) may include one or more of a central processing unit, an application processor, or a communication processor. The processor (13) may perform operations or data processing related to the control and / or communication of at least one other component of the management server (10). In particular, the processor unit (23) may execute instructions of a computer program / application.

[0038] Although not shown in FIG. 2, the financial services server may further include a display unit, a storage unit, etc.

[0039] Below, the RoSCA type online financial product provided by the financial service server (20) is described in detail.

[0040] FIG. 3 is a drawing for explaining the concept of an online financial product (30) of the RoSCA type according to one embodiment of the present invention.

[0041] Hereinafter, for convenience of explanation, online financial products of the RoSCA type are referred to as “RoSCA financial products (30).”

[0042] Referring to FIG. 3, a RoSCA financial product (30) may be configured to include a plurality of, i.e., N (an integer greater than or equal to 2) participation entries (31). Here, the RoSCA financial product (30) may be referred to as a "stage", and the N participation entries (31) may be referred to as "N stage participation spaces".

[0043] A RoSCA financial product (30) can be created by a specific user, i.e., a creation user, and N participation entries (31) can have N participation users including the creation user participate.

[0044] A sequential order may be assigned to N participating entries (31). According to the order of each of the N participating entries (31), at least one of the contract amount (i.e., lump sum, lump sum, or payment amount), contract interest rate, and payment amount (e.g., monthly payment amount) of each participating entry (31) may be set.

[0045] Specifically, a RoSCA financial product (30) having N participating entries (31) with sequential order numbers and in which a total of N payments of a deposit amount and one payment amount are made can be created. Each participating user must pay a total of N deposit amounts and can receive one payment of a deposit amount, and the time of receipt of the deposit amount can be determined according to the order number of the participating entry (31). For convenience of explanation, it is assumed that the number of participating entries (31) and the number of payment installments of the deposit amount are the same. However, the present invention is not limited thereto, and the number of participating entries (31) and the number of payment installments of the deposit amount may be different from each other.

[0046] The payment amount of each participating user (i.e., the payment amount of the 1st to nth installments) can be set differently depending on the order of the corresponding participation entry (31), and the payment amount of each participating user can be set the same regardless of the order of the participation entry (31). Alternatively, the payment amount of each participating user can be set the same regardless of the order of the participation entry (31), and the payment amount of each participating user can be set differently depending on the order of the corresponding participation entry (31). In addition, a participating user who participated in the nth (an integer greater than or equal to 1 and less than or equal to N) participation entry (31) among N participation entries (31) can receive the payment amount in the nth installment.

[0047] Each participating user can select the order of participation entry (31) according to the purpose of use of the RoSCA financial product (30).

[0048] Specifically, a user who needs money urgently can participate in a participation entry (31) with a fast turn number among N participation entries (31). In this case, the contracted interest rate of the participation entry (31) with a fast turn number may be a negative contracted interest rate, and the user can receive the payment amount quickly, but there is a disadvantage that the payment amount becomes smaller than the total payment amount. As another example, a user who wants to earn financial income (e.g., interest) can participate in a participation entry (31) with a slow turn number among N participation entries (31). In this case, the contracted interest rate of the participation entry (31) with a slow turn number may be a positive contracted interest rate, and the user has the advantage that the payment amount becomes larger than the total payment amount, but there is a disadvantage that the payment amount becomes delayed.

[0049] In other words, users who participated in participation entries (31) with relatively fast turn numbers can use RoSCA financial products (30) for loan purposes, and users who participated in participation entries (31) with relatively slow turn numbers can use RoSCA financial products (30) for investment purposes. For example, when the number of participation entries (31) is 5, users who participated in participation entries (31) with turns 1 and 2 can use RoSCA financial products (30) for loan purposes, and users who participated in participation entries (31) with turns 4 and 5 can use RoSCA financial products (30) for investment purposes.

[0050] Meanwhile, the RoSCA financial product operation method specifically described below can correspond to a method of recruiting participants for a second participation entry based on information of participants (users) who have previously participated in the first participation entry, i.e., a method of recommending participants for participation entries, when no participants are recruited for the second participation entry of a RoSCA financial product (30).

[0051] Below, we will first explain the information used to recommend participants for participation entries.

[0052] FIG. 4 is a drawing for explaining the concept of information related to a RoSCA financial product (30) according to one embodiment of the present invention.

[0053] At this time, it is assumed that the RoSCA financial product (30) includes five participation entries (31) in which all participants have been recruited.

[0054] Referring to FIG. 4, as described above, each participating entry (31) may be assigned a sequence number, and the payment time of the agreed amount for each participant in each participating entry (31) may be determined based on the sequence number. For example, when the agreed amount is paid monthly, participants 1 through 5 each receive the agreed amount in the first through fifth months.

[0055] In particular, the payment time of the contract amount has a very important meaning when using RoSCA financial products (30).

[0056] Specifically, from Participant 1's perspective, Participants 2 through 5 must pay their monthly installments in order for Participant 1 to receive the agreed-upon amount in the first month. In other words, Participant 1's agreed-upon amount is formed based on the monthly installments of Participants 2 through 5. Accordingly, Participant 1 borrows money from each of Participants 2 through 5. In other words, Participant 1 contributes money from each of Participants 2 through 5. Meanwhile, since Participants 2 through 5 receive the agreed-upon amount in the second through fifth months, respectively, they lend money to Participant 1 for one to four months, respectively.

[0057] Similarly, from Participant 3's perspective, the respective commitment amounts for Participants 1 and 2 are formed based on Participant 3's monthly payment amounts. Therefore, Participant 3 lends (i.e., contributes) money to Participants 1 and 2. Furthermore, Participant 3's commitment amounts are formed based on the respective monthly payment amounts for Participants 4 and 5. Therefore, Participant 3 borrows (i.e., receives contributions) money from Participants 4 and 5. Meanwhile, Participant 3 lends money to Participants 1 and 2 for two months and one month, respectively, and borrows money from Participants 4 and 5 for one month and two months, respectively.

[0058] Based on the above description, a contribution relationship value can be defined between a specific participant and another participant. If a specific participant borrows money from another participant, the contribution relationship value can be defined to have a negative value. If a specific participant lends money to another participant, the contribution relationship value can be defined to have a positive value.

[0059] In an embodiment, the contribution relationship value of a specific participant and another participant may be set based on the difference in the order of the participation entries (31) of the RoSCA financial product (30) in which the specific participant and another participant participated. Specifically, the difference in order may be a value obtained by subtracting the order of the participation entries (31) in which the specific participant participated from the order of the participation entries (31) in which the other participant participated. In addition, the contribution relationship value may be set further based on the contract amount, monthly payment amount, etc. of each of the specific participant and another participant.

[0060] Assuming that the contribution relationship value is set only by the order difference, referring to FIG. 4, from the perspective of participant 1, the contribution relationship value between participants 1 and 2 may be "-1", the contribution relationship value between participants 1 and 3 may be "-2", the contribution relationship value between participants 1 and 4 may be "-3", and the contribution relationship value between participants 1 and 5 may be "-4". In addition, from the perspective of participant 3, the contribution relationship value between participants 3 and 1 may be "2", the contribution relationship value between participants 3 and 2 may be "1", the contribution relationship value between participants 3 and 4 may be "-1", and the contribution relationship value between participants 3 and 5 may be "-2".

[0061] Hereinafter, the operation of a financial service server (20) that operates an online financial product of the RoSCA type will be described based on the contents of FIGS. 3 and 4.

[0062] FIG. 5 is a diagram illustrating an overall flowchart of a RoSCA financial product operation method according to one embodiment of the present invention.

[0063] The RoSCA financial product operation method according to FIG. 5 may correspond to a recommendation method of a participation entry (31) that recruits participants to a second participation entry (31) based on information of participants (users) who have previously participated in a first participation entry (31) when no participants are recruited to a second participation entry (31) of a RoSCA financial product (30).

[0064] At this time, the RoSCA financial product operation method can be provided by linking a server-use financial application running on a financial service server (20) and a terminal-use financial application running on a user terminal (10) with each other.

[0065] Hereinafter, the process of the steps that constitute the RoSCA financial product operation method will be described in detail based on the financial service server (20). Meanwhile, for convenience of explanation, the RoSCA financial product (30) will be referred to as "financial product (30)."

[0066] In step (S10), the financial service server (20) can create (or set up) a user relationship network of the target user.

[0067] According to an embodiment, the user relationship network of the target user may include relationship information for multiple linked users regarding the target user. In this case, the relationship information may be established based on information regarding multiple past financial products (40, see FIG. 6) directly or indirectly associated with the target user.

[0068] Specifically, the past financial product (40) may be a RoSCA type financial product whose service has been terminated in the past. In this case, "termination of service of the past financial product (40)" may correspond to a situation in which all multiple participants in the past financial product (40) have received the agreed-upon amount. Furthermore, the past financial product (40) may be defined to further include financial products (40) whose service is currently in progress and for which some participants have not yet received the agreed-upon amount.

[0069] Additionally, the plurality of past financial products (40) may include at least one direct past financial product (40) and at least one indirect past financial product (40). The direct past financial product (40) may be a past financial product (40) in which the target user directly participated. The indirect past financial product (40) may be a past financial product (40) in which the target user did not directly participate.

[0070] Furthermore, the multiple linked users may include at least one direct linked user and at least one indirect linked user. A direct linked user may be a linked user who directly participated in a past financial product (40) with the target user. An indirect linked user may be a linked user who only participated in an indirect past financial product (40) without directly participating in the past financial product (40). Therefore, an indirect linked user may form a relationship with the target user through a direct linked user.

[0071] According to an embodiment, relationship information of a first linked user among multiple linked users may be established based on joint participation information for N pairs of users associated with the target user and the first linked user. In this case, N may be an integer greater than or equal to 1.

[0072] According to an embodiment, the N user pairs may have a hierarchical structure. That is, when the (i-1)th, (i-1)th, and (i+1)th user pairs are included in the N user pairs, the first user of the (i-1)th user pair may be the second user of the (i-1)th user pair, and the second user of the (i-1)th user pair may be the first user of the (i+1)th user pair. In this case, i may be an integer greater than or equal to 1 and less than or equal to N. In addition, the first user of the first user pair among the N user pairs may be a target user, and the second user of the Nth user pair among the N user pairs may be a first linked user.

[0073] According to an embodiment, joint participation information may be set based on information on at least one first past financial product (40) in which the first and second users constituting the user pair jointly participated. Furthermore, the joint participation information may include the number of at least one first past financial product (40) and a contribution relationship value between the first and second users. Here, the contribution relationship value may be set based on the difference in the order of at least one first past financial product (40) in which the first and second users jointly participated.

[0074] Hereinafter, the user relationship network of the target user will be described in more detail with reference to FIGS. 6, 7a, and 7b.

[0075] FIG. 6 is a diagram for explaining the concept of a user relationship network of a target user according to one embodiment of the present invention.

[0076] Referring to FIG. 6, the user relationship network of the target user, user A, may be a radial tree graph (50).

[0077] A radial tree graph (50) may include a plurality of nodes (51) including a central node (51a) and a plurality of peripheral nodes (51b, 51c). The plurality of nodes (51) may correspond to a plurality of users, and the plurality of users may be composed of the target user described above and a plurality of linked users.

[0078] Node A (51), which is a central node (51a), can correspond to user A (i.e., target user), and nodes B to L (51), which are a plurality of peripheral nodes (51b), can correspond to users B to L (i.e., linked users).

[0079] Among multiple nodes (51), the first and second nodes (51) connected to each other by an edge (52) can form a node pair. A node pair can correspond to a user pair. Accordingly, the first and second nodes (51) can correspond to the first and second users.

[0080] Edge (52) may indicate that a first user corresponding to the first node (51) and a second user corresponding to the second node (51) participated together in the first past financial product (40).

[0081] For example, since nodes A and B (51) are connected by an edge (52), user A participated in the first past financial product (40) with user B, since nodes B and F (51) are connected by an edge (52), user B participated in the first past financial product (40) with user F, and since nodes F and L (51) are connected by an edge (52), user F participated in the first past financial product (40) with user L. On the other hand, since nodes A and F (51) are not connected by an edge (52), user A did not participate in the first past financial product (40) with user F, and since nodes A and L (51) are not connected by an edge (52), user A did not participate in the first past financial product (40) with user L.

[0082] Meanwhile, since node A (51) is connected to nodes B, C, D, and E (51) respectively by edges (52), users B, C, D, and E corresponding to nodes B, C, D, and E (51) respectively may be the directly connected users described above. In addition, since node A (51) is not connected to nodes F, G, H, I, J, K, and L (51) respectively by edges (52), users F, G, H, I, J, K, and L corresponding to nodes F, G, H, I, J, K, and L (51) respectively may be the indirectly connected users described above.

[0083] In addition, as described above, since N user pairs can have a hierarchical structure, N node pairs can also have a hierarchical structure. For example, node pair (A, B), node pair (B, F), and node pair (F, L) can have a hierarchical structure, and the first node of node pair (B, F) can be the second node of node pair (A, B), and the second node of node pair (B, F) can be the first node of node pair (F, L). In addition, since the first node has a smaller hop count than the second node, the first user corresponding to the first node can be defined as a linked user who is closer to the target user than the second user corresponding to the second node.

[0084] Meanwhile, the information of the edge (52) of the node pair may correspond to the joint participation information of the user pair. That is, the information of the edge (52) corresponding to the joint participation information may be expressed as [number of first past financial products, contribution relationship value]. For example, the information of the edge (52) of the node pair composed of nodes A and B (51) may be [5, -3], the information of the edge (52) of the node pair composed of nodes B and F (51) may be [4, 2], and the information of the edge (52) of the node pair composed of nodes F and L (51) may be [4, -2].

[0085] Hereinafter, the concept of setting the information of the edge (52), i.e., joint participation information, will be described in detail with reference to FIGS. 7a and 7b.

[0086] FIG. 7a and FIG. 7b are drawings for explaining the concept of setting information of an edge (52) according to one embodiment of the present invention.

[0087] The information of the edge (52) described in FIGS. 7A and 7B is information of the edge (52) of a node pair consisting of nodes A and B (51), and can correspond to joint participation information between users A and B. Meanwhile, the contents described in FIGS. 7A and 7B can be equally applied to all node pairs (i.e., user pairs) of FIG. 6. And, for convenience of explanation, it is assumed that the contribution relationship value of a node pair (i.e., user pair) is set only to "order difference."

[0088] Referring to FIGS. 7A and 7B, since users A and B participated in five first past financial products (40) together, the number of first past financial products (40) may be set to "5." Meanwhile, the number of first past financial products (40) may correspond to the RoSCA intimacy between users A and B.

[0089] And, in the first past financial product (40a) illustrated in the upper part of Fig. 7a, since user A participated in participation entry 1 and user B participated in participation entry 3, the contribution relationship value between users A and B can be set to "-2". Similarly, the contribution relationship value between users A and B in the first past financial product (40b) illustrated in the lower part of Fig. 7a can be set to "-3", and the contribution relationship values ​​between users A and B in each of the three first past financial products (40c, 40d, 40e) illustrated in the upper, middle, and lower parts of Fig. 7b can be set to "4", "-3", and "1", respectively.

[0090] According to an embodiment, the contribution relationship value of a node pair (i.e., the contribution relationship value of a user pair) may be set based on the sum of the order differences of each of at least one first past financial product (40) in which users A and B participated together. That is, the contribution relationship value of a node pair may be set to "-3" (=(-2)+(-3)+4+(-3)+1).

[0091] Alternatively, according to another embodiment, the contribution relationship value of a node pair may be set based on the maximum count value among the count values ​​of the order differences for at least one first past financial product (40) in which users A and B participated together. That is, since "-3" among the count values ​​of the order differences for the first past financial product (40) has the maximum count value (2), the contribution relationship value of a node pair may be set to "-3".

[0092] Meanwhile, based on the number of first past financial products (40), the contribution relationship value of the node pair may be set to the "sum value of the order difference" or the "count value of the order difference." That is, when the number of first past financial products (40) is less than or equal to a preset threshold, for example, 20, the contribution relationship value of the node pair may be set to the sum value of the order difference, and when the number of first past financial products (40) exceeds the threshold of 20, the contribution relationship value of the node pair may be set to the count value of the order difference.

[0093] Referring again to FIG. 6, relationship information between the first peripheral node (51b) and the central node (51a) can be set based on information of edges (52) for each of N pairs of nodes associated with the central node (51a) and the first peripheral node (51b). Here, the relationship information of the first peripheral node (51b) can correspond to the relationship information of the first linked user among the plurality of linked users.

[0094] As an example, if the first peripheral node (51b) is node L (51), the N node pairs may include three node pairs connected by edges (52) between node A (51) and node L (51), and the three node pairs may be node pair (A, B), node pair (B, F), and node pair (F, L). As another example, if the first peripheral node (51b) is node B (51), the N node pairs may be one node pair connected by edges (52) from node A (51) and node B (51), i.e., node pair (A, B).

[0095] According to an embodiment, the relationship information of the first peripheral node (51b) (i.e., the first linked user) may be a combined contribution relationship value of the first peripheral node (51b) with respect to the central node (51a) (i.e., the target user) that is set based on contribution relationship values ​​for each of N node pairs (i.e., user pairs). In particular, the combined contribution relationship value may correspond to the sum of the contribution relationship values ​​for each of N node pairs.

[0096] As an example, if the first peripheral node (51b) is node B (51), the relationship information of node B (51) to node A (51) may be set to "-3". As another example, if the first peripheral node (51b) is node G (51), the relationship information of node G (51) to node A (51) may be set to "1" (=(-3)+4). As another example, if the first peripheral node (51b) is node L (51), the relationship information of node L (51) to node A (51) may be set to "-3" (=(-3)+2+(-2)).

[0097] Again, referring to FIG. 5, in step (S20), the financial service server (20) can allow the target user to participate as a participant in the first participation entry (31) of the target financial product (30).

[0098] FIG. 8 is a drawing illustrating an example of a target financial product (30) according to one embodiment of the present invention.

[0099] Here, the target user, User A, participated as Participant 1 in Participant Entry 1 (31-4). Meanwhile, it is assumed that User A's user relationship network corresponds to Fig. 6.

[0100] Again, referring to FIG. 5, in step (S30), the financial service server (20) can search for one or more candidate users who can participate in the second participation entry (31) of the target financial product (30) for which no participants have been recruited based on the user relationship network of the target user.

[0101] In the example of FIG. 8, since no participant was recruited for participation entry 4 (31-4), participation entry 4 (31-4) may be the second participation entry (31).

[0102] Below, step (S30) will be described in detail.

[0103] Figure 9 is a drawing showing a detailed flowchart of step (S30) among the steps of Figure 1.

[0104] In step (S31), the financial service server (20) can calculate the target sequence difference by subtracting the sequence number of the second participation entry (31) from the sequence number of the first participation entry (31).

[0105] In the example of Fig. 8, the sequence number of the first participating entry (31), participation entry 1 (31-1), is "1", and the sequence number of the second participating entry (31), participation entry 4 (31-4), is "4", so the target sequence difference can be calculated as "-3".

[0106] In step (S32), the financial service server (20) can select two or more linked users among multiple linked users that have a combined contribution relationship value corresponding to the target sequence difference.

[0107] In the examples of FIGS. 6 and 8, since the combined contribution relationship value of each of users B, I, K, and L is “-3,” the financial service server (20) can select users B, I, K, and L as two or more linked users among multiple linked users.

[0108] In step (S33), the financial service server (20) can search for at least some of the two or more linked users as one or more candidate users.

[0109] According to an embodiment, the financial service server (20) may select one or more linked users among two or more linked users, in which the number of first past financial products (40) for each pair of N users is equal to or greater than a preset threshold number, and search for one or more linked users as one or more candidate users.

[0110] In the examples of FIGS. 6 and 8, it is assumed that the threshold number is set to "3". At this time, since user B has one node pair (i.e., a user pair), and the number of first past financial products (40) in one node pair is "5", user B can be included as a candidate user. In addition, since user I has two node pairs, and the number of first past financial products (40) in each of the two node pairs is "5", "7", user I can be included as a candidate user. Similarly, since the number of first past financial products (40) in each of the three node pairs for user L is "5", "4", "4", user L can be included as a candidate user. However, since the number of first past financial products (40) in each of the two node pairs for user K is "1", "4", and "1" is less than the threshold number, user K can be excluded from the candidate users. Accordingly, the financial service server (20) can search for users B, I, and L as one candidate user.

[0111] Again, referring to FIG. 5, in step (S40), the financial service server (20) can transmit a participation recommendation message of a target financial product (30) containing details of a second participation entry (31) to one or more candidate user terminals (10) corresponding to one or more candidate users.

[0112] Meanwhile, one or more candidate users may decide whether to participate in the second participation entry (31) of the target financial product (30) based on the aforementioned participation recommendation message. In particular, the candidate user may further verify his / her user network and then decide whether to participate in the second participation entry (31).

[0113] Meanwhile, in the example of FIG. 8, users X, Y, and Z can each participate as participants of participation entries 2 (31-2), 3 (31-3), and 5 (31-5). Therefore, the RoSCA financial product operation method according to FIG. 5 can be separately performed with users X, Y, and Z as target users. That is, a participation recommendation message for the target financial product (30) can be sent to each of one candidate user based on user X, one candidate user based on user Y, and one candidate user based on user Z.

[0114] In short, the operating method of the RoSCA financial product (30) according to the present invention can calculate a contribution relationship value of the amount between participants based on the difference in the order of participation entries (i.e., the difference in the payment time of the contract amount) between participants who participated in a financial product (40) in the past, and can search for candidate users who will participate in a specific participation entry (31) of a target financial product (30) that the participant is recruiting based on the contribution relationship value and send a participation recommendation message. Accordingly, the target financial product (30) can be quickly opened and serviced, and the candidate users can be recommended a specific participation entry (31) of a target financial product (30) that has reliability.

[0115] In addition, embodiments of the present invention may be implemented in the form of program commands that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program commands, data files, data structures, etc., alone or in combination. The program commands recorded on the medium may be those specially designed and configured for the present invention, or may be those known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program commands, such as ROMs, RAMs, and flash memories. Examples of program commands include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform operations of embodiments of the present invention, and vice versa.

[0116] Although the present invention has been described with specific details such as specific components and limited embodiments and drawings, these are provided only to help the overall understanding of the present invention, and the present invention is not limited to the above embodiments, and those with ordinary skill in the art to which the present invention pertains can make various modifications and variations based on these descriptions. Therefore, the spirit of the present invention should not be limited to the described embodiments, and all things that are equivalent or equivalent to the claims as well as the claims described below are considered to fall within the scope of the spirit of the present invention.

Claims

1. A method for operating an online financial product of the RoSCA type, which is performed on a financial service server and consists of multiple participating entries. A step of searching for one or more candidate users who can participate in a second participation entry of the target financial product for which no participants have been recruited based on the user relationship network of the target users who participated in the first participation entry of the target financial product; and A step of transmitting a participation recommendation message of the target financial product including details of the second participation entry to one or more candidate user terminals corresponding to the one or more candidate users; including; The above user relationship network includes relationship information for multiple linked users for the target user established based on information on multiple past financial products directly or indirectly related to the target user. How to operate online financial products.

2. In paragraph 1, The relationship information of the first linked user among the plurality of linked users is set based on joint participation information for each pair of N (an integer greater than or equal to 1) users associated with the target user and the first linked user, The above joint participation information is set based on information of at least one first past financial product in which the first and second users constituting the user pair participated together. How to operate online financial products.

3. In paragraph 2, The above N user pairs have a hierarchical structure, Among the N user pairs, the first user of the i-th user pair (an integer greater than or equal to 1 and less than or equal to N) is the second user of the i-1-th user pair among the N user pairs, and the second user of the i-th user pair is the first user of the i+1-th user pair among the N user pairs. Among the N user pairs, the first user of the first user pair is the target user, and the second user of the N user pair of the N user pairs is the first linked user. How to operate online financial products.

4. In paragraph 2, The above joint participation information includes the number of at least one first past financial product and the contribution relationship value between the first and second users, The above contribution relationship value is set based on the difference in the order of at least one first past financial product, The above difference in order is the order of the participation entry of the first past financial product in which the first user participated, minus the order of the participation entry of the first past financial product in which the second user participated. How to operate online financial products.

5. In paragraph 4, The contribution relationship value of the above user pair is, It is set based on the value obtained by adding up the sequential differences of each of the at least one first past financial products. How to operate online financial products.

6. In paragraph 4, The contribution relationship value of the above user pair is, Set based on the maximum count value among the count values ​​of the difference in the order of at least one first past financial product, How to operate online financial products.

7. In paragraph 4, The relationship information of the first linked user is a combined contribution relationship value of the first linked user for the target user, which is set based on the contribution relationship value for each of the N user pairs. How to operate online financial products.

8. In paragraph 7, The above combination contribution relationship value corresponds to the sum of the contribution relationship values ​​for each of the N user pairs. How to operate online financial products.

9. In paragraph 7, The steps for searching the above candidate users are: The target sequence difference is calculated by subtracting the sequence number between the second participating entries from the sequence number of the first participating entry, Among the above multiple linked users, two or more linked users having the combined contribution relationship value corresponding to the target order difference are selected, Searching for at least some of the above two or more linked users as one or more candidate users; How to operate online financial products.

10. In paragraph 9, The steps for searching the above candidate users are: Among the above 2 or more linked users, one or more linked users are selected for which the number of the first past financial products for each of the N user pairs is greater than or equal to a preset threshold number, and the one or more linked users are searched for as the one or more candidate users. How to operate online financial products.

11. In paragraph 2, The above user relationship network corresponds to a radial tree graph including multiple nodes consisting of a central node and multiple peripheral nodes, The central node corresponds to the target user, and the plurality of peripheral nodes correspond to the plurality of linked users. Among the plurality of nodes, the first and second nodes connected to each other by edges correspond to the first and second users constituting the user pair, The information of the above edge corresponds to the above joint participation information, How to operate online financial products.

12. A computer-readable recording medium recording a program for executing the method of any one of clauses 1 to 11 on a computer.

13. In a financial service server that operates an online financial product of the RoSCA type consisting of multiple participating entries, A memory section that stores computer-readable instructions; and A processor unit implemented to execute the above command; including: The above processor, Search for one or more candidate users who can participate in the second participation entry of the target financial product for which no participants have been recruited based on the user relationship network of the target users who participated in the first participation entry of the target financial product, Transmitting a participation recommendation message for the target financial product containing details of the second participation entry to one or more candidate user terminals corresponding to the one or more candidate users; The above user relationship network includes relationship information for multiple linked users for the target user established based on information on multiple past financial products directly or indirectly related to the target user. Financial services server.

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