Apparatus and method for providing financial service based on location information and asset information

Abstract

A method, performed by at least one processor, for providing a financial service according to the present disclosure may comprise the steps of: generating first group attribute information for a first group including a user of a financial service providing terminal; generating a plurality of pieces of suitability information for each of the first group attribute information and a plurality of pieces of travel product attribute information; sorting the plurality of pieces of generated suitability information; and sequentially displaying a plurality of travel products on the financial service providing terminal of the user according to the sorted plurality of pieces of suitability information.

Description

Device and method for providing financial services based on location information and asset information

[0001] The present disclosure relates to a method for providing financial services using location information and asset information, and more specifically, to a method for providing tourism product and financial transaction analysis information using location information and asset information.

[0002] Currently, financial services available on the market focus on spending and asset management. For example, analyzing spending over a specific period to provide users with insights into spending management or providing information on changes in their financial assets are among the most important aspects of current financial services. Furthermore, recent financial services are moving towards recommending appropriate financial products based on users' spending patterns, asset holdings, and other factors.

[0003] However, current financial services do not offer recommendations for goods and services that consider the presence of abnormal financial transactions, a relative assessment of a user's asset size, or information about the user's residential area and assets outside of financial products. For financial service platforms to develop with greater scalability, they need to offer more services within the financial domain and further integrate with general products beyond financial products.

[0004] Furthermore, the recent rise of new store formats, such as unmanned stores, and the growing popularity of consumer environments catering to younger generations, such as prepaid card payments, are becoming more prevalent. However, existing anomaly detection techniques rely on adult consumption patterns to detect anomalies, making them inappropriate for consumer environments primarily used by younger generations.

[0005] Accordingly, there is a demand in the industry for financial service techniques for analyzing users' financial transactions and recommending products, as well as for abnormal transaction detection techniques suitable for the new consumer environment.

[0006] The purpose of this disclosure is to provide a financial service platform that takes into account the user's location information and asset size.

[0007] The problems to be solved by the present disclosure are not limited to the problems described above, and other problems not mentioned will be clearly understood by those skilled in the art from the description below.

[0008] A method for providing a financial service performed by at least one processor according to an embodiment of the present disclosure may include: generating first group attribute information for a first group including users of a financial service providing terminal; generating a plurality of pieces of suitability information for each of the first group attribute information and a plurality of pieces of travel product attribute information; sorting the plurality of pieces of suitability information that have been generated; and displaying a plurality of travel products in order on a user's financial service providing terminal according to the sorted plurality of pieces of suitability information.

[0009] In addition, the step of generating the group attribute information may be characterized by including a step of generating group personal information and group asset information.

[0010] In addition, the group recognition information may include group type information and group gender information, and the group type information may include any one of family, friends, couples, and pets, and the group gender information may include any one of male, female, and mixed.

[0011] In addition, the group asset information may include group income statistical information and group asset statistical information, and the group income statistical information and the group asset statistical information may be characterized as being an average of the income and assets of each group member included in the group.

[0012] In addition, the step of generating a plurality of pieces of suitability information for each of the first group attribute information and the plurality of pieces of travel product attribute information may include a step of generating first travel product attribute information; and the first travel product attribute information may be characterized in that it includes first travel product personal information and first travel product asset information.

[0013] In addition, the first travel product personal information may be characterized by including first travel product usage group type statistical information and first travel product usage group gender statistical information.

[0014] In addition, the first travel product usage group type statistical information may be characterized by using the most frequent value among the group types using the first travel product, and the first travel product usage group gender statistical information may be characterized by using the most frequent value among the group genders using the first travel product.

[0015] In addition, the step of generating a plurality of pieces of suitability information for each of the first group attribute information and the plurality of pieces of travel product attribute information may be characterized by including a step of calculating a similarity between the first group attribute information and the first travel product attribute information.

[0016] In addition, the similarity between the first group attribute information and the first travel product attribute information may be characterized by using cosine similarity.

[0017] A method for providing a financial service performed by at least one processor included in a financial service providing server according to an embodiment of the present disclosure, comprising: receiving information on a custodial transaction; and classifying a custodial transaction as a normal transaction or a risky transaction based on information on a custodial transaction item, an amount of the custodial transaction, and an amount of the custodial location included in the information on the custodial transaction; wherein the step of classifying a custodial transaction as a normal transaction or a risky transaction includes a first risky transaction detection step, wherein the first risky transaction detection step includes: determining whether the custodial transaction item corresponds to the custodial transaction item restriction criterion; determining whether the amount of the custodial transaction exceeds a preset value; and determining whether a distance between the custodial terminal location information and the custodial transaction location is greater than or equal to a preset value.

[0018] In addition, the above-mentioned criteria for limiting the transaction of goods by the custodian may be characterized in that they are determined based on the age information of the custodian.

[0019] In addition, the step of determining whether the amount of the custodial transaction exceeds a preset value may include a step of determining whether the amount of the custodial transaction exceeds the amount of the custodial allowance; and a step of determining whether the amount of the custodial transaction exceeds the size of the custodial asset.

[0020] In addition, the step of classifying the above-mentioned transaction of the custodian as a normal transaction or a risky transaction may include a second risky transaction detection step, and the second risky transaction detection step may be characterized in that it is performed based on the transaction pattern of the custodian.

[0021] In addition, the second risk transaction detection step may include a step of determining whether the amount of the custodial transaction deviates from the custodial transaction amount statistical information by a preset value or more; a step of determining, based on the custodial transaction item statistical information, whether the custodial transaction item has been previously traded; and a step of determining, based on the custodial transaction location statistical information, whether the custodial transaction location is a location where a transaction has previously occurred.

[0022] A financial service providing method performed by at least one processor included in a financial service providing server according to one embodiment of the present disclosure may include the steps of: determining first custodian region information; generating regional asset status statistical information based on the determined first custodian region information; and generating relative level information of the first custodian asset status based on the regional asset status statistical information and previously stored first custodian asset status information.

[0023] Additionally, the first custodian area information may be characterized by including school district information.

[0024] In addition, the step of generating regional asset status statistics information based on the determined first custodian regional information may include the steps of generating asset status information of a plurality of second custodians related to the same region as the first custodian regional information; determining a distribution of regional asset status information based on the asset status information of the second custodians; and generating relative level information of the asset status of the first custodian based on the distribution of the regional asset status information.

[0025] In addition, the relative level information of the status of the first custodian's assets may be characterized by being generated for each type of the first custodian's assets.

[0026] The financial service method according to the present disclosure can easily identify and provide users with information on whether their transactions are abnormal. Furthermore, the financial service method according to the present disclosure can provide users with information on their relative asset management status relative to a homogeneous population. Additionally, the financial service method according to the present disclosure can provide product recommendations appropriate to the user's asset status in areas outside the financial domain.

[0027] The effects according to the present disclosure are not limited to the effects described above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

[0028] FIG. 1 is a conceptual diagram illustrating a method of providing information to a user regarding whether a custodial transaction is an abnormal transaction according to some embodiments of the present disclosure.

[0029] FIG. 2 is a block diagram illustrating an abnormal transaction detection module for determining whether a custodial transaction is an abnormal transaction according to some embodiments of the present disclosure.

[0030] FIG. 3 is a block diagram illustrating a configuration for providing asset management status information of a custodian based on location information in a financial service according to some embodiments of the present disclosure.

[0031] FIG. 4 is a block diagram showing the configuration of a travel product recommendation unit according to some embodiments of the present disclosure.

[0032] FIG. 5 is a conceptual diagram specifically illustrating the operation of a travel product recommendation unit (400) according to some embodiments of the present disclosure.

[0033] FIG. 6 is a block diagram illustrating a computing device for executing the financial service providing method of the present disclosure.

[0034] Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the contents described in the attached drawings. However, the present invention is not limited or restricted by the exemplary embodiments. Unless otherwise defined, all terms (including technical and scientific terms) used in this specification shall be used with meanings that can be commonly understood by those of ordinary skill in the technical field to which this disclosure pertains. However, this may vary depending on the intentions of those skilled in the art, precedents, the emergence of new technologies, etc.

[0035] Additionally, terms defined in commonly used dictionaries should not be interpreted ideally or excessively unless explicitly and specifically defined otherwise. In certain cases, terms may be arbitrarily selected by the applicant, in which case their meanings will be described in detail in the relevant description. Therefore, the terms used in this disclosure should be defined based on their meaning and the overall content of this disclosure, rather than simply their names.

[0036] Throughout this specification, when a part is said to "include" a certain component, this does not mean that other components may be included, but rather that other components may be excluded, unless specifically stated otherwise. Furthermore, the singular forms used herein also include plural forms unless specifically stated otherwise. Furthermore, the expression "at least one of a, b, and / or c" used throughout this specification can encompass "a alone," "b alone," "c alone," "a and b," "a and c," "b and c," or "all of a, b, and c."

[0037] Meanwhile, terms such as "first and / or second" used in this specification may be used to describe various components, but are only used to distinguish one component from another and are not intended to be limited to the components referred to by those terms. For example, without departing from the scope of the present invention, the first component may be referred to as the second component, and the second component may also be referred to as the first component.

[0038] In addition, terms such as “unit”, “module”, etc. described in this specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software. In addition, embodiments of the present disclosure in this specification may be represented by functional block configurations and various processing steps. These functional blocks may be implemented by various numbers of hardware or / and software configurations that execute specific functions. For example, embodiments of the present disclosure may employ direct circuit configurations such as memory, processing, logic, look-up tables, etc. that may execute various functions under the control of one or more microprocessors or other control devices.

[0039] Similar to the components disclosed herein that can be implemented as software programs or software elements, embodiments of the present disclosure may be implemented in a programming or scripting language such as C, C++, Java, assembler, etc., including various algorithms implemented as a combination of data structures, processes, routines, or other programming constructs. Functional aspects may be implemented as algorithms that run on one or more processors. Furthermore, the present embodiments may employ conventional techniques for at least one of electronic configuration, signal processing, and data processing. Terms such as “mechanism,” “element,” “means,” and “configuration” may be used broadly and are not limited to mechanical and physical components. The terms may include the meaning of a series of software processes (routines) in connection with a processor, etc.

[0040] Each block of the processing flow diagrams attached to this specification and combinations of the flow diagrams can be performed by computer program instructions. These computer program instructions can be installed in a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing equipment, so that the instructions, when executed by the processor of the computer or other programmable data processing equipment, create a means for performing the functions described in the flow diagram block(s).

[0041] These computer program instructions may be stored in a computer-available or computer-readable memory that can direct a computer or other programmable data processing device to implement a function in a particular manner, and the instructions stored in the computer-available or computer-readable memory may also produce an article of manufacture that includes instruction means for performing the function described in the flowchart block(s).

[0042] Since the computer program instructions may be installed on a computer or other programmable data processing device, a series of operational steps may be performed on the computer or other programmable data processing device to create a computer-executable process, and the instructions that cause the computer or other programmable data processing device to perform the steps for performing the functions described in the flowchart block(s) may also provide steps for performing the functions described in the flowchart block(s).

[0043] Additionally, each block may represent a module, segment, or portion of code that contains one or more executable instructions for performing a specific logical function(s). Furthermore, in some alternative implementation examples, the functions described in the blocks may occur out of order. For example, two blocks depicted in succession may actually be executed substantially concurrently, or the blocks may sometimes be executed in reverse order, depending on their respective functions.

[0044] The “electronic device” or “terminal” referred to herein may be implemented as a computer or portable terminal capable of connecting to a server or other terminal via a network. Here, the computer includes, for example, a notebook, desktop, or laptop equipped with a web browser, and the portable terminal may include, for example, a wireless communication device that ensures portability and mobility, such as a communication-based terminal such as IMT (International Mobile Telecommunication), CDMA (Code Division Multiple Access), W-CDMA (W-Code Division Multiple Access), LTE (Long Term Evolution), and all types of handheld-based wireless communication devices such as smartphones and tablet PCs. In addition, the “electronic device” or “terminal” referred to herein may also include a processor, a memory that stores and executes program data, permanent storage such as a disk drive, a communication port that communicates with an external device, a user interface device such as a touch panel, a key, a button, etc.

[0045] In the present disclosure, methods implemented as software modules or algorithms may be stored on a computer-readable recording medium as computer-readable codes or program instructions executable on a processor. Here, the computer-readable recording medium may include a magnetic storage medium (e.g., read-only memory (ROM), random-access memory (RAM), floppy disks, hard disks, etc.) and an optical reading medium (e.g., CD-ROM, DVD: Digital Versatile Disc)). The computer-readable recording medium may be distributed and executed on network-connected computer systems.

[0046] Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. In describing the embodiments, descriptions of technical details that are well known in the technical field to which the present invention pertains and are not directly related to the present invention will be omitted. This is to convey the gist of the present invention more clearly without obscuring unnecessary explanation. For the same reason, some components in the accompanying drawings are exaggerated, omitted, or schematically depicted. Furthermore, the size of each component does not entirely reflect the actual size. Throughout this specification, the same reference numerals may refer to the same or corresponding components.

[0047] Method for determining and providing abnormal transactions using location information

[0048] FIG. 1 is a conceptual diagram illustrating a method of providing information to a user regarding whether a custodial transaction is an abnormal transaction according to some embodiments of the present disclosure.

[0049] Referring to FIG. 1, a financial service providing terminal (10) according to some embodiments of the present disclosure can receive financial transaction information of a custodian in real time using an included display unit.

[0050] In one embodiment, the first custodian (110) and the second custodian (120) may be objects whose financial transaction information is managed by the user of the financial service provision terminal (10). In one embodiment, the first custodian (110) and the second custodian (120) may be the user's children, but the relationship between the user and the custodian is not limited thereto.

[0051] In one embodiment, transaction information of the first custodian (110) may be provided to the user in real time. In this case, the transaction information of the first custodian (110) may include identification information of the first custodian, the transaction location of the first custodian, the transaction amount of the first custodian, and / or the transaction item of the first custodian.

[0052] In one embodiment, a financial service provider terminal (10) may provide the user with information regarding whether a custodial transaction is abnormal. In one embodiment, information regarding whether a custodial transaction is abnormal may be expressed in multiple stages. For example, information regarding whether a custodial transaction is abnormal may be expressed as one of the following: a normal transaction, a suspicious transaction, and / or an abnormal transaction. In the example illustrated in Figure 1, the transaction of the first custodial transaction (110) is expressed as a suspicious transaction.

[0053] In some embodiments of the present disclosure, the determination of whether a custodial transaction is an abnormal transaction may be performed by a financial service providing terminal (10) and / or a financial service providing server (not shown) connected to the financial service providing terminal (10) via a network, and abnormal transaction information generated through the determination of whether a transaction is an abnormal transaction may be provided to the financial service providing terminal (10).

[0054] In one embodiment, determining whether a custodial transaction is abnormal may be determined based on at least one piece of custodial transaction information. For example, the abnormal transaction information may be determined based on the custodial transaction location, the custodial transaction amount, and / or the custodial transaction item information. For example, the financial service provision terminal (10) and / or the financial service provision server may determine whether a custodial transaction is abnormal using an abnormal transaction detection module pre-stored in memory.

[0055]

[0056] FIG. 2 is a block diagram illustrating an abnormal transaction detection module for determining whether a custodial transaction is an abnormal transaction according to some embodiments of the present disclosure.

[0057] Referring to FIG. 2, the abnormal transaction detection module (200) may include a logic filter module (210) and a distance-based filter module (220).

[0058] In one embodiment, the logic filter module (210) may be a module that evaluates the logical validity of managed transaction information to detect abnormal transactions. For example, the logic filter module (210) may detect abnormal transactions using the managed transaction amount, managed transaction item, managed terminal location, and managed transaction location included in the managed transaction information.

[0059] For example, the logic filter module (210) can detect a custodial transaction as an abnormal transaction if the custodial transaction amount is greater than the custodial allowance amount or if the custodial transaction amount is greater than the custodial asset size.

[0060] As another example, the logic filter module (210) may detect a custodial transaction as an abnormal transaction if the custodial party fails to meet specific restrictions related to the custodial transaction item. For example, if the custodial party is a minor and the custodial transaction item is an item that minors cannot purchase, such as alcohol and / or cigarettes, the logic filter module (210) may detect the custodial transaction as an abnormal transaction.

[0061] In another embodiment, the logic filter module (210) can detect abnormal transactions by comparing the location of the managed terminal with the location of the managed transaction. In one embodiment, if the location of the managed terminal and the location of the managed transaction do not meet preset criteria, the logic filter module (210) can determine the managed transaction as an abnormal transaction. For example, if the distance between the location of the managed terminal and the location of the managed transaction in the managed transaction information is greater than a preset value, or if the location of the managed terminal and the location of the managed transaction are logically incompatible, the managed transaction can be determined as an abnormal transaction. For example, if the location of the managed terminal is at the school's main gate and the location of the managed transaction is at the school's back gate, the transaction can be detected as an abnormal transaction if the location of the managed terminal and the location of the managed transaction are logically incompatible.

[0062] In one embodiment, the logic filter module (210) may be implemented using one or more tables. For example, the logic filter module (210) may include a restriction filter table (not shown) and / or a distance filter table (not shown). In one example, the restriction filter table may be used to determine whether the managed person satisfies criteria regarding managed item transactions. In another example, the distance filter table may be used to determine whether the managed terminal location and the managed transaction location are greater than a preset value and / or logically compatible. Preferably, the multiple filter tables included in the logic filter module (210) may be sequentially connected. That is, the determination of whether the managed transaction information is abnormal may be made by sequentially passing through the multiple filter tables.

[0063] Referring back to FIG. 2, the abnormal transaction detection module (200) according to some embodiments of the present invention may further include a pattern filter module (220).

[0064] In one embodiment, the pattern filter module (220) may be a module that detects whether a custodial transaction based on custodial transaction information is an abnormal transaction based on previously stored custodial transaction patterns. In one embodiment, the pattern filter module (220) may pre-store custodial transaction patterns. These custodial transaction patterns may include statistical information on the custodial transaction amount, custodial transaction location, and / or custodial transaction item. For example, the custodial transaction pattern may include the average and standard deviation of the custodial transaction amount. In this case, if the custodial transaction amount deviates from the average by a preset number of standard deviations or more, the custodial transaction may be detected as an abnormal transaction.

[0065] In another embodiment, the custodial transaction pattern may include frequency information about the location where the custodial transaction occurs. As another example, the custodial transaction pattern may include frequency information about the custodial transaction item. In this case, when a custodial transaction occurs, if the frequency of the custodial transaction location included in the custodial transaction information is 0 and / or the frequency of the custodial transaction item is 0, the custodial transaction may be detected as an abnormal transaction.

[0066] In some embodiments of the present disclosure, the pattern filter module (220) may be implemented using one or more filter tables. For example, the pattern filter module (220) may include a transaction amount filter table, a transaction location filter table, and / or a transaction item filter table. Preferably, the multiple filter tables included in the pattern filter module (220) may be sequentially connected.

[0067] In some embodiments, both abnormal transactions detected by the logic filter module (210) and the pattern filter module (220) may be identified as abnormal transactions and provided to the user through the financial service providing terminal (10). In another embodiment, abnormal transactions detected by the logic filter module (210) and abnormal transactions detected by the pattern filter module (220) may be determined to be at different levels and provided to the financial service providing terminal (10). For example, the custodial transaction information detected by the logic filter module (210) may be determined as an abnormal transaction, and the custodial transaction information detected by the pattern filter module (220) may be determined as a suspicious transaction. In this case, in the financial service providing terminal (10), the custodial transaction information detected by the logic filter module (210) may be expressed as an abnormal transaction, and the custodial transaction detected by the pattern filter module (220) may be determined as a suspicious transaction.

[0068] To perform the aforementioned abnormal transaction detection technique for the custodian, the financial service terminal (10) must store and manage the custodian's personal information. In one embodiment, the financial service terminal (10) may perform an authentication procedure for the custodian and then store the extracted personal information based on the results of the authentication procedure. Preferably, the financial service terminal (10) may store the custodian's personal information in one-way encryption on a blockchain accessible via a network.

[0069] Hereinafter, an exemplary embodiment of a method for a financial service providing terminal (10) to manage personal information of a custodian will be described. The financial service providing terminal (10) can perform identity verification of a custodian user through an authentication server connected via a network. Once identity verification of the custodian is completed, the financial service providing terminal (10) can extract and store personal information data of the custodian. At this time, the personal information data of the custodian can be obtained through performing computer vision work on administrative documents, accessing an administrative document database based on the custodian's identity verification, etc. The financial service providing terminal (10) can one-way encrypt the extracted personal information of the custodian using a pre-stored secret key, and then register it through a transaction and / or block on a blockchain accessible via the network.

[0070]

[0071] Method for providing relative asset management status information using location information

[0072] FIG. 3 is a block diagram illustrating a configuration for providing asset management status information of a custodian based on location information in a financial service according to some embodiments of the present disclosure.

[0073] Referring to FIG. 3, an asset status information management unit (300) according to some embodiments of the present disclosure includes a regional asset status statistics management module (310) and a managed asset status management module (320), so that a user of a financial service provision terminal (10) can relatively understand the asset status of a managed person by comparing it with other users in the surrounding area and / or managed persons linked to other users.

[0074] In one embodiment, the local asset status statistics management module (310) may be a module that manages statistical information on the asset status of a plurality of other users and custodians linked to the other users who exist in the same region and / or region included in preset criteria as the user and / or custodian of the financial service provision terminal.

[0075] In one embodiment, the regional asset status statistics management module (310) may store multiple regional asset status statistics, segmented according to criteria preset in the financial service. In one embodiment, the preset criteria for segmenting regions may be based on administrative districts. In this case, administrative districts may include administrative districts from an address perspective, such as city, county, district, dong, myeon, eup, and ri, as well as administrative districts from an educational administration perspective, such as school districts. For example, the regional asset status statistics management module (310) may include regional asset status statistics determined by dong unit. In another embodiment, the regional asset status statistics management module (310) may include regional asset status statistics determined by school district. Accordingly, by examining the relative levels of asset status of users and / or managed individuals from various perspectives, it is possible to provide users with more diverse asset management insights.

[0076] In one embodiment, the regional asset status statistics management module (310) may include statistical information such as the mean, variance, standard deviation, median, 1st quartile, 3rd quartile, and / or mode of the asset status of multiple users and / or managed persons within the region. Furthermore, the regional asset status statistics management module (310) may determine the distribution of the asset status of multiple users and / or managed persons within the region. For example, the regional asset status statistics management module (310) may determine the distribution of the asset status as a normal distribution, and may determine the mean and standard deviation of the aforementioned asset status as parameters of this normal distribution.

[0077] In another embodiment, the local asset status statistics management module (310) can manage asset status statistics by asset type. For example, the financial service according to the present disclosure may provide management functions for multiple asset types. In this case, the local asset status statistics management module (310) can manage separate asset status statistics for each asset type. Furthermore, the local asset status statistics management module (310) can also manage statistical information on total assets.

[0078] In some embodiments of the present disclosure, the local asset status statistics management module (310) may be pre-stored in memory within a financial service provider terminal and / or a financial service provider server connected to the financial service provider terminal via a network. In this case, the local asset status statistics management module (310) may be implemented using one or more detailed modules and / or algorithms for processing a preset process.

[0079] Referring back to FIG. 3, the asset status information management unit (300) according to some embodiments of the present disclosure may further include a managed asset status management module (320).

[0080] The asset status management module (320) of the custodian according to some embodiments of the present disclosure may be a software module that manages the asset status of a user using a financial service provision terminal and / or a custodian connected to the user.

[0081] In one embodiment, the managed asset status management module (320) can determine the managed asset status of the managed asset by asset type, absolutely and / or relatively. For example, the managed asset status management module (320) can relatively evaluate the asset status level of the user and / or managed asset compared to the asset status within the region based on the regional asset status statistics included in the regional asset status statistics management module (310). Furthermore, the managed asset status management module (320) can relatively determine the total assets of the user and / or managed asset based on the asset status within the region.

[0082] In one embodiment, the managed asset status management module (320) may determine the level of the managed asset status based on the statistics of the regional asset status determined by the regional asset status statistics management module (310). For example, the managed asset status may express the top percentage in the region, how much the assets are more or less than the average and / or median of the regional asset status, etc. In another embodiment, the managed asset status management module (320) may determine the level of the managed asset status based on the regional asset status distribution determined by the regional asset status statistics management module (310). For example, if the distribution of the regional asset status is assumed to be normal distribution, the managed asset status management module (320) may determine how much the managed asset status is more or less than the regional asset status based on the normal distribution.

[0083] In some embodiments, the custodian asset status module (320) may include asset status levels for users and / or custodians for multiple regional information. As described above, such regional information may be determined for various types of administrative districts.

[0084]

[0085] A method for recommending travel products using user asset information

[0086] FIG. 4 is a block diagram showing the configuration of a travel product recommendation unit according to some embodiments of the present disclosure.

[0087] Referring to FIG. 4, a travel product recommendation unit (400) according to some embodiments of the present disclosure may be a software module that performs a function of recommending appropriate travel products to users of a financial service provision terminal, including a travel product information management unit (410), a group attribute information management unit (420), and / or a suitability information management unit (430). In this case, the users of the financial service provision terminal may be included in one or more groups to which travel products are recommended. In other words, the users of the financial service provision terminal may be associated with multiple groups for which travel products are recommended, and the travel product recommendation unit (400) may perform separate travel product recommendations for each group associated with the users.

[0088] In one embodiment, the travel product information management unit (410) may be a software module that manages attribute information of travel products. In one embodiment, the travel product information management unit (410) may create, modify, and / or delete attribute information for each travel product. In one embodiment, the attribute information of travel products managed by the travel product information management unit (410) may include identification information of the travel product, statistical information on the type of people who primarily use the travel product, age group, gender, assets, and / or income. Preferably, the attribute information of the travel product may include the average, median, minimum, maximum, and / or mode for the type, age group, gender, assets, and / or income of the group of people who have used the travel product in the past. In addition, statistical information on assets among the attribute information of the travel product may be managed by asset type. In other words, statistical information on the asset type of the group of people who use the travel product may be used as attribute information for the travel product.

[0089] In one embodiment, the travel product information management unit (410) can manage the attribute information of a travel product by storing and / or changing the attribute information of the travel product using a table, vector, and / or tensor.

[0090] In another embodiment, the travel product recommendation unit (400) may include a group attribute information management unit (420). In one embodiment, the group attribute information management unit (420) may include group identification information, statistical information on the group's personal type, age group, gender, assets, and / or income for a group of at least one user utilizing a financial service. Preferably, the group attribute information may include the average, median, minimum, maximum, and / or mode for the type, age group, gender, assets, and / or income of the group of users.

[0091] As with travel product attribute information, group attribute information can also be stored and / or changed by a processor of a computing device including a travel product recommendation unit (400) using tables, vectors, and / or tensors.

[0092] The travel product recommendation unit (400) according to some embodiments of the present disclosure may further include a suitability information management unit (430). In one embodiment, the suitability information management unit (430) may recommend travel products to specific groups of people based on the similarity between the travel product and the attribute information of the group of people. Furthermore, although not illustrated, the suitability information management unit (430) may sort the suitability of travel products for each group of people and, based on the sorted suitability of travel products, display travel products with the highest suitability in order of suitability on the financial service terminal through the display unit. In other words, on the financial service terminal, the travel product with the highest suitability for the user of the terminal may be displayed as the recommended travel product first, and then the recommended travel products may be displayed in descending order of suitability. In one embodiment, the suitability of a travel product may utilize the similarity between the attribute information of the travel product and the attribute information of the group. In this case, the attribute information of the travel product and the attribute information of the group may be expressed as vectors. For example, the similarity between the attribute information of a travel product and the group attribute information can be calculated using the distance (L1-distance and / or L2-distance) between the travel product attribute information vector and the group attribute information vector or the similarity between vectors (such as cosine similarity).

[0093]

[0094] FIG. 5 is a conceptual diagram specifically illustrating the operation of a travel product recommendation unit (400) according to some embodiments of the present disclosure.

[0095] Referring to FIG. 5, a travel product recommendation unit (400) according to some embodiments of the present disclosure includes travel product attribute information (411) and group attribute information (421), and can perform a fitness operation (431) between them.

[0096] In one embodiment, travel product attribute information (411) may be data managed by the travel product information management unit disclosed in FIG. 4. In one embodiment, travel product attribute information (411) may include a travel product index, which is identification information of the travel product, income statistics information of a group using the travel product, asset statistics information, asset type statistics information, group type statistics information, age statistics information, and / or gender statistics information.

[0097] In one embodiment, income statistics, asset statistics, and / or asset type statistics may be determined using the average or median income of the group that used the travel product. In another embodiment, group type statistics may be categorized into types such as family, friends, pets, and / or couples, and these may be mapped to specific values. In another embodiment, gender statistics may be categorized into mixed-gender groups, female groups, or male groups, and these may be mapped to specific values. In one embodiment, age statistics may be a value that synthesizes the average age information of the group that used the travel product (e.g., the average or median).

[0098] Referring back to FIG. 5, group attribute information (421) may include group index, which is group identification information, group income statistics, group asset statistics, group asset type-specific statistics, group type, group age, and / or group gender information. In the present disclosure, a "group" does not necessarily have to include multiple individual members, and may be classified as a group if it includes one or more individual members.

[0099] In one embodiment, group income statistics or group asset statistics are statistical values ​​regarding the income or assets of individual members of a group, and may use an average or median value. Group type information may be categorized as friends, family, couples, and / or pets, and group gender information may be categorized as female, mixed, and / or male, which may be mapped to specific values.

[0100] In some embodiments of the present disclosure, the fitness calculation (431) may be determined based on the similarity between individual travel product attribute information and individual group attribute information included in the travel product attribute information (411). For example, the fitness may be calculated for group 1 attribute information (421a) and travel product 1 attribute information (411a), and group 1 attribute information (421a) and travel product 2 attribute information (411b). In this case, each of the travel product 1 attribute information (411a), travel product 2 attribute information (411b), and / or group 1 attribute information (421a) may be expressed as a vector. Accordingly, the similarity between the travel product 1 attribute information (411a) vector and the group 1 attribute information (421a) vector, and the similarity between the travel product 2 attribute information (411b) vector and the group 1 attribute information (421a) vector may be determined. The results of the fitness calculation (431) can be generated for each travel product group and sorted for each group. The travel product with the highest fitness can be provided first to the financial service terminal of the user associated with the group. Information about the travel products can then be provided to the user's financial service terminal in descending order of fitness.

[0101]

[0102] FIG. 6 is a block diagram illustrating a computing device for executing the financial service providing method of the present disclosure.

[0103] The computing device (800) may include a memory (810), a processor (820), a communication unit (830), and an input / output interface (840), and as illustrated in FIG. 6, the computing device (800) may be configured to communicate information and / or data via a network using the communication unit (830).

[0104] The memory (810) may include any non-transitory computer-readable recording medium. In one embodiment, the memory (810) may include a non-volatile mass storage device such as a random access memory (RAM), a read only memory (ROM), a disk drive, a solid state drive (SSD), a flash memory, etc. As another example, a non-volatile mass storage device such as a ROM, an SSD, a flash memory, a disk drive, etc. may be included in the computing device (800) as a separate permanent storage device distinct from the memory. In addition, the memory (810) may store an operating system and at least one program code.

[0105] These software components may be loaded from a computer-readable recording medium separate from the memory (810). This separate computer-readable recording medium may include a recording medium directly connectable to the computing device (800), for example, a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD / CD-ROM drive, a memory card, etc. As another example, the software components may be loaded into the memory (810) via the communication unit (830) rather than via a computer-readable recording medium. For example, at least one program may be loaded into the memory (810) based on a computer program that is installed by files provided by developers or a file distribution system that distributes installation files of applications via the communication unit (830).

[0106] Here, the program may include program commands, data files, and data structures, either singly or in combination. The program may be designed and produced using machine language code or high-level language code. The program may be specifically designed to implement the aforementioned malicious application detection system, or may be implemented using various functions or definitions that are known and available to those skilled in the art of computer software. The program for implementing the aforementioned malicious application detection system may be recorded on a processor-readable recording medium.

[0107] The memory can store a program that performs the operations described above and the operations described below, and the processor can execute the program stored in the memory. In the case where there are multiple processors and memories, they can be integrated into a single chip or provided in physically separate locations. The memory can include volatile memory such as Static Random Access Memory (S-RAM) and Dynamic Random Access Memory (D-RAM) for temporarily storing data. In addition, the memory can include non-volatile memory such as Read Only Memory (ROM), Erasable Programmable Read Only Memory (EPROM), and Electrically Erasable Programmable Read Only Memory (EEPROM) for long-term storage of control programs and control data.

[0108]

[0109] The processor (820) may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input / output operations. The instructions may be provided to another user terminal (not shown) or another external system via the memory (810) or the communication unit (830).

[0110] A processor may include various logic circuits and arithmetic circuits, process data according to a program provided from memory, and generate control signals based on the processing results. The memory and processor may be implemented as separate chips. Alternatively, the memory and processor may be implemented as a single chip.

[0111] The processor (820) may include one or more processors. In this case, the one or more processors may be homogeneous or heterogeneous processors. For example, the processor (820) may include heterogeneous processors, such as a central processing unit (CPU), a graphics processing unit (GPU), a tensor processing unit (TPU), and / or a neural processing unit (NPU). For convenience of explanation, one or more homogeneous or heterogeneous processors may be referred to as a "processor" in this specification.

[0112] The communication unit (830) may provide a configuration or function for a user terminal (not shown) and a computing device (800) to communicate with each other via a network, and may provide a configuration or function for the computing device (800) to communicate with an external system (e.g., a separate cloud system, etc.). For example, control signals, commands, data, etc. provided under the control of the processor (820) of the computing device (800) may be transmitted to the user terminal and / or the external system via the communication unit (830) and the network via the communication unit of the user terminal and / or the external system.

[0113] The wired communication unit may include various wired communication units such as a Local Area Network (LAN) module, a Wide Area Network (WAN) module, or a Value Added Network (VAN) module, as well as various cable communication units such as a Universal Serial Bus (USB), a High Definition Multimedia Interface (HDMI), a Digital Visual Interface (DVI), RS-232 (recommended standard 232), power line communication, or plain old telephone service (POTS).

[0114] The wireless communication unit may include a wireless communication unit that supports various wireless communication methods such as GSM (global System for Mobile Communication), CDMA (Code Division Multiple Access), WCDMA (Wideband Code Division Multiple Access), UMTS (universal mobile telecommunications system), TDMA (Time Division Multiple Access), LTE (Long Term Evolution), 4G, 5G, and 6G, in addition to a WiFi module and a Wireless Broadband module.

[0115] The wireless communication unit may include a wireless communication interface including an antenna and a transmitter for transmitting a Wi-Fi signal. Furthermore, the wireless communication unit may further include a Wi-Fi signal conversion module that modulates a digital control signal output from the control unit through the wireless communication interface into an analog wireless signal under the control of the control unit.

[0116] The wireless communication unit may include a wireless communication interface including an antenna and a receiver for receiving Wi-Fi signals. Furthermore, the wireless communication unit may further include a Wi-Fi signal conversion module for demodulating an analog wireless signal received through the wireless communication interface into a digital control signal.

[0117] The short-range communication unit is for short-range communication, and can support short-range communication using at least one of Bluetooth, RFID (Radio Frequency Identification), Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, NFC (Near Field Communication), Wi-Fi (Wireless-Fidelity), Wi-Fi Direct, and Wireless USB (Wireless Universal Serial Bus) technologies.

[0118] Additionally, the input / output interface (840) of the computing device (800) may be a means for interfacing with a device (not shown) for input or output that may be connected to the computing device (800) or that the computing device (800) may include.

[0119] The input unit is configured to receive information and data including audio information (or signals), text, etc. from a network or a user, and may include at least one microphone and at least one user input unit. Data collected from the input unit may be analyzed and processed into a user control command.

[0120] The user input unit is for receiving information from the user, and when information is input through the user input unit, the control unit can control the operation of the device to correspond to the input information. The user input unit may include a hardware physical key (e.g., a button located on at least one of the front, rear, and side of the device, a dome switch, a jog wheel, a jog switch, etc.) and a software touch key. As an example, the touch key may be a virtual key, a soft key, or a visual key displayed on a touch screen type display unit through software processing, or may be a touch key disposed on a part other than the touch screen. Meanwhile, the virtual key or visual key may have various forms and be displayed on the touch screen, and may be, for example, formed of a graphic, text, an icon, a video, or a combination thereof.

[0121] Although the input / output interface (840) is illustrated as a separate element from the processor (820) in FIG. 6, the present invention is not limited thereto, and the input / output interface (840) may be configured to be included in the processor (820). The computing device (800) may include more components than those illustrated in FIG. 6. However, there is no need to explicitly illustrate most conventional components.

[0122] The processor (820) of the computing device (800) may be configured to manage, process and / or store information and / or data received from multiple user terminals and / or multiple external systems.

[0123] The above-described methods and / or various embodiments may be realized by digital electronic circuits, computer hardware, firmware, software, and / or a combination thereof. Various embodiments of the present disclosure may be implemented as a computer program that is executed by a data processing device, for example, one or more programmable processors and / or one or more computing devices, or stored on a computer-readable recording medium and / or a computer-readable recording medium. The above-described computer program may be written in any form of programming language, including a compiled language or an interpreted language, and may be distributed in any form, such as a standalone program, a module, a subroutine, etc. The computer program may be distributed through a single computing device, multiple computing devices connected through the same network, and / or multiple computing devices distributed to be connected through multiple different networks.

[0124] The methods and / or various embodiments described above may be performed by one or more processors configured to execute one or more computer programs that process, store, and / or manage any function, function, etc. by operating on raw samples or generating output data. For example, the methods and / or various embodiments of the present disclosure may be performed by special purpose logic circuits such as Field Programmable Gate Arrays (FPGAs) or Application Specific Integrated Circuits (ASICs), and an apparatus and / or system for performing the methods and / or embodiments of the present disclosure may be implemented as special purpose logic circuits such as FPGAs or ASICs.

[0125] The one or more processors executing the computer program may include a general-purpose or special-purpose microprocessor and / or one or more processors of any type of digital computing device. The processor may receive instructions and / or data from each of read-only memory and random-access memory, or may receive instructions and / or data from the read-only memory and the random-access memory. In the present invention, components of a computing device performing the methods and / or embodiments may include one or more processors for executing instructions, and one or more memory devices for storing instructions and / or data.

[0126] According to one embodiment, the computing device can transmit and receive data to and from one or more mass storage devices for storing data. For example, the computing device can receive and / or transfer data from a magnetic disc or an optical disc. A computer-readable storage medium suitable for storing instructions and / or data associated with a computer program may include, but is not limited to, any form of non-volatile memory, including semiconductor memory devices such as Erasable Programmable Read-Only Memory (EPROM), Electrically Erasable PROM (EEPROM), flash memory devices, and the like. For example, the computer-readable storage medium may include a magnetic disk such as an internal hard disk or a removable disk, a magneto-optical disk, a CD-ROM, and a DVD-ROM disk.

[0127] To provide interaction with a user, a computing device may include, but is not limited to, a display device (e.g., a cathode ray tube (CRT), a liquid crystal display (LCD), etc.) for providing or displaying information to the user, and a pointing device (e.g., a keyboard, a mouse, a trackball, etc.) for allowing the user to provide input and / or commands to the computing device. That is, the computing device may further include any other types of devices for providing interaction with the user. For example, the computing device may provide any form of sensory feedback to the user, including visual feedback, auditory feedback, and / or tactile feedback, for interaction with the user. In this regard, the user may provide input to the computing device through various gestures, such as visual, vocal, or motion.

[0128] In the present invention, various embodiments may be implemented in a computing system that includes backend components (e.g., a data server), middleware components (e.g., an application server), and / or front-end components. In this case, the components may be interconnected via any form or medium of digital data communication, such as a communications network. For example, the communications network may include a Local Area Network (LAN), a Wide Area Network (WAN), etc.

[0129] A computing device based on the exemplary embodiments described herein may be implemented using hardware and / or software configured to interact with a user, including a user device, a user interface (UI) device, a user terminal, or a client device. For example, the computing device may include a portable computing device, such as a laptop computer. Additionally or alternatively, the computing device may include, but is not limited to, Personal Digital Assistants (PDAs), tablet PCs, game consoles, wearable devices, Internet of Things (IoT) devices, virtual reality (VR) devices, augmented reality (AR) devices, and the like. The computing device may further include other types of devices configured to interact with a user. Furthermore, the computing device may include a portable communication device (e.g., a mobile phone, a smart phone, a cordless cellular phone, etc.) suitable for wireless communication over a network, such as a mobile communication network. The computing device may be configured to communicate wirelessly with a network server using wireless communication technologies and / or protocols, such as Radio Frequency (RF), Microwave Frequency (MWF), and / or Infrared Ray Frequency (IRF).

[0130] In embodiments according to the present disclosure, functions related to artificial intelligence may be implemented through a processor and memory. The processor may be any of a general-purpose processor, such as a CPU (Center Processing Unit), an AP (Application Processor), or a DSP (Digital Signal Processor), a graphics-only processor, such as a GPU (Graphics Processing Unit) or a VPU (Vision Processing Unit), or an AI-only processor, such as an NPU (Neural Network Processing Unit). The processor may process raw samples according to predefined operating rules or AI models stored in the memory. Alternatively, if the processor is an AI-only processor, the AI-only processor may be designed with a hardware structure specialized for processing a specific AI model. In some embodiments according to the present disclosure, functions related to artificial intelligence may be implemented through a plurality of processors.

[0131]

[0132] The above-described embodiments are specific examples for implementing the present disclosure. The present disclosure will encompass not only the above-described embodiments, but also embodiments that can be simply designed or easily modified. Furthermore, the present disclosure will encompass techniques that can be easily modified and implemented using the above-described embodiments. Therefore, the scope of the present disclosure should not be limited to the above-described embodiments, but should be defined not only by the claims set forth below, but also by equivalents of the claims of the present disclosure.

Claims

1. In a method of providing financial services performed by at least one processor, A step of generating first group attribute information for a first group including users of a financial service provision terminal; A step of generating a plurality of pieces of suitability information for each of the first group attribute information and the plurality of pieces of travel product attribute information; A step of aligning the generated plurality of fitness information; and A step of sequentially displaying a plurality of travel products on a user's financial service provision terminal according to the sorted plurality of suitability information; Methods of providing financial services.

2. In paragraph 1, The step of generating the above group attribute information is: characterized in that it comprises a step of generating group personal information and group asset information; Methods of providing financial services.

3. In paragraph 2, The above group personal information is: Includes group type information and group gender information, The above group type information is: Including any one of family, friends, couples and pets, The above group gender information is: characterized by including either male, female or mixed gender; Methods of providing financial services.

4. In paragraph 3, The above group asset information is: Includes group income statistics and group asset statistics, The above group income statistical information and the above group asset statistical information are, Characterized by the average income and assets of each group member included in the above group, Methods of providing financial services.

5. In paragraph 3, The step of generating multiple suitability information for each of the first group attribute information and multiple travel product attribute information is as follows: A step of generating first travel product attribute information; The above first travel product attribute information is: Characterized in that it includes first travel product personal information and first travel product asset information, Methods of providing financial services.

6. In paragraph 5, The personal information for the above first travel product is: Characterized in that it includes first travel product usage group type statistical information and first travel product usage group gender statistical information. Methods of providing financial services.

7. In paragraph 6, The above first travel product usage group type statistical information is: Using the most frequent value among the group types using the above first travel product, The above first travel product usage group gender statistics information is as follows: Characterized in that it utilizes the most frequent value among the group genders using the above first travel product. Methods of providing financial services.

8. In paragraph 7, The step of generating multiple suitability information for each of the first group attribute information and multiple travel product attribute information is as follows: A step of calculating a similarity between the first group attribute information and the first travel product attribute information; characterized in that it includes; Methods of providing financial services.

9. In paragraph 8, The similarity between the first group attribute information and the first travel product attribute information is Characterized by using cosine similarity, Methods of providing financial services.

10. A financial service provision server that executes the financial service provision method according to Article 1.

11. In a method for providing financial services performed by at least one processor included in a financial service providing server, Step of receiving the custodian transaction information; and A step of classifying a custodial transaction as a normal transaction or a risky transaction based on the custodial transaction item, custodial transaction amount, and custodial location information included in the above custodial transaction information; The steps for classifying the above custodian transactions as normal transactions or risky transactions are as follows: Includes a first risk transaction detection step, The above first risk transaction detection step is: A step of determining whether the above-mentioned managed transaction item falls under the above-mentioned managed transaction item restriction criteria; A step of determining whether the above-mentioned custodian transaction amount exceeds a preset value; and A step of determining whether the distance between the location information of the managed terminal and the location of the managed transaction is greater than a preset value; characterized in that it includes; Methods of providing financial services.

12. In paragraph 11, The above criteria for limiting the transaction of goods by the custodian are: Characterized in that it is determined based on the age information of the person under management, Methods of providing financial services.

13. In paragraph 12, The step of determining whether the above-mentioned custodian transaction amount exceeds a preset value is as follows: A step of determining whether the above custodian transaction amount exceeds the custodian allowance amount; and A step of determining whether the above custodian transaction amount exceeds the custodian asset size; characterized in that it includes; Methods of providing financial services.

14. In paragraph 13, The steps for classifying the above custodian transactions as normal transactions or risky transactions are as follows: A second risk transaction detection step is included; The second risk transaction detection step is: Characterized in that it is performed based on the transaction pattern of the above-mentioned person. Methods of providing financial services.

15. In paragraph 14, The second risk transaction detection step is: A step of determining whether the above-mentioned transaction amount of the custodian deviates from the transaction amount statistical information of the custodian by a preset value or more; A step of determining whether the custodial transaction item has been previously traded based on the custodial transaction item statistical information; and A step of determining whether the custodial transaction location is a location where a transaction has previously occurred based on the custodial transaction location statistical information; Methods of providing financial services.

16. In a method for providing financial services, performed by at least one processor included in a financial service providing server, Step 1: Determining the area information of the first custodian; A step of generating regional asset status statistical information based on the determined first custodian regional information; and A step of generating relative level information of the first custodian asset status based on the above-mentioned regional asset status statistical information and the first custodian asset status information stored in advance; including; Methods of providing financial services.

17. In paragraph 16, The above first custodian area information is: characterized by including school district information, Methods of providing financial services.

18. In paragraph 17, Based on the determined first custodian region information, the step of generating regional asset status statistical information is as follows: A step of generating asset status information of a plurality of second custodians related to the same region as the first custodian region information; A step of determining the distribution of regional asset status information based on the asset status information of the second custodian; and A step of generating relative level information of the first custodian's asset status based on the distribution of the regional asset status information; including; Methods of providing financial services.

19. In paragraph 18, The relative level information of the above first custodian's asset status is: Characterized by being created by the first custodian asset type, Methods of providing financial services.

20. A financial service provision server that executes the financial service provision method according to Article 11.

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