Patent ID: 11948195
Assignee: AJOU UNIVERSITY INDUSTRY-ACADEMIC COOPERATION FOUNDATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A debt management capability assessment education method by a debt management capability assessment server including a communication modem, a processor and a non-transitory computer-readable medium storing instructions that cause the server to operate the method when the instructions are executed by the processor, the method comprising:
receiving, from a user computing device, information about a plurality of rounds, information about a plurality of debts, information about a display mode set by the user computing device, display option information about the plurality of debts to be displayed for each round of the plurality of rounds and information about an income, wherein the display option information is displayed by the user computing device and includes information of (i) a normal display mode which provides a principal and an interest rate of each of the plurality of debts in a present round among the plurality of rounds, (ii) a retrospective display mode which provides an accumulated interest amount for each of the plurality of debts from a round among the plurality of rounds to a previous round among the plurality of rounds, (iii) a prospective display mode which provides an interest amount generated for each of the plurality of debts in a next round among the plurality of rounds and (iv) a combined display mode which is a combination of the retrospective display mode and the prospective display mode, and wherein the display mode is set by the user computing device among the normal display mode, the retrospective display mode, the prospective display mode and the combined display mode;
generating a debt assessment scenario based on the information about the plurality of rounds, the information about the plurality of debts, the information about the display mode set by the user computing device, the display option information about the plurality of debts to be displayed for each round of the plurality of rounds and the information about the income;
receiving debt repayment information for every round from the user computing device, wherein a user of the user computing device participates in the debt assessment scenario;
selecting a debt training strategy in a round among the plurality of rounds;
transmitting education contents to the user computing device based on the selected debt training strategy in the round among the plurality of rounds;
calculating a debt settlement amount for the plurality of debts based on the debt repayment information received from the user computing device until a predetermined assessment round when the predetermined assessment round among the plurality of rounds ends, rating an assessment level for the user based on the debt settlement amount, and transmitting the assessment level to the user computing device;
receiving questionnaire information from the user computing device, the questionnaire information including an actual asset, an actual debt and an actual income of the user;
based on the received questionnaire information, updating feedback information predefined in accordance with the assessment level; and
transmitting the updated feedback information to the user computing device,
wherein the method further comprises:
generating a debt ability assessment model by receiving information including (i) at least one debt selected from a plurality of debts, (ii) an amount of income to repay the selected at least one debt, and (iii) approval information which advances from a current round to a next round which are received for every round of the plurality of rounds from a plurality of user computing devices including the user computing device and by statistically analyzing the received information together with profile information of a plurality of users of the plurality of user computing devices,
training the debt ability assessment model based on an event occurring in the middle of the debt assessment scenario, a debt repayment order, a difference between interest rates, a difference between debt amounts, and a debt display option; and
scoring a debt management capability of each of the plurality of users using the debt ability assessment model and transmitting a debt management capability score of the user to the user computing device,
wherein the debt training strategy is selected from among (i) a first strategy of selecting a debt having a highest interest rate, (ii) a second strategy of repaying a debt having the highest interest rate with all cash, (iii) a third strategy of repaying a debt having the highest interest rate even though a size of the debt is reduced, (iv) a fourth strategy of repaying a debt having a higher interest rate with all cash even though the cash increases in accordance with a bonus income, or (v) a combination thereof,
wherein in the transmitting of the education contents to the user computing device, the first strategy and the second strategy are provided in a first round among the plurality of rounds,
wherein in the transmitting of the education contents to the user computing device, the third strategy is provided in a round in which a debt having the highest interest rate and amount among the plurality of debts is smaller than a debt having a second highest interest rate and amount,
wherein in the transmitting of the education contents to the user computing device, the fourth strategy is provided in a round in which a bonus is deposited, among the plurality of rounds, and
wherein the transmitting the education contents to the user computing device based on the debt training strategy comprises:
based on the received debt repayment information, determining whether the user of the user computing device repays a debt among a plurality of debts according to a debt account avoidance tendency due to a psychological event in the round among the plurality of rounds, wherein the debt account avoidance tendency indicates a repayment order of the plurality of debts in which a debt having a smallest amount among the plurality of debts is first repaid, and the debt account avoidance tendency is different from a debt management optimizing tendency indicating a predetermined repayment order of the plurality of debts in which a debt having the highest interest rate among the plurality of debts is first repaid, and
transmitting the education contents to the user computing device when it is determined that the user of the user computing device repays the debt among the plurality of debts according to the debt account avoidance tendency due to the psychological event in the round among the plurality of debts,
wherein the method further comprises:
transmitting a content about the plurality of debts with different principals and interest rates set in the debt assessment scenario to the user computing device after ending of the round where the psychological event occurs,
receiving a response to the content from the user computing device, and
transmitting, to the user computing device, a feedback to which the first strategy, the second strategy, the third strategy, the fourth strategy or a combination thereof is applied based on the response received from the user computing device.