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

Claim 5:
6. A debt management capability assessment server, the server comprising:
a communication modem;
a processor; and
a non-transitory computer-readable medium storing instructions executable by the processor,
wherein the processor is configured to:
control the communication modem to receive, 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,
generate 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;
control the communication modem to receive 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; and
select a debt training strategy in a round among the plurality of rounds;
generate education contents based on the selected debt training strategy in the round among the plurality of rounds,
wherein the processor is configured to calculate 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, and rate an assessment level for the user based on the debt settlement amount, and control the communication modem to transmit the education contents to the user computing device in the round in which the psychological event occurs and when the assessment round ends, and transmit the assessment level to the user computing device,
wherein the processor is further configured to:
control the communication modem to receive 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, update feedback information predefined in accordance with the assessment level, and
control the communication modem to transmit the updated feedback information to the user computing device,
wherein the processor is further configured to:
generate 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,
train 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
score a debt management capability of each of the plurality of users using the debt ability assessment model and control the communication modem to transmit 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 the processor is configured to generate education contents to learn the first strategy and the second strategy in the first round among the plurality of rounds, generate education contents to learn the third strategy in a round where a debt having the highest interest rate and the largest amount among the plurality of debts becomes smaller than a debt having a second highest interest rate and amount, and generate education contents to learn the fourth strategy in a round where a bonus is deposited, among the plurality of rounds, and
wherein the processor is further configured to:
based on the received debt repayment information, determine 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 plurality of debts in which a debt having the highest interest rate among the plurality of debts is first repaid, and
control the communication modem to transmit 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 processor is further configured to:
control the communication modem to transmit 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,
control the communication modem to receive a response to the content from the user computing device, and
control the communication modem to transmit, 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.