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公开(公告)号：US11948195B2
公开(公告)日：2024-04-02
申请号：US16958522
申请日：2018-07-11
Inventor： Do Yeong Kim , Do Won Kim
CPC classification number: G06Q40/06 , G06Q40/02 , G06Q50/205
Abstract: The present embodiment provides an assessment education device and method for a debt management capability, the device and method generate an event that causes psychological confusion in rounds on a debt management assessment scenario and provide education contents when a user who is in a psychologically confused state repays the debt, such that individuals attempting to repay the debt can be induced to make rational decisions in a situation in which various debts are nixed and the debt management capability of individuals can be improved.
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公开(公告)号：US11983766B2
公开(公告)日：2024-05-14
申请号：US17132705
申请日：2020-12-23
Inventor： Do Yeong Kim
Abstract: A method of analyzing debt management capability information by a computing device working with a plurality of user equipments (UEs) and operating under the control of at least one processor includes receiving debt repayment information for each round from the plurality of UEs according to a debt assessment scenario set up with a plurality of rounds. The method further includes determining a number of groups into which users of the plurality of UEs are to be grouped, based on the debt repayment information, grouping the users into as many groups as the number of groups created based on the debt repayment information, and deriving characteristics of each of the groups according to debt management capability characteristics of the users.
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公开(公告)号：US10650339B2
公开(公告)日：2020-05-12
申请号：US15603545
申请日：2017-05-24
Inventor： Do Yeong Kim , Jun Su Park , Gyoung Hwan Kim , Keon Ho Kim , Do Won Kim
Abstract: Provided are a method and a server for assessing a debt management competency, which provide a determination reference for inducing and educating an individual to rationally make a decision on a debt redemption by progressing the rounds by the predetermined number of times, selecting a specific debt among the plurality of debts and setting the amount of money to be repaid for the debt in an income for each round, setting an assessment grade for a user according to a debt settlement amount calculated in a final round, and providing a user with feedback information according to an assessment grade.
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