Assessment method and server for debt management competency

A method of assessing a debt management competency implemented by a debt management competency assessing server including a communication modem, a processor and a non-transitory computer-readable medium storing instructions that, when executed by the processor, cause the server to operate the method the server used by a manager and a plurality of users, the method comprising:

• displaying, by a computing device of the manager, display option information about a plurality of debts to be displayed for each round of a plurality of rounds, wherein
• the display option information 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 rounds, (ii) a retrospective display mode which provides and accumulated interest amount for each of the plurality of debts from a first round among the rounds to a previous round among the 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 rounds, and (iv) a combined display mode which is a combination of the retrospective display mode and the prospective display mode;
• setting, by the computing device of the manager, a display mode among the normal display mode, the retrospective display mode, the prospective display mode and the combined display mode;
• receiving, by the communication mode, information about the rounds, information about the plurality of debts, information about the display mode set by the computing device of the manager, and information about an income from the computing device of the manager;
• generating, by the processor, a debt management competency assessment scenario according to a limitation condition set through the computing device of the manager based on the information about the rounds, the information about the plurality of dents, the information about the display mode set by the computing device of the manager, and the information about the income;
• based on the information about the rounds and the information about the plurality of debts for the debt management competency assessment scenario, calculating, by the processor, an assessment reference amount for a total amount of the plurality of debts from the first round among the rounds to a predetermined assessment round among the rounds;
• transmitting, by the communication modem, the information about the rounds, the information about the plurality of debts, the information about the display mode set by the computing device of the manager, and the information about the income to a computing device of a user among the plurality of users participating in the debt management competency assessment scenario;
• receiving, by the communication modem, (i) one or more debts selected from the plurality of debts, (ii) the amount of money, which is to be repaid for the one or more selected debts, in the income, and (iii) approval information, based on which the present round among the rounds progresses to the next round from the computing device of the user for each round of the rounds;
• when the predetermined assessment round is terminated, calculating, by the processor, a debt settlement amount for the plurality of dents based on (i) the one or more debts selected from the plurality of dents and (ii) the amount of money to be repaid for the one or more selected debts received up to the assessment round;
• and
• setting, by the processor, an assessment grade for the user based on a difference between the debt settlement amount and the assessment reference amount, and transmitting, by the communication modem, the assessment grade to the computing device of the user,
• wherein the information about the plurality of dents includes the principal and the interest rate of each of the plurality of debts and the principal is different among two or more debts of the plurality of debts, and
• wherein the assessment grade for the user is set based on factors including a debt settlement order, a difference in a size between the interest rates of the plurality of debts, and a difference in size between amounts of the plurality of debts, the factors being set with weighted values.