KR100392490B1 - personalized information providing system implemented on web-site for helping one's investment planning and method for providing that information - Google Patents

Abstract

An information providing system for providing individual asset allocation information comprising a server computer communicating with each of a plurality of customer computers connected via the Internet, the information providing system comprising: a questionnaire from a customer connected via a web browser; A receiving unit for receiving data; A first memory for storing product information including a current return rate for each product and a mean return rate for a predetermined period based on the present, for a predetermined reference index and a commercial investment product; A product performance evaluation index calculator for calculating a performance evaluation index of each investment product based on the risk and return data of each investment product obtained from the product information data stored in the first memory; and the risk of each investment product. And a second memory for storing yield data and a performance evaluation index for each product, and analyzing the propensity of the customer based on risk and return data of the investment product stored in the second memory and the received questionnaire data. A customer performance evaluation index calculation unit which calculates an investment risk level and target return data of a product and calculates a customer performance evaluation index based on the data; A search unit which searches the second memory and extracts at least one investment product having a product performance evaluation index which minimizes a gap with the calculated performance evaluation index of the customer; A transmitter for transmitting the extracted product information of the extracted goods to a user computer through the Internet as asset allocation information of a customer; Characterized in that comprises a.

Description

Personalized information providing system implemented on web-site for helping one's investment planning and method for providing that information}

The present invention relates to an information providing system for providing information to an individual on the Internet and a method of providing the same, and more particularly, an investment portfolio capable of maximizing a customer's profits by analyzing the characteristics and status of the customer and the characteristics of the investment product. An information providing system for providing information about a configuration and a method of providing the same.

Indirect investment products of the past have been classified into stocks, bonds, freestyles, etc., and thus customers can select management assets.

However, these products did not have a systematic system for constructing a scientific portfolio and analyzing the investment products or the current state of customers, and all the responsibility depended on the rough experience of the customer or investment consultant.

In recent years, investment trust companies have introduced customer management systems to guide their clients to maximize their profits according to customer size, such as investment size, age, and occupation.

However, this system is also a closed system that only targets its customers, so it is impossible to collect data for various users, and it is simply a rough guide to the portfolio type without comprehensive and individual analysis of various commercial products. It does not provide enough investment information.

The present invention seeks to overcome this problem of the prior art, which is implemented on a web site to target a wide range of members and analyzes requirements from customers based on a systematically analyzed database of various types of commercial investment products. The purpose of the present invention is to provide an information providing system and a method for providing the information about the optimized investment portfolio.

Figure 1 schematically shows the external configuration of the present invention.

2 is a block diagram showing the configuration of an information providing system according to an embodiment of the present invention.

3 is a flowchart illustrating an information providing method according to an embodiment of the present invention.

4 is a flowchart illustrating an optimal investment product selection algorithm according to an embodiment of the present invention.

5 is one embodiment of the questionnaire output that can be used for analysis of the propensity of the customer of the present invention.

FIG. 6 is a diagram illustrating an example of assigning a disposition analysis and a risk level from a survey result of a customer.

7A illustrates a portion of a table structure of a commercial investment product database.

Figure 7B illustrates a portion of an embodiment of a table structure that is processed from the basic database of Figure 7A and utilized in the investment product database of the present invention.

<Description of Symbols for Major Parts of Drawings>

1: Application Server 2: Backup Server

3: database server 4: database

5: administrator terminal 6: client computer

21: receiver 22: first memory

23: product performance evaluation index calculation unit 24: second memory

25: customer performance evaluation index calculation unit 26: search unit

27: selector 28: transmitter

The configuration of the information providing system of the present invention for achieving the above object is:

An information providing system for providing individual asset allocation information comprising a server computer which communicates with each of a plurality of customer computers connected via the Internet, the server computer comprising:

A receiving unit for receiving questionnaire data from a customer connected through a web browser;

A first memory for storing product information including a current return rate for each product and a mean return rate for a predetermined period based on the present, for a predetermined reference index and a commercial investment product;

A product performance evaluation index calculation unit configured to calculate a performance evaluation index of each investment product based on risk and return data of each investment product obtained from the product information data stored in the first memory; and

A second memory for storing risk and return data of each investment product and a performance evaluation index for each product; and

Based on the risk and return data of the investment product stored in the second memory and the received questionnaire data, the customer's disposition is analyzed to calculate the investment risk level and target return data of the product allowed by the customer, and based on the result of the customer's performance A customer performance evaluation index calculation unit for calculating an evaluation index;

A search unit which searches the second memory and extracts at least one investment product having a product performance evaluation index which minimizes a gap with the calculated performance evaluation index of the customer;

A transmitter for transmitting the extracted product information of the extracted goods to a user computer through the Internet as asset allocation information of a customer;

Characterized in that comprises a.

In addition, the information providing system of the present invention the product performance evaluation index calculation unit:

A benchmark calculation unit configured to calculate a benchmark return rate according to the characteristics of the customer product based on a predetermined reference index extracted from the data stored in the first memory and the return rate of the representative product;

A risk calculation unit configured to calculate a risk of the customer product based on a return rate of the customer product extracted from the data stored in the first memory and a benchmark return rate calculated by the benchmark calculation unit;

An evaluation index calculation unit configured to calculate a performance evaluation index for a return rate of a customer product based on the benchmark return rate and the risk data calculated by the risk calculation unit;

It may be characterized by including a.

In addition, the information providing system of the present invention the customer performance evaluation index calculation unit:

A risk calculator for analyzing a survey to calculate a risk and calculating a risk of a customer by matching the risk value with risk data of an investment product stored in the second memory;

A target rate yield calculation unit for analyzing a rate of return data of the investment product stored in the survey and the second memory to obtain a target rate of return of the customer;

An evaluation index calculation unit for obtaining a target performance evaluation index of the customer based on the risk value of the customer, the target rate of return and the rate of return of the representative product;

It may be characterized by including a.

An information providing method for providing asset distribution information of a customer of the present invention for achieving the above object includes a server computer communicating with each of a plurality of customer computers connected through the Internet and a database accessed by the server computer. In the information providing method for providing individual asset allocation information executed in the system configured, the information providing method is:

Receiving questionnaire data from a customer connected through a web browser;

For each investment product obtained from these commodity information data by accessing a first memory storing product information including a current return rate and a mean return rate for a predetermined period based on the present, for a predetermined reference index and a marketable investment product. Calculating a product performance evaluation index of each investment product based on risk and return data; and

Storing risk and return data and a performance evaluation index of each investment product in a second memory for each product; and

Based on the risk and return data of the investment product stored in the second memory and the received questionnaire data, the customer's disposition is analyzed to calculate the investment risk level and target return data of the product allowed by the customer, and based on the result of the customer's performance Calculating an evaluation index;

Searching the second memory and extracting at least one investment product having a product performance evaluation index which minimizes a gap with the calculated performance evaluation index of the customer;

Transmitting product information of the extracted product to a user computer via the Internet as asset allocation information of a customer;

Characterized in that comprises a.

In addition, the information providing method of the present invention comprises the steps of calculating the product performance evaluation index:

Calculating a benchmark return rate according to the characteristics of each investment product based on a predetermined reference index and a return rate of the representative product extracted from the data stored in the first memory;

Calculating a risk of each investment product based on a return rate of each investment product extracted from data stored in the first memory and a benchmark return rate calculated by the benchmark calculation unit;

Calculating a performance evaluation index for the return rate of each investment product based on the benchmark return rate and the risk data calculated by the risk calculation unit;

It may be characterized by including a.

In addition, the information providing method of the present invention comprises the steps of calculating the customer performance evaluation index:

Analyzing the survey to calculate a risk and calculating the risk of the customer by matching the risk value with the risk data of the investment product stored in the second memory;

Calculating a target return rate of the customer by analyzing return data of the investment product stored in the survey and the second memory;

Calculating a target performance evaluation index of the customer based on the risk value, the target rate of return of the customer, and the rate of return of the representative product;

It may be characterized by including a.

In addition, the information providing method of the present invention may further include the step of inducing a purchase by linking the investment company of the investment product that was finally selected by the customer.

Hereinafter, specific embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the same.

1 schematically shows the external configuration of the present invention.

The service provider side equipment is composed of a plurality of servers (1, 2, 3) and a database (4). Among them, the server may include an application server 1, a backup server 2, and various database servers 3, which are managed through a plurality of or one administrator terminal 5. Of these, the main program for the service is loaded in the application server 1, and is identified on the Internet by a domain name and can be accessed from the client computer 6. As is well known, these servers 1, 2, 3 are connected to line equipment 7 such as a router and may go through firewall equipment for security before being connected to the Internet.

FIG. 2 is a block diagram showing a detailed configuration of a system according to an embodiment of the present invention, in which the application server 1 accesses a database 4.

In the drawing, the memory is divided into the first memory 22 and the second memory 24, but physically, they may be separate databases contained in one memory device or may be stored in separate memory devices.

3 is a flowchart illustrating an information providing method according to an embodiment of the present invention performed in the above system.

A customer using a web browser on the client computer 6 enters a URL to connect to the application server 1. At this time, the application server enters data by providing a questionnaire to the customer in an appropriate graphic environment (step 31). 5 shows an example of a questionnaire of such a questionnaire.

These surveys are designed to determine the customer's propensity to invest and, among other things, to measure the degree of risk taking, or risk, of investment risk. In the customer performance evaluation index calculation unit 25 of FIG. 2, the risk calculation unit 251 performs a customer risk rating 322 calculation step in the customer propensity analysis 32 of FIG. 3.

This risk level may be assigned directly by the customer, but in this case it is only temporarily reflected as a temporary value and it is desirable not to directly affect the value determined by the survey. The same is true for target returns. Steps 321 and 322 and 324 and 323 and 325 illustrate this process.

Individual investment tendency items related to such risk calculations are scored by surveys based on the gender, age, property, and personality data of the customer. For example, an attitude score on the customer's risk can be calculated by the following equation. Can be.

Attitude Score on Customer's Risk =

S (investment propensity) + S (attitude towards future risk) + S (attitude towards current risk) + S (income propensity) + S (future funding plan) + S (dependency) + S (saving propensity)

Here, S () means a score for each item.

6A shows an example of score allocation for this propensity analysis.

The aggregated attitude scores may be divided according to a predetermined threshold according to a statistical result and divided into a predetermined number of grades. Fig. 6B shows an example of such a grade conversion, in which the number of grades is selected as seven.

In order to compare this customer's risk rating with the product's risk value, it must be converted into the same dimension. Since risk in goods is primarily a variation in returns, the standard deviation of returns is taken as an example of the risk value, and in this case, the conversion of the customer's risk value is described.

This conversion sorts all investments on the market according to the magnitude of the risk value, ranks them in the same number as the customer's risk rating, then obtains the average risk value for each graded group and assigns them to the group. Adopt a customer acceptable risk value of the corresponding risk class. Examples of risk values for investment products are described in detail later.

The target rate of return is the customer's expectation, so you can use the value you enter directly, but you can make some modifications to the survey results to reflect your potential satisfaction.

When the target return rate and the allowable risk value are obtained, the customer target performance index is calculated from these values and the benchmark return rate, that is, the return rate of the representative product. A representative product is a product that can be set as an object of return on investment with the lowest rate of return expected by the customer, for example, KTB product. An example of an algorithm for obtaining such a target performance evaluation index can be expressed by the following equation.

… Formula (1)

The above formula divides the target return from the benchmark return corresponding to the reference value by the risk value, which is the standard deviation concept, and normalizes the difference to the risk.

Apart from the process of calculating the customer's target performance index, the target performance index for commercial investment products is obtained (step 34). The calculation process may be performed in the product performance evaluation index calculation unit 23 at regular intervals, for example, once a day and stored in the second memory 24. This will be described in detail below.

All the configurations of the product performance evaluation index calculation unit 23 actually exist as a set of instructions in the CPU in most cases. In this case, the risk is calculated using the difference between the actual return of the customer's product, for example, the previous day or the previous month's return, based on the benchmark return, which is the rate of return normally required for the customer's product. From the return and risk data, the performance index is calculated for each customer product.

In more detail, first, the benchmark yield of each commodity is calculated using the stock index and the government bond yield, which is a representative commodity, as in the following example. For example, in the case of the fund, KTB yield was adopted as the yield of the representative product in the sense of the customer's minimum expected return. In addition, although KOSPI200 was selected as the stock index in the formula, it can be variously selected according to the type of customer product.

Benchmark Return = KOSPI 200 × W + Treasury yield × (1-W)… Formula (2)

Where W is appropriately selected in the range of 0 to 1 according to the type of the product, one specific embodiment thereof is as follows.

Growth-type products: KOSPI 200 × 0.7 + Treasury yield × 0.3

Stability long product: KOSPI200 × 0.3 + Treasury yield × 0.7

Stable products: KOSPI200 × 0.0 + Treasury yield × 1.0

The risk is then calculated using the benchmark return for each product and the return for that product. Risk is the mean of the variation over the baseline rate of return, for example:

… Formula (3)

Based on this risk value and the return on the product, a performance appraisal index is calculated. One embodiment of this calculation method is represented by the following equation.

… Formula (4)

Where the denominator represents the rate of return of the product above the benchmark rate of return.

The resulting performance appraisal index is meaningful as the normalized data on the risk of the product's rate of return exceeding the benchmark rate of return.

In this way, if the performance evaluation index is calculated for each investment product and stored in the second memory 24, and the customer performance evaluation index is calculated through the survey of the customer, the difference between the customer performance evaluation index and the product performance evaluation index, that is, The group of investment products in which the gap is minimized, for example, 10 investment products by type, is searched by the searching unit 26 and presented to the customer (step 33). From this, the customer can select the optimal product (step 35) and, for this, link the detailed information of the product before or after the selection and show it (step 36). Furthermore, direct linkage with the sellers of these investment products can lead to purchases and subsequent management at the same server (step 37). Since the process after linking the seller's sales web page is not a part provided in the present invention but an investment product transaction processing process such as a general stock transaction made in the seller's web server, detailed description thereof will be omitted.

Information on the various investment products on the market, which are the basis for calculating the valuation index, is currently provided online by various institutions every day. For example, information related to bonds is provided by Korea Securities Co., Ltd. and information on MMF products is provided by Korea Investment Trust Association.

Fig. 7A shows a part of the table structure of the investment product database provided as such, and Fig. 7B shows a part of an embodiment of the table structure which is processed from these basic data and utilized in the investment product database of the present invention.

As described above, the present invention is a very useful information providing system and method that can present the most appropriate investment products to customers based on the overall analysis of the market investment products updated daily and the scientific and systematic analysis of the customer's disposition. to be.

Although the present invention has been described with reference to specific embodiments, it is not limited thereto, and various changes may be made by those skilled in the art without departing from the scope of the present invention in each component. Thus, including such described or obviously foreseeable variations, the scope of the present invention will be limited only by the matters set forth in the claims.

Claims (8)

An information providing system for providing individual asset allocation information comprising a server computer which communicates with each of a plurality of customer computers connected via the Internet, the server computer comprising: A receiving unit for receiving questionnaire data from a customer connected through a web browser; A first memory for storing commodity information including a yield rate of each commodity for a commercial investment product; From the commodity information data stored in the first memory, the yield is compared with the representative product for each investment product, and the risk representing the variation of the yield for each investment product is calculated, and the corresponding normalized for the corresponding risk. A product performance evaluation index calculation unit that calculates a product performance index for each investment product as a yield; and A second memory for storing risk and return data of each investment product and a performance evaluation index for each product; and The survey data input through the receiver is quantified and matched with the risk data of the investment product stored in the second memory to obtain the risk of the customer, and the target return rate of the customer compared with the representative product is normalized to the risk. A customer performance evaluation index calculation unit for obtaining a target performance evaluation index of the customer; A search unit which searches the second memory and extracts at least one investment product having a product performance evaluation index which minimizes a gap with the calculated performance evaluation index of the customer; A transmitter for transmitting the extracted product information of the extracted product to a user computer through the Internet as investment guide information of a customer; Information providing system comprising a. The information providing system of claim 1, wherein the product performance evaluation index calculation unit: A benchmark calculation unit for calculating a benchmark return rate according to the characteristics of the customer product based on the return rate of the representative product from the data stored in the first memory; A risk calculation unit configured to calculate a risk of the customer product based on a change in the return rate of the customer product extracted from the data stored in the first memory and a benchmark return rate calculated by the benchmark calculation unit; An evaluation index calculation unit configured to calculate a performance evaluation index for a return rate of a customer product based on the benchmark return rate and the risk data calculated by the risk calculation unit; Information providing system comprising a. The information providing system according to any one of claims 1 and 2, wherein the customer performance index calculation unit: A risk calculator for analyzing a survey to calculate a risk and calculating a risk of a customer by matching the risk value with risk data of an investment product stored in the second memory; A target yield calculator for determining a target rate of return for the customer; An evaluation index calculation unit for obtaining a target performance evaluation index of the customer based on the risk value of the customer, the target rate of return and the rate of return of the representative product; Information providing system comprising a. An information providing method for providing personal asset investment information executed in a system configured to include a server computer communicating with each of a plurality of customer computers connected through the Internet, and a database accessed by the server computer. How to Provide: Receiving questionnaire data from a customer connected through a web browser; By accessing the first memory, which stores product information including yields for each product, for commercial investment products, calculates the rate of return compared to the representative product for each investment product, and calculates the risk indicating fluctuation of the rate of return for each investment product. Calculating a product performance index for each investment product as a corresponding return normalized for the corresponding risk; Storing risk and yield data and a performance evaluation index of each investment product in a second memory for each product; The customer's risk is calculated by quantifying the entered questionnaire data of the customer and matching it with the risk data of the investment product stored in the second memory. Calculating a performance evaluation index; Searching the second memory and extracting at least one investment product having a product performance evaluation index which minimizes a gap with the calculated performance evaluation index of the customer; Transmitting product information of the extracted product to a user computer through the Internet as investment information of a customer; Information providing method executable on a computer comprising a. In the information providing method of claim 4, the step of calculating the product performance evaluation index includes: Calculating a benchmark return rate according to the characteristics of each investment product based on the return rate of the representative product extracted from the data stored in the first memory; Calculating a risk of each investment product based on a return rate of each investment product extracted from data stored in the first memory and a benchmark return rate calculated by the benchmark calculation unit; Calculating a performance evaluation index for the return rate of each investment product based on the benchmark return rate and the risk data calculated by the risk calculation unit; Information providing method executable on a computer comprising a. In the information providing method according to claim 4, the step of calculating the customer performance evaluation index includes: Analyzing the survey to calculate a risk and calculating the risk of the customer by matching the risk value with the risk data of the investment product stored in the second memory; Calculating a target return rate of the customer by analyzing return data of the investment product stored in the survey and the second memory; Calculating a target performance evaluation index of the customer based on the risk value, the target rate of return of the customer, and the rate of return of the representative product; Information providing method executable on a computer comprising a. In the information providing method according to any one of claims 4, 5 and 6, And providing a link to the investment company of the investment product finally selected by the customer. In the information providing method according to claim 4, the step of calculating the product performance evaluation index includes: Calculating a benchmark return rate according to the characteristics of each investment product based on the return rate of the representative product extracted from the data stored in the first memory; Calculating a risk of each investment product based on a return rate of each investment product extracted from data stored in the first memory and a benchmark return rate calculated by the benchmark calculation unit; Calculating a performance evaluation index for the return rate of each investment product based on the benchmark return rate and the risk data calculated by the risk calculation unit. The step of calculating the customer performance index is: Analyzing the survey to calculate a risk and calculating the risk of the customer by matching the risk value with the risk data of the investment product stored in the second memory; Obtaining a target rate of return for the customer; Calculating a target performance evaluation index of the customer based on the risk value, the target rate of return of the customer, and the rate of return of the representative product; It is configured to include; And providing a link to the investment company of the investment product finally selected by the customer.