KR20200129402A - A method and an apparatus for providing asset management services based on portfolio items - Google Patents

Abstract

According to an embodiment of the present invention, a method of providing an asset management service of a service providing device includes the steps of: acquiring user analysis information on the basis of user input information input to a user terminal; providing a portfolio item interface including one or more investment asset related portfolio items selected in response to the user analysis information from a portfolio item market built based on an online network; and providing an asset allocation engine service corresponding to the applied selected portfolio item according to a user input corresponding to the portfolio item interface. According to the present invention, a plurality of users can configure an optimal asset allocation portfolio model customized to each user.

Description

Portfolio item-based asset management service provision method and its device {A METHOD AND AN APPARATUS FOR PROVIDING ASSET MANAGEMENT SERVICES BASED ON PORTFOLIO ITEMS}

The present invention relates to a service providing method and apparatus thereof. More specifically, the present invention relates to a method and apparatus for providing a portfolio item-based asset management service.

Customers who have contracted for financial asset management with a financial company on behalf of a financial company seek high returns and expect stability. Accordingly, a financial company collects investment funds from multiple contractors and manages various products that can pursue a return on the contractor's investment funds. Are presented.

As a method for efficiently allocating these products, portfolio selection theory is widely used. According to the portfolio selection theory, which is one of the strategies for effective asset investment, for asset investment, if the expected return is the same, a product combination of the low-risk asset class is selected, and if the risk is the same, the expected return is higher It is possible to combine products from asset class groups.

In some cases, such a portfolio is created by an individual investor, but it is generally recommended to receive professional consultation through a branch employee or the like. However, in the aspect that such professional consultation is time consuming and it is not easy to secure reliability, an automated portfolio creation tool such as a robo-advisor has recently been proposed.

However, current automated portfolio creation tools are optimized only to determine the initial portfolio model to recommend to customers, and it is very difficult to change the already determined portfolio model.

In other words, current portfolio tools such as robo-advisors analyze customer preferences through questionnaire, evaluate and analyze through this, and automatically propose an optimal portfolio model, but the initial portfolio model is determined and the customer's account information is When linked, only the degree of continuous asset allocation and periodic rebalancing according to the selected model is performed, and there is a problem that the customer or investor is not given real-time change or intervention authority for the model.

Rather, the current portfolio tools allow customers to reselect a new portfolio model through de-linking of account information, re-subscription, and reanalysis when a customer requests a change or intervention or simulation of the model itself. Accordingly, it represents a structural limitation that cannot be processed in real time. In other words, the current automation systems such as robo-advisors only provide a process that cannot simulate changes or remodel other portfolio models after a portfolio model is selected once.

As such, the current asset allocation solution system only provides one-way processes led by branches and experts, and real-time changes and interventions by individual users such as customers and investors after initial subscription are rather blocked.

In addition, due to the unidirectional nature of the portfolio model and the difficulty of changing the model, there are only 3~4 management strategies for each vendor, and as a result, all sales capabilities are concentrated on a small number of high-value asset owners.

Due to such limitations in product sales and sales structure, distribution channels of robo-advisor-based portfolios that can be customized by a large number of small users are also limited.

In other words, in the asset management product sellers that entrust and sell portfolio product groups, portfolio management for a small number of high-value assets is prioritized in terms of cost and efficiency, so the characteristics and advantages of robo advisors and portfolio simulation tools are not utilized at all. .

The present invention was devised to solve the above-described problems, and investable objects that can be expressed in terms of returns, such as various financial products, investment assets, P2P funds, and cryptocurrencies, are invested based on portfolio items created according to portfolio simulation. It provides an asset management service network and its system that can be easily configured into products, shared and sold, and is optimized for a large number of users, each tailored to them, away from the limited and uniform sales method targeting only a few large investors. Its purpose is to provide a method and apparatus for providing asset management services that can be invested by constructing an asset allocation portfolio model.

In addition, the customized asset allocation portfolio model eliminates the unidirectional and impracticality of the above-described current system by processing model portfolio simulation and real-time reapplication according to user-led change settings, and provides user convenience for customers and investors. Its purpose is to make it possible to improve.

An asset allocation service providing method of a service providing device according to an embodiment of the present invention for solving the above-described problem is, in the asset management service providing method of the service providing device, based on user input information input to a user terminal. , Obtaining user analysis information; Providing a portfolio item interface including one or more portfolio items related to investment assets selected in response to the user analysis information from a portfolio item market built based on an online network; And providing an asset allocation engine service corresponding to an applied-selected portfolio item according to a user input corresponding to the portfolio item interface.

In addition, in the apparatus for providing a service according to an embodiment of the present invention for solving the above-described problem, in the apparatus for providing an asset management service, based on user input information input to a user terminal, user analysis information is obtained, An investment product management module that provides investment product management based on the acquired user analysis information; A port item-based sharing market module that provides a portfolio item interface including one or more investment asset related portfolio items selected in response to the user analysis information from a portfolio item market built based on an online network; And an asset allocation engine service linking unit that provides an asset allocation engine service corresponding to the applied selected portfolio item according to a user input corresponding to the portfolio item interface.

Meanwhile, the method according to an embodiment of the present invention for solving the above-described problems may be implemented with a program for executing the method on a computer and a recording medium in which the program is recorded.

According to an embodiment of the present invention, anyone can easily configure investment products based on portfolio items created according to portfolio simulation, such as various financial products, investment assets, P2P funds, cryptocurrency, etc. It can provide an asset management service network and its system that can be shared and sold.

Accordingly, it is possible to break away from the limited and uniform sales method targeting only a small number of high-value investors, and to make investments by configuring an optimal asset allocation portfolio model tailored to each user.

In addition, according to an embodiment of the present invention, a user-customized asset allocation model is determined using a user-customized asset allocation model determined based on user-customized information, and real-time simulation information corresponding thereto can be provided to the user terminal. By processing model portfolio simulation according to user-led change settings and real-time re-application according to simulation information, it is possible to solve the unidirectional and impracticality of the above-described current system and improve user convenience for customers and investors. have.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
2 is a block diagram for describing in more detail an apparatus for providing an asset allocation engine service according to an embodiment of the present invention.
3 is a block diagram illustrating a user terminal according to an embodiment of the present invention in more detail.
4 is a block diagram for describing in more detail an apparatus for providing an asset management service according to an embodiment of the present invention.
5 is a flowchart illustrating a process of providing an asset allocation engine service according to an embodiment of the present invention.
6 is a flowchart illustrating a portfolio reapplication process according to another embodiment of the present invention.
7 to 8 are diagrams for explaining an asset allocation engine service interface output through a user terminal according to an embodiment of the present invention.
9 is a flowchart illustrating a method of providing an asset management service according to an embodiment of the present invention.
10 to 16 are diagrams for explaining asset management service interfaces output from a user terminal according to the provision of an asset management service according to an embodiment of the present invention.
17 is a flowchart illustrating an operation of a shared market service by an apparatus for providing an asset management service according to an embodiment of the present invention.
18 to 24 are diagrams for explaining asset management service interfaces provided to a user terminal by a shared market service according to an embodiment of the present invention.
25 is a flowchart illustrating a portfolio item generation process of an apparatus for providing an asset management service according to an embodiment of the present invention.
26 to 32 are diagrams for explaining asset management service interfaces output from a user terminal by a portfolio item creation process according to an embodiment of the present invention.
33 is a flowchart illustrating a portfolio item-based league progress process according to an embodiment of the present invention.

The following content merely illustrates the principles of the present invention. Therefore, those skilled in the art can implement the principles of the present invention and invent various devices included in the concept and scope of the present invention, although not clearly described or illustrated herein. In addition, it is understood that all conditional terms and examples listed in this specification are, in principle, expressly intended only for the purpose of making the concept of the present invention understood, and are not limited to the embodiments and states specifically listed as such. Should be.

In addition, it is to be understood that all detailed descriptions listing specific embodiments as well as principles, aspects and embodiments of the present invention are intended to include structural and functional equivalents of these matters. It should also be understood that these equivalents include not only currently known equivalents, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of structure.

Thus, for example, the block diagrams herein are to be understood as representing a conceptual perspective of exemplary circuits embodying the principles of the invention. Similarly, all flowcharts, state transition diagrams, pseudocodes, etc. are understood to represent various processes performed by a computer or processor, whether or not the computer or processor is clearly depicted and that can be represented substantially in a computer-readable medium. Should be.

In addition, the explicit use of terms presented as processor, control, or similar concepts should not be interpreted exclusively by referring to hardware capable of executing software, and without limitation, digital signal processor (DSP) hardware, ROM for storing software. It should be understood to implicitly include (ROM), RAM, and non-volatile memory. Other commonly used hardware may also be included.

The above-described objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, whereby those of ordinary skill in the technical field to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

Referring to FIG. 1, the entire system according to an embodiment of the present invention includes an asset allocation engine service providing device 100, an asset management service providing device 500, one or more user terminals 200, and one or more financial servers 300. ).

The entire system may be connected to each other through a communication network including a wired/wireless Internet network. In addition, a network for securely connecting communications may be configured between the asset allocation engine service providing device 100, the asset management service providing device 500, the user terminal 200, and the financial server 300. In addition, the asset allocation engine service providing apparatus 100, the user terminal 200, and the financial server 300 may each have a communication module for transmitting and receiving data by accessing the communication network.

Communication networks include, for example, open Internet, wired Internet networks including closed intranets, wireless Internet communication networks linked to mobile communication networks, and protocols such as Transmission Control Protocol (TCP)/Internet Protocol (IP) and User Datagram Protocol (UDP). A computer network capable of various data communication including based data communication may be exemplified.

And, the asset allocation engine service providing device 100, in response to the request of the user terminal 200 or the asset management service providing device 500, in conjunction with the financial server 300, the asset allocation engine according to an embodiment of the present invention One or more processes for providing a service may be processed, and processed data may be provided to the asset management service providing apparatus 500 or the user terminal 200.

Here, the asset allocation engine service providing device 100 may analyze an asset allocation solution and provide an asset allocation processing service according to the request of the asset management service providing device 500 or the user terminal 200. To this end, the asset allocation engine service providing apparatus 100 may include at least one of a database, an item selection engine, an asset allocation engine, and a simulation engine.

In particular, the asset allocation engine service providing apparatus 100 according to an embodiment of the present invention indexes financial data corresponding to financial items desired by users in response to domestic and foreign listed companies through an item selection engine, and provides an optimal investment item. You can create a stock selection portfolio consisting of Here, the QUANT algorithm method may be exemplified in generating the stock selection portfolio.

And, the asset allocation engine service providing device 100 enables the creation of a customized model according to user intervention by driving an asset allocation engine and a simulation engine in response to an item selection portfolio, and responds to asset allocation according to the currently applied portfolio. Thus, it is possible to process model simulation and real-time reapplication according to user-led change settings, and solve the unidirectional and non-real-time characteristics of the existing robo-advisor.

In addition, a portfolio item based on a customized asset allocation model generated through the asset allocation engine service providing device 100 may be uploaded to the sharing market through the asset management service providing device 500.

The asset management service providing device 500 processes the portfolio item to be provided to the other user terminal 200 through the operation of the shared market, and checks the portfolio item of another person in the other user terminal 200, and It can be applied in whole or in part, or a combination of them can be used to create a new portfolio item again. Here, all customized asset allocation models included in the portfolio item may include automated financial information processing processes that are algorithmized through the asset allocation engine service providing apparatus 100 to enable automatic transaction processing. In addition, for this purpose, the asset management service providing device 500 includes a customized product investment management module for customized product investment management based on the asset management engine service providing device 100 according to user information registration of the user terminal 200. In addition, a shared market module based on user-specific portfolio items may be included.

Here, the portfolio item may include asset distribution portfolio information that can be shared, sold, purchased, or combined in a market according to an embodiment of the present invention, and a rate of return for each portfolio item is calculated in real time and provided to the user terminal 200. I can. That is, the portfolio item may be an investment product data set (SET) that is a combination of various financial products, investment assets, P2P funds, cryptocurrency, etc., which can be expressed as returns.

For example, the investment product data set corresponding to the portfolio item includes basic portfolio configuration information, asset distribution information according to user customization, combination information and combination weight information when a plurality of portfolio items are combined, and combination Can include theme information. In addition, past investment results and simulation information corresponding to the investment product data set may be provided to the user terminal 200 in real time by driving the engine service providing apparatus 100. Such a data set may be registered on a shared market network provided through the asset management service providing device 500 and may be shared with other users.

Here, the shared market network may be configured by the user terminals 200 connected to the asset management service providing device 500, and may be configured based on a server network led by the asset management service providing device 500, The present invention is not limited thereto, and various types of shared market networks, such as an Internet network, a cloud network, and a block chain network, may be used.

Accordingly, any user of the user terminal 200 registers the investment product data set corresponding to the portfolio item in the asset management service providing device 500, and provides a portfolio simulation of the asset allocation engine service providing device 100 It may be generated and received, and may be shared or sold through a shared market provided through the asset management service providing device 500.

Therefore, the user can easily configure portfolio item-based investment products through the user terminal 200, and the asset management service providing device 500 can provide an asset management service network and system for sharing and selling them. In addition, the asset allocation engine service providing device 100 may perform an item selection, asset allocation, and simulation process for creating a portfolio item, and provide the result to the user terminal 200 or the asset management service providing device 500. have.

In addition, other users can receive recommendations from the asset management service providing device 500 through the user terminal 200 for a portfolio item suitable for their propensity or criteria, and select a suitable item among them, and asset allocation by the asset distribution engine. Since the investment and automatic trading service provided by the engine service providing device 100 can be provided, it is possible to make a flexible investment according to various combinations of portfolio items and real-time setting changes regardless of the amount.

Accordingly, it is possible to deviate from the limited and uniform sales method targeting only a small number of high-value investors, and allow multiple users to invest by constructing an optimal asset allocation portfolio model tailored to them, and applying real-time changes.

To this end, the asset management service providing apparatus 500 according to an embodiment of the present invention processes user registration by checking user account information of the user terminal 200, performing authentication, etc., and input from the user terminal 200. Based on user input information, user analysis information may be obtained and transmitted to the asset allocation engine service providing apparatus 100.

Meanwhile, the asset allocation engine service providing apparatus 100 determines asset setting information corresponding to the user analysis information, and generates initial portfolio information by applying the asset setting information to an asset allocation engine based on pre-stored model information. ,

Provides the initial portfolio information to the asset management service providing device 500 or the user terminal 200, and user-specific information corresponding to the initial portfolio information from the asset management service providing device 500 or the user terminal 200 By acquiring and providing real-time simulation information using the user-customized asset allocation model determined based on the user-customized information to the asset management service providing device 500 or the user terminal 200, a user-customized asset allocation model can be generated. In addition, real-time simulation information for this may be provided to the asset management service providing device 500 or the user terminal 200.

Accordingly, the asset allocation engine service providing apparatus 100 includes an asset allocation engine that processes storage and management of one or more asset allocation models, and a database for storing user information, asset setting information, trading registration information, and simulation information. It can be, and a more detailed configuration will be described later in FIG. 2.

In addition, the asset allocation engine service providing device 100 communicates with the financial server 300 directly or via the asset management service providing device 500 to optimize the user's investment assets according to the automatic trading service for asset setting information. Financial processing can be performed.

On the other hand, the financial server 300 may correspond to one or more financial institution servers, for example, a bank server that processes asset transfer to an investment target account or transaction information at the request of the asset allocation engine service providing device 100 Alternatively, a stock company server or the like may be exemplified.

In particular, the asset allocation engine service providing apparatus 100 according to an embodiment of the present invention processes a simulation of a user-customized asset allocation model and transaction information with the financial server 300 according to the application of the user-customized asset allocation model, thereby simulating It can provide an automatic trading service based on.

The simulation and automatic trading service of the asset allocation engine service providing device 100 can be executed by a robo-advisor for each item that is processed in response to each product item included in the asset allocation model as the user-customized asset allocation model is determined. have.

To this end, the asset allocation engine service providing apparatus 100 may compositely configure a robo advisor for each item according to an asset allocation model decision, and the composite configuration process may be automated and processed. Accordingly, the asset allocation engine service providing apparatus 100 according to an embodiment of the present invention may function as a high-level robo-advisor using a robo-advisor, which facilitates a change portfolio simulation and re-application processing to be described later.

On the other hand, the user terminal 200 receives user information, transmits and receives data with the asset management service providing device 500 and the asset allocation engine service providing device 100, and inputs the user information and the asset management service providing device ( 500) may be a terminal of a user that provides an asset management service.

For example, the user terminal 200 is an electronic device in which a service function according to an embodiment of the present invention can be installed through an application, for example, a smartphone, a laptop computer, a tablet PC, a kiosk, and the like.

In addition, a user according to an embodiment of the present invention may be a user who is provided with an asset management service. For example, the user may be a user of the user terminal 200 and may be a direct investor, but various users who receive asset management services such as a designer or an investment counselor who design an investment portfolio through the user terminal 200 may be exemplified. have.

In addition, the user terminal 200 may process information provided from the asset management service providing device 500 and output it through a display interface, and may include one or more output units (not shown) for this. The output unit may include an interface for providing information to a user. For example, the output unit may have one or more display interfaces.

In addition, in the embodiment of the present invention, the asset management service providing device 500 and the asset allocation engine service providing device 100 are described as being separate devices, but the present invention is not limited thereto, and each device is modularized. It may be included as a component of one service providing device. Therefore, the asset management service providing device 500 and the asset allocation engine service providing device 100 according to an embodiment of the present invention are implemented in one service providing device by integrating all or part of the functions, or located in a remote location. It may be distributedly implemented by a plurality of service providing devices.

2 is a block diagram for describing in more detail an apparatus for providing an asset allocation engine service according to an embodiment of the present invention.

Referring to FIG. 2, the apparatus 100 for providing an asset allocation engine service according to an embodiment of the present invention includes a communication unit 105, an asset allocation engine management unit 120, an item setting information management unit 130, and a user information analysis unit 140. ), a simulation processing unit 150, a management service linking unit 160, an automatic trading unit 170, a portfolio reapplication processing unit 190, and a database management unit 180.

The communication unit 105 communicates with the asset management service providing device 500, the financial server 300, or the user terminal 200, or the asset management service providing device 500, the financial server 300, or the user terminal 200 It contains one or more communication modules for communicating with the located network.

Here, the communication unit 105 is a type connected in a wireless or wired manner through a local area network (LAN) and an Internet network, a type connected through a universal serial bus (USB) port, and a mobile communication network such as 3G or 4G. It is possible to connect through a short-range wireless communication method such as NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi, etc.).

In addition, the communication unit 105 may receive user registration information for asset management and asset distribution service provision from the asset management service providing device 500 or the user terminal 200, and the user information analysis unit 140 receives User information according to the registered user registration information may be registered, and user management processing corresponding to the registered user information may be performed.

In particular, the user information analysis unit 140 may provide a user analysis interface for user analysis through the asset management service providing device 500 or directly to the user terminal 200, and a user corresponding to the user analysis interface By analyzing the input information, user analysis information can be obtained.

The item setting information management unit 130 may collect asset information from the asset management service providing device 500 or the user terminal 200, and obtain, store and manage item setting information corresponding to the collected user asset information. I can. Here, the stock setting information may include financial asset information that the user wants to invest and asset group distribution information according to the user's selection, which may be obtained from user analysis information.

In addition, the asset allocation engine management unit 120 may determine an initial portfolio by applying user analysis information and item setting information to an asset allocation engine according to preset asset allocation model information.

For example, the asset allocation engine management unit 120 may drive an asset allocation engine by applying user analysis information and item setting information to a portfolio determination algorithm according to a preset asset allocation model, and may drive an asset including an initial portfolio. Distribution model information can be displayed. To this end, the asset allocation engine management unit 120 may store and manage one or more asset allocation model engine information driven based on user analysis information.

In addition, the asset allocation model information including the initial portfolio may be provided to the asset management service providing apparatus 500 or the user terminal 200. Here, the initial portfolio information may include a portfolio determined by an asset allocation model determined in response to the user analysis information according to an operation of the asset allocation engine management unit 120 among one or more standard asset allocation modules known in advance.

For example, the asset allocation model of initial portfolio information may be determined according to an asset investment propensity according to user analysis, and may include an asset allocation ratio for each asset type according to the asset investment propensity. For example, asset types can include ETFs by item, deposit/liquidity funds, domestic bonds, domestic stocks, foreign stocks, foreign bonds, alternative investment funds, structured bonds and bancassurance insurance, etc. The asset allocation ratio can be determined. Therefore, the initial portfolio information may include investment ratio information corresponding to each asset type, and the asset allocation model information corresponding thereto is visualized in the form of a house view to provide the asset management service providing device 500 or the user terminal 200 Can be provided as

Accordingly, the user terminal 200 may output initial portfolio information through the portfolio interface. In addition, the user terminal 200 may receive user customized information from a user, and the input customized information may be transmitted to the asset allocation engine service providing apparatus 100. For example, initial portfolio information may be a standardized optimal investment ratio, but a user may request a personalized item setting. Accordingly, according to an embodiment of the present invention, the user terminal 200 may receive user-customized information for adding or changing customized assets for each item, and such user-customized information is transmitted to the asset allocation engine service providing device 100 Can be.

In addition, the asset allocation engine management unit 120 may change the initial portfolio model to a user-customized asset allocation model based on the user-customized information, and the changed user-customized asset allocation model information may be transmitted to the simulation processing unit 150. have.

The simulation processing unit 150 may first process a model simulation based on the initial portfolio information and provide the processed result information to the user terminal 200. Here, the simulated financial information according to the initial portfolio information may include a simulation result based on past financial information, and may display an annual average expected return, annual volatility, maximum fall width, and Sharpe ratio.

In addition, when the user-customized asset allocation model is determined, the simulation processing unit 150 may provide real-time simulation processing according to the user-customized asset allocation model, and the simulation result may be provided to the user terminal 200. Here, the user terminal 200 may compare and provide the simulation result of the initial portfolio model and the simulation result of the user-customized asset allocation model, thereby making it very easy to evaluate the user's performance.

Meanwhile, the user terminal 200 may request a user trading registration corresponding to a portfolio item acquired from the market through the asset management service providing device 500 or a user-customized asset allocation model directly registered in the user terminal 200, and automatically The trading processing unit 170 may receive user trading registration information including user account information and initial asset information in response to the user trading registration request, and execute an automatic trading process based on the customized asset allocation model.

Accordingly, the trading processing unit 170 may provide current asset allocation portfolio monitoring information according to the automatic trading process to the user terminal 200. Such monitoring information may be provided in a manner of providing current asset allocation portfolio model information through a portfolio interface of the user terminal 200.

Meanwhile, the portfolio reapply processing unit 190 may receive change setting information corresponding to the current asset allocation portfolio model information from the user terminal 200.

To this end, the user terminal 200 may receive user change setting information through a portfolio interface, the engine management unit 120 may generate a change portfolio model based on the change setting information, and the simulation processing unit 150 By processing the simulation based on the changed portfolio model, the comparison information of the real-time simulation result with the current asset allocation portfolio model may be provided to the user terminal 200. Accordingly, the user terminal 200 may check the comparison of simulation results and input a real-time portfolio model change request.

The portfolio reapply processing unit 190 may perform reapply processing of the changed portfolio model corresponding to the current account and assets of the user trading registration information based on the real-time portfolio model change request.

Here, the portfolio reapplication processing unit 190 acquires current account information and current asset information corresponding to the previously registered user trading registration information, without adding or changing user trading registration information, and obtaining the current account information and the current It is possible to perform automatic change processing of the user trading registration information to reapply the asset information from the current portfolio model to the changed portfolio model.

Accordingly, the automatic trading unit 170 may perform an automatic trading process based on the automatically changed user trading registration information and the changed portfolio model.

On the other hand, when a user-specific asset allocation model is generated for each user, the management service linking unit 160 uploads it to the portfolio item sharing market through the asset management service providing device 500 at the request of the user terminal 200, and sells the product. Can be used for To this end, the management service linking unit 160 may generate a user-customized asset allocation model as a portfolio item matching user information and register it as the asset management service providing device 500, and the registered user-customized asset allocation model is different. Providing a portfolio item data set that can be shared with the second user terminal may be performed.

For example, the management service linking unit 160 provides an asset management service with one or more recommended user customized asset allocation model information according to the user analysis information of the second user terminal registered through the asset management service providing device 500 By providing the device 500, it can be shared with the second user terminal connected to the asset management service providing device 500, and therefore, setting and changing the asset allocation model using customized asset allocation model information of other users Also becomes easier.

In addition, the management service linking unit 160 acquires portfolio item information obtained from the asset management service providing device 500 according to an application request from the user terminal 200, and provides an asset allocation engine service corresponding to the obtained portfolio item information. Can run. Here, the portfolio item information may include a user-customized asset allocation model for driving an asset allocation engine service, or may include initial portfolio information and custom setting information for generating the user-customized asset allocation model.

Accordingly, the management service linking unit 160 may execute the asset allocation engine service based on the portfolio item information, and provide the asset allocation engine service information to the user terminal 200 or the asset management service providing device 500. have.

Here, the asset allocation engine service includes modules controlled by the control unit 110 (asset allocation engine management unit 120, item setting information management unit 130, user information analysis unit 140, simulation processing unit 150), Includes a management service that controls at least one operation of the automatic transaction processing unit 170 and the portfolio reapplication processing unit 190, and transmits the result information to the asset management service providing device 500 or the user terminal 200. I can.

Accordingly, the management service linking unit 160 is in the process of managing the asset allocation engine based on the portfolio item acquired from the asset management service providing device 500, item setting, user information analysis, simulation processing, automatic trading processing, and portfolio reapplication processing. By performing at least one process, the result may be provided to the asset management service providing apparatus 500 or the user terminal 200.

In addition, the controller 110 controls the overall operation of each component as described above, and may include one or more microprocessors for this.

In addition, the database management unit 180 includes model information for applying the aforementioned asset allocation engine, item setting information for each user, user analysis information, simulation processing information, management service linkage information with the asset management service providing device 500, and automatic trading. Processes the storage and management of processing information and portfolio reapplication processing information, and may include one or more storage media for this.

3 is a block diagram illustrating a user terminal according to an embodiment of the present invention in more detail.

Referring to FIG. 3, a user terminal 200 according to an exemplary embodiment of the present invention includes an asset management service unit 210, a communication unit 220, a control unit 230, a user input unit 240, and a memory 250. do.

The communication unit 220 includes a user terminal 200 and an asset allocation engine service providing device 100 and an asset management service providing device 500, or an asset allocation engine service providing device 100 and an asset management service providing device 500 It may include one or more modules that enable communication between located networks. For example, the communication unit 220 may include a mobile communication module, a wireless Internet module, a short-range communication module or a wired communication module.

The user input unit 240 may include one or more interface modules for receiving user input. More specifically, the user input unit 240 is an asset management service providing device 500 or an asset allocation engine service providing device 100, and includes user information, user input information for user analysis, and a user for generating a customized asset allocation model. Various information such as customized information, model change request information, and automatic trading registration information can be input and processed.

The controller 230 controls the general operation of the general terminal 200, and in particular, may control various asset allocation service operations through the asset management service unit 210.

The asset management service unit 210 may provide various asset management services through communication with the asset allocation engine service providing apparatus 100 under the control of the controller 230.

To this end, first, the asset management service unit 210 includes a propensity analysis module that outputs the user analysis information according to user input information, and a house view that outputs the asset setting information in a house view method to provide an asset distribution engine service. A module, an asset allocation module that outputs the user-customized asset allocation model information, and a simulation module that outputs the real-time simulation information; And when an automatic trading process based on the user-customized asset allocation model is executed by receiving user trading registration information including the user account information and initial asset information from the asset allocation service providing device, the current asset allocation according to the automatic trading process It may include an automatic trading module that outputs portfolio monitoring information.

In addition, the asset management service unit 210, for a portfolio item-based asset management service, an item recommendation module that recommends an optimized portfolio item to a user, a market that processes inquiry, application, or selection of a portfolio item shared in the market. A port item combination service module that provides creation of new portfolio items through a combination of modules and portfolio items, a league service module that provides market-based competitive league services for personalized portfolio items, and a management and notification service for items designated as interest portfolios. It may include a port management module of interest to provide.

Accordingly, the user terminal 200 includes an asset management service processed by the asset management service unit 210 or provided through the asset management service providing device 500, and an asset provided from the asset distribution engine service providing device 100 A distribution service may be provided, and various service information to be processed may be output through an output unit by the controller 230 as a screen interface, a video interface, or an audio interface.

In addition, the memory 250 may include one or more storage media for storing information input/output for the operation of each component and a process for controlling the controller 230.

4 is a block diagram for describing in more detail an apparatus for providing an asset management service according to an embodiment of the present invention.

Referring to FIG. 4, an apparatus 500 for providing an asset management service according to an embodiment of the present invention includes a control unit 510, a communication unit 505, a customized investment product management module 520, and a port item-based shared market module 530. ), port item combination generation unit 540, port item theme management unit 550, league operation unit 560, notification management unit 570, asset distribution engine service linkage unit 590, and application and web interface management unit 580 Includes.

First, the communication unit 505 communicates with the engine service providing device 100, the financial server 300, or the user terminal 200, or the engine service providing device 100, the financial server 300, or the user terminal 200 It contains one or more communication modules for communicating with the located network.

Here, the communication unit 505 is a type of wireless or wired connection through a local area network (LAN) and an Internet network, a type connected through a universal serial bus (USB) port, and a mobile communication network such as 3G or 4G. It is possible to connect through a short-range wireless communication method such as NFC (Near Field Communication, RFID (Radio Frequency Identification), Wi-Fi, etc.).

In addition, the communication unit 505 may receive user registration information for asset management and asset distribution service provision from the user terminal 200.

The customized investment product management module 520 may provide a user analysis service to the user registered user terminal 200, provide customized investment product information corresponding to the user analysis information, and provide investment product information determined according to user selection. A transaction management service with the corresponding financial server 300 may be provided. To this end, the customized investment product management module 520 may include a product recommendation module and a transaction management module, respectively.

In addition, the customized investment product management module 520 according to an embodiment of the present invention uses the port item-based shared market module 530 to obtain a portfolio item (hereinafter, also referred to as a port item) from a shared market pre-built on an online network. May be) information, and a product recommendation and transaction management service based on the acquired portfolio item information may be provided.

Port item-based sharing market module 530, server computing, Internet, blockchain. Establish a port item-based sharing market through cloud computing or various online networks, allow portfolio items to be created and traded through the established market, and provide a market interface for item creation or transaction to the user terminal 200 can do.

Here, the portfolio item (port item) may include portfolio model information related to investment assets for providing or driving an asset distribution engine service, as described above, and user identification information (id) corresponding to the creator is matched to Can be pre-registered at

The shared market module 530 includes one or more investment asset-related portfolio items selected in response to user analysis information previously analyzed by the customized investment product management module 520 from the portfolio item market built based on this online network. The portfolio item interface may be provided to the user terminal 200.

Accordingly, the user terminal 200 may receive various port item information through the portfolio item interface, and the user may apply and select a port item suitable for the user.

In addition, the customized investment product management module 520 may process user transaction information registration corresponding to the applied-selected portfolio item, and by providing port item information to the asset allocation engine service linking unit 590, the applied-selected portfolio item It is possible to provide an asset allocation engine service corresponding to

Such portfolio items may be classified into two examples, one may include an investment product data set of a customized portfolio model generated through the engine service providing device 100, and one is a combination portfolio item. I can.

First, a portfolio item including a customized portfolio model may include an initial portfolio model and a user-customized asset allocation model generated based on user analysis information through the asset allocation engine service providing device 100, and the portfolio item Portfolio item creator information shared on the market may be included. This configuration of portfolio item information may be used when a user who directly uses the engine service providing apparatus 100 wants to share or sell his or her user-customized asset allocation model through a market.

Meanwhile, the combined portfolio item may be generated according to the input of the user terminal 200 through the port item combination generation unit 540, and includes a combined portfolio item generated by a combination of a plurality of portfolio items previously registered in the market. can do. The combined portfolio item may include a plurality of portfolio item identification information and weight setting information corresponding to each of the plurality of portfolio item identification information.

The port item combination generation unit 540 may provide a combination interface capable of generating a combination portfolio item to the user terminal 200 as a combination of personalized portfolio items is generated, and to a user input corresponding to the combination interface. Accordingly, a combination type portfolio item is generated, and registration may be requested through the shared market module 530. Accordingly, the user terminal 200 can create a new portfolio item and register it in the market simply by selecting and setting the weight.

More specifically, the portfolio item combination interface may include a portfolio item combination control interface selectable according to a user input from among a plurality of portfolio items registered in the market.

In addition, the combination generator 540 requests an asset allocation engine simulation through the asset allocation engine service linking unit 590 according to the automatic weight setting information, and receives result information from the asset allocation engine service providing device 100, The proportion of investments between items corresponding to portfolio items selected through the portfolio item combination interface may be automatically optimized.

Meanwhile, the combination generator 540 may individually set the investment proportion between items corresponding to the portfolio items selected through the portfolio item combination interface according to the user proportion manual setting input.

In addition, the combination generation unit 540 may request a simulation of the asset allocation engine of the combined portfolio item generated through the portfolio item combination interface to the service linking unit 590, and receive return rate information according to the request result to the user terminal ( 200) can be provided.

Accordingly, the combination generation unit 540 matches the combination-type portfolio item generated through the portfolio item combination interface with user information and transmits it to the shared market module 530, and the shared market module 530 sends the combination-type portfolio item to the market. By registering a portfolio item, it can be processed to be shared or sold to other users.

The shared market module 530 may receive a request for application selection of a registered portfolio item from another user, and may determine whether a purchase is possible by comparing it with a preset purchase availability condition. Purchasable conditions may include various conditions such as whether or not a user has a set amount of funds or more, maximum or minimum assets under management of a portfolio item, an operating period, membership, payment of a usage fee, etc.

In addition, when a portfolio item is available for purchase, the shared market module 530 may provide an automatic trading service for product assets based on the portfolio item through the engine service linking unit 590, and invested according to the automatic trading. When profit of product assets is generated, a compensation service may be provided to the portfolio item creator according to portfolio item profit setting information. Here, the profit setting information may be set according to various conditions, for example, profit conditional compensation ratio information, portfolio item application period conditional compensation information, and the like may be exemplified.

Meanwhile, in providing the portfolio item interface, the shared market module 530 may designate one or more portfolio items as a portfolio item of interest according to a user input. For example, the user terminal 200 may transmit a request for registering a favorite item of a portfolio item or a request for registering a follow item to the asset management service providing device 500, and the shared market module 530 designates a portfolio of interest to You can complete the processing of the search item registration request or the follow item registration request.

Accordingly, the notification management unit 570 may provide a notification service corresponding to an item registered as an interest portfolio. The notification service may include a conditional notification message service corresponding to an interest portfolio item. More specifically, the notification service may include a process of registering notification setting information based on a rate of return corresponding to the interest portfolio item, and providing a notification message to the user terminal according to the notification setting information.

In addition, the notification setting information includes a rising notification setting in which the notification message is transmitted when the rate of return corresponding to the interest portfolio item is increased by a preset rate of return, and a drop notification setting in which the notification message is transmitted when the rate of return is decreased by a preset rate of return. Bars that may include at least one of these will be described in more detail below, for example.

On the other hand, the port item theme management unit 550 classifies and stores the portfolio items of the shared market based on the theme information that can be included as attribute information of the portfolio item, and provides the classified port item list for each theme to the shared market module 530 Thus, the theme-based portfolio item list is processed to be provided to the user terminal 200 through the market interface. Here, the theme information may be directly inserted when the portfolio item is generated in the user terminal 200 or may be individually inserted by generating the theme information according to the portfolio item analysis in the theme management unit 550.

Meanwhile, the league operation unit 560 may provide a ranking service among portfolio items of a plurality of users who have requested league registration according to information on a profit rate or a profit amount for a preset league period. Accordingly, it is possible to increase participation of multiple users in creating portfolio items.

On the other hand, the asset allocation engine service linking unit 590 is, as described above, at the request of the combination generation unit 540, the shared market module 530, or the customized investment product management module 520, the asset allocation engine service providing device ( The management service linking unit 160 of 100) may request the execution of all or part of the asset allocation engine service function, receive the result, and process the response.

More specifically, the service linking unit 590 acquires asset setting information and user customized information corresponding to the portfolio item selected applied by the shared market module 530 or the customized investment product management module 520, and the engine service providing device ( 100), and the engine service providing device 100 generates initial portfolio information by applying the asset setting information to an asset allocation engine based on pre-stored model information, and to the initial portfolio information and the user-customized information. An automatic trading and monitoring service using a customized asset allocation model determined based on the user may be provided to the user terminal 200.

In addition, the service linking unit 590 may request the engine service providing device 100 to provide current asset allocation portfolio model information through the portfolio interface of the user terminal 200, and the current asset allocation portfolio model information When the corresponding change setting information is received from the user terminal, it may be provided to the engine service providing apparatus 100. The engine service providing apparatus 100 generates a change portfolio model based on the change setting information, processes a simulation based on the change portfolio model, and compares real-time simulation result comparison information with the current asset allocation portfolio model to the user terminal ( 200) can be provided.

In addition, the service linking unit 590 may receive a real-time portfolio model change request from the user terminal 200 and transmit it to the engine service providing device 100, and the engine service providing device 100 Based on the change request, the re-application process of the changed portfolio model corresponding to the current account and asset of the user trading registration information may be performed.

The application and web interface management unit 580 generates an application or web API interface for performing an operation function of the asset management service providing device 500 and the asset allocation engine service providing device 100 according to an embodiment of the present invention. It can be provided to the user terminal 200, and related programs can be stored, updated, and managed.

Further, the controller 510 controls the overall operation of each component as described above, and may include one or more microprocessors for this.

And, the database 595, user analysis information, customized investment product information, product recommendation information, transaction management information, port item-based shared market information, combination creation information, theme management information, league management information, notification management information, asset allocation It processes the storage and management of engine service interlocking information, application information, web interface information, and the like, and may include one or more storage media for this.

5 and 6 are flowcharts illustrating a method of operating an asset allocation engine service apparatus according to an embodiment of the present invention, and FIGS. 7 to 8 are a user terminal according to an embodiment of providing an asset allocation engine service of the present invention. These are diagrams for explaining an output service interface.

Hereinafter, a method of providing an asset allocation engine service according to an embodiment of the present invention will be described in more detail with reference to FIGS. 5 to 8.

First, referring to FIG. 5, the user information analysis unit 140 of the asset allocation engine service providing apparatus 100 provides an investment propensity analysis interface to the user terminal 200 (S101 ).

The investment propensity analysis interface includes, for example, user's age information, capital information, financial asset information relative to total assets, investment asset information, investment purpose information, investment period information, annual income information, future income information, investment experience information, investment knowledge level. It may include a user interface for inputting at least one of information and loss response information, and may be input in advance through the user terminal 200.

In addition, such an investment propensity analysis interface may be provided, for example, to derive a converted score according to a user's input of question and answer information, and the user information analysis unit 140 may provide the user's investment propensity information based on the converted score. Can be analyzed.

For example, the user information analysis unit 140 according to an embodiment of the present invention may determine an investor disposition to any one of an aggressive investment type, an active investment type, a risk neutral type, a stability seeking type, or a stable type according to the converted score. .

In addition, the asset allocation engine service providing apparatus 100 may generate a house view of the ratio of safe assets to risky assets corresponding to the analyzed investment propensity and provide them to the user terminal 200 (S103), and the item setting information management unit ( 130) processes the setting of a risk asset based on the House View and a product asset group within the risky asset (S105), and then processes setting a safety asset group based on the House View (S107).

The asset allocation engine service providing apparatus 100 according to an embodiment of the present invention provides an item setting house view corresponding to the analyzed user investment tendency through the user terminal 200, but provides setting information processing according to the user setting. can do.

To this end, the item setting information management unit 130 determines the ratio of safe assets to risky assets first according to the user setting, and the ratio information according to any one of an attack investment type, an active investment type, a risk neutral type, a stability seeking type, or a stable type. Can be determined as For example, the ratio of safe assets to risky assets can be 3:7 for stable type, 4:6 for stability seeking type, 5:5 for risk neutral type, 6:4 for active investment type, and 7:3 for aggressive investment type. have.

In addition, the item setting information management unit 130 may receive dangerous asset group setting information through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping it into a house view type group provided by a securities company, and a stock group selected according to a user input may be reflected in the risk asset group ratio.

In addition, the item setting information management unit 130 may receive product asset group setting information in the risk asset group through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping into a house view type group provided by a securities company, and a stock group selected according to a user input may be reflected in the ratio of the product asset group within the risky asset. .

In addition, the item setting information management unit 130 may receive safety asset group setting information through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping into a house view type group provided by a securities company, and a stock group selected according to a user input may be reflected in the ratio of the safe asset group.

Accordingly, the item setting information management unit 130 may provide a setting confirmation interface, and the selected item setting information according to a user selection may be provided to the asset allocation engine management unit 120 and the simulation processing unit 150.

Thereafter, the asset allocation engine management unit 120 applies the setting result information to the asset allocation engine model to generate an initial portfolio including an optimal investment ratio (S109).

Accordingly, the generated initial portfolio may be provided through the global portfolio interface of the user terminal 200. The asset allocation engine service providing apparatus 100 may provide an optimal investment ratio according to an initial portfolio, a customized asset addition function, and past performance simulation information through a global portfolio interface (S111).

For example, as shown in FIG. 7, the user terminal 200 according to an embodiment of the present invention may provide initial portfolio information received from the apparatus 100 for providing an asset allocation engine service through a portfolio interface.

In particular, the portfolio interface provided by the user terminal 200 may include asset allocation ratio determination method selection information, asset and item ratio information, and past performance simulation information, and an optimal investment ratio interface 211 corresponding to the portfolio, customized assets An additional interface 213 may be included.

The optimal investment ratio interface 211 may display allocation information corresponding to an initial portfolio or a user-customized asset allocation model portfolio according to customer customization, and the initial portfolio according to the user's input to the customer-customized asset addition interface 213 User-customized item setting information corresponding to the portfolio may be transmitted to the asset allocation engine service providing apparatus 100.

In addition, for example, an item search interface for determining user-customized item setting information may be provided through the user terminal 200, and the user may determine and input user-customized item setting information.

For example, the item search interface may be provided in the form of a pop-up window, and the item that the user wants to be additionally reflected in the asset allocation model through the item search interface, or held by the user in the user account of the financial server 300 You can receive information on the stock you are playing.

Accordingly, the asset allocation engine management unit 120 updates and creates a user-customized asset allocation model portfolio in which the ratio is recalculated by reflecting the item information of the user-customized information, and creates the updated model portfolio through the optimal investment ratio interface 211. Can provide.

That is, the asset allocation engine service providing device 100 provides a user-customized asset allocation model generation through the asset allocation engine management unit 120 and real-time simulation processing through the simulation processing unit 150 (S113), and the result information is sent to the user terminal. It can be provided as 200.

For example, as shown in FIG. 7, the asset allocation engine service providing apparatus 100 may simulate a past performance corresponding to an initial portfolio model or a currently determined model through the simulation interface 212 of the user terminal 200. Simulation information of the simulation processing unit 150 according to the simulation of the portfolio may be provided, and the simulation information may include, for example, annual average expected return, annual variability, maximum fall or SAFE ratio information. In addition, since the simulation information may output difference information compared to the previous model, the user may compare and determine whether to change the current model and the previous model according to the custom asset addition input.

In addition, the simulation processing unit 150 according to an embodiment of the present invention may receive conditional setting information based on a current asset, process an individual simulation, and output the result. For example, the simulation processing unit 150 may process individual simulations according to input of an asset required to be maintained for each item, a minimum value, or a weight.

In addition, the simulation processing unit 150 performs modified simulation processing by applying tuning information corresponding to the standard model, smart beta ETF configuration information, category setting information, etc., according to the user-customized model generated by the asset allocation engine management unit 120. It can perform and provide a granular result output.

FIG. 8 is a diagram illustrating the output of the finally determined user-customized asset allocation model portfolio interface through the user terminal 200, and trading registration may be processed according to an automatic order button input of the interface.

Accordingly, the asset allocation engine service providing device 100 may provide an automatic trading service based on a customized asset allocation model according to the trading registration through the trading processing unit 170 (S115), and the current asset according to the automatic trading service Allocation portfolio monitoring can be provided (S117).

When the final determined user-customized asset allocation model is determined, the trading processing unit 170 may perform automated trading processing for each item in accordance with the preset user-customized asset allocation model, and the process information according to this may refer to the current asset allocation portfolio monitoring interface. Can be output through.

Meanwhile, the apparatus 100 for providing an asset allocation engine service according to an embodiment of the present invention can provide a real-time model portfolio change and a real-time simulation process during such monitoring, which will be described again with reference to FIG. 6.

Referring to FIG. 6, the apparatus 100 for providing an asset allocation engine service first outputs a current asset allocation model through a portfolio interface of the user terminal 200 (S201).

The current asset allocation model information may be output in the form of monitoring as shown in FIG. 8 above. However, the user may receive user change setting information input through the monitoring interface. For example, the user may add more customized assets or additionally input change setting information to exclude a specific item.

Then, the asset allocation engine service providing apparatus 100 generates a change portfolio according to the user change setting information input (S203).

The asset allocation engine management unit 120 may change and update the current portfolio model from the user change setting information, and thus generate a change portfolio model. The generated change portfolio model information may be provided again through the portfolio interface as shown in FIG. 7 above.

Then, when a change portfolio is generated, the simulation processing unit 150 provides a comparison of real-time simulation results with the previous portfolio model based on the change portfolio (S205).

Accordingly, the user can easily determine whether or not to change by checking the comparison of the real-time simulation results with the previous portfolio model.

And, according to the user change request input to the user terminal 200, the asset allocation engine service providing apparatus 100 performs re-application processing of the change portfolio for the current account and asset (S207), and the trading processing unit 170 Performs automatic trading processing according to the reapplied portfolio (S209).

Here, the asset allocation engine service providing device 100 handles the reapplication of the portfolio for the current account and assets without adding additional account information, thereby solving the inconvenience and time required by opening a new account and connecting a new model. I can.

That is, the existing asset allocation service requires processing such as opening a new account or adding account information in order to change or reapply a model, which causes inconvenience. As a result, asset allocation according to an embodiment of the present invention The engine service providing apparatus 100 enables generation of a change portfolio, model simulation, and reapply processing in real time, and supports creation and change of a customized model according to user intervention, thereby greatly reducing existing inconveniences.

In addition, such a customized asset distribution portfolio model for each user can be market shared or traded through the asset management service providing device 500 according to an embodiment of the present invention. For this purpose, the asset allocation engine service providing device 100 May match and manage each user information and a customized asset distribution portfolio through the database management unit 180, and configure the generated model information as portfolio item information, and the shared market module 530 of the asset management service providing device 500 Can be delivered to.

9 is a flowchart illustrating a method of providing an asset management service according to an embodiment of the present invention, and FIGS. 10 to 16 are an asset management service interface output from a user terminal according to the provision of an asset management service according to an embodiment of the present invention. These are drawings for explaining them.

Referring to the flowchart of FIG. 9 and the interface of FIGS. 10 to 16, first, the apparatus 500 for providing an asset management service according to an embodiment of the present invention includes a user terminal 200 through an application and web interface management unit 580. Provides an application installation of, and performs user information registration processing through the customized investment product management module 520 (S301).

As illustrated in FIG. 10, by driving an application according to an embodiment of the present invention, a user information registration interface including a menu for inputting new account information and new challenge information may be output from the user terminal 200.

In addition, the asset management service providing device 500 provides a user challenge input interface through an application provided to the user terminal 200 (S303), and the customized investment product management module 520 is a challenge input from the user terminal 200. Challenge analysis information corresponding to the information is obtained, and customized port item information corresponding to the obtained challenge analysis information is obtained from the sharing market module 530 and provided to the user terminal 200 (S305).

More specifically, as shown in FIG. 11(A), the challenge information may include challenge target information, and the user can prepare a house, purchase a car, and deteriorate the target information set in advance through the interface of the user terminal 200. You can choose from preparation, your child's college tuition, or you can directly enter goal information. In addition, as illustrated in FIG. 11B, the challenge information may include detailed information, and the detailed information may further include target amount information and target achievement period information.

As such, the challenge information may include question and answer information for analyzing user investment propensity and target, and when challenge analysis information based on the analysis of the question and answer information is obtained, the customized investment product management module 520 matches the port item The (portfolio item) may be indexed from the shared market module 530 and provided to the user terminal 200.

More specifically, as shown in FIGS. 12 and 13, challenge information according to user information registration may be output from the user terminal 200, and the asset management service providing device 500 recommends corresponding to the challenge analysis information. Port item product information may be provided to the user terminal 200.

12 shows that challenge analysis information corresponding to the challenger information is provided to the user terminal 200. Referring to FIG. 12, as challenge analysis information corresponding to the item of preparing charter funds for 5 years registered as challenge information, information on a necessary investment amount required to achieve a goal and information on a deposit basis investment period may be included, and port item recommendation information The comparison information with may be output on the interface of the user terminal 200. For example, as shown in FIG. 12, 38.5% of the profit rate of the port item'premium pension preparation plan', and the saving amount compared to the deposit according to application of the port item and saving period information may be output together.

In FIG. 13, as a recommended portfolio item product corresponding to the item for preparing chartered funds for 5 years registered as challenge information, the product information of the recommended portfolio item entitled'Let's make a stable profit without anxiety' at the bottom is shown. have. As shown in FIG. 13, the recommended portfolio item product information may include at least one of product description information, yield information, and minimum investment amount information.

In addition, the asset management service providing device 500 registers the port item selected applied by the user terminal 200 as a user port item through the customized investment product management module 520 (S307), and analyzes the registered port item and challenge. An asset management service based on information is executed (S309).

The asset management service providing device 500 may provide an asset distribution engine service corresponding to a port item through the customized investment product management module 520 and the service linking unit 590 according to the execution of the asset management service, The return rate notification and monitoring service may be provided (S311).

More specifically, FIG. 15 shows an interface screen of the user terminal 200 when the user applies and selects the'premium pension preparation plan' port item. As shown in FIG. 15, the asset management service providing device 500 may provide a portfolio item-based asset allocation engine service according to the execution of the asset management service, and the user terminal 200 corresponds to the selected portfolio item applied by challenge. Operation start date information, expected end date information, current rate information, and current stage rate information may be output.

Meanwhile, FIGS. 15 and 16 illustrate in more detail the recommended port item product information indexed by the product recommendation module of the customized investment product management module 520, and the asset management service providing device 500 analyzes the user's challenge. Based on the user analysis information according to, portfolio item information that matches the investment tendency and a certain ratio or more may be indexed in the shared market, and the indexed port item product information may be provided to the user terminal 200. As shown in FIG. 15, the investment propensity information may be classified according to reference information of profitability, stability, and popularity, and match rate information corresponding to the classified reference information may be output through an interface of the user terminal 200.

In addition, referring to FIGS. 16A and 16B, a maximum asset management scale may be additionally set as setting information for a portfolio item according to an embodiment of the present invention. Accordingly, the customized investment product management module 520 of the asset management service providing device 500 corresponds to a port item that is close to the maximum asset size within a predetermined amount among the port items recommended to the user, as shown in FIG. 16(A). An imminent deadline information message may be provided to the user terminal 200. In the case of a closed item, the customized investment product management module 520 may provide a message indicating that the previous customized port item is sold out to the user terminal 200 as shown in FIG. 16B. Since the customized port item recommendation may be provided at regular intervals, information on the remaining time until the next recommendation may be output together on the interface of the user terminal 200 as shown in FIG. 16B.

17 is a flowchart illustrating an operation of a shared market service of an asset management service providing apparatus according to an embodiment of the present invention, and FIGS. 18 to 24 are provided to a user terminal by a shared market service according to an embodiment of the present invention. These are drawings for explaining the asset management service interfaces.

First, in the user terminal 200, the port item-based shared market service is executed according to the installation and operation of the application (S401).

And, according to the request for the shared market service from the user terminal 200, the asset management service providing device 500 obtains a list of port items of other users shared through the market through the shared market module 530 (S403). , A port item information interface based on the port item list is provided to the user terminal 200 (S405).

Referring to FIG. 18, the port item list may be processed and output in various forms through the user terminal 200, for example, port item ranking based on profit rate, port items that are about to be closed, new port items, theme classification, etc. Can be.

And, as illustrated in FIG. 19, when a user selects a specific port item, basic information of the port item may be output through the port item information interface. Referring to FIG. 19, the port item information interface may include port item name, period-specific rate of return information, and evaluation information, and the user terminal 200 is provided with an investment menu along with a detailed information view menu, so that the user can You can prompt to enter the selection application immediately.

Meanwhile, as shown in FIG. 20, the port item list may be classified according to preset theme classification information, and a port item list for each theme may be output through the user terminal 200. As shown in FIG. 20, port items may be applied in combination according to a preset theme, and an overall rate of return according to the combination may be calculated. Accordingly, the theme port item may be a combined port item generated by the theme management unit 550 according to a predetermined theme keyword information matching, a port item for each theme is generated, and a total profit rate may be individually calculated and managed.

FIG. 20(A) shows the ranking of the total profit rate of port items according to the combination of a predetermined number of themed products, and FIG. 20(B) shows that the port items of the theme product combination according to the user selection are output as a list.

As shown in FIG. 21, detailed information may be output when the user selects a specific theme. FIG. 21(A) shows information on the management entity corresponding to the theme port item, information on the rate of return, information on the minimum investment amount, and the theme. It is shown that description information, related article information, and product propensity information are provided to the user terminal 200, and FIG. 21(B) shows that the investment asset ratio information and investment item list information are provided to the user terminal 200. have. Accordingly, the user terminal 200 may receive a user input such as investment of a theme combination type port item, follow, or register a port item of interest, and request a process corresponding thereto to the asset management service providing apparatus 500.

Meanwhile, the asset management service providing apparatus 500 provides an asset allocation engine service corresponding to one or more port items according to a user application selection input (S407).

Here, when the port item of interest is set through the notification management unit 570, the asset management service providing device 500 may provide a notification service corresponding to the port item of interest (S409), and further, the current application according to the user setting A rebalancing notification service corresponding to the port item may be provided (S411).

More specifically, as illustrated in FIG. 22, when the user sets the port item of interest, the user terminal 200 may provide a follow setting and notification setting function through the port item of interest interface.

The asset management service providing device 500 can process the creation of a notification message according to the port item monitoring and provision to the user terminal 200 through the notification management unit 570, but the notification setting information for this is the port item being applied. A rebalancing notification corresponding to or a follow notification setting corresponding to a port item of interest may be included.

In particular, as illustrated in FIG. 23, the notification setting information may include a rising notification setting in which the notification message is transmitted when a rate of return corresponding to the interest portfolio item is increased by a preset rate of return. In addition, the notification setting information may include at least one of a drop notification setting in which the notification message is transmitted when the rate of return is decreased by a predetermined rate.

23 illustrates that each rising notification setting and falling notification setting are set. By setting a specific rising notification return and a falling notification return, the user can check the trend of a port item of interest as a notification message even without monitoring each time.

Meanwhile, FIG. 24 shows a current asset analysis interface according to the provision of an asset allocation engine service. Referring to FIG. 24, according to the application of a port item, the asset management service providing device 500 may request the asset allocation engine service providing device 100 to provide an asset allocation engine service, and a user interface according to this 200) can be provided. The asset distribution service provided as described above may be monitored through the current asset analysis interface of the user terminal 200, and according to a subsequent user input or request, according to simulation and monitoring in the form of FIG. 7 or 8 described above. An automatic trading process may be performed, and as a result, information may be provided to the user terminal 200.

25 is a flowchart illustrating a portfolio item generation process of an apparatus for providing an asset management service according to an embodiment of the present invention, and FIGS. 26 to 32 are output from a user terminal by a portfolio item generation process according to an embodiment of the present invention. These are drawings for explaining the asset management service interfaces.

Referring to FIG. 25, when the port item-based combination service module is executed in the user terminal 200 (S501), the asset management service providing apparatus 500 generates a list of port items to be combined previously set through the combination generation unit 540. Acquired and provided to the user terminal 200 (S305).

Then, a port item combination interface based on user selection is provided through the user terminal 200 (S505).

26 shows a port item creation interface, in which the port item may be generated according to user analysis and custom setting information through the asset allocation engine service providing device 100, or may be generated in combination. In this embodiment, the user's selection The process of creating a combinational port item that is easy to create according to the following will be mainly described. Also, as shown in FIG. 26, a request for league registration corresponding to the generated item is possible, which will be described later in FIG. 33.

The user may select one or more port items to be combined from among port items previously shared through the market through the port item combination interface.

Referring to FIG. 27, a user may check the rate of return of one or more port items, and set combination information. For example, the port items may include basic type, bond type, allocation type, and theme type port items, and a user may select a specific number of port items in combination to configure a new port item. In addition, since the user terminal 200 may select the combinational port items generated by other users as targets for combination, another combinational port item composed of combinational port items may be generated.

And, referring to FIG. 28, a detailed setting of a port item to be combined is possible, and the detailed setting may include, for example, minimum investment amount information, maximum operation size information, and investment type information, and the port item weight setting information is Can be included.

Here, the user terminal 200 determines whether to automatically optimize the combination weight of the port items selected for combination (S507).

Referring to FIG. 28, when the port item automatic weight setting menu is input, automatic optimization may be selected, and the user terminal 200 transmits an optimization request to the asset management service providing device 500, and provides an asset management service. The apparatus 500 performs a process of optimizing the weight of the combination of port items by driving the engine service simulation through the service linking unit 590 (S509).

On the other hand, when the port item manual weight setting menu is input in FIG. 28, when automatic optimization is not selected, the user terminal 200 determines an individual combination weight according to the user input (S509).

FIG. 29 shows a manual weight setting interface for determining an individual combination weight, and the user terminal 200 may output a manual weight setting interface for individually inputting a combined weight for each port item. For example, as illustrated in FIG. 29, a port item to be combined may be treated as a single dish, and the specific gravity of each ingredient (port item) may be displayed and input as the number of spoons. Therefore, it is possible to create and share very easy products without additional difficult investment explanations or concepts.

Meanwhile, as shown in FIG. 30, when there is a request from the user terminal 200 according to an input of an individual combination weight, the asset management service providing device 500 displays the engine service simulation driving result through the service linking unit 590. It can be provided as an individual response, to help users predict portfolio returns.

And, when the combination ratio is determined, the user terminal 200 outputs the completed port item information, receives detailed information (operation period, amount, name, description, etc.) (S511), and the asset management service providing device 500 In step S513, the completed port item is matched with user information and uploaded to the sharing market (S513).

FIG. 31 shows a port item completion screen, and as shown in FIG. 31, information on a port item to be combined, information on an investment amount, and information on a currently calculated cumulative rate of return are transmitted through the user terminal 200. Can be output.

In addition, FIG. 32 shows detailed information of the port item shared by the market through the shared market module 530, and other users can check the characteristics and creator information of the current combination port item through the description of the combination of port items in the detailed information. And you can check the purpose, rate of return, and investment amount information.

Thereafter, the asset management service providing device 500 provides a compensation service according to the use of other users of the completed port item through the shared market module 530 (S515). Here, the compensation service may include revenue distribution and payment of usage fees.

33 is a flowchart illustrating a portfolio item-based league progress process according to an embodiment of the present invention.

Referring to FIG. 33, the asset management service providing apparatus 500 receives a league registration request corresponding to the port item through the league management unit 560 (S401).

Here, it may be desirable that the port items that can be registered in the league are limited to new port items created by individual users.

In addition, the league operation unit 560 provides a port item ranking service based on the profit rate and profit amount information during the league period (S403), and provides a ranking compensation service to the league participants who recorded within a certain ranking (S405).

According to such league service operation, the asset management service providing device 500 may increase user participation, and thus, may help to share and service various portfolio items according to an embodiment of the present invention through a market.

The above-described method according to the present invention may be produced as a program for execution in a computer and stored in a computer-readable recording medium. Examples of computer-readable recording media include ROM, RAM, CD-ROM, and magnetic tape. , Floppy disks, and optical data storage devices.

The computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes and code segments for implementing the method can be easily deduced by programmers in the art to which the present invention belongs.

In addition, although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. In addition, various modifications can be implemented by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (21)

In the method of providing an asset management service of a service providing device,
Acquiring user analysis information based on user input information input to the user terminal;
Providing a portfolio item interface including one or more portfolio items related to investment assets selected in response to the user analysis information from a portfolio item market built based on an online network; And
In accordance with a user input corresponding to the portfolio item interface, providing an asset allocation engine service corresponding to the applied selected portfolio item
How to provide asset management services. The method of claim 1,
The above portfolio items are:
Including an investment product data set of a customized portfolio model generated according to user analysis information of a portfolio item creator who shared the portfolio item with the market
How to provide asset management services. The method of claim 1,
The above portfolio items are:
Including a combination type portfolio item generated by a combination of a plurality of portfolio items registered in the market
How to provide asset management services. The method of claim 3,
The combination portfolio item,
Includes a plurality of portfolio item identification information and weight setting information corresponding to each of the plurality of portfolio item identification information
How to provide asset management services. The method of claim 1,
The asset allocation engine service above
Including an automatic trading service of commodity assets based on the portfolio item,
When the profit of the invested product asset is generated according to the automatic trading, further comprising providing a compensation service to the portfolio item creator according to portfolio item setting information
How to provide asset management services. The method of claim 1,
Providing the portfolio item interface,
Registering one or more portfolio items as interest portfolio items according to a user input; And
Including the step of providing a notification service corresponding to the portfolio item of interest
How to provide asset management services. The method of claim 6,
Providing the notification service,
Registering notification setting information based on a rate of return corresponding to the portfolio item of interest; And
Providing a notification message to the user terminal according to the notification setting information.
How to provide asset management services. The method of claim 7,
The notification setting information,
Including at least one of a rising notification setting in which the notification message is transmitted when the rate of return corresponding to the interest portfolio item is increased by a preset rate of return, and a drop notification setting in which the notification message is transmitted when the rate of return is decreased
How to provide asset management services. The method of claim 1,
Providing a portfolio item combination interface for creating a combination of personalized portfolio items by using portfolio items registered in the market to the user terminal
How to provide asset management services. The method of claim 9,
The portfolio item combination interface,
Including a portfolio item combination control interface selectable according to a user input from among a plurality of portfolio items registered in the market
How to provide asset management services. The method of claim 9,
According to the asset allocation engine simulation, the step of automatically optimizing and setting an investment ratio between items corresponding to portfolio items selected through the portfolio item combination interface.
How to provide asset management services. The method of claim 9,
According to the user weight setting input, the step of individually setting the investment weight between items corresponding to the portfolio items selected through the portfolio item combination interface
How to provide asset management services. The method of claim 9,
Further comprising the step of providing yield information according to the asset allocation engine simulation of the combined portfolio item generated through the portfolio item combination interface to the user terminal
How to provide asset management services. The method of claim 9,
Matching the combination-type portfolio item generated through the portfolio item combination interface with user information and registering it in the market
How to provide asset management services. The method of claim 1,
Providing a ranking service among portfolio items of a plurality of users requested for league registration according to the profit rate or profit amount information during a preset league period.
How to provide asset management services. The method of claim 1,
Providing the asset allocation engine service,
Acquiring asset setting information and user customized information corresponding to the applied-selected portfolio item;
Automatic trading and monitoring service by applying the asset setting information to an asset allocation engine based on pre-stored model information to generate initial portfolio information, and using a user-customized asset allocation model determined based on the initial portfolio information and the user-customized information Comprising the step of providing to the user terminal
How to provide asset management services. The method of claim 16,
Providing the monitoring service,
Providing current asset allocation portfolio model information through a portfolio interface of the user terminal;
Receiving change setting information corresponding to the current asset allocation portfolio model information from the user terminal;
Generating a change portfolio model based on the change setting information;
Comprising the step of processing the simulation based on the changed portfolio model, and providing real-time simulation result comparison information with the current asset allocation portfolio model to the user terminal
How to provide asset management services. The method of claim 17,
Receiving a real-time portfolio model change request from the user terminal; And
Based on the real-time portfolio model change request, further comprising the step of performing re-application processing of the changed portfolio model corresponding to the current account and assets of the user trading registration information
How to provide asset management services. In the asset management service providing device,
An investment product management module that obtains user analysis information based on user input information input to a user terminal and provides investment product management based on the obtained user analysis information;
A port item-based sharing market module that provides a portfolio item interface including one or more investment asset related portfolio items selected in response to the user analysis information from a portfolio item market built based on an online network; And
In accordance with a user input corresponding to the portfolio item interface, including an asset allocation engine service linking unit that provides an asset allocation engine service corresponding to the applied selected portfolio item
Device for providing asset management services. The method of claim 19,
The above portfolio items are:
Including user-customized asset allocation model information generated by the portfolio item creator,
The asset allocation engine service includes an automatic trading and monitoring service using user-customized asset allocation model information corresponding to the portfolio item.
Device for providing asset management services. The method of claim 20,
The automatic trading and monitoring service provides current asset allocation portfolio model information through a portfolio interface of the user terminal, and receives change setting information corresponding to the current asset allocation portfolio model information from the user terminal, and the change setting Create a change portfolio model based on information, process a simulation based on the change portfolio model, provide real-time simulation result comparison information with the current asset allocation portfolio model to the user terminal, and change the portfolio model in real time from the user terminal Upon receiving the request, based on the real-time portfolio model change request, comprising a process of performing re-application processing of the change portfolio model corresponding to the current account and assets of the user trading registration information
Device for providing asset management services.

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