TWM638596U - Financial management game interactive device - Google Patents

Abstract

An interactive device includes a storage, a communication interface, and a processor. The processor is coupled to the storage and the communication interface. The interactive device is configured to receive a first category data and a first subcategory data. The interactive device is further configured to raise a first category parameter and a first subcategory parameter correspondingly according to the first category data and the first subcategory data. The interactive device is further configured to adjust a risk parameter according to a first financial product category corresponding to the first category data and a first financial product subcategory corresponding to the first subcategory data. The interactive device is further configured to generate a financial product suggestion data according to the risk parameter, a plurality of category parameters, and a plurality of subcategory parameters.

Description

Gamified financial management interactive device

This disclosure is related to an interactive device, in particular to a gamified wealth management interactive device that analyzes users' preferences for financial products.

With the rise of commodity prices and housing prices, the demand for financial management has also increased. However, in the face of various financial products, the public may not have enough understanding of them, so they easily believe in information from unknown sources, resulting in a mass effect, which is not suitable for investment. Commodities with their own risk attributes.

In view of this, how to provide a technology that allows users to understand their own risk attributes and tolerance through interactive devices is an urgent goal in the industry.

In order to solve the above problems, the present disclosure proposes an interactive device including a storage, a communication interface and a processor. The storage is used for storing a risk parameter corresponding to a user, a plurality of category parameters and a plurality of subcategory parameters. The risk parameters are used to indicate the user's financial risk tolerance; each of the category parameters corresponds to a financial commodity category, and each of the category parameters is used to indicate the user's tolerance for the corresponding financial commodity category a degree of preference; and each of the subcategory parameters corresponds to a financial commodity subcategory, and each of the subcategory parameters is used to indicate the preference degree of the user for the corresponding financial commodity subcategory. The communication interface communicates with a terminal device. The processor is coupled to the storage and the communication interface, and is used to perform the following operations: receive a first type of data, wherein the first type of data corresponds to one of the first financial product types among the financial product types; according to the first A category of data, increasing one of the first category parameters corresponding to the category parameters of the first category of data, and adjusting the risk parameter according to the first financial product category corresponding to the first category of data; receiving a first Subcategory information, wherein the first subcategory information corresponds to one of the financial commodity subcategories, the first financial commodity subcategory; according to the first subcategory data, the subcategory corresponding to the first subcategory data is raised one of the first subcategory parameters, and adjust the risk parameter according to the first financial product subcategory corresponding to the first subcategory data; and according to the risk parameter, the category parameters and the subcategory parameters, A financial commodity suggestion data is generated.

In order to make the description of the present disclosure more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below, and the same numbers in the drawings represent the same or similar elements.

Please refer to FIG. 1 , which is a schematic diagram of an interactive device 100 in some embodiments of the present disclosure. The interactive device 100 includes a storage 120 , a processor 140 and a communication interface 160 , wherein the processor 140 is coupled to the storage 120 and the communication interface 160 respectively.

The storage 120 is used for storing a risk parameter corresponding to a user, a plurality of category parameters and a plurality of subcategory parameters. The risk parameter is used to indicate the degree of financial risk tolerance of one of the users. Each of the category parameters corresponds to a financial commodity category, and each of the category parameters is used to indicate the user's degree of preference for the corresponding financial commodity category. Each of the subcategory parameters corresponds to a financial commodity subcategory, and each of the subcategory parameters is used to indicate the user's degree of preference for the corresponding financial commodity subcategory.

In one embodiment, the higher the value of the risk parameter, the higher the financial risk the user can bear, that is, it is suitable to recommend the investment target of the user with a large fluctuation range and a large rate of return; on the contrary , the lower the risk parameter, it means that the user tends to invest in financial products with lower risk, that is, it is suitable to recommend the investment targets with smaller fluctuations in ups and downs and smaller changes in the rate of return for the user. In one embodiment, the risk parameter is generated based on the basic information of the user. Specifically, the interactive device 100 may generate the risk parameter based on the user's age, gender, occupation and/or other attribute data. the risk parameter.

In one embodiment, the category parameters include a stock category parameter corresponding to the user's stock preference level; a bond category parameter corresponding to the user's bond preference level; and a fund category parameter corresponding to the user's One of them is the degree of fund preference. The higher the value of these category parameters, the greater the user's preference for the corresponding financial product category.

In one embodiment, the subcategory parameters include a public bond subcategory parameter corresponding to a user's preference for public bonds; a non-investment grade bond subcategory parameter corresponding to a user's preference for non-investment grade bonds; And the subcategory parameter of emerging market dollar bonds, which corresponds to the degree of preference of one of the users for emerging market dollar bonds. The higher the value of the subcategory parameters, the greater the user's preference for the corresponding financial product subcategory.

In some embodiments, the storage 120 may include semiconductor or solid-state memory, magnetic tape, removable computer disk, random access memory (random access memory, RAM), read-only memory (read-only memory, ROM) ), hard disk and/or CD.

In some embodiments, the processor 140 may include a central processing unit (central processing unit, CPU), multiple processors, a distributed processing system, an application specific integrated circuit (application specific integrated circuit, ASIC) and/or suitable computing unit.

The communication interface 160 is used to enable the interactive device 100 to receive and transmit data to other devices. In some embodiments, the communication interface 160 may include a wireless communication interface such as BLUETOOTH, WIFI, WIMAX, GPRS or WCDMA; or a wired communication interface such as Ethernet, USB or IEEE-1364.

In some embodiments, as shown in FIG. 1 and FIG. 2 , the interactive device 100 can communicate with the terminal device 200 through the communication interface 160 , and the terminal device 200 includes a user interface 220 . The terminal device 200 is used for providing an interactive screen through the user interface 220 to provide the user operation.

In some embodiments, depending on the scale and requirements of the interactive device 100 in actual operation, the interactive device 100 can communicate with a plurality of terminal devices at the same time, and perform the same operation on each of these terminal devices as corresponding to the terminal device 200 .

It should be noted that this application does not limit the number of terminal devices having a communication connection with the interactive device 100, and FIG. 2 is only for illustration rather than limiting the scope of this application.

For example, the terminal device 200 displays an interactive game screen through the user interface 220 through a game application program.

First, the user interface 220 provides a basic data input page, the user can input a plurality of basic data on the basic data input page, such as: gender, year of birth, education, occupation, annual income and/or other relevant The information of the author. Further, these basic data are transmitted from the terminal device 200 to the interactive device 100 . In an embodiment, the interactive device 100 generates the risk parameter, the category parameters and the subcategory parameters through the basic data.

Next, the user interface 220 provides a country selection page, the country selection page includes a plurality of country options, each of the country options corresponds to a financial product category and one of the category parameters.

In one embodiment, the country options include a stock country, corresponding to a stock category and the stock category parameters; a bond country, corresponding to a stock category and the bond category parameters; and a fund country, corresponding to a fund category and the Fund category parameter.

Correspondingly, when the user selects one of the first country options among the country options, the terminal device 200 sends a first category data corresponding to the first country option to the interactive device 100, and the processor 140 of the interactive device 100 Then adjust one of the first category parameters of the category parameters corresponding to the first category data, and adjust the risk parameter according to the first financial product category corresponding to the first category data.

In one embodiment, when the user selects the bond country on the user interface 220, the terminal device 200 sends the first type of data corresponding to the bond country to the interactive device 100, and the processor 140 of the interactive device 100 receives the second After one type of data, the parameter of the bond type corresponding to the first type of data is increased to indicate that the user's preference for the bond has increased. The processor 140 also adjusts the risk parameter according to the bond category corresponding to the first category data, specifically, adjusts the risk parameter according to a risk attribute of the bond category.

Next, the user interface 220 provides a department selection page, and the department selection page includes a plurality of department options, each of which corresponds to a financial product subcategory and one of the subcategory parameters. Wherein, each of the financial commodity subcategories corresponds to one of the financial commodity categories.

In one embodiment, the sector options include a public bond sector, corresponding to a public bond subcategory and parameters of the public bond subcategory; a non-investment grade bond sector, corresponding to a non-investment grade bond subcategory and the non-investment grade bond subcategory parameters ; and an emerging market dollar bond sector, corresponding to an emerging market dollar bond subcategory and parameters of the emerging market dollar bond subcategory.

Correspondingly, when the user selects the first department option among the department options, the terminal device 200 sends a first subcategory data corresponding to the first department option to the interactive device 100, and the processor of the interactive device 100 140 adjusts one of the first subcategory parameters of the subcategory parameters corresponding to the first subcategory data, and adjusts the risk parameter according to a first financial commodity subcategory corresponding to the first subcategory data. In another embodiment, the interactive device 100 randomly selects one of the department options as the first department option.

In one embodiment, the sector options correspond to the first country option, and the financial commodity subcategories corresponding to the sector options (that is, including the first financial commodity subcategory) correspond to the first financial commodity category .

In one embodiment, when the user selects the public debt department on the user interface 220, the terminal device 200 sends the first subcategory data corresponding to the public debt department to the interactive device 100, and the processor 140 of the interactive device 100 receives the data. After the first subcategory data, the parameter of the public bond subcategory corresponding to the first subcategory data is increased to indicate that the user's preference for the public bond has increased. The processor 140 also adjusts the risk parameter according to the public bond subcategory corresponding to the first subcategory data, specifically, adjusts the risk parameter according to the risk attribute corresponding to the public bond subcategory.

Then, the processor 140 generates a financial product recommendation data according to the risk parameter, the category parameters and the subcategory parameters. The financial product recommendation data includes at least one financial product information, and is used to provide the user with information on at least one financial product according to a risk attribute corresponding to the user. Further, the interactive device 100 transmits the financial commodity suggestion data to the terminal device 200 .

For example, the financial product recommendation data includes information on a financial product category corresponding to the largest category parameter among the category parameters, and the financial product category information corresponding to the largest subcategory parameter among the subcategory parameters. Information on a financial product subcategory, and information on financial investment advice for a risk level corresponding to the risk parameter.

After the user selects the first department option, the interactive device 100 transmits a first department introduction guide to the terminal device 200. The first department introduction guide corresponds to the first department option and includes one of the corresponding financial commodity subcategories. Product desciption. In one embodiment, the terminal device 200 provides a management game through the user interface 220, and the user can manage a corresponding department according to the first department option. Wherein, the terminal device 200 transmits at least one performance score in the operation process to the interactive device 100, and the interactive device 100 adjusts the risk parameter, the first category parameter and the first subcategory parameter according to the at least one performance score.

In some embodiments, the processor 140 of the interactive device 100 transmits a first event data and a plurality of option data to the terminal device 200 from time to time, wherein the option data is a plurality of response options corresponding to the first event data, And each of the option data corresponds to a parameter adjustment value.

In one embodiment, the first event data is situational information of a special infectious disease raging around the world and affecting financial markets, and the option data includes an option to expand sector size, an option to reduce sector size, and an option to maintain the original sector size, respectively Indicates that the user will adopt an increase strategy, a decrease strategy and a position holding strategy for a financial product corresponding to the department option in response to the context information.

Next, the processor 140 receives the first option data of one of the option data, wherein the first option data is selected by the user through the user interface 220, and the terminal device 200 sends the first option data to the interactive device 100 . Thereafter, the processor 140 adjusts the risk parameter, the category parameters and the subcategory parameters according to a first parameter adjustment value corresponding to the first option data. For example: in the above-mentioned embodiment, when the user selects the option of expanding the department size, the processor 140 increases the risk parameter, the category parameters and the subcategories according to the parameter adjustment value corresponding to the option of expanding the department size parameter.

In some embodiments, the processor 140 of the interactive device 100 transmits a second event data to the terminal device 200 irregularly. Correspondingly, the terminal device 200 transmits an investment adjustment value to the interactive device 100, wherein the investment adjustment value is generated by the terminal device 200 according to the second event data.

In one embodiment, the terminal device 200 provides the user with a situational information contained in the second event data through the user interface 220, and the user can decide to increase the amount, decrease the amount or keep the investment amount unchanged, Correspondingly, the terminal device 200 generates the investment adjustment value according to the user's selection. For example: when the user decides to increase the amount, the investment adjustment value generated by the terminal device 200 is greater than 0; and when the user decides to reduce the amount, the investment adjustment value generated by the terminal device 200 is less than 0; and when the user decides The investment amount remains unchanged, and the investment adjustment value generated by the terminal device 200 is equal to zero.

Further, the processor 140 adjusts the risk parameter, the category parameters and the subcategory parameters according to the investment adjustment value. For example: when the investment adjustment value is greater than 0, increase the risk parameter, the first category parameter and the first subcategory parameter; when the investment adjustment value is less than 0, lower the risk parameter, the first category parameter and the The first subcategory parameter; when the investment adjustment value is equal to 0, the risk parameter, the first category parameter and the first subcategory parameter will not be changed.

In one embodiment, the interactive device 100 determines the user's preference for the first financial product category according to the timing when the user decides to change from the first country option to the second country option, and further adjusts the second country option. A category parameter. In some embodiments, the longer the time interval for changing from the first country option to the second country option, it means that the user has a higher degree of preference for the first financial product category, and the interaction device 100 increases the value of the second country option. The probability of a category parameter is higher.

In this embodiment, the user interface 220 provides a country change page, which includes a plurality of country options, and each of the country options corresponds to the financial product category and one of the category parameters.

Correspondingly, when the user selects one of the second country options among the country options, the terminal device 200 sends a second category data corresponding to the second country option to the interactive device 100, and the processor 140 of the interactive device 100 Then adjust one of the type parameters corresponding to the second type of data, and adjust the first type of parameter according to a first time interval from receiving the first type of data to receiving the second type of data.

Similarly, in one embodiment, the interactive device 100 determines the user's preference for the first financial commodity subcategory according to the timing when the user decides to change from the first department option to the second department option, and The first subcategory parameter is further adjusted.

In some embodiments, the longer the time interval for changing from the first department option to the second department option, it means that the user has a higher degree of preference for the first financial product subcategory, and the interaction device 100 increases the The probability is higher for the first subcategory parameter.

In this embodiment, the user interface 220 provides a department modification page, including a plurality of department options, each of which corresponds to the financial product subcategory and one of the subcategory parameters.

Correspondingly, when the user selects one of the second department options among the department options, the terminal device 200 sends a second subcategory data corresponding to the second department option to the interactive device 100, and the processor of the interactive device 100 140 adjusts one of the second subcategory parameters corresponding to the subcategory parameters of the second subcategory data, and adjusts according to the second time interval from receiving the first subcategory data to receiving the second subcategory data The first subcategory parameter.

It should be noted that after the user selects the second country option and the second sector option, the business game is switched to a financial product category and a financial product category corresponding to the second country option and the second sector option Subcategory, providing a country and a department that the user operates in.

In one embodiment, the interaction device 100 asks the user whether to switch to other country options to play when a first time interval passes after the user selects the first country option.

First, in response to a first time threshold having been exceeded after receiving the first category data, the processor 140 transmits a plurality of category option data to the terminal device 200, wherein each of the category option data corresponds to the financial commodity category (ie, corresponding to those country options).

For example, if the user previously selected a bond country and played for more than five days, the interactive device 100 transmits a stock country option and a fund country option to the terminal device 200 for the user to choose.

Next, after receiving the category option data, the terminal device 200 provides the user with the category option data through the user interface 220 . Further, the user selects a first category option data among the category option data, wherein the first category option data corresponds to a third financial product category.

Next, the processor 140 receives the first category option data from the terminal device 200, and according to the first category option data, increases the second category parameter of one of the category parameters corresponding to the first category option data, and Adjusting the risk parameter according to the third financial product category corresponding to the first category option data.

Similarly, in an embodiment, the interaction device 100 asks the user whether to switch to other department options to play when a second time interval passes after the user selects the first department option.

First, in response to a second time threshold being exceeded after receiving the first subcategory data, the processor 140 transmits a plurality of subcategory option data to the terminal device 200, wherein each of the subcategory option data corresponds to the financial commodity subcategory (ie, corresponding to those sector options).

For example, if the user previously selected the government bond department and played for more than three days, the interactive device 100 transmits an option of a non-investment grade bond department and an option of an emerging market USD bond department to the terminal device 200 for the user to choose.

Next, the terminal device 200 provides the subcategory option data to the user through the user interface 220 after receiving the subcategory option data. Further, the user selects a first sub-category option data among the sub-category option data, wherein the first sub-category option data corresponds to a third financial commodity sub-category.

Next, the processor 140 receives the first subcategory option data from the terminal device 200, and according to the first subcategory option data, increases one of the subcategory parameters corresponding to the first subcategory option data by the second subcategory parameters, and adjust the risk parameters according to the third financial product subcategory corresponding to the first subcategory option data.

It should be noted that after the user selects the first category option information and/or the first subcategory option information, the business game will switch to the first category option information and the first subcategory option information corresponding The third financial commodity category and the third financial commodity subcategory provide a country and a sector corresponding to the user's business operations.

According to the aforementioned embodiments, the interactive device 100 can analyze the user's multiple preferences for multiple financial product types and an investment risk tolerance through the user's decision-making in the business game. In addition, by generating the suggested data of the financial product, the user is provided with an understanding of a risk attribute and a tolerance of the user.

Although several embodiments are described above as an example, the interactive device proposed in this disclosure can also be realized by other systems, hardware, software, storage media or combinations thereof. Therefore, the scope of protection of the present disclosure should not be limited to the specific implementation described in the embodiments of the present disclosure, as defined by the scope of the appended patent application.

It will be apparent to those skilled in the art to which the present disclosure pertains that various modifications and changes can be made in the structures of the present disclosure without departing from the scope or spirit of the present disclosure. In view of the foregoing, the scope of protection of this disclosure also covers the modifications and changes made within the scope of the appended patent application.

100: Interactive installation 120: storage 140: Processor 160: communication interface 200: terminal device 220: user interface

In order to make the above and other purposes, features, advantages and embodiments of the present disclosure more comprehensible, the accompanying drawings are described as follows: Figure 1 is a schematic diagram of an interactive device in some embodiments of the present disclosure; and FIG. 2 is a schematic diagram of an interactive device communication connection terminal device in some embodiments of the present disclosure.

100: Interactive installation

120: storage

140: Processor

160: communication interface

Claims (10)

An interactive device comprising: A storage for storing a risk parameter corresponding to a user, a plurality of category parameters and a plurality of subcategory parameters, wherein: the risk parameter is used to indicate the financial risk tolerance of one of the users; Each of the category parameters corresponds to a financial commodity category, and each of the category parameters is used to indicate the user's degree of preference for the corresponding financial commodity category; and Each of the subcategory parameters corresponds to a financial commodity subcategory, and each of the subcategory parameters is used to indicate the user's degree of preference for the corresponding financial commodity subcategory; a communication interface, communicating with a terminal device; and A processor, coupled to the memory and the communication interface, for performing the following operations: receiving a first type of data, wherein the first type of data corresponds to a first financial product type among the financial product types; According to the first category data, increase one of the first category parameters corresponding to the category parameters of the first category data, and adjust the risk parameter according to the first financial product category corresponding to the first category data; receiving a first subcategory data, wherein the first subcategory data corresponds to one of the financial commodity subcategories, the first financial commodity subcategory; According to the first sub-category data, one of the first sub-category parameters corresponding to the first sub-category data is increased, and according to the first sub-category of financial products corresponding to the first sub-category data adjust the risk parameter; and According to the risk parameter, the category parameters and the subcategory parameters, a financial commodity recommendation data is generated. The interactive device as described in claim 1, wherein the processor is further configured to perform the following operations: receiving a second type of data, wherein the second type of data corresponds to a second financial product type; and The first type parameter is adjusted according to a first time interval from receiving the first type data to receiving the second type data. The interactive device as described in claim 1, wherein the processor is further configured to perform the following operations: receiving a second subcategory data, wherein the second subcategory data corresponds to a second financial product subcategory; and The first subcategory parameter is adjusted according to a second time interval from receiving the first subcategory data to receiving the second subcategory data. The interactive device as described in claim 1, wherein the processor is further configured to perform the following operations: Sending a first event data and a plurality of option data to the terminal device, wherein the option data is a plurality of response options corresponding to the first event data, and each of the option data corresponds to a parameter adjustment value; receive one of the optional information, the first option information; and Adjust the risk parameter, the category parameters and the subcategory parameters according to a first parameter adjustment value corresponding to the first option data. The interactive device as described in claim 4, wherein the processor is further configured to perform the following operations: sending a second event data to the terminal device; receiving an investment adjustment value, wherein the investment adjustment value is generated by the terminal device according to the second event data; and Adjust the risk parameter, the category parameters and the subcategory parameters according to the investment adjustment value. The interactive device as described in claim 1, wherein the processor is further configured to perform the following operations: In response to a first time threshold being exceeded after receiving the first category data, sending a plurality of category option data to the terminal device, wherein each of the category option data corresponds to the financial commodity category; receiving one of the first category option data among the category option data, wherein the first category option data corresponds to a third financial product category; and According to the first category option data, one of the second category parameters corresponding to the category parameters of the first category option data is raised, and the risk is adjusted according to the third financial product category corresponding to the first category option data parameter. The interactive device as described in claim 1, wherein the processor is further configured to perform the following operations: In response to a second time threshold being exceeded after receiving the first sub-category data, sending a plurality of sub-category option data to the terminal device, wherein each of the sub-category option data corresponds to the financial commodity sub-category; receiving a first subcategory option data among the subcategory option data, wherein the first subcategory option data corresponds to a third financial commodity subcategory; and According to the first subcategory option data, one of the subcategory parameters corresponding to the first subcategory option data is raised to the second subcategory parameter, and according to the third financial subcategory corresponding to the first subcategory option data Commodity subcategories adjust this risk parameter. The interactive device as described in Claim 1, wherein the risk parameter is generated based on the basic information of the user. The interactive device according to claim 1, wherein the category parameters include a stock category parameter, a bond category parameter, and a fund category parameter. The interactive device as described in claim 1, wherein: each of these financial instrument subcategories corresponds to one of these financial instrument categories; and The first financial commodity subcategory corresponds to the first financial commodity category.

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