JP2002063357A - Portfolio generation system and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a portfolio generation system and a method therefor which can use portfolio information on the whole user for individual portfolio generation. SOLUTION: This method has a step for authenticating an accessing user, a step for extracting a portfolio of high similarity by comparing a stock list of stocks which are put in the current portfolio inputted by the user and not put in and the portfolios of other users, a step for notifying the user of specific stocks from the extracted portfolio of high similarity, a step for inputting the number of stocks to be sold and bought and conditions from the user and requesting a stock dealer to sell and buy them and also updating the portfolio.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portfolio creation system and method for creating a portfolio which is important information when trading stocks.

[0002]

2. Description of the Related Art In general, when buying and selling stocks, there are many sources of information from mass media such as newspapers and books, and from detailed persons such as those of securities companies. Recently, there are cases where information is exchanged by individuals, but it does not go out of individual territory.

[0003] When relying on a specific information source, the content of the portfolio greatly depends on the judgment of the information source. Good results can be obtained with good information sources, but unfortunate results can occur if there are problems with the information sources. In addition, processing capacity is limited due to human intervention,
There is a problem that users who can enjoy the service are limited.

[0004]

As described above, the conventional portfolio creation has a problem that it tends to depend on information sources. In particular, when making portfolios, judgments based on human knowledge and experience greatly influence.

[0005] It is an object of the present invention to provide a portfolio creation system and method that can use portfolio information of the entire user for individual portfolio creation in order to solve such a problem that is biased toward information sources and humans. I do.

[0006]

In order to achieve the above object, a portfolio creation system according to the present invention comprises means for receiving a portfolio creation / stock trading request from a user via a network, and a stock trading service for arranging stock trading. A means for making a stock purchase request to a user, a means for purchasing stock from the stock trading operator, and a means for providing a portfolio creation and stock purchase service to a user. is there.

Further, the portfolio creation system of the present invention compares the means for authenticating the accessing user with the stock list of stocks entered / not entered in the current portfolio inputted by the user and the portfolio of other users. Means for extracting portfolios with high similarity, means for notifying users of predetermined shares from the extracted portfolios with high similarity, and the number and conditions of shares traded by the user are input, and the stock trading It is characterized by comprising means for requesting a trading transaction, and means for notifying the user of the completion of stock trading from the stock trading operator and notifying the user of the trading completion and updating the portfolio.

In addition, the portfolio creation system of the present invention, as a means for extracting a portfolio having a high degree of similarity, owns a part or all of each stock of a user's portfolio and does not have a stock that has refused selection. Means for creating a list of other users, means for comparing the degree of similarity between the other users of the list and the user, and expressing the result as similarity; Means for extracting weighted shares owned by other users and not set by the user, and taking into account the weights extracted by the means and those owned by a plurality of users. Means for finally extracting from strains having a high degree of similarity.

[0009] The portfolio creation method of the present invention includes:
Creating portfolios from users via the network
Receiving a stock trading request, making a stock purchase request to a stock trader who arranges stock trading, purchasing stock from the stock trader, and creating a portfolio and stock for the user. Providing a purchase service.

The portfolio creation method of the present invention further comprises:
Authenticating the accessing user; extracting a portfolio with a high similarity by comparing the other user's portfolio with the stock list of stocks that cannot be included in the current portfolio entered by the user; Notifying the user of predetermined stocks from the extracted portfolio with high similarity, inputting the number of trading shares and conditions from the user, requesting the stock trading operator to perform a trading transaction, To notify the user of the completion of the stock trading, to notify the user of the completion of the trading, and to update the portfolio.

In order to extract the portfolio having a high degree of similarity, a list of other users who own some or all of the shares of the user's portfolio and do not have the shares whose selection is refused is created. And comparing the degree of similarity between the other users of the list and the user, and expressing the result as a degree of similarity. Weighting and extracting the strains not set by the user, and strains having a high similarity finally taking into account the weights extracted in the step and those owned by a plurality of users. And extracting from the

[0012]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is an explanatory diagram showing the overall flow of a portfolio management / creation method according to an embodiment of the present invention. The portfolio management / creation system 13 mediates between a large number of users 11 who perform stock trading via a network and stock trading operators 12 who arrange stock trading.

That is, the user 11 requests the portfolio management / creation system 13 to pay a management creation / trading agency fee and to perform portfolio management / creation / stock trading. The portfolio management / creation system 13 requests the stock trading operator 12 to purchase shares, purchases shares on condition that a brokerage commission is paid, and provides users with portfolio management / creation / stock purchase services. I do.

In the embodiment of the present invention, each user firstly obtains information on his or her own portfolio as a basic environment, for example, the purchased shares and the number of shares which are each user's portfolio as shown in FIGS. 2 and 3. It is assumed that it has been put into the management and creation system. The portfolio management and creation system holds it as a database. Note that the portfolio is a possessed product list when an individual or the like selects and retains a plurality of products or the like whose trading price fluctuates. For example, a set of shares owned by an individual. Here, since it is assumed that the portfolio is registered in the portfolio management / creation system, it refers to the possessed product list registered in the portfolio management / creation system.

As shown in FIG. 4, each user accesses the portfolio management / creation system and performs user authentication (new users are registered in advance). Each user selects and enters stocks to be included or excluded from the current portfolio from stocks or general stocks owned by the user.

On the portfolio management / creation system side,
Compare the input stock list with the portfolios of other users with high similarity, extract the portfolios that are included in the current portfolio, the number of shares that the user has not entered, and the number of shares already purchased. Recommend the number of increase / decrease in the number of shares (trading number). Users can manage their portfolio
Select the stocks to be included / not included in the portfolio from the stocks extracted by the creation system (or those not included in the stocks). The portfolio management and creation system checks the similarity again with the newly selected user,
Propose new options to the user as well. Some of the options include "do not change". If the user chooses "do not change" as an option, the portfolio management and creation system prompts the user to purchase the shares on the list. The user selects the number of shares to buy and sell and the conditions and inputs them to the portfolio management and creation system. Next, as shown in FIG. 5, the portfolio management / preparation system requests the stock trader to trade (change) only the necessary stock and the required number of shares, and provides information to the stock trader. The stock trading operator performs stock trading according to the trading conditions, and notifies the portfolio management / preparation system of the result of each stock trading completed. The portfolio management and creation system is based on the notice of the stock trading operator,
It updates the stock trading status data and notifies the user of the stock trading completion. The user can check the information at any time. The portfolio management and creation system setstle the stock trading fee and bills the user for an intermediary fee. In addition, the portfolio management and creation system collects brokerage fees from stock trading operators. The user pays the management creation and sales agency fee to the portfolio management and creation system. In addition, stock brokers pay brokerage fees to the portfolio management and creation system.

It is possible to change or delete the trading condition of a trading status that is not completed. In the event of a change or deletion, the portfolio management and creation system immediately notifies the stock trading operator of the change or deletion, and promptly makes the change.

As shown in FIG. 6, each user accesses the portfolio management / creation system and performs user authentication. Each user refers to the current trading status of the portfolio. The portfolio management / creation system notifies the user of the completion information of the stocks to be traded, and the user resets the conditions of unfinished stocks, selects stocks to be included or excluded from the portfolio, and changes the stock trading conditions. , The change condition is notified to the portfolio management / creation system. The portfolio management and creation system requests the stock trading operator to change the stock trading. Subsequent processing is the same as in FIG.

In the embodiment of the present invention, the user pays a usage fee to the use of the portfolio management / creation system itself or at the time of stock trading. In addition, stock brokers pay brokerage fees when interacting with a portfolio management and creation system, such as when trading stocks. The present invention can be applied to anything other than stocks as long as the price of trading fluctuates at any time, and if buying and selling is possible in combination with what can be bought and sold.

As a method of calculating the similarity of the portfolio, as shown in FIG. 7, a part of or all of the shares of the original user's portfolio are owned (holding the shares selected by the original user. A) Make a list of other users and other users who do not have the shares that refused to select. The degree of similarity between each other user in the list and the original user is compared, and the result is expressed as a numerical value (similarity). The list of shares and the number of shares to be finally introduced are calculated based on the similarity of the users of the list, and the number of shares that each other user in the list has but has not been set by the original user. Each weight is extracted, and the increase / decrease value of the number of shares already possessed is extracted. Finally, stocks with high similarity are extracted by taking into account the weights of each user and those owned by a plurality of users.

[0022]

FIG. 8 is a structural explanatory view showing an embodiment of the present invention. In the figure, reference numeral 21 denotes a stock portfolio management server, which includes a portfolio management unit 22, a user correspondence unit (Web server) 23, and a recommended portfolio creation unit 2.
4. It is composed of a trading information management unit 25. Reference numeral 26 denotes a user terminal, on which access software (browser) 27 is provided. Reference numeral 28 denotes a stock trading operator, and a trading processor 29 is provided. A user terminal 26 and a stock trading operator 28 are connected to the stock portfolio management server 21 via a network 30 such as the Internet.
As a system environment, a stock portfolio management server (We) connected to a network 30 such as the Internet
b server) 21, each user terminal 26 is connected via a network 30, such as the Internet, and uses a stock trading service. A Web browser is used as access software.

As shown in FIG. 9, each user terminal 26 first accesses a service of the stock portfolio management server 21. There is a menu for creating a portfolio and checking the current portfolio.

Each user registers his or her own stock in the service as a portfolio. Registration work is
There are cases where the user is automatically registered at the time of stock trading with this service, and cases where the user registers himself. Therefore, the created ports may be all purchased shares themselves, or all the ports may be set by the user independently. Here, only the stocks to be purchased or the stocks to be purchased are targeted.

When a new user who has not purchased a stock or a user who has already purchased a stock enters the portfolio creation support service, there is no reference stock based on the stock held by the user. To display the recommended portfolio. For the already purchased shares in the list, the number of shares to buy and sell is recommended, and a list of other recommended unpurchased shares is displayed (FIG. 10).

The user enters a quantity of a stock which the user does not have in the list and which he / she does not want to add to the portfolio as a temporary registration, inputs a quantity, and presses a rebuild button. The rebuild button is used to rebuild the portfolio. The results of the
As before, a list of registered and unregistered stocks is displayed. If necessary, the strain can be deleted and reconstructed (FIG. 11).

When the required number of shares is input and the trade condition setting button is pressed (FIG. 12), the screen shifts to a trade condition setting screen (FIG. 13). At that time, you can select the trading conditions and the suspension of trading. In this example, the terms of sale are "finished"
"When this amount is reached (trading basis)" can be selected.

When the trade request button is pressed, a trade request state is set. You will be notified by e-mail when the designated stock is bought or sold.
It is assumed that the current state can be viewed on the portfolio confirmation screen, and the resetting of conditions and the cancellation of trading can be selected for the stock for which trading is reserved (FIG. 14).

On the service side of the stock portfolio management server 21, when the user enters the portfolio creation support service after specifying the user, the portfolio of the corresponding user is extracted from the database and a user close to the portfolio is found. More specifically, as shown in FIG. 15, for each stock in the portfolio, the owning user is picked up. Then, only the stocks of the portfolio are processed, and a corresponding user group is created. The degree of overlap of the users from the user group is set as the similarity of the users.
An ideal portfolio is created by prioritizing similarities as weights and adding portfolios. Compare the portfolio to that of the user and display the recommended buy or sell stock. When comparing portfolios, the total amount based on the current market value is added by the ratio of the total value of each share, and the comparison is performed.

FIG. 3 shows an example of a portfolio of each user as an embodiment. FIG. 1 shows a list of shares owned by a user with a user ID of 6 to create a new portfolio.
Assuming that the number is 6, the comparison is made with the shares owned by each user. It is assumed that the overlap of owned shares = priority = weight (FIG. 17). Calculate the weighted ratio of each user's portfolio. For example, FIG. 18 shows the ratio of the person having the user ID: 1. The ratio of each user is added to create an overall ratio. At that time, the weighted user adds up only that much. Here, the user ID = 1 is added twice for the weight. Share A held at face value 90
The amount of the other stock when the price is fixed at 000 yen is calculated from the ratio (FIG. 19). As a result, the display of FIG. 10 is obtained.

Similarly, when the user C is set to exclude the stock C with the user ID: 6 (FIGS. 20 and 11), the user IDs: 3 and 4 are removed as overlaps (FIG. 21). When this is similarly processed, the result is as shown in FIG. 22, and the output of FIG. 12 is obtained.

When a trade is selected on the trade screen, a transaction request is issued for the necessary traded stock or sold stock. From the ones that could be sold, the user is notified by e-mail, and the purchase price or sale price is exchanged with the user. At that time, a transaction brokerage fee is collected from the user and / or the stock exchange institution.

[0033]

According to the prior art, this is a portfolio creation method that has mainly been based on human judgment. However, if portfolio data of many users is collectively stored and aggregated in a server system via a network, it is simply aggregated. In addition to the management cost reduction, the portfolio information of the entire user can be used for individual portfolio creation. As a result, a portfolio creation proposal can be made as a support system for enhancing the effects of the judgments that have been made by humans, and proposals and creations can be made without depending on the knowledge and experience of each individual.

[Brief description of the drawings]

FIG. 1 is a schematic configuration explanatory view showing an embodiment of the present invention.

FIG. 2 is an explanatory diagram showing an example of a portfolio of each user according to the embodiment of the present invention.

FIG. 3 is an explanatory diagram showing an example of a portfolio of each user according to the embodiment of the present invention.

FIG. 4 is a flowchart showing a part of a basic processing flow according to the embodiment of the present invention.

FIG. 5 is a flowchart showing a part of a basic processing flow according to the embodiment of the present invention.

FIG. 6 is a flowchart showing a part of a basic processing flow according to the embodiment of the present invention.

FIG. 7 is a flowchart showing a similarity calculation procedure according to the embodiment of the present invention.

FIG. 8 is a schematic configuration explanatory view showing an embodiment of the present invention.

FIG. 9 is an explanatory diagram illustrating a user authentication screen according to the embodiment of the present invention.

FIG. 10 is an explanatory diagram showing a portfolio input screen according to the embodiment of the present invention.

FIG. 11 is an explanatory diagram showing an excluded stock selection screen according to the embodiment of the present invention.

FIG. 12 is an explanatory diagram showing a portfolio re-input screen according to the embodiment of the present invention.

FIG. 13 is an explanatory diagram showing a trading condition setting screen according to the embodiment of the present invention.

FIG. 14 is an explanatory diagram showing a trading status confirmation change screen according to the embodiment of the present invention.

FIG. 15 is a flowchart illustrating a similarity calculation procedure according to the embodiment of the present invention.

FIG. 16 is an explanatory diagram showing shares owned by the portfolio creation service user (ID: 6) according to the embodiment of the present invention.

FIG. 17 is an explanatory diagram showing users who own shares owned by ID: 6 and weights according to the embodiment of the present invention.

FIG. 18 is an explanatory diagram showing calculation of a portfolio ratio according to the embodiment of the present invention.

FIG. 19 is an explanatory diagram showing an example of creating a recommended portfolio by converting the ratio obtained by adding the ratios of users according to the embodiment of the present invention to a monetary value.

FIG. 20 is an explanatory diagram showing selection of a rejected stock according to the embodiment of the present invention.

FIG. 21 is an explanatory diagram showing a user who owns the owned stock of ID: 6 and weights according to the embodiment of the present invention.

FIG. 22 is an explanatory diagram showing an example of creating a recommended portfolio by converting the ratio obtained by adding the ratios of users according to the embodiment of the present invention to a monetary amount.

[Explanation of symbols]

 11 User 12 Stock Trading Handler 13 Portfolio Management / Creation System 21 Stock Portfolio Management Server 26 User Terminal 28 Stock Trading Handler

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Atsushi Nakano 2-3-1 Otemachi, Chiyoda-ku, Tokyo F-term in Nippon Telegraph and Telephone Corporation (reference) 5B049 BB47 CC00 5B055 CC00

Claims (6)

[Claims] 1. A means for receiving a portfolio creation / stock trading request from a user via a network, a means for making a stock purchase request to a stock trading operator who arranges stock trading, and And a means for providing a portfolio creation and stock purchase service to users. 2. A means for authenticating a user who has accessed, and a method for entering / entering a current portfolio entered by the user.
A means for comparing a stock list of shares that cannot be included with another user's portfolio to extract a portfolio having a high similarity; a means for notifying a user of a predetermined stock from the extracted portfolio having a high similarity; A means for requesting a trading transaction from a stock trading operator when the number of trading shares and conditions are input by a user, a means for notifying the user of the completion of stock trading from the stock trading operator and notifying the user of trading completion and updating the portfolio, A portfolio creation system comprising: 3. A means for extracting a portfolio having a high degree of similarity includes a list of other users who own some or all of the shares of the user's portfolio and do not have any shares refused to be selected. Means for creating, means for comparing the degree of similarity between the other users of the list and the user, and representing the result as a degree of similarity; Means that weights and extracts the shares that are not set by the user, respectively, and that the similarity is finally high in consideration of the weights extracted by the means and those possessed by a plurality of users. 3. The portfolio creation system according to claim 2, further comprising means for extracting from a stock. 4. A step of receiving a portfolio creation / stock trading request from a user via a network; a step of requesting a stock trading operator who arranges stock trading to purchase a stock; And a step of providing a portfolio creation / stock purchase service to the user. 5. A step of performing authentication of a user who has accessed, and entering the current portfolio entered by the user /
Extracting a portfolio with a high similarity by comparing the stock list of shares that cannot be included with the portfolio of another user; notifying the user of a predetermined stock from the extracted portfolio with a high similarity; A step of requesting a stock trader to input and sell the number of shares to be traded and conditions from the user, and a step of notifying the user of the stock trade completion from the stock trader and notifying the user of the trade completion and updating the portfolio; A portfolio creation method characterized by having: 6. Extracting a portfolio having a high degree of similarity by creating a list of other users who own some or all of the shares of the user's portfolio and do not have any shares refused to be selected. And comparing the degree of similarity between the other users of the list and the user, and expressing the result as a degree of similarity. Extracting weighted strains that have not been set by the user; and extracting from the stocks with the highest similarity finally taking into account the weights extracted in the step and those possessed by a plurality of users. Extracting.
The portfolio creation method described.