JP2002366763A - One-to-one asset management portfolio system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To successively provide an optimal asset management portfolio service matched with a personal life style, an investment style and a life plan to a client having no special knowledge concerning asset management anytime and from any place through his/her life. SOLUTION: A one-to-one asset management system receives access from a terminal mounting a WWW browser anytime and from any place to automatically prepare an optimal and life-long financial plan and asset management plan matched with the personal life style, the investment style and the life plan obtained by adding an individual change to a standard life plan to provide the optimal asset management portfolio service to each client having no special knowledge concerning asset management, and manages a change history, a balance history and a life-long financial planning history to provide them to the client continuously through his/her life.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention A one-to-one asset management portfolio that belongs to a system provided by an application service provider on a Web site and provides asset management services to a client using a general-purpose browser with a graphical user interface. About the system.

[0002]

2. Description of the Related Art Japanese Unexamined Patent Application Publication No. 11-96218 discloses that in an automatic portfolio design system 1, target asset specifying information and expected return rate information (return by asset class) of each asset class (asset type) constituting an asset. Rate information)
Based on the expenditure content identification information and the expenditure content identification information, predict the transition of the total amount of the target asset over time when the current portfolio is considered to be maintained in the future. Automatic portfolio design that can determine the recommended portfolio of the target asset so that it can be improved, and can quickly and surely form the optimal portfolio of assets even if you do not have much expertise at the individual level etc. The system is described. In Japanese Patent Application Laid-Open No. H11-110449, in a portfolio planning system using a computer, a target amount is calculated in accordance with a life plan of each individual based on input personal data, and a target rate of return in consideration of a period is calculated. A target calculation step, a risk acceptance level determination step for determining an individual's risk acceptance level based on the input survey data, and a model for creating a model portfolio corresponding to the target return rate calculation result and the risk acceptance level determination result A total portfolio planning system by a computer, comprising a portfolio creation step.

[0003]

However, in the asset management service in the above-mentioned conventional example, various analyzes and simulations based on characteristics of each client based on individual data of clients directly related to asset management have been performed. However, there has been a first problem in that various analyzes and simulations over the medium to long term of the client taking into account data on the life plan of the client have not been performed.

[0004] Further, a client receiving the asset management service is not always accessible from anywhere, and the analysis results and simulation results of various asset management portfolio systems are not visual and graphical, but have special knowledge. There was a second problem that it could not be understood without it.

In order to solve the first problem, the present invention takes into account data relating to a client's life plan, optimizes asset allocation from various analyzes and simulations over the medium to long term, and obtains an optimal asset allocation every predetermined period for each future year. The primary object of the present invention is to provide an asset management portfolio system on a Web site that enables the realization of a revenue and expenditure plan by evaluating the difference between the revenue plan of the company and the expected revenue and repeating the optimal asset allocation in a timely manner. And

In order to solve the second problem,
Provide an asset management portfolio system as an application system on a Web site that can be accessed at any time and from any terminal that can be connected via the Internet and that can operate a general-purpose browser. It is a second object of the present invention to provide a system which can be easily and easily understood without any special knowledge.

[0007]

According to a first aspect of the present invention, there is provided an asset management portfolio system using a computer, in which a client using a general-purpose browser is individually provided on a Web site in a one-to-one type. In a system for providing services, a standard action group based on a standard life plan in advance, a standard age group scheduled to execute each standard action item, standard lifestyle information, standard investment style information, an e-mail address, and a market value evaluation date , A standard asset information storage unit that previously accumulates standard asset information corresponding to the standard action items, and updates / changes the contents of the standard asset information storage unit to the latest information. Means and the standard action items from the standard asset information storage unit with the standard action items Means for searching for the corresponding standard asset information, means for selecting the standard asset information matching the standard lifestyle from the searched standard asset information, and optimal standard asset from the selected standard asset information Means for creating a plan, optimal asset allocation means for allocating assets that match the information on the standard investment style, a product brand master storage unit for storing in advance information on product brands to be invested based on the asset allocation, Means for updating the contents of the product brand master storage unit to the latest information; means for creating a portfolio matching the information on the standard investment style; means for reflecting the expected return from the portfolio on the standard asset plan; At the time of initial access from a client, the individual asset plan history of each client is stored. Initializing the contents of the individual asset balance history storage unit and the individual asset configuration history storage unit to the asset plan, the asset balance from the portfolio creation unit, and the content of the asset configuration from the portfolio creation unit, and setting the individual life plan history Means for setting information in the standard life plan history storage unit, excluding individual information of each client registered in advance in the storage unit, and means for changing the contents of the individual life plan history storage unit to individual contents of the client Means for performing a market value evaluation of an asset fluctuating according to the market value from the portfolio creation means, and determining whether or not the result of the market value evaluation is within a range of a total asset allowable risk rate set in the investment style for each client. Means for judging, means for notifying each client of the fact by email when the range is exceeded, and From each of the clients notified, the individual life plan change in the individual life plan history storage unit, the individual life style change, the individual investment style change, the market value evaluation date and the individual asset configuration history When there is a change in the individual assets in the storage unit, the asset is registered in order to register the change in each of the storage units, and to automatically create the asset plan based on the content of the change, automatically create an optimal portfolio, and check the result by the change. Means for transmitting and displaying a plan outline diagram in response to a request from each of the clients, thereby providing a one-to-one type asset management portfolio system.

According to a second aspect of the present invention, there is provided an asset management portfolio system using a computer, which provides a client using a general-purpose browser with a one-to-one asset management service on a Web site.
In the two-to-one asset management portfolio system, standard action items based on the standard life plan of the standard client, the age group that will execute each action item, the standard lifestyle, the standard investment style, and the standard market value date are set in advance. A first storage unit for storing, a second storage unit for storing information on standard assets corresponding to each action item in the standard life plan in advance, and timely updating the asset information in the second storage unit to the latest information Means for changing and updating and registering; a third storage unit for storing an individual life plan for each client; means for changing and registering the individual life plan for each client in the third storage unit; A fourth storage unit for accumulating the history of the individual asset plan in each client, and a method for updating and registering the individual asset plan in the fourth storage unit. A fifth storage unit for accumulating an individual asset configuration history in each of the clients; a unit for changing the individual personal asset information of each of the clients in the fifth storage unit for update registration; A sixth storage unit for storing individual asset balance histories, means for updating and registering asset balances in the sixth storage unit, and a seventh storage unit for storing change histories of individual asset configurations in the respective clients Means for updating and registering the change of the asset configuration in the seventh storage unit, and a related change storage unit group, a change item group, and a relational expression at the time of the change, which are changed in response to the change of the asset configuration. An eighth storage unit that registers in advance, a ninth storage unit that accumulates market value information of assets whose prices change due to the market prices necessary for the market value evaluation of the assets whose prices change according to the market price in the assets, The quotation is stored in the ninth storage unit. Means for collecting and updating and registering the market price information when necessary, and a method of collecting price information in the past of the asset fluctuating according to the market price necessary for a simulation performed to construct an optimal portfolio of assets fluctuating according to the market price. A tenth storage unit that accumulates history, a unit that periodically collects the past prices of assets that fluctuate according to the market price, and registers them in the tenth storage unit, and the investment style that is individual for each client. And an eleventh storage unit for storing information on brands of various assets for composing the portfolio optimal for the lifestyle, and the eleventh storage unit stores information on the brands of the various assets in the latest information in a timely manner. Means for registering change / update, a twelfth storage unit for accumulating access history from the client, Means for registering access history information in the twelfth storage unit at the time of access; means for updating and registering the total number of access times in the third storage unit at the time of access from the client; Means for adding the charging rate corresponding to the type of the provided service to the total charging rate in the third storage unit; and any client that is a pre-registered client and can use a terminal equipped with a WWW browser. A one-to-one type asset management portfolio system comprising: means for accepting access from anywhere.

In the one-to-one type asset management portfolio system, the action items of the standard action item group at each of the standard ages in the first storage unit are used as the standard of the second storage unit. Means for searching for information of the standard asset information group corresponding to the action item; means for selecting the standard asset information that matches the standard lifestyle at each standard age from the search result; and Means for automatically creating the standard asset plan at each standard age in the future from standard asset information, means for determining whether or not initial access at the time of access from the client, and in the case of the initial access, Means for displaying the standard asset plan, standard lifestyle and standard investment style to the client; The third storage unit stores the standard asset plan as the individual life plan, the standard lifestyle as the individual lifestyle of each client, and the standard investment style as the individual investment style. Means for registering the standard asset configuration in the fourth storage unit, the standard asset configuration in the fifth storage unit, and the standard asset balance in the sixth storage unit. It may be a one-type asset management portfolio system.

In the one-to-one type asset management portfolio system, upon access from the client, a request from the client
Means for reading the automatically generated current asset plan information from the fourth storage unit, sending and displaying an outline of the asset plan to each client, and upon access from the client, a request from the client ,
Means for reading the history of the automatically generated asset plan information from the fourth storage unit, sending and displaying an outline of the asset plan to each client, and at the time of access from the client, by a request from the client, Change of the individual life plan of each client according to the questionnaire method, change and setting of the cycle and date for performing the market value evaluation, setting and changing of the investment style and the lifestyle of the client, input change of the individual asset Means for allowing the client to perform, and at the time of access from the client, in response to a request from the client, for a request to execute a market price evaluation, the market price fluctuates from the personal asset balance in the sixth storage unit. Search for assets and evaluate the market value to determine if they are within the total asset allowable risk rate range One-to-one type asset management, comprising: a means for notifying the client by e-mail when the result of the determination exceeds the allowable risk ratio to total assets. It may be a portfolio system.

In the one-to-one type asset management portfolio system, when the result of the determination exceeds the range of the allowable risk ratio to total assets, the client notified by e-mail notifies each of the individual When the lifestyle change or the individual investment style change or the individual life plan change is performed, means for registering each change content in the associated third storage unit; Means for automatically constructing the optimal asset allocation and the optimal portfolio that match the investment style in the event that the investment style is changed, and the second storage unit when the individual lifestyle is changed. Search for the action item of the individual life plan from the necessary asset information corresponding to the action item, and Means for making an optimal selection that matches the lifestyle of the individual, and when the individual lifestyle and the investment style have been changed, the individual asset is obtained from the necessary asset information corresponding to the action item in the second storage unit. Means for constructing the optimal asset allocation and the optimal portfolio that match the investment style with searching by the action item of the life plan and selecting the optimal that matches the individual lifestyle; Means for automatically creating the funding plan at each age in the future for each of the clients from the change of the life plan and the change of the personal asset composition and the change of the selected asset information result. The change and registration of the related item in the storage unit are performed by the related storage unit group in the eighth storage unit. Means for automatically reflecting, changing, and registering the information of the consecutive item group in each related storage unit with the repository control function, and changing, registering the fourth storage unit, the fifth storage unit, the sixth storage unit, A means for transmitting the change contents registered in the seventh storage unit to each of the clients by a push technology, the one-to-one type asset management portfolio system may be provided.

[Action]

[0013]

Embodiments of the present invention will be described.

[First Embodiment] FIG. 1 shows a system configuration of the present invention.

The one-to-one type asset management portfolio system of the present invention provides a service on a Web site 104, and transmits various types of networks 102103 from a terminal 101 equipped with a general-purpose world wide web browser.
, The user can access the Web site and receive services on the Web site. For the service related to the market price evaluation, timely information is collected from the system 105 that provides the market price information.

FIG. 2 shows the configuration of the storage unit of the system of the present invention.

A standard life plan information storage unit 201 for storing standard life plan model information, and a standard asset information storage 202 for storing expenditure and income information corresponding to each item.
A personal life plan history storage unit 203 that stores information on the age and plan items of the individual; and a personal asset plan history storage unit 204 that stores information on the age of the individual and the balance at each age
A personal asset configuration history storage unit 205 for storing individual asset configuration information; a personal asset balance history storage unit 206 for storing asset balance information of each individual asset at each age; and change history information of individual asset information , A general-purpose system (OS) unit 208 that stores a general-purpose operating system, a repository storage unit 209 that stores data tables and related information between data, and an asset whose market price fluctuates. A market price evaluation information storage unit 210 that stores information for evaluation of assets having market price information, a past price information storage unit 211 that stores market price change information for the past 50 years for simulation of assets whose market prices fluctuate, , An application system unit 212 for storing an asset management portfolio system, and asset categories, brand names, ratings, A product brand master storage unit 213 for storing information of interest such as dedicated access history storage unit 21
4 and a market value evaluation information storage unit 215 and an individual charging information history storage unit 216.

Next, the functional configuration of the asset management portfolio system will be described with reference to FIG.

The functional configuration of the asset management portfolio system includes a browser display / edit function 301, a browser IO control function 302, a mail edit / send function 303, a client registration function 304, and a client-specific billing function 3.
05, standard asset information update function 306, product brand master update function 307, standard fund plan creation function 308, individual fund plan creation function 309, action-capable asset search function 3
10, optimal asset allocation function 311, market price information collection function 312, market price evaluation function 313, market price fluctuation asset simulation function 314, individual asset portfolio creation function 315, project investment planning simulation function 316, authentication / firewall function 317 Be composed.

Next, a procedure for creating an asset plan from a standard life plan will be described with reference to FIGS. 4 to 12 and FIG.

When a client accesses the present service providing system for the first time, authentication is performed using an ID number and a password. Depending on whether the client is a man or a woman, standard memory plan information stored in advance is stored in a storage unit 2.
01 (FIGS. 2 and 5), asset information corresponding to each standard action item is searched from the standard asset information storage unit 202 (FIGS. 2, 6, and 7) that stores in advance each standard action item. From the asset information corresponding to the action ID number, the annual salary, etc., which is regular income, the daily expenses, which are regular expenditures, and expenditures corresponding to each action are accumulated for each year, and the expenditure corresponding to each action is calculated. The difference and the total of the difference are calculated, and the outline of the asset plan up to the age of 90 (FIG. 21) is calculated.
Sent to client and displayed.

[Embodiment 2] A procedure for changing the contents of the standard life plan in the personal life plan history storage unit 203 for storing information on plan items to individual information of the client and registering the information in the personal life plan history storage unit 203 Will be described with reference to FIGS. 21 to 23.

When there is a change in the contents of the standard life plan model distributed in advance (example of FIG. 21), when a file is selected from the menu bar of the present system on the display screen (FIG. 21), a pull-down menu is displayed, and the change input is performed. Select Start, then select Tools from the menu bar and select Change Life Plan from the drop-down menu.
A pop-up menu (FIG. 23) is displayed, and an asset information input screen is displayed by selecting a change year and selecting an action ID item. Period and amount (“-” indicates expenditure,
"+" Indicates income), and the same operation is repeated for all the changed items. When there are no more changed items, the end is selected. All the action items registered in this system are displayed and selectable.
If there is no item, select and enter other items repeatedly. If any other input is made, a unique action ID number is automatically assigned and registered.

Next, FIG. 2 shows a procedure in which each client registers individual lifestyles and investment styles, which are individual attributes.
This will be described with reference to FIG.

Select a file from the menu bar of the present system on the display screen (FIG. 21), select start of change input,
As pull-down menus, change of personal attribute, change of life plan, change of current asset, change of mark on market value, change of mark on periodic mark, and end of input are displayed. When the change of personal attribute is selected, a pop-up menu (FIG. 20) is displayed. When the investment style is selected, a pull-down menu is displayed (FIG. 20).

In the example of FIG. 20, change of investment style is selected, and similarly, a method of selecting an investment style from a pull-down menu is shown. Selection from the investment style or free style is selected, and individual investment style information is input. can do.

Here, investment style A (risk lover)
Indicates that the ratio of asset allocation to total assets is the risk asset investment ratio = 80%, the non-risk asset investment ratio =
20%, risk hedging asset investment ratio = 20%, total asset allowable risk ratio = -27.7%, and investment style B (ri
sk neutral) indicates that the ratio of asset allocation to the total asset amount is the risk asset investment ratio = 50%, the non-risk asset investment ratio = 50%, and the risk hedging asset investment ratio = 5
0%, the total asset allowable risk rate = -7.9%,
In investment style C (risk averter), the ratio of asset allocation to total assets is the risk asset investment ratio =
20%, non-risk asset investment ratio = 80%, risk hedging asset investment ratio = 100%, total asset allowable risk ratio =
0.0% is shown.

This is because the allowable risk rate is set assuming that the variable price of the risk asset has a normal distribution, and the rate obtained by multiplying the risk asset investment ratio of all the assets by the following value is defined as the total asset allowable risk rate. The total asset tolerable risk rate is calculated as follows: average value- (variance value × 2) = 0.359 in style A, average value-variance value = 0.1579 in style B, The ratio multiplied by the investment ratio of risk assets in each investment style is set as the allowable risk ratio to total assets.

Lifestyle A indicates a standard or higher living level, Lifestyle B indicates a standard living level, and Lifestyle C indicates a living level in the cash flow. When selecting the necessary asset amount from the class, the asset amount of the class corresponding to each lifestyle is selected. However, if the cash flow is insufficient, borrowing of assets will occur.

Next, a description will be given of a process from selection of asset information according to personal lifestyle to creation of an asset plan with reference to FIGS. 6 to 12.

The individual lifestyle is registered in the individual life plan history storage unit 203 (FIG. 2), but in the case of Mr. Maruyama in this example (FIGS. 8 and 9), the lifestyle type is A In the life plan of FIG.
In this case, the standard asset information storage unit 202 in FIG. 6 and FIG. 7 is searched for marriage (action ID = 100109, and three-level asset information (FIG. 7) is searched,
Level 1 because the lifestyle type is A
(5 million yen) is selected.

FIG. 11 shows the sum of the columns of age 30 years.
(2) Total revenue, regular revenue is 4,089,000 yen, regular revenue is 3,030,000 yen, and the total balance difference up to the previous year (Fig. 12) is 5,0
There is 59,000 yen and special expenditure is 50
It is calculated that the total revenue at the end of 30 years in FIG.
For each age, a future asset plan is created in the same manner.

As described above, by repeating the same operation according to individual life plans and lifestyles,
We can create an asset plan for each age of the individual.

Next, a method for inputting the current personal property will be described with reference to FIGS.

Select a file from the menu bar in FIG. 21, select “start change” from the pull-down menu, select a tool from the menu bar, and select from the pull-down menu.
When the current asset change input is selected, as described above, FIG.
The pop-up menu and pull-down menu shown in are displayed. Select the asset category, the type of the selected category, and the quantity of the type of the selected category. The total purchase amount (the book value is the price per purchase unit, In the case of the same issue such as stocks, the total purchase price and commission, etc. are used as the purchase price, and using the moving average or total average method, ((conventional book value × conventional volume) + total purchase price) ÷ (conventional volume + volume) )), The purchase date, and the annual interest rate (in the case of a bond or the like) are entered, and the contents are registered in the associated storage unit.

Next, a method of changing the market value evaluation date will be described with reference to FIGS. 21 and 25.

When a file is selected from the menu bar of FIG. 16, then select start of change input, then a tool is selected from the menu bar, and a change of market value evaluation is selected from a pull-down menu, a pop-up menu (FIG. 25) is displayed. Select either period or month / day specification.

When a cycle is selected, a pull-down menu displays weekly, monthly, quarterly, semi-annual, and year-end. By selecting any one, the market value of the asset that periodically fluctuates according to the market price is displayed. Is automatically performed, and if the evaluation result exceeds the allowable risk rate for the total assets, the user is automatically notified by e-mail.

When the date is selected, the market value evaluation is set for a plurality of dates by repeating the input from the input screen. Even when the date is specified, the market value is similarly evaluated, and the result is automatically notified by e-mail.

The input change relationship can be accessed from any device equipped with a WWW browser at any time and from any place by any access from the client, as long as anyone has registered in advance. By selecting the end of input from the menu bar of 21, it is possible to automatically create an asset plan based on each individual's life plan, which is a service function of this system, and to be optimal for individual investment style. The portfolio construction function automatically provides various services that meet the various demands of clients.

When the personal information of the client is input and the individual asset plan is changed, all relevant information is recalculated and registered by the repository function.

[Third Embodiment] At the time of access from a client, a file is selected from the menu bar in FIG. 21, execution of market price evaluation is selected from a pull-down menu, and termination is selected. Is
From the personal asset balance history storage unit 206 (FIG. 2 and FIG. 14), the asset (the category in FIG.
XX) is searched, and the market value of each asset fluctuating according to the market price is searched from the market price evaluation information storage unit 210 (FIG. 17). Calculate the difference amount of each asset that fluctuates according to the market value from the book value of each asset and the quantity held,
Further, the total difference amount of the entire assets fluctuating according to the market price is further calculated, the total book value of each asset is calculated from the book value and the quantity of each asset in the personal asset balance history storage unit 206, and further, the total book value of each asset is calculated. The total book value of the total assets in the personal asset balance history storage unit 206 is calculated from the price, and the allowable risk ratio to total assets in the personal life plan history storage unit is multiplied by the total book value of the total assets in the personal asset balance. The total allowable amount is compared with the total difference amount of all assets that fluctuate according to the market price, and it is determined whether the total difference amount is a loss amount exceeding the total allowable amount. If so, each client is notified by email.

In this case, each client needs to change an asset that fluctuates depending on the market price. The client changes the investment style depending on whether a unique investment style is set or the investment style is changed. In order to automatically perform optimal asset allocation that matches the investment style when a change is made, for assets that fluctuate due to market prices, repeat simulations using past price information history, and use investment information from fundamental information etc. Asset allocation to industries and investment stocks from each industry are selected, the combination is repeatedly changed, and the probability of future price fluctuations is improved.The highest return on investment and the risk of total price fluctuation assets Assets that fluctuate at the optimal market price that satisfy the risk ratio to total assets To construct the optimal portfolio to the client by the door allocation.

When the individual lifestyle and investment style are changed, the necessary asset information corresponding to the action item in the standard asset information storage unit is searched for the action item of the individual life plan, and matches with the individual lifestyle. For assets that fluctuate due to market prices along with the optimal selection made, simulations are repeated using the past price information history, asset allocation to the investment target industry from fundamental information, etc., and investment brands from each industry are selected. The combination is repeatedly changed and the probability accuracy of future price fluctuations is improved, so that the maximum return on investment within the total allowable amount is high and the risk of the total price fluctuation assets satisfies the allowable risk ratio to assets. Asset allocation to assets that fluctuate with the best market value allows each client To build an optimal portfolio,
Automatically create future funding plans for each client.

The change and registration of the related item in the related storage unit in accordance with the change of the personal asset configuration and the change of the selected asset information result are performed based on the information of the related storage unit group and the related item group in the repository storage unit (FIG. 16). It is automatically reflected in each related storage unit by the repository control function, and is changed and registered.

Next, a personal asset plan history storage unit (FIGS. 11 and 12), a personal asset configuration history storage unit (FIG. 13), a personal asset balance history storage unit (FIG. 14), and a personal asset change history storage unit (FIG. 15) ) Is sent to each client as a file with the push technology, and the change result is selected by selecting display from the menu bar in FIG. 21 and selecting the current display from the pull-down menu to confirm. By repeating the operations described above, one can find his / her own investment style and provide stable fund management services in the future.

[0047]

As a first effect of the present invention, the optimal asset management portfolio information and the optimal lifetime fund are based on a unique lifetime life plan based on each client's unique lifestyle and investment style. Anyone can receive the plan information service easily and easily at an appropriate price from a standard terminal or a mobile phone equipped with a WWW browser at any time and from any place.

As a second effect of the present invention, a life plan can be simulated by changing a combination of a lifestyle, an investment style, and action items to be performed for each age in the future in order to formulate a life plan. Will,
The best thing is to be able to design an optimal life plan that matches your tastes.

The third effect of the present invention is that it is possible to find out how to live comfortably in the present uncertain era, and to change various life plans in a timely manner to real-life events, thereby enabling various contingencies to be realized over a lifetime. The plan is to be able to formulate an action plan that matches the actual situation.

The fourth effect of the present invention is that the rate of return on investment of a business plan can be calculated, so that the internal rate of return method (IR
R) can be effectively used for calculation of R) and comparison analysis with investment in other products.

[Brief description of the drawings]

FIG. 1 shows a system configuration of the present invention.

FIG. 2 shows a configuration of a system storage unit of the present invention.

FIG. 3 shows a system functional configuration of the present invention.

FIG. 4 shows a standard life plan (12) of the present invention.

FIG. 5 shows a standard life plan (22) of the present invention.

FIG. 6 shows an example of standard asset information (12) in the present invention.

FIG. 7 shows an example of standard asset information (22) in the present invention.

FIG. 8 shows an example of a personal life plan history (13) according to the present invention.

FIG. 9 shows an example of a personal life plan history (23) according to the present invention.

FIG. 10 shows the personal life plan history (3 /
The example of 3) is shown.

FIG. 11 shows an example of a personal asset planning history (12) in the present invention.

FIG. 12 shows an example of a personal asset planning history (22) in the present invention.

FIG. 13 shows an example of a personal asset configuration history according to the present invention.

FIG. 14 shows an example of a personal asset balance history according to the present invention.

FIG. 15 shows an example of a personal asset change history according to the present invention.

FIG. 16 shows an example of related information of a repository function in the present invention.

FIG. 17 shows an example of market value evaluation information of an asset that changes according to the market price in the system of the present invention.

FIG. 18 illustrates an example of past information on marketable assets according to the present invention.

FIG. 19 shows an example of product brand master information in the present invention.

FIG. 20 shows a pop-up menu screen for personal attribute change input in the present invention.

FIG. 21 is a diagram showing a result of creating a financial plan for a balance in a life plan according to the present invention.

FIG. 22 shows surpluses and their totals as a result of creating a financial plan for a life plan according to the present invention.

FIG. 23 shows an example of a pop-up menu for changing an individual life plan according to the present invention.

FIG. 24 shows an example of a pop-up menu screen for inputting an asset change in the present invention.

FIG. 25 shows a pop-up menu for designating the date and time of the market value evaluation and inputting the cycle setting in the present invention.

[Explanation of symbols]

 101 Terminal 102 PBX or LAN or telephone exchange 103 Internet 104 Website 105 Market value information / rating information providing system 301 Browser edit display function 302 Browser IO control function 303 E-mail edit transmission function 304 Client registration function 305 Accounting function for each client 306 Standard asset information Change Function 307 Product Brand Master Update Function 308 Standard Asset Plan Creation Function 309 Individual Asset Plan Creation Function 310 Action-Related Asset Information Search Function 311 Optimal Asset Allocation Function 312 Market Value Information Collection Function 313 Market Value Evaluation Function 314 Market Value Fluctuation Asset Simulation Function 315 Individual Asset Portfolio creation function 316 Project investment simulation function 317 Firewall and authentication function

Claims (10)

[Claims] 1. A system for providing a one-to-one type service on a Web site for each client using a general-purpose browser using a computer-based asset management portfolio system, comprising: a standard action plan based on a standard life plan in advance; A standard life plan storage unit for storing in advance an item group, a standard age group scheduled to execute each of the standard action items, standard lifestyle information, standard investment style information, an e-mail address, and a market value evaluation date; A standard asset information storage unit for previously accumulating standard asset information corresponding to the item; means for updating / changing the contents in the standard asset information storage unit to the latest information; To search for the standard asset information corresponding to each standard action item from Means for selecting the standard asset information matching the standard lifestyle from the retrieved standard asset information; means for creating an optimal standard asset plan from the selected standard asset information; and the standard investment Optimal asset allocation means for allocating assets that match the style information; a product brand master storage unit that stores in advance information of product brands to be invested based on the asset allocation; and the latest contents of the product brand master storage unit. Means for updating the information; means for creating a portfolio matching the information on the standard investment style;
Means for reflecting the expected return from the portfolio in the standard asset plan; and an initial asset access history storage unit, individual asset balance history storage unit, and individual asset configuration history storage unit for each client at the time of initial access from each client. Each content is initially set to the asset plan, the asset balance from the portfolio creation unit, the content of the asset configuration from the portfolio creation unit, and individual information of each client registered in advance in the individual life plan history storage unit, Means for setting information in the standard life plan history storage unit; means for changing the contents of the individual life plan history storage unit to individual contents of the client; Means for performing an evaluation; a result of the market value evaluation; Means for judging whether the investment risk is within the range of the allowable risk ratio to total assets; means for notifying each client by e-mail when the value exceeds the range; notification by e-mail In addition, each of the clients can change the individual life plan in the individual life plan history storage unit, change the individual life style, change the individual investment style, change the market value evaluation date and change the individual asset configuration history storage unit. Means for registering the individual asset changes in the storage units when there is an individual asset change; and a schematic diagram of the asset plan for automatically creating the asset plan based on the content of the change, automatically creating an optimal portfolio, and confirming the result of the change. Means for transmitting and displaying a request according to a request from each of the clients. Over portfolio system. 2. A one-to-one asset management portfolio system that provides a one-to-one asset management service on a Web site to a client using a general-purpose browser, wherein the asset management portfolio system is a computer. A first storage unit that stores in advance a standard action item group based on a standard life plan of a standard client, an age group scheduled to execute each action item, a standard lifestyle, a standard investment style, and a standard market value evaluation date; A second storage unit that stores information on standard assets corresponding to each action item in the standard life plan; a unit that timely changes asset information in the second storage unit to the latest information; A third storage unit that accumulates a history of an individual life plan for each client; and the third storage. Means for changing and registering the content of each client into the individual life plan of each client; a fourth storage unit for accumulating a history of an individual asset plan for each client; and an individual storage unit in the fourth storage unit. Means for registering an asset plan; a fifth storage unit for storing a history of an individual asset configuration for each client; means for changing and registering individual personal asset information of each client in the fifth storage unit A sixth storage unit that accumulates an individual asset balance history in each of the clients; a unit that changes and registers an asset balance in the sixth storage unit; A seventh storage unit that accumulates history, a unit that registers a change in the asset configuration in the seventh storage unit, a related change storage unit group and a change item that change in response to the change in the asset configuration Group and strange An eighth storage unit for pre-registering a relational expression of time; and a ninth storage unit for accumulating market value information of the assets whose prices change according to the market prices necessary for the market value evaluation of the assets whose prices change according to the market price in the assets A storage unit, a unit for collecting and updating the market price information when the market price evaluation is required in the ninth storage unit, and a simulation performed to configure an optimal portfolio of assets that vary according to the market price. A tenth storage unit for accumulating a history of price information in the past of the assets fluctuating according to the required market price, and periodically collecting the past prices of the assets fluctuating according to the market price in the tenth storage unit Means for registering, and storing, for each client, information on brands of various assets for constituting the portfolio optimal for the investment style and the lifestyle. Eleventh and storage unit, information about the stocks of the various assets and timely changes to the latest information in the storage unit of the eleventh to, means for updating registration, first for storing a history of the access from the client
A storage unit for registering access history information in the twelfth storage unit at the time of access from the client; and updating and registering the total number of accesses in the third storage unit at the time of access from the client. Means for adding a charging rate corresponding to the type of service provided at the time of access from the client to a cumulative charging rate in the third storage unit; a terminal which is a pre-registered client and has a WWW browser A one-to-one type asset management portfolio system comprising: means for receiving access from any time and from any client that can use the service. 3. The one-to-one asset management portfolio system according to claim 2, wherein the action items of the standard action item group at the respective standard ages in the first storage unit are the same. Means for searching information of the standard asset information group corresponding to the standard action item in the second storage unit; and selecting the standard asset information matching the standard lifestyle at each standard age from the search result. Means, means for automatically creating the standard asset plan at each future standard age from the selected standard asset information, and means for determining whether or not initial access at the time of access from the client, In the case of the initial access, the standard asset plan, standard lifestyle and standard investment style are displayed to the client. Means for performing, the third storage unit, wherein the standard life plan is the individual life style, the standard lifestyle is the individual lifestyle of each client, and the standard investment style is the individual investment style. Means for registering the standard asset plan in the fourth storage unit, registering the standard asset configuration in the fifth storage unit, and registering the standard asset balance in the sixth storage unit. A one-to-one asset management portfolio system. 4. The one-to-one asset management portfolio system according to claim 2, wherein at the time of access from the client, the current automatically generated current Means for reading asset plan information from the fourth storage unit, sending an outline of the asset plan to each of the clients, and displaying the outline; and at the time of access from the client, the automatically generated asset in response to a request from the client. Means for reading out the history of the plan information from the fourth storage unit and sending and displaying an outline of the asset plan to each of the clients; and at the time of access from the client, a request from the client for each client in a questionnaire manner. Cycle of changing the individual life plan and evaluating the market value Means for changing and setting the date and time, setting and changing the investment style and the lifestyle of the client, and changing the input of the individual asset. At the time of access from the client, from the client In response to the request of (1), a request for execution of a market value evaluation is searched for an asset that fluctuates at the market value from the personal asset balance in the sixth storage unit, and the market value is evaluated to determine whether or not the total asset allowable risk rate is within a range. And a means for notifying the client by e-mail when the result of the determination exceeds the range of the allowable risk ratio to total assets, characterized by a one-to-one type. Asset management portfolio system. 5. The method according to claim 2, 3, or 4.
In the one-to-one type asset management portfolio system according to the above, in the case where the result of the determination exceeds the range of the allowable risk ratio to total assets, the client, which has received the notification by e-mail, When a lifestyle change, the individual investment style change or the individual life plan change is made, each change is related to the third
Means for registering in the storage unit; means for automatically constructing the optimal asset allocation and the optimal portfolio that match the investment style when the investment style is changed; When the style is changed, a search is made for the action item of the individual life plan from the necessary asset information corresponding to the action item in the second storage unit, and the optimum asset information matching the individual lifestyle is retrieved. Means for selecting, and when the individual lifestyle and the investment style are changed, search for the necessary asset information corresponding to the action item in the second storage unit with the action item of the individual life plan. Select the best asset information that matches the individual lifestyle and match the investment style Means for constructing the optimal asset allocation and the optimal portfolio; means for automatically creating the funding plan at each age in the future for each of the clients from changes in the portfolio and changes in the life plan; The change and registration of the related item in the related storage unit accompanying the change of the asset configuration and the change of the selected asset information result are performed based on the related storage unit group and the related item group information in the eighth storage unit. Means for automatically reflecting, changing, and registering the information in the repository by the repository control function; and registered in the fourth storage unit, the fifth storage unit, the sixth storage unit, and the seventh storage unit. Means for transmitting the contents of the change to each of the clients by a push technology, comprising: a one-to-one type asset management portfolio system; Beam. 6. A method for creating a computer-based asset management portfolio system that provides a one-to-one service on a Web site for each client using a general-purpose browser, based on a standard life plan in advance A standard life plan storage unit that stores in advance a standard action item group, a standard age group to execute each of the standard action items, standard lifestyle information, standard investment style information, an email address, and a market price evaluation date; A standard asset information storage unit that stores standard asset information corresponding to a dynamic action item in advance;
Updating / changing the contents of the standard asset information storage unit to the latest information; and searching the standard asset information storage unit for the standard asset information corresponding to each of the standard action items with the standard action item; Selecting the standard asset information matching the standard lifestyle from the retrieved standard asset information; creating an optimal standard asset plan from the selected standard asset information; An optimal asset allocation step for allocating assets matching the information; a product brand master storage unit for storing information of the product brand to be invested based on the asset allocation in advance; and updating the contents of the product brand master storage unit to the latest information. Updating; and creating a portfolio matching the information of the standard investment style. Reflecting the expected return from the portfolio on the standard asset plan; and, upon initial access from each client, an individual asset plan history storage unit, individual asset balance history storage unit, individual asset configuration of each client. Initially set the contents of the history storage unit to the asset plan, the asset balance from the portfolio creation step, and the contents of the asset configuration from the portfolio creation step, and individually register each client registered in advance in the individual life plan history storage unit. Except for information,
Setting information in the standard life plan history storage unit; changing the contents of the individual life plan history storage unit to individual contents of the client; the market value of the asset fluctuating according to the market price from the portfolio creation step Performing a valuation; determining whether or not the result of the market value valuation is within a range of an allowable risk ratio to total assets set in the investment style for each client; Notifying each client; changing each individual life plan in the individual life plan history storage unit, changing the individual lifestyle, changing the individual investment style, and changing the market value from each of the clients notified by the mail. There was a change in the date and a change in the individual assets in the individual asset composition history storage unit Registering the change in each of the storage units; and automatically creating the asset plan based on the content of the change, automatically creating the optimal portfolio, and confirming the result of the change. Transmitting and displaying in response to the request of (1), wherein a one-to-one type asset management portfolio system creating method is provided. 7. A method of creating a system for providing a one-to-one asset management service on a Web site to a client using a general-purpose browser, which is a computer-based asset management portfolio system, comprising: Storing in advance a standard action item group based on the plan, an age group scheduled to execute each action item, a standard lifestyle, a standard investment style, and a standard market value evaluation date in the first storage unit; A step of storing information on standard assets corresponding to each action item in the second storage unit; a step of timely changing the asset information in the second storage unit to the latest information; Accumulating a history of the life plan of the third storage unit in the third storage unit; Changing the individual life plan of each of the clients into the individual life plan and registering the individual life plan; storing the history of the individual asset plan in each of the clients in a fourth storage unit; A step of registering an asset plan; a step of accumulating a history of an individual asset configuration in each client in a fifth storage unit; and a step of changing and registering individual personal asset information of each client in the fifth storage unit. Performing a step of storing an individual asset balance history in the sixth storage unit for each client; registering an asset balance in the sixth storage unit; and changing an individual asset configuration for each client. History 7
Accumulating in the storage unit; registering the change of the asset configuration in the seventh storage unit; and a related change storage unit group and a change item group that are changed correspondingly in accordance with the change of the asset configuration. Registering a relational expression at the time of change in an eighth storage unit in advance; Storing the market price information in the ninth storage unit when the market price evaluation is necessary, and updating and registering the updated market price information; and configuring an optimal portfolio of assets that vary according to the market price. Accumulating, in a tenth storage unit, a history of price information in the past of the asset fluctuating according to the market price necessary for the simulation performed in the simulation; Periodically collecting prices in the tenth storage unit, and information on brands of various assets for configuring the portfolio optimal for the investment style and the lifestyle for each client. Accumulating in the eleventh storage unit, timely changing and registering information on the brands of the various assets in the eleventh storage unit to the latest information, and twelfth accumulating the access history from the client.
Storing the access history information in the twelfth storage unit at the time of access from the client; and accumulating the access count in the third storage unit at the time of access from the client. Updating and registering; adding a charging rate corresponding to the type of service provided at the time of access from the client to the total charging rate in the third storage unit; A method for creating a one-to-one type asset management portfolio system, comprising the steps of: accepting access to any client at any time and from any client who can use the terminal. 8. The one-to-one type asset management portfolio system creating method according to claim 7, wherein each of the action items of the standard action item group at each of the standard ages in the first storage unit. Searching for information of the standard asset information group corresponding to the standard action item in the second storage unit; and searching for the standard asset information matching the standard lifestyle at each standard age from the search result. Selecting; automatically creating the standard asset plan at each standard age in the future from the selected standard asset information; and determining whether or not the client has an initial access when accessing from the client. In the case of the initial access, the standard asset plan, standard lifestyle and standard investment style Displaying the standard life plan as the individual life plan, the standard lifestyle as the individual lifestyle of each client, the standard investment style as the individual investment style, Registering the standard asset plan in the third storage unit, the standard asset configuration in the fifth storage unit, and the standard asset balance in the sixth storage unit; A method for creating a one-to-one type asset management portfolio system, comprising: 9. The one-to-one type asset management portfolio system creating method according to claim 7, wherein at the time of access from the client, the automatically generated portfolio is generated by a request from the client. Reading the current asset plan information from the fourth storage unit, sending an outline of the asset plan to each of the clients, and displaying the outline; and at the time of access from the client, the automatically generated resource plan information is generated by a request from the client. Reading out the history of the asset planning information from the fourth storage unit, sending an outline of the asset planning to each of the clients, and displaying the same. Changes to the client's individual life plan, at the time Changing and setting of the cycle and date of valuation, setting and changing of the investment style and the lifestyle of the client, input change of the individual asset, and when accessing from the client In response to a request from the client, for a request to execute a market value evaluation, an asset that fluctuates at the market value is searched from the personal asset balance in the sixth storage unit, the market value is evaluated, and the total asset allowable risk rate Determining whether the value is within the range; and, as a result of the determination, when the value exceeds the range of the allowable risk ratio to the total asset, notifying the client of the fact by e-mail.・ Method of creating a two-to-one asset management portfolio system. 10. The method for creating a one-to-one type asset management portfolio system according to claim 7, 8, or 9, wherein the result of the determination is that the risk ratio exceeds the allowable risk ratio to total assets. When each of the clients notified by e-mail to the client that the individual lifestyle change or the individual investment style change or the individual life plan change has been performed, the contents of each change Registering the relevant third storage unit; automatically building the optimal asset allocation and the optimal portfolio matching the investment style when the investment style is changed; When the individual lifestyle is changed, the necessary resources for the action items in the second storage unit are changed. Searching the action information of the individual life plan from the product information to perform an optimal selection matching the individual lifestyle; and, if the individual lifestyle and the investment style are changed, the individual In the action item of the life plan, the necessary asset information corresponding to the action item in the second storage unit is searched, and the optimal selection matching the individual lifestyle is performed, and the investment style matched with the investment style is searched. Constructing the optimal asset allocation and the optimal portfolio; automatically creating the funding plan at each future age for each of the clients from the portfolio changes and the life plan changes; Change of asset composition and change of the selected asset information result The change and registration of the related item in the related storage unit are automatically reflected in each related storage unit from the information of the related storage unit group and the related item group in the eighth storage unit by the repository control function, and are changed and registered. Transmitting the change contents registered in the fourth storage unit, the fifth storage unit, the sixth storage unit, and the seventh storage unit to each of the clients by a push technique; A method for creating a one-to-one asset management portfolio system, comprising: