JP2004164241A - Support method for design/analysis of portfolio and system and program for implementing it - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To efficiently support the design/analysis and the like of portfolios while collecting assets distributed over a plurality of financial institutions and the like into one. <P>SOLUTION: The method for supporting the design/analysis of portofolios uses an account aggregation whereby information on accounts of users of a plurality of financial institutions are collected and provided on screens of the users' client computers in an aggregated manner. Sign-on to an account aggregation server is permitted based on predetermined sign-on information inputted to a sign-on screen presented to each user. The portofolios are designed and/or analyzed based on the design/analysis information inputted to the design/analysis information input screen presented to each user as well as each user's account information collected by the account aggregation server. Results of the design/analysis are presented to each user as the portofolios. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a method for supporting the design / analysis of a portfolio and a system for realizing the method. The present invention relates to a method for supporting analysis and a system for realizing the method.
[0002]
[Prior art]
With the spread of the Internet, users can easily access various sites on the Internet and exchange information. For example, in a so-called online banking service provided by a site of a financial institution or the like, a user having an account there sign-on (also referred to as “log-in”) to the site to obtain an account relating to the transaction contents of the account. Information can be browsed, and transactions such as transfer instructions can be performed by interactive operations.
[0003]
In general, users often have accounts at a plurality of financial institutions, and in order to use the services of each site, the user has to sign on to each site each time. For this reason, in recent years, an application service provider (ASP) that provides a service called account aggregation has appeared and is becoming popular. The account aggregation service is an account information aggregation and provision service. Users can browse account information of registered financial institutions on one screen with only one sign-on to the account aggregation site when using the service, so that they can save time and effort. Become. On the other hand, for sites such as financial institutions, there is an advantage that the fixation of customers (users) can be surely promoted.
[0004]
By the way, regarding the management of personal financial assets, the concept of "portfolio" has been known for some time. The term portfolio is used here to mean a method or concept for improving the efficiency of asset management while avoiding risks in consideration of assets, time, and the like. Conventionally, a user goes to a window of a financial institution or the like, and manually inputs data such as balance information of various financial assets held by the user with a so-called financial planner, deposit / withdrawal data, credit card information, etc. While confirming the user's investment goal, investment period, and risk tolerance, simulation was performed using a portfolio design / analysis support tool or the like, and the user considered his own portfolio. For example, Japanese Patent Application Laid-Open No. 2000-293569 discloses a technique for presenting a portfolio by combining a plurality of financial products for a predetermined operation period.
[0005]
[Problems to be solved by the invention]
Due to recent changes in the financial situation, general individual users have been given various options for managing their own assets, but are required to manage their assets at their own risk. For this reason, a user is inevitably required to make a transaction with a plurality of financial institutions under the name of risk diversification while selecting the financial institutions. As described above, when the tendency to conduct transactions with a plurality of financial institutions, including an online bank via the Internet, becomes remarkable, expectations for the above-described account aggregation service are expected to further increase.
[0006]
On the other hand, such diversification of assets makes it more difficult to manage the assets, and has a great adverse effect on users designing portfolios. However, at present, there has not been provided a tool that efficiently and optimally analyzes and designs a portfolio by integrally considering assets dispersed among a plurality of financial institutions.
[0007]
Therefore, an object of the present invention is to provide a tool capable of efficiently supporting portfolio design / analysis while aggregating assets dispersed in a plurality of financial institutions into one.
[0008]
[Means for Solving the Problems]
The gist of the present invention is to collect / acquire user account information of a plurality of financial institutions and the like from server computers of a plurality of financial institutions and to design / analyze a portfolio based on the account information of the users. Is to help.
[0009]
More specifically, the present invention collects user account information provided at a plurality of financial institutions or the like from server computers of the plurality of financial institutions or the like and aggregates them on a screen of a client computer of the user. A method for supporting the design / analysis of a portfolio based on the assets of the user using an account aggregation service provided in a specific manner, comprising the steps of: presenting a sign-on screen to the user and prompting the user to input predetermined sign-on information; Permitting sign-on to the account aggregation server based on the input predetermined sign-on information, and presenting a design / analysis information input screen to the user to design a portfolio based on the user's financial assets. / Stage to prompt for design / analysis information required for analysis, and design / minute Designing and analyzing a portfolio based on information and account information of the user collected by the account aggregation server, and presenting the result of the design / analysis to the user as a portfolio. This is a method to support the design / analysis of the portfolio to be made.
[0010]
Here, the portfolio design / analysis support method includes collecting account information of the user provided in a plurality of financial institutions and the like used by the user from respective server computers of the plurality of financial institutions and the like, It is preferable to further comprise the step of collectively presenting the information on the screen of the client computer.
[0011]
Preferably, the step of prompting the input of the design / analysis information preferably prompts the input of funding purpose information in the user's portfolio, and the predetermined asset based on account information collectively presented to the user. It is preferable to prompt for a class.
[0012]
Furthermore, it is preferable that the account information is financial product information and balance information held by the user.
[0013]
Furthermore, it is preferable that the step of designing / analyzing the portfolio performs a simulation on the target allocation and the current portfolio, and the step of presenting the portfolio as the portfolio presents the result of the simulation.
[0014]
The invention of the above method can be realized as an invention of a product, and can be understood as an invention of a program or a recording medium on which the program is recorded.
[0015]
That is, the present invention collects user account information provided at a plurality of financial institutions or the like from server computers of the plurality of financial institutions or the like and collectively provides them on a screen of the user's client computer. A server computer having an account aggregation function for supporting the design / analysis of a portfolio based on the assets of the user, wherein the server computer presents a sign-on screen to the user to prompt input of predetermined sign-on information. Means for permitting sign-on to the account aggregation server based on the predetermined sign-on information, and presenting a design / analysis information input screen to the user for designing / analyzing a portfolio based on the user's financial assets. A means to prompt the input of necessary design / analysis information and the input design Means for designing / analyzing a portfolio based on the analysis information and the account information of the user collected by the account aggregation server; and means for presenting the result of the design / analysis to the user as a portfolio. This is a server computer that supports the design / analysis of the portfolio.
[0016]
Further, the present invention is a program for realizing a predetermined function in a server computer that supports portfolio design / analysis based on a user's assets, wherein the program includes user account information provided in a plurality of financial institutions and the like. An account aggregation function of collecting the information from the server computers of the plurality of financial institutions, a function of presenting a sign-on screen to the user to prompt input of predetermined sign-on information, and a function of inputting the predetermined sign-on. A function of permitting sign-on to the account aggregation server based on the information, and a design / analysis information input screen presented to the user to design / analyze necessary for portfolio design / analysis based on the user's financial assets A function for prompting input of information, input design / analysis information and the The server computer realizes a function of designing / analyzing a portfolio based on the account information of the user collected by the und aggregation function and a function of presenting the result of the design / analysis to the user as a portfolio. It is a program to be.
[0017]
In this specification, the term “means” does not simply mean a physical means, but also includes a case where a function of the means is realized by software. Further, the function of one unit may be realized by two or more physical units, or the function of two or more units may be realized by one physical unit.
[0018]
BEST MODE FOR CARRYING OUT THE INVENTION
Next, embodiments of the present invention will be described with reference to the drawings. The following embodiments are exemplifications for describing the present invention, and are not intended to limit the present invention only to the following embodiments. The present invention can be implemented in various forms without departing from the gist thereof.
[0019]
FIG. 1 is a diagram for explaining an overall system for realizing the portfolio design / analysis support method according to the present embodiment.
[0020]
As shown in FIG. 1, the present system is typically realized as a client / server system using a WWW system on the Internet.
[0021]
That is, as shown in the figure, a portfolio design / analysis support server computer (hereinafter, "portfolio support server") 1, server computers 2a, 2b,... The financial institution server 2 ”) and the user's client computer 3 are mutually connected to a network such as the Internet, and are configured to be able to communicate with each other based on a WWW system.
[0022]
The portfolio support server 1 is a server computer provided by a so-called application service provider (ASP). The portfolio support server 1 is responsible for core processing when providing a portfolio design / analysis support service according to the present embodiment. Schematically, the portfolio support server 1 collects account information of the user from the financial institution etc. server 2 related to the user in response to the account aggregation request from the client 3 of the user and collectively collects the account information. In addition to providing to the client 3, the portfolio design / analysis is performed based on the account information collected in accordance with the portfolio design / analysis information, and the result is provided to the client 3. I have.
[0023]
A process or service for collecting account information and collectively providing the client information to the client 3 is called account aggregation. In order to realize such an account aggregation process, the portfolio support server 1 stores and manages a sign-on information including a user ID and a password for signing on to each of the servers 2 such as a financial institution. (Not shown).
[0024]
Note that the portfolio support server 1 may be physically configured by one computer, or may be configured by a plurality of computers in the same or different sites. For example, a computer that performs the account aggregation process and a computer that performs the portfolio design analysis process may be separately configured.
[0025]
The financial institution server 2 is a computer managed and operated by financial institutions such as banks, securities, and life insurance companies. The term "financial institution" or the like here is used in a broad sense including one that handles user financial assets (assets) necessary for portfolio design / analysis. The financial institution server 2 provides a so-called online transaction (for example, online banking) service. It should be noted that the financial institution or the like usually has a host computer that performs core business separately from the financial institution or the like server 2 that provides services via the Internet to the illustrated users, and these host computers are dedicated Although they are connected by a network, they are not directly related to the description of the present embodiment, and thus description thereof is omitted here.
[0026]
The client 3 is a computer system of a user who receives support for portfolio design / analysis according to the present embodiment. A web browser program is mounted on the client 3, and a client / server system based on the WWW system is realized between the client 3 and the portfolio support server 1.
[0027]
FIG. 2 is a block diagram illustrating a schematic function of the portfolio support server 1 according to the present embodiment. The portfolio support server 1 is typically composed of a functional element group realized by cooperation of some program element groups and hardware element groups.
[0028]
That is, as shown in the figure, the Web server 11 receives a request message by HTTP sent from the user's client 3 and performs a process corresponding to the request message, and is a server program in the WWW system. For example, when receiving a message for accessing a resource specified by a URL from the client 3, the Web server 11 transmits the Web page data 12 to the client computer 2 of the user in response to the message. . The Web server 11 is typically implemented on the server computer 1 as a daemon program called httpd.
[0029]
The web page data 12 is document data, which is designed using a page description language such as HTML, for example, and is a resource constituting a screen to be provided to the user. In other words, the Web page data 12 is interpreted by the Web browser program of the client 3 and presented on the client computer 2 as a visual Web screen. Note that the Web page data 12 may be dynamically generated by another program element in addition to the static data prepared in advance as described above.
[0030]
The browser emulator 13 is an interface that makes it appear as if the user's client 3 is directly using a Web server mounted on the server 2 such as a financial institution.
[0031]
The screen scraper 14 extracts account information by removing unnecessary data such as image data from the contents of a Web page acquired from a Web server of the financial institution server 2 or the like.
[0032]
The presenter 15 reconfigures the account information obtained from the screen scraper 14 so as to conform to the user interface of the client 3 and passes it to the Web server 11. In addition, the presenter 15 reconfigures the service request for the account aggregation service request from the client 3 via the Web server 11 so that the service request conforms to the Web server of each financial institution server 2 and the browser emulator. Hand over to
[0033]
The portfolio engine 16 simulates portfolio design / analysis based on account information obtained via the browser emulator 13 and the screen scraper 14 and portfolio design / analysis information (parameters) obtained via the Web server 11. It is. The portfolio engine 16 delivers the simulated result to the Web server 11 so as to present the result on the client 3 of the user.
[0034]
The user management database 17 includes sign-on information (hereinafter referred to as “first sign-on information”) for each financial institution of a user who wants to receive an account aggregation service and a portfolio design / analysis support service, and the portfolio support server 1. It stores sign-on information (hereinafter referred to as “second sign-on information”) including a user ID and a password necessary for signing on itself. It is preferable that the storage of such information be encrypted.
[0035]
The portfolio support server 1 configured as described above receives a request message from the user's client 3 in the Web server 11, calls another program element as appropriate, and responds to the request message by a predetermined message. Perform processing.
[0036]
FIG. 3 is a flowchart for explaining the flow of the account aggregation process in the portfolio support server 1 according to the present embodiment. In the following flowchart, for convenience, the configuration is sequential, but this is not a particular matter. Therefore, as long as no inconsistency occurs in the operation, the order of processing may be changed or the operation may be performed in parallel.
[0037]
Prior to this process, it is assumed that the portfolio support server 1 previously receives predetermined information (for example, first sign-on information) necessary for providing an account aggregation service, and registers and manages the information in a database. . Here, the predetermined information includes, for example, first sign-on information (identification code, account number and PIN code, etc.) for each financial institution with which the user is trading, and second sign-on information for account aggregation service. Sign-on information (user ID, password, etc.). FIG. 4 illustrates an example of a setting screen of the account aggregation service according to the present embodiment.
[0038]
As shown in the figure, when the portfolio support server 1 receives an access request message to the sign-on screen for portfolio design / analysis support from the client 3, Web page data constituting the sign-on screen is responded to the message. Send The client 3 that has received the Web page data presents a sign-on screen on its display and prompts the user to enter a user ID and a password (STEP 301).
[0039]
When the user inputs a user ID and a password on the presented sign-on screen and selects, for example, a sign-on button, the client 3 transmits a request message (method) including the input sign-on information to the portfolio support server. Send to 1. Thereby, the portfolio support server 1 receives the sign-on information (STEP 302), and authenticates the user with reference to the user management database 17 (STEP 303). When the user is successfully authenticated based on the sign-on information such as the user ID and the password, the portfolio support server 1 refers to the user management database 17 to check the financial status of each financial institution related to the user ID. The server 2 accesses the institution or the like server 2, receives authentication by the first sign-on information, and acquires account information of the user (STEP 304). If the authentication of the user fails, the portfolio support server 1 performs a predetermined error process or the like (STEP 306). In this case, for example, if the number of authentication failures is less than three, a sign-on screen may be presented again to prompt the user to input a user ID and a password.
[0040]
When the portfolio support server 1 collects all the account information of the user at each financial institution or the like related to the user, the portfolio support server 1 generates Web page data 12 constituting the account aggregation screen and transmits this to the client 3. . The client 3 that has received the Web page data 12 presents an account aggregation screen on the display. (STEP 305).
[0041]
In this way, the user can collectively check his or her own account information at a plurality of financial institutions or the like on one account aggregation screen. In this state, the user can further receive various kinds of transaction instructions such as portfolio design / analysis, thereby receiving support for the following portfolio design / analysis.
[0042]
FIG. 5 is a flowchart for explaining a schematic processing flow of the portfolio design / analysis support method according to the present embodiment.
[0043]
That is, as shown in the figure, the portfolio support server 1 first transmits the Web page data 12 constituting the asset class setting screen to the client 3 in accordance with the portfolio design / analysis transaction instruction by the user. The client 3 receiving this displays the asset class setting screen and prompts the user to input the asset class of the financial product held by the user (STEP 501). FIG. 6 is a diagram illustrating an example of the asset class setting screen according to the present embodiment. The portfolio support server 1 generates Web page data 12 constituting such an asset class setting screen based on the user's account information collected by the above-described account aggregation processing. As shown in FIG. 6, on the asset class setting screen, the user can set asset classes such as short-term financial assets and medium-term financial assets for each financial product for each financial institution.
[0044]
When the user sets a necessary asset class on such an asset class setting screen, for example, selects a confirmation button (not shown), the client 3 transmits a message including the set contents to the portfolio support server 1, and the client 3 transmits the message. In response to this, the Web page data 12 is transmitted to guide the user to the purpose selection screen, which is the next input step, and is presented on the display of the client 3 (STEP 502). FIG. 7 is a diagram illustrating an example of the purpose selection screen according to the present embodiment. As shown in FIG. 7, the user can select a funding objective for designing / analyzing the portfolio. The funding purpose includes, for example, retirement fund, child support, child marriage fund, and mortgage. In this example, the retirement fund is selected.
[0045]
When the user selects a funding purpose on such a purpose selection screen and then selects, for example, a confirmation button (not shown), the client 3 sends a message including the selected content to the portfolio support server 1, and the portfolio support server 1 In response, a simulation relating to portfolio design / analysis is executed (STEP 503). Various known techniques can be used for such a simulation related to portfolio design / analysis. In the present embodiment, for example, the target allocation and the current portfolio are simulated in order to present the comparison of the portfolio to the user.
[0046]
After performing the simulation, the portfolio support server 1 forms the simulation into the form of Web page data 12 and transmits the Web page data 12 to the client 3. The client 3 receiving this presents the simulation result screen to the user (STEP 504). FIG. 8 and FIG. 9 are diagrams illustrating an example of the simulation result screen according to the present embodiment. In FIG. 8, the target allocation and the current portfolio are simulated as a result of the simulation.
[0047]
As described above, according to the present embodiment, even when a user has accounts at a plurality of financial institutions, portfolio design / analysis can be easily performed based on the contents of the accounts. It has the advantage of being able to.
[0048]
【The invention's effect】
Conventionally, information on the financial assets held by the user is input over a long period of time. However, according to the present invention, the data input work time is reduced, and the assets distributed to a plurality of financial institutions are integrated into one. However, a tool that can efficiently support portfolio design / analysis can be provided.
[Brief description of the drawings]
FIG. 1 is a diagram for explaining an overall system for implementing a portfolio design / analysis support method according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a schematic function of a portfolio support server according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a flow of an account aggregation process in the portfolio support server according to the embodiment of the present invention.
FIG. 4 shows an example of an account aggregation service setting screen according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a schematic processing flow of a portfolio design / analysis support method according to an embodiment of the present invention.
FIG. 6 is a diagram showing an example of an asset class setting screen according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating an example of a goal selection screen according to an embodiment of the present invention.
FIG. 8 is a diagram showing an example of a simulation result screen according to one embodiment of the present invention.
FIG. 9 is a diagram showing an example of a simulation result screen according to an embodiment of the present invention.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Portfolio support server computer 2 ... Financial institution etc. server computer 3 ... Client computer 11 ... Web server 12 ... Web page data 13 ... Browser emulator 14 ... Screen scraper 15 ... Presenter 16 ... Portfolio engine 17 ... User management database

Claims (8)

An account aggregation service that collects user account information provided for a plurality of financial institutions or the like from server computers of the plurality of financial institutions or the like and collectively provides the information on a screen of the user's client computer is used. A method for supporting portfolio design / analysis based on the user's assets, comprising:
Presenting a sign-on screen to the user to prompt input of predetermined sign-on information;
Allowing sign-on to the account aggregation server based on the input predetermined sign-on information;
Presenting a design / analysis information input screen to the user to prompt input of design / analysis information necessary for portfolio design / analysis based on the user's financial assets;
Performing portfolio design / analysis based on the input design / analysis information and the account information of the user collected by the account aggregation server;
Presenting the result of the design / analysis to the user as a portfolio; and supporting the design / analysis of the portfolio. The user's account information provided at a plurality of financial institutions and the like used by the user is collected from respective server computers of the plurality of financial institutions and presented collectively on a screen of the user's client computer. The method of supporting portfolio design / analysis according to claim 1, further comprising the step of: The step of prompting input of the design / analysis information includes:
3. The method of supporting portfolio design / analysis according to claim 1, wherein the user is prompted to enter funding purpose information in the portfolio. The step of prompting input of the design / analysis information includes:
3. The method for supporting portfolio design / analysis according to claim 2, wherein the user is prompted to input a predetermined asset class based on the account information collectively presented to the user. 5. The method according to claim 1, wherein the account information is financial product information and balance information held by the user. The step of designing / analyzing the portfolio comprises:
Simulates target allocation and current portfolio,
Presenting as a portfolio,
The method for supporting portfolio design / analysis according to claim 1, wherein a result of the simulation is presented. An account aggregation function for collecting account information of users provided at a plurality of financial institutions or the like from server computers of the plurality of financial institutions or the like and collectively providing the information on a screen of a client computer of the user is provided. A server computer for supporting portfolio design / analysis based on the user's assets,
Means for presenting a sign-on screen to the user to prompt input of predetermined sign-on information;
Means for permitting sign-on to the account aggregation server based on the inputted predetermined sign-on information,
Means for presenting a design / analysis information input screen to the user to prompt input of design / analysis information necessary for portfolio design / analysis based on the user's financial assets;
Means for designing / analyzing a portfolio based on the inputted design / analysis information and the account information of the user collected by the account aggregation server;
Means for presenting the result of the design / analysis to the user as a portfolio. A server computer for supporting the design / analysis of the portfolio. A program that realizes a predetermined function in a server computer that supports portfolio design / analysis based on user assets,
The program is
An account aggregation function for collecting each of the user's account information provided in a plurality of financial institutions and the like from server computers such as the plurality of financial institutions,
A function for presenting a sign-on screen to the user to prompt input of predetermined sign-on information;
A function of permitting sign-on to the account aggregation server based on the inputted predetermined sign-on information,
A function of presenting a design / analysis information input screen to the user to prompt input of design / analysis information necessary for portfolio design / analysis based on the user's financial assets;
A function of designing / analyzing a portfolio based on the input design / analysis information and the account information of the user collected by the account aggregation function;
A program for causing the server computer to realize a function of presenting the result of the design / analysis to the user as a portfolio.

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