KR101408495B1 - Investment system usin collective intelligence based on action and method thereof - Google Patents

Abstract

An investment system using action based collective intelligence and method thereof are disclosed. The investment system using the action-based collective intelligence includes a collective intelligence module for storing information on investment actions of the candidate financial products and reaction actions performed on the investment actions performed from terminals of a plurality of intelligent persons, And a selection module for selecting at least one selected financial product to be incorporated in the portfolio based on the stored investment action of the candidate financial product and information on the reaction action performed on the investment action, Calculating a portfolio incorporation index for each candidate financial product based on at least one of a comment on the investment action included in the information on the reaction action or a view count on the investment action included in the information on the reaction action, Based on the estimated portfolio incorporation index, And the at least one selected financial product to be incorporated in the portfolio is selected from the financial products.

Description

[0001] Investment system using action-based collective intelligence and method thereof [0002]

The present invention relates to an investment system and method using action based collective intelligence, and more particularly, to a system and method for creating and operating a reliable portfolio using an action performed by collective intelligence, And a method of providing the same.

There are a lot of information that can be accessed through the Internet, but stock investors have difficulty in selecting investment items because of excessive information. In addition, even self-directed investors with some investment skills still need to acquire investment knowledge by consulting expert know-how.

A technical idea to solve such a problem is disclosed in a Korean registered patent (Registration No. 10-0401447, "Online securities trading system having an automatic order function linked to a leader investor", hereinafter referred to as "registered patent") filed and registered by the present applicant Lt; / RTI > The technical idea of the patent is hereby incorporated by reference herein.

Registered patents have the effect of enhancing the return of individual investors by allowing ordinary individual investors to follow or follow leaders with proven ability or ability to automatically follow the reader's portfolio.

However, even with this registered patent, the investment strategy, that is, the portfolio is determined by the judgment of one leader (intellect or intellectual in this specification), and if the reader makes a wrong decision, the loss is also transferred to the investor do.

In addition, even if an individual investor follows a plurality of leaders, the proportion of the financial instruments (e.g., stocks) selected by an individual investor can be directly bought from an account of an individual investor can be reduced, Financial products were bought from individual investors' accounts.

Therefore, it is not necessary to determine the financial product to be included in the portfolio by the individual judgment of the individual when making the investment strategy, that is, the portfolio, but the collective intelligence (for example, A system capable of reducing the risk when individual financial instruments incorporated into a portfolio are determined by any one entity (person or system), by allowing a plurality of intellectual opinions to be reflected in the portfolio And methods are required.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a system and method for determining a financial product to be incorporated in a portfolio based on an action of collective intelligence (a predetermined expert) when creating or operating an investment strategy .

In addition, the management of a stable portfolio by allowing the action of collective intelligence to be reflected in the operation of the portfolio (incorporation or exclusion of financial instruments) generated based on collective intelligence actions or by being operated based on objective returns in the market And a method thereof.

The investment system using the action-based collective intelligence according to the embodiment of the present invention for realizing the above technical idea includes an investment action by a candidate financial product performed from a terminal of a plurality of intelligent persons and information about a reaction action performed on the investment action For collecting at least one selected financial product to be included in the portfolio based on the information about the investment action of the candidate financial product and the reaction action performed on the investment action stored in the collective intelligence module Wherein the selection module includes at least one of an investment action, a comment on the investment action included in the information on the reaction action, or a hits on the investment action included in the information on the reaction action Based on the financial product portfolio, The incorporation, based on the portfolio index is characterized in that selection of the candidate of financial products of the at least one selected to be incorporated in the portfolio of financial instruments.

Wherein the collective intelligence module further stores at least one of a position of the investment action or a position of a comment on the investment action, and the selection module selects at least one of positions of the investment action or comments on the investment action And calculating the portfolio incorporation index for each of the candidate financial products by taking one more consideration into consideration.

The collective intelligence module further stores the identification information of the intelligent person performing the investment action or performing the response action, and the selection module considers the intelligent identification information of the intelligent person performing the investment action or performing the response action And calculating the portfolio incorporation index for each candidate financial product.

The selection module assigns weights to the intellectuals performing the investment action or the reaction action, and calculates the portfolio incorporation index for each candidate financial product based on the weighted value.

Wherein the position of the investment action includes one of a buy position, a neutral position, and a selling position, the position of a comment on the investment action includes one of a support position and an opposite position, The portfolio incorporation index is calculated such that the portfolio incorporation index increases when the investment action for the product is the buy position, and the portfolio incorporation index is decreased when the investment position is the sale position, and when the position of the comment on the investment action is the support position The portfolio incorporation index is calculated such that the portfolio incorporation index increases, and in the opposite position, the portfolio incorporation index is estimated to decrease.

The investment system using the action based collective intelligence further comprises an operation module for excluding at least one of the selected financial products included in the portfolio or operating the portfolio while incorporating a new financial product to be included in the portfolio, Wherein the module manages the portfolio on the basis of a new selected financial product selected by the selection module in a predetermined cycle, or calculates an upper rate of return of each of the selected financial products selected by the selection module, Or the lower-limit return rate, and operates the portfolio.

And the operating module sets the upper-limit return rate or the lower-limit return rate to be changed based on a predetermined reference index or a market condition.

The investment system using the action-based collective intelligence is characterized in that the portfolio including the selected financial product selected by the selection module is linked with an account of a predetermined investor so that the account of the investor follows a change in the portfolio And may further include a mirroring module.

According to an aspect of the present invention, there is provided an investment method using an action-based collective intelligence, comprising the steps of: receiving an investment action by a candidate financial product performed by a plurality of intelligent persons, Storing at least one selected financial product to be incorporated in the portfolio based on the information on the investment action of the candidate financial product and the reaction action performed on the investment action stored in the investment system using the action based collective intelligence, Wherein the step of selecting at least one selected financial product to be included in the portfolio includes a step of selecting an investment action based on the action action based on the investment action and the action action included in the information on the action Comment on the response action, or information on the response action Calculating a portfolio incorporation index for each of the candidate financial products based on at least one of the number of views for the investment action included in the financial product, And selecting the at least one selected financial instrument to be included in the portfolio.

The action-based collective intelligence investment method is characterized in that the investment system using the action-based collective intelligence manages the portfolio by excluding at least one of the selected financial products included in the portfolio or incorporating a new financial product to be included in the portfolio Wherein the step of operating the portfolio comprises the steps of operating the portfolio based on a new selected financial product selected by the investment system using the action based collective intelligence at predetermined periods or using the action based collective intelligence And operating the portfolio by comparing an upper limit rate of return or a lower limit rate determined in a predetermined manner with the rate of return of each of the selected financial products in which the investment system is selected.

Based on the action-based collective intelligence, the portfolio including the selected financial product selected by the investment system using the action-based collective intelligence is linked to the account of a predetermined investor, and the change of the portfolio is recorded in the account of the investor So that it can follow up.

The investment method using the action-based collective intelligence can be stored in a computer-readable recording medium on which the program is recorded.

According to the technical idea of the present invention, each of the financial products (items) included in the portfolio can be determined based on the action of the collective intelligence, The investment risk can be lowered as compared with the case where it is judged by the subject (individual or system) and incorporated into the portfolio.

In addition, we can select the items to be included in the portfolio by weighting according to the intelligence of the collective intelligence or the intelligence that performs the specific action among the collective intelligence performed by the collective intelligence. Therefore, according to the action of the individual intelligence, We can reflect the aggressiveness of each investment opinion objectively in the index to be used for the selection of financial products and reflect the investment ability which can be different between collective intelligences objectively to reflect on the index have.

Also, in the operation of the generated portfolio, it is effective to enable safe operation by reflecting actions of collective intelligence or to enable stable operation based on objective rate of return.

In addition, since the portfolio generated and / or operated by collective intelligence actions can be reflected in the investment strategy of individual investors, the investment strategy determined by collective intelligence can be utilized as an investment strategy of individual investors .

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are included to provide a further understanding of the technical idea of the present invention, are as follows.
1 is a diagram showing a schematic configuration of an investment system using action-based collective intelligence according to the technical idea of the present invention.
FIG. 2 is a view for explaining a method of collecting information on action of collective intelligence according to an investment method using action-based collective intelligence according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a method for objectively determining a financial product to be incorporated in a portfolio using collective intelligence actions according to an embodiment of the present invention.
4 is a view for explaining a method of operating a generated portfolio according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating an embodiment of a mirroring module for allowing a portfolio created and operated according to an embodiment of the present invention to be reflected in an investment strategy of an individual investor. .

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.

Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a diagram showing a schematic configuration of an investment system using action-based collective intelligence according to the technical idea of the present invention.

Referring to FIG. 1, an action-based collective intelligence-based investment system 100 according to an embodiment of the present invention may include a collective intelligence module 110 and a selection module 120. The investment system 100 using the action-based collective intelligence may further include an operation module 130 and / or a mirroring module 140.

The investment system 100 using the action-based collective intelligence can collect information about actions performed by each of a plurality of intelligent terminals (for example, 200 and 210). To this end, the intelligent terminals 200 and 210 and the investment system 100 using the action-based collective intelligence transmit / receive predetermined information through a direct wired / wireless network to perform actions performed by the intelligent terminals 200 and 210, respectively Can collect information about According to an embodiment of the present invention, the intelligent terminals 200 and 210 may communicate with an object (e.g., an order system 300) of an action (e.g., a purchase order) performed by the intelligent terminals 200 and 210, Information on the corresponding action (e.g., type of sale, sale item, weight, etc.) may be collected.

In this specification, an action performed by an intellectual person through his or her terminal (for example, 200 or 210) may be, for example, a trading behavior of a predetermined financial product. (For example, a web site, a bulletin board, or the like) of a predetermined financial product or a predetermined financial product (for example, a buy opinion, a neutral opinion, or a sell opinion). The medium may be a medium provided by the investment system 100 using the action-based collective intelligence or may be a medium independently implemented from the investment system 100 using the action-based collective intelligence. Preferably, the medium is capable of collecting and storing information about intelligent actions. For example, the intellectual may perform an action (e.g., making an investment comment, making a comment, viewing, etc.) directly on the medium or may perform an action (e.g., order system 300) (For example, a sale activity) from the service provider. In this specification, for convenience of description, the medium is a medium provided by the collective intelligence module 110, but the scope of the present invention is not limited thereto. In the end, the act of trading a given financial instrument or actively promoting its own opinion on a given financial instrument is defined as an investment action in this specification.

The intellectual may refer to a person belonging to a specific group that is classified in a predetermined manner. The particular group may be a member of a particular agency or company, or may refer to a person with certain qualifications. Or a person with a certain level of investment ability. According to one embodiment, the intellectual may refer to a private banking person in charge of a specific securities company.

The investment system 100 using the action-based collective intelligence may perform a predetermined procedure for specifying the intelligent person in advance. For example, it is possible to check the investment performance through actual investment or virtual investment for a certain period of time, and to set only the investor whose confirmed investment ability is above a certain level (for example, the return rate is above a certain level, have. Alternatively, an expert or a specific employee selected by the operating entity of the investment system 100 using the action-based collective intelligence may be specified as the intelligent person.

On the other hand, the intelligent person may perform a predetermined action on the investment action of the other intelligent person. For example, an action may be performed to comment on the medium of a seller's own financial activity or to comment on his / her opinion (for example, support or objection) about the development of the investment opinion. Or, simply inquiring information about investment actions of other intellectuals is an action of intellectuals themselves. This is because, as will be described later, even if information on an investment action such as a trading activity or a suggestion of an investment recommendation is recorded on a predetermined medium, if there is interest in the specific financial product, Because the case is common. The predetermined action (for example, comment or inquiry) on the investment action of the other intellectuals is defined as a reaction action in this specification.

Further, when any one of a plurality of intellectuals performs an action on a predetermined financial product, the financial product is defined as a candidate financial product. Among these candidate financial products, a financial product selected by the technical idea of the present invention is defined as a selected financial product.

Then, the investment system 100 using the action-based collective intelligence collects information on an action performed by each of the plurality of intelligent persons, and selects at least one selected financial product to be incorporated in the portfolio based on the collected information . In the present invention, a financial product includes not only a stock but also at least one of other securities (for example, debt securities, equity securities, beneficiary certificates, investment contract securities, derivatives-linked securities, and / It may be a commodity.

According to one embodiment, the investment system 100 using the action-based collective intelligence can select a selected financial product only by an investment action performed by a plurality of intelligent persons. Alternatively, the investment system 100 using the action-based collective intelligence may select the selected financial product considering the reaction action performed by a plurality of intelligent persons in addition to the investment action.

In any case, the investment system 100 using the action-based collective intelligence can estimate a predetermined index, that is, a portfolio incorporation index, used for evaluating whether or not each candidate financial instrument is incorporated in the portfolio. And the selected financial product may be selected based on the calculated portfolio incorporation index for each candidate financial product. The method of calculating the portfolio incorporation index for each candidate financial product and the parameters that can be considered at this time will be described later.

In the case where the selected financial product is selected in this manner, each of at least one selected financial products to be included in the portfolio can be selected based on the actions of a plurality of intellectuals, so that any one entity (person or system) And the risk of an individual financial product may be lowered compared to a case where a new portfolio is created by selecting a financial product in a predetermined manner in each of the portfolios in which the generated portfolios are combined or created in a predetermined manner have.

Meanwhile, the portfolio generated by the technical idea of the present invention needs to be operated. That is, it is necessary to perform the process of excluding a financial product existing in the portfolio from the portfolio or incorporating a new financial product into the portfolio. According to the technical idea of the present invention, the operation of such a portfolio can also be based on collective intelligence actions as described below. Alternatively, the portfolio may be operated based on the yield of each of the financial instruments included in the current portfolio. In the case where the portfolio is operated based on the return rate, the control of the investment profit or the investment loss according to the portfolio can be stably performed.

Further, according to the technical idea of the present invention, a technical idea is provided that enables the portfolio created and / or operated as described above to be used as an investment strategy of individual investors. This technical idea is based on the above-mentioned registered patent, the Korean patent application filed by the present applicant (Application No. 10-2011-0012968, "Leader Investor Interlocked Securities Trading System and Method of Providing ", Korean Patent Application No. 10- 2011-0035970, "Personalized Leader Investor Interactive Stock Trading System and Method for Providing the Same") can be referred to as a reference. The above-mentioned patents and Korean patent applications can be included as a reference of the present invention and can be treated as described in this specification. Therefore, according to the technical idea of the present invention, the portfolio may be copied to an account of an individual investor as it is, or a model portfolio converted by a predetermined modeling rule may be copied to the investor's account. Also, it may be accepted as an investment strategy of an individual investor only if any one of the portfolio or the model portfolio satisfies a predetermined personalization rule set by an individual investor.

Hereinafter, the technical idea of the present invention will be described more specifically with reference to FIG.

As described above, the action-based collective intelligence-based investment system 100 according to the embodiment of the present invention includes at least the collective intelligence module 110 and the selection module 120. A portfolio may be generated by the collective intelligence module 110 and the selection module 120. That is, a selected financial product to be included in the portfolio may be selected. In addition, the investment system 100 using the action-based collective intelligence may further include an operation module 130. The operational module 130 may operate the portfolio generated by the collective intelligence module 110 and the selection module 120. In addition, the investment system 100 using the action-based collective intelligence may further include a mirroring module 140. The mirroring module 140 may link the portfolio to an individual investor's account as described above.

The investment system 100 using the action-based collective intelligence may be included in a predetermined securities company system or may be implemented separately from the securities company system to implement the technical idea of the present invention while transmitting and receiving predetermined information to and from the securities company system.

The ordering system 300 receives an order output from the intelligent terminal 200 or 210 or the investment system 100 using the action based collective intelligence and transmits the order to a predetermined order concluding system System, etc.). ≪ / RTI > According to one example, the ordering system 300 may be a brokerage system.

Herein, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention. Thus, the module refers to a combination of hardware and software that performs the functions defined herein, and does not imply any particular physical configuration.

In addition, the investment system 100 using the action-based collective intelligence may mean a logical configuration having hardware resources and / or software necessary for implementing the technical idea of the present invention, And does not mean a single device. That is, the investment system 100 using action-based collective intelligence may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention, May be implemented as a set of logical structures for implementing the technical idea of the present invention by performing respective functions. In addition, the investment system 100 using the action-based collective intelligence may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention.

For example, each of the collective intelligence module 110, the selection module 120, the operation module 130, and / or the mirroring module 140 may be located in different physical devices, You may. Also, depending on the embodiment, the combination of the software and / or hardware constituting each of the collective intelligence module 110, the selection module 120, the operation module 130, and / or the mirroring module 140 Configurations located in different physical devices and located in different physical devices may be organically coupled to each other to implement each of the modules.

The collective intelligence module 110 may collect information about actions performed by the plurality of intelligent terminals 200 and 210, respectively. The information on the action may be an investment action or a reaction action as described above. For this, the collective intelligence module 110 may provide a predetermined medium for collecting information on the action. An example of this is shown in Fig.

FIG. 2 is a view for explaining a method of collecting information on action of collective intelligence according to an investment method using action-based collective intelligence according to an embodiment of the present invention.

Referring to FIGS. 1 and 2, a predetermined medium (for example, a web bulletin board) may be provided to implement the technical idea of the present invention. The medium may be provided by the collective intelligence module 110 as described above, or may be a medium separately provided from the investment system 100 using the action-based collective intelligence. In this case, the collective intelligence module 110 may organically combine with a system (e.g., a web server) that provides the medium to collect information about actions of the intelligent people stored in the medium.

The collective intelligence module 110 may include a plurality of intelligent investors 200 and 210 and a plurality of intelligent investors 110. The collective intelligence module 110 may be configured to perform a plurality of intelligent investors' As well as information about the action performed on the response. That is, the collective intelligence module 110 may store information about an action while operating the medium as shown in FIG. If the action is a marketing activity performed by a certain intelligent person, the information corresponding to the marketing activity may be received from the order system 300 and stored. Alternatively, after the intelligent person conducts the direct marketing activity, You can upload information about your trading behavior.

The medium may publish information about the action so that the investment action 10 can be distinguished as shown in FIG. The investment action 10 may be a trading activity or a posting of an investment recommendation as described above. The information about the investment action shown in FIG. 2 (for example, information on an A-type stock / sell, B-stock / buy, C-stock / It may be an investment comment posted on the media. Depending on the implementation, each of the investment actions 10 may be classified as a trading activity or an investment opinion and may be posted on the medium.

On the other hand, information on the performer (for example, intelligent person 1, intelligent person 2, intelligent person 3, intelligent person 4, 11) performing the action may be posted on the medium. FIG. 2 shows a case where information on the performer 11 performing the investment action 10 is posted, but information on the performer who performed the action actions 12 and 13 may be posted on the medium, . In any case, the collective intelligence module 110 may also store information about the performer 11 who performed the investment action 10 and / or the performer who performed the action 12,13. To this end, the collective intelligence module 110 may require the user to perform authentication such as log-in to perform a predetermined action on the medium. According to an embodiment, the collective intelligence module 110 may be configured such that when the same intelligent person performs a plurality of actions on the same financial product within a certain period of time, or when a plurality of reactive actions are performed on the same investment action, Of investment actions or only one response action may be reflected in the portfolio incorporation index.

In addition, the collective intelligence module 110 may collect and store information about reaction actions (for example, comment 12, inquiry 13) performed by intelligent people on a predetermined investment action. The information on the reaction action may mean the content and the number of the reaction action. The content of the reaction action may refer to the position of the investment action. That is, it may mean whether or not to support the investment action. Of course, in the case of a response action that simply inquires an investment action, information on the position may not exist separately. Meanwhile, the collective intelligence module 110 may collect information about the time 14 at which each action was performed. FIG. 2 shows a case where information on the execution timing 14 of each investment action 10 is posted through the medium. However, information on the timing when each of the reaction actions 13 and 14 is performed It is a matter of course that intelligence module 110 can collect.

As described above, an investment action (posting of trading or investment recommendation) for each of the financial products corresponding to the investment actions 10, that is, candidate financial products (for example, A, B, C and D) Once the information about the response action (comment 12 or inquiry 13) is collected, the selection module 120 may select at least one selected financial instrument to be incorporated into the portfolio based on the collected information.

To this end, the selection module 120 may include in the information about the investment action 10, the comment about the investment action 12 included in the information about the reaction action 12, 13, And the number of views (13) for the investment action. The selection module 120 may then select the at least one selected financial instrument to be included in the portfolio of the candidate financial instruments based on the calculated portfolio incorporation index.

An example in which the selection module 120 calculates the portfolio incorporation index will be described in detail with reference to FIG.

FIG. 3 is a diagram for explaining a method for objectively determining a financial product to be incorporated in a portfolio using collective intelligence actions according to an embodiment of the present invention.

Referring to FIGS. 2 and 3A, the selection module 120 determines whether or not the purchase action (buying action, posting BUY feedback) among the investment actions performed by the intelligent persons within a predetermined period (for example, one week) A portfolio incorporation index of a predetermined item can be calculated based on a reaction action (comment, inquiry) for the buy action.

FIG. 3A shows a method of calculating a portfolio incorporation index for a specific number of sheets of action. Weight values (a, b, c) may be assigned to each action. In general, the weight (a) of the investment action can be given higher than the weight (b, c) of the reaction action, and the weight (b) of the comment in the reaction action can be given higher than the weight (c) of the hit.

Then, the portfolio incorporation index for any one purchase action can be expressed by an equation as shown in FIG. 3A. In this manner, the portfolio incorporation index is calculated for all purchase actions for a particular candidate financial instrument (for example, item B) performed within a predetermined period, and the sum of these is added to the value of the candidate financial instrument And can be estimated as a portfolio incorporation index.

Meanwhile, the portfolio incorporation index can be calculated in the same manner as in FIG. 3A for the sell actions performed on the candidate financial product (for example, the item B) within the same period. However, the portfolio incorporation index for sale actions may have different sign values from the value of the portfolio buy-in index for the buy action. Then, the value obtained by adding the portfolio incorporation index of the selling action to the portfolio incorporation index of the buying action may be finally calculated as the portfolio incorporation index of the candidate financial product (for example, the stock B).

Meanwhile, the estimation module 120 may calculate the portfolio incorporation index by considering the performers of each action and / or the position of each action while calculating the portfolio incorporation index for each investment action. The position of the investment action during the action may indicate, for example, a buy position, a neutral position, or a sale position. In this case, the position of the investment action estimates the portfolio incorporation index of a particular candidate financial instrument by summing the portfolio incorporation indices for each investment action position (i.e., the sum of the portfolio incorporation indices of each of the investment actions having the same position) Can be considered.

In addition, the position of the comment may be a position indicating whether or not to support the investment action corresponding to the comment. A value having the same sign as the exponent value (weight) (for example, a) of the investment action may be assigned to the value of the position.

For example, if the index value of the BUY rating is 5, the index value of the comment on the BUY opinion is 2, and the index value of the inquiry about the BUY opinion is 1, a, b, and c in FIG. Can be set. At this time, the position index value of the comment supporting the buy comment can be set to, for example, 1, and the position index value of the opposite comment can be set to, for example, -1. Therefore, if there are a large number of opposing comments on a specific buyer's opinion, the value of the portfolio incorporation index corresponding to the buyer's opinion may be lowered.

In addition, an index value can be set for each position of an investment action. For example, if the index value of the buy-out opinion is 5, the index value of the neutral opinion may be set to 1, and the index value of the sell-out opinion may be set to -5. According to an embodiment, both the exponent value of the neutral opinion and the exponent value of the response actions to the neutral opinion may be set to zero. That is, the neutral opinion may be set not to be reflected in the portfolio incorporation index.

On the other hand, the weight of the action performer can be set based on the investment performance of the action performer. Investment skills can be assessed in a variety of ways. For example, an action performer's weight may be set based on the actual investment or the performance of the virtual investment for a predetermined period of time. The more intellectuals who are evaluated as having good investment, the higher the weighting can be set. Therefore, the action of intellectuals with good investment ability can have more influence on the portfolio incorporation index.

Then, the portfolio incorporation index for one buy action of item B shown in FIG. 2 may be as shown in FIG. 3B. Here, i represents an index of a comment on the buying action, and j represents an index of the hit number. Also, the weight of the intelligent person i may be the weight of the intelligent person who made the i-th comment, and the weight of the intelligent person j may be the weight of the intelligent person who made the j-th inquiry. In this manner, the portfolio incorporation index of the item B can be finally obtained by calculating the portfolio incorporation index for each investment action for the item B within a predetermined period, and summing up the portfolio incorporation index.

It will be readily apparent to one of ordinary skill in the art that the values of each of the above parameters can be variously set according to an embodiment.

Then, the selection module 120 can select a predetermined number of candidate financial products having a high portfolio incorporation index (e.g., 10) as the selected financial products.

When the selected financial product is determined by the selection module 120, the selection module 120 can determine the weight to be included in the portfolio for each selected financial product. At this time, the predetermined number of the selected financial products is selected from the candidate financial products having the highest portfolio incorporation index, and the proportion of each selected financial product may be the same. However, in such a case, it may result in not using all of the meanings of the portfolio incorporation index, which is determined by collective intelligence. Accordingly, the selection module 120 determines the weight of the selected financial products based on the portfolio incorporation index, thereby maximizing the weight of the financial products preferred by the collective intelligence, thereby maximizing the opinions gathered by the collective intelligence There is an effect that can be.

For example, if a predetermined number of candidate financial products are selected as a selected financial product, the weight of the selected financial product can be determined according to the ratio of the portfolio incorporation index of each selected selected financial product. Of course, at this time, a suitably approximated ratio may be used as needed. In some implementations, the number of selected financial instruments to be included in the portfolio is not predetermined, and after ranking according to the portfolio incorporation index, a search for a financial instrument in which the difference in the portfolio incorporation index is relatively larger than the next candidate financial instrument It is possible to select only the candidate financial instruments that have been searched for as the selected financial instruments to be included in the portfolio.

If the portfolio is selected based on the collective intelligence action (i.e., the selected financial product to be incorporated in the portfolio is selected), the operation module 130 can operate the portfolio. In this specification, operating the portfolio may mean performing a series of processes to exclude financial instruments included in the portfolio or to incorporate a new financial instrument into the portfolio.

An example of this is shown in Fig.

4 is a view for explaining a method of operating a generated portfolio according to an embodiment of the present invention.

Referring to FIG. 4A, the operation module 130 may operate a predetermined first portfolio including a selected financial product selected by the selection module 120. The first portfolio may be a portfolio selected using information on actions to be collected based on actions performed by collective intelligence, as described above for a predetermined first period of time. The operating module 130 may then control the collective intelligence module 110 and / or the selection module 120 to select a new portfolio, i.e., a second portfolio, again after a predetermined time period of the first period . For example, if the first period is one week and the first portfolio (e.g., A, B, C) is generated by the estimation module 120, the first portfolio may be maintained for a predetermined period. After the predetermined period of time, the operation module 130 may request the estimation module 120 to calculate a new portfolio. At this time, a new portfolio, e.g., a second portfolio (e.g., A, C, D) may be generated based on information about actions collected during the second period after the first period. Depending on the implementation, the first period and the second period may be partially overlapped.

Then, the operation module 130 can set the portfolio to operate the second portfolio. That is, in the example shown in FIG. 4, the operation module 130 can exclude the item B in the first portfolio, and can newly incorporate the item D.

As such, the operational module 130 may be based on collective intelligence actions as described above in the operation of the portfolio. Therefore, the inclusion or exclusion of any one item can be effected as a result of a plurality of opinions of the intellectuals synthesized.

Meanwhile, the operation module 130 can operate the portfolio based on a return rate that can be evaluated as an objective numerical value. In such a case, the profit or loss can be controlled in the portfolio operation since the realization of the profit or the standard of the profit or loss can be clearly established.

An example of this is shown in FIG. 4B. For example, the predetermined portfolio A, B, C, and D are selected in the selection module 120, and the yield of each financial product included in the portfolio is 6%, 2%, -4% , -1%. The operation module 130 may set the upper limit rate and the lower limit rate in advance. In FIG. 4B, the upper limit return rate is 7% and the lower limit return rate is -5%.

Then, the operation module 130 may monitor the yield of each financial instrument (A, B, C, D) included in the portfolio. For example, assuming that the yield of all financial instruments increases by 2%, the financial instrument (A) may be excluded from the portfolio at the time of 7% return. The yields of the remaining financial products B, C, and D are as shown in FIG. 4B.

On the other hand, assuming that the yield of all financial products falls by 2% in the current portfolio (A, B, C, D), when the financial product (C) May be excluded from the portfolio, and the remaining financial products (A, B, D) are maintained in the portfolio. The profit rate of each song is as shown in the right side of FIG. 4B.

If the specific financial product is excluded by the operation of the operation module 130, the operation module 130 may transmit the selected financial products to the selection module 120, The number of financial products can be re-selected. In this case, of course, as described above, after calculating the portfolio incorporation index of each candidate financial product, a predetermined number of financial products can be selected as the selected financial product in descending order of the portfolio incorporation index based on the estimation result, have.

Meanwhile, the operation module 130 may set at least one of the upper rate of return or the lower rate of return as a fixed value as described above, but the operation module 130 may set a predetermined standard index (for example, Dow Jones Index, etc.) or market conditions (such as ascending or descending). For example, when the upside is determined to be an uplift or is to be increased as a whole according to a predetermined judgment method determined by the reference index, the upper limit return rate may be set to be higher than the upper limit return rate. Conversely, if a decline is anticipated, it may be set lower than the lower-limit return. Of course, we can set the lower limit return rate higher than the lower limit return rate. In this case, if the upper limit or the lower limit is changed adaptively, it is possible to control the profit or loss variably according to the market situation.

Meanwhile, the mirroring module 140 may link the portfolio including the selected financial product selected by the selection module 120 with an account of a predetermined investor. The linking with the investor's account means that the portfolio selected by the selection module 120 is copied directly to the investor's account or a predetermined portfolio determined based on the portfolio, It can mean making it possible to replicate it to an account.

In addition, the mirroring module 140 may allow the investor's account to follow a change in the portfolio (or model portfolio based on the portfolio) when the portfolio is operated on the operation module 130. [

This technical idea is based on the above-mentioned prior Korean patent applications filed by the present applicant, namely Korean patent application (Application No. 10-2011-0012968, "Reader Investor Interlocked Stock Trading System & ), Korean Patent Application (Application No. 10-2011-0035970, "Personalized Reader Investor Interlocked Stock Trading System and Method for Providing the Same"), and will be briefly described with reference to FIG. The technical ideas and descriptions included in the above-mentioned patents and earlier Korean patent applications can be treated as described herein.

FIG. 5 is a diagram illustrating an embodiment of a mirroring module for allowing a portfolio created and operated according to an embodiment of the present invention to be reflected in an investment strategy of an individual investor. .

5, the mirroring module 140 replicates the portfolio generated by the selection module 120, and when the portfolio is operated by the operation module 130, You can follow. In this case, the mirroring module 140 may serve as the system disclosed in the aforementioned patent.

Meanwhile, the mirroring module 140 may include a modeling module 141. The modeling module 141 may generate a model portfolio by changing a portfolio generated by the selection module 120 and a portfolio changed by the operation module 130 according to a predetermined modeling rule. Of course, if the portfolio meets the modeling rules, the portfolio and model portfolio may be the same. The modeling rule may be set by a principal operating an investment system 100 using the action-based collective intelligence, that is, an operation station. An example of such a modeling rule and an example of a model portfolio are disclosed in detail in Korean Patent Application (Application No. 10-2011-0012968, "Leader Investor Interlocked Stock Trading System and Method of Providing" . If the modeling module 141 generates a separate model portfolio and the generated model portfolio is linked to the investor's account, the portfolio does not have to be disclosed to individual investors as it is, Even if the selected financial product is selected by the modeling rule, it can be filtered if it is judged to be dangerous.

The mirroring module 140 may further include a personalization module 142. The personalization module can link the portfolio or the model portfolio to an individual investor's account only when the personalization module meets the personalization rule set by the individual investor selected to be linked with the portfolio. An example in which such personalization rules and personalization rules are applied is disclosed in detail in Korean patent application (Application No. 10-2011-0035970, "Personalized Reader Investor Interlocked Stock Trading System and Method for Providing It" It is omitted. In the case where the personalization rule is applied as described above, only the investment strategy of a part of the portfolio generated and operated by the collective intelligence can be accommodated by the individual investor's account, and the investment strategy of the remaining part can be set according to the investment propensity of the individual have. In addition, even the above-mentioned portfolio has an effect of filtering an investment strategy that an individual does not want.

The action-based collective intelligence-based investment method according to an embodiment of the present invention can be implemented as computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (14)

A collective intelligence module for storing information on investment actions by candidate financial products performed on terminals of a plurality of intelligent persons and information on reaction actions performed on the investment actions; And
And a selection module for selecting at least one selected financial product to be incorporated in the portfolio based on the information on the investment action of the candidate financial product stored in the collective intelligence module and the reaction action performed on the investment action,
The selection module comprises:
Based on a comment on the investment action included in the information on the investment action and the reaction action, and selectively based on the number of views on the investment action included in the information on the reaction action, And the at least one selected financial instrument to be incorporated in the portfolio of the candidate financial instruments is selected based on the calculated portfolio incorporation index calculated using the action based collective intelligence.
The system according to claim 1, wherein the collective intelligence module comprises:
Further comprising at least one of a position of the investment action or a position of a comment on the investment action,
The selection module comprises:
Based on the at least one of the position of the investment action and the position of the comment on the investment action, the portfolio incorporation index for each candidate financial product is calculated.
The system according to claim 1, wherein the collective intelligence module comprises:
Further stores the identification information of the intelligent person performing the investment action or performing the reaction action,
The selection module comprises:
Based on collective intelligence information of the candidate financial products, or by considering the identification information of the intelligent person performing the investment action or the reaction action, and calculating the portfolio incorporation index for each candidate financial product.
4. The apparatus of claim 3,
Wherein the action-based collective intelligence system is configured to assign the weights to the intellectuals performing the investment action or the reaction action, and to calculate the portfolio incorporation index for each candidate financial product based on the weighted value.
3. The method of claim 2, wherein the position of the investment action includes one of a buy position, a neutral position, and a selling position, the position of the comment on the investment action includes one of a support position and an opposite position,
The selection module comprises:
The portfolio incorporation index is calculated such that the portfolio incorporation index increases when the investment action for the predetermined financial product is the buy position, and the portfolio incorporation index is decreased when the investment position is the sell position,
If the position of the comment on the investment action that is the buy position is the support position, the portfolio incorporation index is estimated to increase, and when the position of the comment on the investment action that is the buy position is the opposite position, the portfolio incorporation index is estimated to decrease Based on collective intelligence.
2. The apparatus of claim 1,
Wherein the weight of the selected financial product to be included in the portfolio is determined based on each of the at least one selected portfolio-specific financial product investment index.
The system of claim 1, wherein the action-based collective intelligence-
Further comprising an operation module for excluding at least one of the selected financial products included in the portfolio or operating the portfolio while incorporating a new financial product to be included in the portfolio,
The operating module includes:
Operating the portfolio on the basis of a new selected financial product selected by the selection module for every predetermined period,
And the portfolio is operated by comparing the return rate of each of the selected financial products selected by the selection module with the upper limit return rate or the lower limit return determined in a predetermined manner.
8. The system of claim 7,
Wherein the upper limit return rate or the lower limit return rate is set to be changed based on a predetermined reference index or a market condition.
The system of claim 1, wherein the action-based collective intelligence-
And a mirroring module for causing the investor's account to follow a change in the portfolio by linking the portfolio including the selected financial product selected by the selection module with an account of a predetermined investor, Investment system using.
Storing information on an investment action by a candidate financial product performed on a terminal of a plurality of intelligent people and a reaction action performed on the investment action, based on the action based collective intelligence; And
And selecting at least one selected financial product to be incorporated in the portfolio based on the information on the investment action of the candidate financial product and the reaction action performed on the investment action stored in the investment system using the action based collective intelligence ,
Wherein the step of selecting at least one selected financial instrument to be incorporated in the portfolio comprises:
Based on the comment on the investment action included in the information on the investment action and the reaction action, and the number of views on the investment action included in the information on the reaction action Calculating a portfolio incorporation index for each candidate financial product based on the portfolio addition index; And
And selecting the at least one selected financial instrument to be incorporated in the portfolio of the candidate financial instruments based on the portfolio incorporation index for which the investment system based on the action based collective intelligence is estimated. Way.
11. The method of claim 10, wherein the action-
Further comprising the step of determining a specific weight for each of the selected financial products based on each of the at least one selected financial product-specific portfolio incorporation index, based on the action-based collective intelligence.
12. The method of claim 11, wherein the action-
The investment system using the action based collective intelligence further comprises the step of excluding at least one of the selected financial products included in the portfolio or operating the portfolio while incorporating a new financial product to be included in the portfolio,
Wherein the step of operating the portfolio comprises:
Operating the portfolio based on a new selected financial product whose investment system using the action-based collective intelligence is selected in a predetermined cycle; or
And operating the portfolio by comparing the return rate of each of the selected financial products selected by the investment system using the action based collective intelligence with the upper limit return or the lower limit return determined in a predetermined manner An Investment Method Using Action Based Collective Intelligence.
11. The method of claim 10, wherein the action-
Further comprising the step of causing the investor's account to follow a change in the portfolio by linking the portfolio including the selected financial product with the investment system using the action-based collective intelligence to an account of a predetermined investor Investment method based on collective intelligence.
A computer-readable recording medium recording a program for performing the method according to any one of claims 10 to 13.

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