KR101458040B1 - Method for Smart Asset Management - Google Patents

Abstract

A method for performing smart asset management through a smart asset management system including a user terminal, a smart asset management server, and a network communication network, the method comprising the steps of: And setting the My Portfolio as the My Portfolio, setting the My Portfolio to the same as the recommended Portfolio, or copying the data of the Recommended Portfolio and modifying the copied data to set the My Portfolio as the My Portfolio, To the smart asset management server through the network communication network; Wherein the smart asset management server includes performing a procedure including a sales procedure for performing a sale according to a my portfolio and a sales signal received from the user terminal.

Description

[0001] The present invention relates to a smart asset management system,

The present invention relates to a smart asset management system (FAM) and a method thereof, and more particularly, to a smart asset management system and a method thereof, and more particularly, to a user terminal using a mobile trading system (MTS) (Sell and buy) system that performs selling and buying in real time according to a user's intention.

Recently, stock trading has changed from stock trading using a PC-based home trading system (HTS: Home Trading System) to stock trading using a mobile trading system (MTS: MTS). This is because real-time inquiry and stock trading can be done in the same environment as PC, and it is not restricted by place. Mobile trading systems that can buy and buy stocks online are increasingly gaining momentum as users of smart phones, tablet PCs, PDAs, and other devices that can access the Internet at anytime and anywhere are increasing. For example, according to the stock exchange, the amount traded on the mobile trading system reached 240 trillion won from January to November 2011. Trading value for the same period in 2010 is nearly three times higher than 81 trillion won.

As interest in mobile securities trading, which can buy and buy stocks online through MTS, has increased, each securities company is trying to attract user terminal users who use mobile securities trading. In order to conduct the securities transaction using the above-mentioned MTS, a dedicated application (application, hereinafter referred to as "app") for the mobile securities transaction, which is produced and distributed by each securities company, should be installed in the user terminal of the user. At this time, the user terminal must establish a communication environment capable of performing network communication network communication such as the Internet. When the user executes an application installed in the user terminal, the user terminal is connected to the main server of the securities company through the network communication network, and then can buy or sell the desired stock according to the input key operation of the users. Here, the main server of each securities company is connected to the stock exchange and performs stock trading in real time according to the intention of the user. In addition to selling and buying stocks, apps that can deal with mobile stock trading include stock price information search functions such as information that users want, that is, current price and volume of stocks of the stocks desired by the user, a portfolio composed of users' Portfolio), and you can check diagram information and stock market information according to stock price fluctuation.

In the conventional mobile stock trading application, in order to construct a portfolio for asset management, a user selects a stock item recommended by a securities company or an item of interest of the user, There was a problem in that the user was required to confirm the maximum amount of the order that can be purchased and manually configure the system by selling or buying. In addition, since the composition of the stock portfolio is diversified according to the investment propensity of each individual user, there are many difficulties in constructing a stock portfolio suitable for his tendency.

For example, the investment propensity of each individual user can be classified as follows. Stable type that does not want loss on investment principal, minimizes the risk of loss of investment principal, stabilization type that aims stable investment of interest income or dividend income level, investment risk level If you can expect higher profit than deposits and savings, you will be able to risk a certain level of risk. Risk-neutral type. Investors who are willing to invest a significant portion of their funds in risky assets such as stocks, equity funds or derivatives are seeking higher levels of return on investment that far exceed market average returns. And invest most of their capital in risky assets such as stocks, equity funds or derivatives That is willing to invest are classified as investment-type attacks. Users who use dual stock portfolios are those who are actively investing or investing.

In the past, there was no system in which brokerage firms offered a recommended portfolio according to the individual asset investment type, and investors reflected the brokerage portfolio in their own portfolios to automatically perform investment and asset management.

KR 10-2005-0093108 A

The present invention provides a recommended portfolio so that a user terminal user can easily construct a portfolio.

In addition, the present invention provides a system in which a user terminal user configures a portfolio, and facilitates selling and buying of constituent items.

A smart asset management method according to an embodiment of the present invention is a method for performing smart asset management through a smart asset management system including a user terminal, a smart asset management server, and a network communication network, Setting a my portfolio to be the same as the recommended portfolio, or copying the data of the recommended portfolio and modifying the copied data to set the my portfolio as the my portfolio, To the smart asset management server via a network communication network, and the smart asset management server includes a transaction procedure for performing a sale according to the my portfolio and the sales signal received from the user terminal .

In addition, the smart asset management server may further generate a sales selection signal to be selected by the user in a batch purchase or a portfolio change sale and transmit the generated selection signal to the user terminal, And a selection completion signal selected from the bundle purchase or the portfolio change sale.

The smart asset management server may further include a step of analyzing the asset evaluation and the performance of the user after the trading procedure is performed and transmitting the analyzed data to the user terminal; As shown in FIG.

Also, the user terminal receives and displays the data transmitted by the smart asset management server, inquires the user about the resetting of the my portfolio, and when the user selects the resetting of the my portfolio, The smart asset management server again performs the transaction procedure; Lt; / RTI >

Also, a smart asset management method according to an embodiment of the present invention is a method for performing smart asset management through a smart asset management system including a user terminal, a smart asset management server, and a network communication network, A procedure for transmitting a recommendation portfolio and my portfolio data to the user terminal, a procedure for generating a sales selection signal for a user to select from among a batch purchase or a portfolio change sale and transmitting the selection signal to the user terminal, And a procedure for performing a collective purchase or a portfolio change transaction according to the received selection completion signal and a procedure for receiving a selection completion signal from the smart asset management server, A mportfolio setting procedure for receiving and displaying the my portfolio data, applying the received recommended portfolio as it is to the my portfolio, or copying the data of the recommended portfolio and modifying the copied data to the my portfolio, And a procedure for selecting one of the collective purchase or the portfolio change transaction for the sale selection to generate a selection completion signal and transmitting the selection completion signal to the smart asset management server together with the data of the set my portfolio .

In addition, the procedure for setting up the my portfolio includes changing the stock / cash weight and setting the weight of the stock.

In addition, the modifying of the copied data in the my portfolio setting procedure may be performed by displaying the weight of the copied data according to each item with a numerical value, a bar graph, a pie graph, and a specific gravity adjusting bar, The pie graph, and the specific gravity adjusting bar are adjusted by the user so that the weight of each of the items constituting the portfolio is changed, thereby changing the my portfolio.

In addition, the smart asset management server may perform a collective buying procedure when the selection completion signal is the collective buying number, and performing a portfolio change trading procedure when the selection completion signal is the portfolio changing transaction.

The smart asset management server may further analyze the asset evaluation and performance of the user according to the collective purchase or the result of the portfolio change purchase and transmit the data to the user terminal, And receiving and displaying the asset evaluation and performance analysis data of the user transmitted by the smart asset management server. When the user modifies the my portfolio, the user sets the my portfolio again, and transmits the selection completion signal To the smart asset management server.

Also, the collective buying procedure is a procedure of buying all the items in the my portfolio at a time according to the weight of items in the set my portfolio, and the procedure for changing the portfolio is performed by referring to the recommended number of items per stock in the set portfolio, And performing the ordering procedure.

Also, a smart asset management system according to an embodiment of the present invention is a smart asset management system including a user terminal, a smart asset management server, and a network communication network, wherein the smart asset management server comprises: And a user interface generating unit for generating a user interface for generating a trading signal, a customer's portfolio, and a user interface And a portfolio generating unit for generating a portfolio of a customer according to the my portfolio data generated by the customer through the user terminal.

The user terminal device according to an embodiment of the present invention is a user terminal device that performs asset management in cooperation with a smart asset management server through a network communication network, And a portfolio display procedure for displaying the recommended portfolio and the my portfolio, and setting up the my portfolio in the same manner as the recommended portfolio or copying the data of the recommended portfolio, And a sales order process for transmitting the set my portfolio data and the sales signal to the smart asset management server.

The user terminal device according to an embodiment of the present invention is a user terminal device that performs asset management in cooperation with a smart asset management server through a network communication network, And a portfolio display procedure for displaying the recommended portfolio and the my portfolio, and setting up the my portfolio in the same manner as the recommended portfolio or copying the data of the recommended portfolio, And a program for performing procedures including a my portfolio setting procedure for setting the data of the portfolio and data of the portfolio and data of a sales order for transmitting the set my portfolio data and the sales signal to the smart asset management server.

In addition, the modifying of the copied data in the my portfolio setting procedure may be performed by displaying the weight of the copied data according to each item with a numerical value, a bar graph, a pie graph, and a specific gravity adjusting bar, The pie graph, and the specific gravity adjusting bar are adjusted by the user so that the weight of each of the items constituting the portfolio is changed, thereby changing the my portfolio.

According to another aspect of the present invention, there is provided a computer-readable storage medium for storing a recommended portfolio, a portfolio receiving procedure for receiving a recommended portfolio and a my portfolio from a smart asset management server, a portfolio displaying procedure for displaying the recommended portfolio and the my portfolio, Setting the MyPortfolio, or copying the data of the recommended portfolio, and then modifying the MyPortfolio data as the data of the MyPortfolio, and transmitting the set MyPortfolio data and the sales signal to the Smart Asset Management Server And a program for performing procedures including a sales order process for performing a sales order process.

In addition, the modifying of the copied data in the my portfolio setting procedure may be performed by displaying the weight of the copied data according to each item with a numerical value, a bar graph, a pie graph, and a specific gravity adjusting bar, Wherein the display area for each item of the pie chart, the pie graph, and the specific gravity adjusting bar is adjusted by the user, thereby changing the weight of each item constituting the portfolio, thereby changing the my portfolio .

Also, a smart asset management server according to an embodiment of the present invention is a smart asset management server that performs asset management in cooperation with a user terminal through a network communication network, wherein the smart asset management server includes a recommended portfolio and a my portfolio A portfolio data transmission procedure for transmitting the portfolio data to the user terminal, a trading data receiving procedure for receiving the my portfolio data and the sales signal set from the user terminal, and the stock market trading based on the my portfolio data and the sales signal received from the user terminal And an asset evaluation procedure for evaluating the user's asset based on the transaction procedure and the transaction history after the transaction procedure and transmitting the analysis result to the user terminal.

Also, a smart asset management server according to an embodiment of the present invention is a smart asset management server that performs asset management in cooperation with a user terminal through a network communication network, wherein the smart asset management server includes a recommended portfolio and a my portfolio A portfolio transmission procedure for transmitting to the user terminal, a transaction data reception procedure for receiving the my portfolio data and the sales signal set from the user terminal; The analysis of the user's assets based on the trading procedure for trading stocks based on the my portfolio data and the trading signal received from the user terminal and the transactions completed after the trading procedure are transmitted to the user terminal And a program to carry out the procedures including the asset evaluation procedure.

The trading signal received from the user terminal may be a collective buy signal for collectively buying shares according to the stock weight of each stock set in the my portfolio or a portfolio change trading signal for issuing a separate trading order for each stock constituting the my portfolio .

According to another aspect of the present invention, there is provided a computer-readable recording medium, which is installed in a smart asset management server that performs asset management in cooperation with a user terminal through a network communication network and transmits a recommended portfolio and a my portfolio to the user terminal The method of claim 1, further comprising the steps of: receiving a portfolio data transmission procedure, a trading data reception procedure for receiving my portfolio data and a sales signal set from the user terminal, a trading procedure for performing stock trading based on the my portfolio data and the sales signal received from the user terminal, And an asset evaluation procedure for evaluating the user's asset based on the transaction history after the procedure is performed and transmitting the analysis result to the user terminal.

The trading signal received from the user terminal may be a collective buy signal for collectively buying shares according to the stock weight of each stock set in the my portfolio or a portfolio change trading signal for issuing a separate trading order for each stock constituting the my portfolio And a program for performing the procedures including < RTI ID = 0.0 >

According to embodiments of the present invention, a user terminal user can apply a portfolio recommended by a securities company through a smart asset management system (hereinafter, FAM) as its own portfolio.

In addition, the user can change details of each constituent item of the portfolio according to his or her investment propensity.

In addition, the user can real-time automatic ordering (sell and buy) for each portfolio unit he holds.

In addition, automatic ordering is possible in accordance with the portfolio set by the user in advance.

Also, even if the user's portfolio is changed, the order is easy and the time required for stock trading is shortened, thereby saving manpower resources and management funds consumed in managing the existing stock trading orders.

1 is a block diagram showing a FAM system according to an embodiment of the present invention.
2 is an overall flowchart of a FAM system according to an embodiment of the present invention.
3 is an application flowchart of the FAM system according to the embodiment of the present invention.
FIG. 4 is a drawing showing an application user interface. FIG.
FIG. 5 is a flowchart illustrating a portfolio setting procedure of the FAM system according to an embodiment of the present invention.
6 is a diagram illustrating a portfolio setting user interface.
FIG. 7 is a flowchart showing a batch buying process of the FAM system according to the embodiment of the present invention.
FIG. 8 is a diagram showing a collective buying user interface.
FIG. 9 is a portfolio change trading flowchart of the FAM system according to the embodiment of the present invention.
10 is a diagram illustrating a portfolio change trading user interface.
FIG. 11 is a flowchart of a FAM system according to an embodiment of the present invention.
12 is a drawing illustrating a revocation user interface.
13 is a diagram showing (a) a user interface initial screen of the FAM system and (b) a user interface FAM table screen of the FAM system according to the embodiment of the present invention.
FIG. 14 is a diagram illustrating (a) a user interface FAM application termination screen of the FAM system, (b) a user interface interface screen of the FAM system, (c) a user interface FAM service termination screen of the FAM system, d) User interface screen of FAM system.
(B) a detailed user interface portfolio screen of the FAM system; (c) a screen for changing the user interface main portport proportion of the FAM system; (d) ) Figure of user interface MAM portfolio change completion screen of FAM system.
FIG. 16 shows (a) a user interface order full screen of the FAM system according to the embodiment of the present invention, (b) a user interface order quotation screen of the FAM system, and (c)
FIG. 17 is a diagram showing the entire screen of the user interface portfolio change of the FAM system according to the embodiment of the present invention, (b) a user interface unfinished order history guide screen of the FAM system, (c) a user interface selling screen of the FAM system, d) FAM system user interface screen.
FIG. 18 is a view showing the entire user interface order history of the FAM system according to the embodiment of the present invention.
FIG. 19 is a diagram illustrating a user interface My Fam asset evaluation screen of the FAM system, (b) a user interface My Fam overall performance analysis screen of the FAM system, and (c) a user interface My Fam system of the FAM system according to the embodiment of the present invention. Performance analysis screen.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It will be apparent to those skilled in the art that the present invention may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, It is provided to let you know. Wherein like reference numerals refer to like elements throughout.

Hereinafter, a smart asset management system (FAM) provided in accordance with an embodiment of the present invention includes a mobile trading system (MTS) used for a user terminal operating on Internet communication, Describe the trading system as an example. In addition, although three types of recommendation portfolios described in detail below have been exemplified, if a stock is selected based on the stock selection criteria according to the investment propensity of the stock investor and the portfolio is composed of the selected stocks, There is no restriction on the application.

In addition, the communication method of the user terminal using the FAM described below is not limited to the specific wired / wireless communication method, and the communication method of the user terminal in the present invention means the communication based on the network communication network connected to the Internet.

The FAM system described below is described in detail in the following order.

1. Terms used in a recommended portfolio according to an embodiment of the present invention will be described.

2. The selection criteria of the recommended portfolio constituent items according to the embodiment of the present invention will be described.

3. The configuration of the FAM system according to the embodiment of the present invention will be described.

4. The FAM system according to the embodiment of the present invention will be described.

5. Application of the FAM system according to the embodiment of the present invention will be described.

6. Portfolio setting of the FAM system according to the embodiment of the present invention will be described.

7. The number of batches of the FAM system according to the embodiment of the present invention will be described.

8. The following describes the portfolio change and sale of the FAM system according to the embodiment of the present invention.

9. Termination of the FAM system according to the embodiment of the present invention will be described.

10. An initial user interface screen of the FAM system according to an embodiment of the present invention will be described.

11. The user application and the cancel screen of the FAM system according to the embodiment of the present invention will be described.

12. A portfolio screen of the FAM system according to an embodiment of the present invention will be described.

13. A Batch Buying Order screen of the FAM system according to an embodiment of the present invention will be described.

14. A portfolio change order screen of the FAM system according to an embodiment of the present invention will be described.

15. The order detail screen of the FAM system according to the embodiment of the present invention will be described.

16. The My Fam screen of the FAM system according to the embodiment of the present invention will be described.

1. Terms used in a recommended portfolio according to an embodiment of the present invention will be described.

"The Korea Composite Stock Price Index (KOSPI)" is an indicator to gauge the overall movement of the stock market and is an indicator of the overall economic situation in Korea. At present, Korea's Kospi responds sensitively to changes in the stock price of large-cap stocks because it calculates and reports stock prices using the market cap method. The KOSPI is currently being released in 10-second increments and is calculated using the following market cap method.

Total stock price index (KOSPI) = (market cap of comparison time ÷ total market cap at base time) × 100

"KOSPI 200 stock price index" is a stock price index developed for the trading of stock index futures and stock index options. It is based on market representative, industry representative, and liquidity among the entire list listed on the securities market for futures and options trading. The selected 200 items will be used as constituent items. Since December 14, 2007, the stock price index is calculated based on the weighted market capitalization only for floating stocks.

The "KOSPI 100 Stock Price Index" is composed of the top 100 stocks with the largest market cap among the KOSPI 200 constituents and the 20 stocks with the lowest market capitalization. The KOSPI 100 is now calculated in units of 10 seconds.

"Korean Securities Dealers Automated Quotation (KOSDAQ)" is an electronic trading system in which stocks and bonds of publicly traded companies are traded through computer and communication networks without building or floor.

"Momentum" is a measure of the trend of the stock price as it is increasing or decreasing. In addition, earnings momentum means that the company's earnings and profits are so favorable that share prices rise sharply.

"Turn around" means a sudden turn to surplus through deficit corporate restructuring and management innovation.

"Valuation" is an assessment of the value of an enterprise by an analyst to determine the fair value of the company.

"Earning" means a company listed on the stock market who makes a report every quarter and reports it to the Financial Supervisory Service. At this time, earnings such as a company's operating profit or net profit are called earnings. That is, it means the performance of the company.

2. The selection criteria of the recommended portfolio constituent items according to the embodiment of the present invention will be described.

"Large cap portfolio" refers to large corporations whose constituents are large companies whose market capitalization is large in terms of market capitalization. The criteria for selection of portfolio constituents are as follows. It is a portfolio of KOSPI 100 constituents, focusing on the sector's leading stocks. The selected industries are selected to be market-driven or turnaround-oriented, and stocks that are highlighted by valuations and earnings.

"Small cap portfolio" refers to small and mid-cap stocks composed of companies whose listed or registered market cap is small, mainly in KOSDAQ. In other words, the market cap is selected to be around W300bn, mainly based on KOSDAQ, but the KOSPI small- and mid-cap stocks are also selected flexibly. The criteria for selection of portfolio constituents are as follows. The company is selected based on issues and industry momentum and supply / demand of the stocks. In the case of earnings improvement companies, the operating profit (net profit) increase or turn-around companies will be selected as QoQ or 20 ~ 30% higher than the previous year. In addition, corporate stocks that are undervalued at more than 30 percent of their peers are included in the selection.

"Hybrid portfolio" refers to promising KOSPI and KOSDAQ stocks excluding constituents of large cap and small cap portfolio. The criteria for selection of portfolio constituents are as follows. KOSPI small- to mid-cap stocks and KOSDAQ stocks, which take into account issues and momentum, are allocated to stocks and sectors that respond to the market, including earnings momentum and undervalued stocks.

3. The configuration of the FAM system according to the embodiment of the present invention will be described.

1 is a block diagram showing a FAM system according to an embodiment of the present invention.

The FAM system includes a user terminal 10, a smart asset management server 30, a network communication network 20 for connecting a user terminal 10 of the customer via the Internet, a customer terminal 10 having a FAM dedicated application capable of using the MTS, A Smart Asset Management Server 30, a Smart Asset Management Server 30, and a user terminal 10 for transmitting FAM service related UI data to the user terminal 10, receiving input data inputted from a customer through the user terminal 10, An information system 50 for transmitting and receiving data such as customer information and the like and storing and analyzing data such as the portfolio information and the like, And an employee terminal 60 for receiving a recommended portfolio and transmitting the recommended portfolio to the information system 50.

The user terminal 10 may be a smart phone, a personal digital assistant (PDA), a smart pad, a personal computer, a workstation, a notebook, or the like, which can be connected to the Internet through the network communication network 200, And receives the changed customer portfolio setting values from the customer and transmits the received customer portfolio setting values to the smart asset management server 30 through the network communication network 20. [ Here, the network communication network 20 may be a wired / wireless communication network, a mobile communication network, or the like.

The period system 40 includes a customer DB 41 in which customer information is stored, a product DB 42 in which product information provided by a securities company is stored, an account DB 43 in which customer account information is stored, And a trading DB 44.

The information system 50 includes a real-time DB 51 for copying and storing real-time data when there is a change in the data stored in the time-base system 40, a recommended portfolio data received from the employee terminal 60, A portfolio DB 52 for providing the asset management server 30 with a changed customer portfolio from the smart asset management server 30 and storing the changed customer portfolio, And an analysis DB 53 provided to the asset management server 30.

The employee terminal 60 is connected to the information system 50 as a personal computer, a workstation, a notebook computer, a PDA, etc. connected to the network communication network 20 and the wired and wireless Internet, Displays the portfolio data transmission page, receives recommended portfolio data from an expert through a recommended portfolio data transmission page, and provides it to the smart asset management server 30. Here, the recommended portfolio is composed of each recommended portfolio according to the selection criteria detailed in 2 above.

The smart asset management server 30 provides the recommendation portfolio data transmission page to the employee terminal 60 when the employee terminal 60 is connected and transmits the recommended portfolio data inputted through the employee terminal 60 to the user terminal 10 And then generates a changed customer's portfolio according to the customer's portfolio setting value transmitted from the user terminal 10. [ Thereafter, trading is performed based on the changed portfolio.

The smart asset management server 30 includes a communication unit 31 that transmits and receives data to and from the user terminal 10 through the network communication network 20 and transmits and receives the data through the internal communication network (not shown) The user terminal 10 is connected to the server (not shown) of the Korean Exchange and the smart asset management server 30 to receive the real-time quotation information generated in the transaction of the financial product, A quotation information receiving unit 32 for transmitting and distributing the quote information data without interruption to the employee terminal 60, a portfolio generating unit 32 for generating a portfolio of customers changed according to the customer's portfolio setting value transmitted from the user terminal 10 33, a stock trading unit 34 for performing a trading based on a customer's portfolio, and a user interface generating unit 35 for processing data so that the FAM system service can be displayed through a user terminal display unit All. Here, the recommended portfolio is provided by the portfolio generator 33 on the basis of the data transmitted to the employee terminal 60, within the deposit amount limit of the customer, that is, the orderable amount of the portfolio. Also, the customer's portfolio set values have different values depending on two cases. First, if the recommended portfolio provided by the securities company is applied to the customer's portfolio, the recommended portfolio data and the customer's portfolio set value have the same value. On the other hand, customers can select the recommended portfolio offered by the securities company by changing the proportion of each item in the portfolio by the customer himself, and have the changed value as the customer's portfolio setting value. A method for changing the weight of the portfolio items at this time will be described in detail in the description of the portfolio registration described below with reference to FIG.

 In addition, the execution of the transaction proceeds within the customer's orderable amount and proceeds in the following two ways. First, if the portfolio is registered for the first time, only the number of purchases is made. In the securities trading system of the existing securities company, the customer entered the purchase order according to each item, but the customer who uses the FAM according to the present invention orders the item at the same time according to the proportion of the portfolio items registered within the orderable amount of the customer The purchase is automatically made. When the portfolio is first registered, the customer who uses the FAM for the first time registers the portfolio for the first time, and the customer who uses the existing FAM newly registers a portfolio for operating another independent asset in addition to the asset operated by the existing portfolio to be. For example, a customer can deposit a monthly amount into a customer account in a securities company, and register the separate amount of money deposited in each month as a separate portfolio.

In the case where the portfolio is registered, in order to match the existing portfolio of the customer with the proportion of the portfolio in the changed portfolio through the portfolio change order, the stock is automatically sold at once Buying is proceeding. In the securities trading system of the existing brokerage firm, the customer entered and executed the buy and sell orders for each stock, but the FAM of the present invention can be purchased and bought by portfolio.

4. The FAM system according to the embodiment of the present invention will be described.

2 is an overall flowchart of a FAM system according to an embodiment of the present invention.

First, the smart asset management server generates a FAM application page and transmits it to the user terminal. The user terminal displays the received FAM application page, receives data required for application confirmation from the customer, and transmits the data to the smart asset management server again. The smart asset management server compares and analyzes the received data with the data based on the customer information DB and the account information DB of the detailed period system described above to perform the FAM system application operation of the customer using the user terminal (S 100). Here, the description of the FAM application page will be described in detail with reference to the application procedure shown in Fig.

After that, the smart asset management server transmits the portfolio setting page including the recommended portfolio data received from the employee terminal to be displayed on the user terminal in a user interface format implemented as an image and text, and the customer displays the transmitted portfolio setting page , It is possible to apply the recommended portfolio as it is to its own portfolio or to store it as its own portfolio by adjusting the weight of the constituent items of the recommended portfolio by the customer himself. The customer's portfolio data changed at the user terminal is sent back to the smart asset management server. The smart asset management server receives the changed portfolio setting of the customer and completes the portfolio setting (S 200).

Thereafter, the smart asset management server generates a sales selection signal and transmits the selection signal to the user terminal. Then, the user terminal displays the received sales selection signal to select either the bulk purchase or the portfolio change transaction from the customer, And transmits it to the smart asset management server. The Smart Asset Management Server is performed by the customer selecting the collective purchase number (S 300) for the customer who registers the first portfolio based on the customer's portfolio setting according to the received signal value of the selected customer, In the case of the customer, the portfolio change transaction (S 400) is performed by the customer. Here, the collective purchase number (S 300) will be described later in detail with reference to FIG. 7, and the portfolio change sale (S 400) will be described in detail with reference to FIG. 9 below.

Thereafter, the smart asset management server generates order confirmation data and transmits it to the user terminal (S 500).

Thereafter, the smart asset management server generates asset evaluation and performance analysis data and transmits it to the user terminal (S 600).

After that, the smart asset management server sends an adjustment confirmation signal to the user terminal confirming whether or not the portfolio adjustment is necessary. The user terminal receives the adjustment confirmation signal and receives whether the customer needs portfolio adjustment. And generates an adjustment response signal based on the input value received from the customer and transmits the adjustment response signal to the smart asset management server. The smart asset management server checks whether the portfolio is reconciled from the received adjustment response signal, and returns to the portfolio setting (S 200) if the portfolio adjustment is necessary (S 700).

5. Application of the FAM system according to the embodiment of the present invention will be described.

FIG. 3 is an application flowchart of the FAM system according to an embodiment of the present invention, and FIG. 4 is a diagram illustrating an application user interface.

The customer can make an application for use of the FAM system through a user terminal that receives and displays the FAM application page created and transmitted from the smart asset management server.

First, the smart asset management server receives an account number and a password from a customer through a user terminal (S 111). For example, if the user selects the ① account number box shown in the application user interface shown in Fig. 4, the number input field pops up, and the customer can enter the account number and password held by him and proceed to the next step.

Thereafter, the smart asset management server receives the input account number and the password, and requests the corresponding account number and the password in the time period described in detail in FIG. 1 to confirm the received account number and password. The periodic system provides the account number and the password to the smart asset management server in the account information storage unit in which the customer's account information is stored. The smart asset management server compares the account information and the password received from the user terminal with the account information and the password received from the account information storage unit and proceeds to the next step if they match, (S 112).

Thereafter, the smart asset management server determines whether the account evaluation amount of the account number input by the customer is greater than or equal to the FAM system reference amount (S113). For example, the standard amount can be set to various values such as 50 million won and 100 million won. If the calculated amount of the account is less than the reference amount, the smart asset management server generates an unsubscribe message and transmits it to the user terminal (S 121).

After that, the smart asset management server determines whether the customer's investment propensity is an investment type or an attack investment type (S 114). Here, the description of the active investment type and the attack investment type is omitted because it is in accordance with the description of the investment propensity of the customer, which is described in detail in the technical background of the invention. If the investment propensity of the customer is an investment type or aggressive investment type, the next step is proceeded. If the propensity to invest is an investment type or an attack investment type, the smart asset management server generates a non-subscription message and transmits the message to the user terminal 121).

Thereafter, the smart asset management server determines whether the customer's investment solicitation status is solicited (S 115). The status of the client's investment solicitation is determined by determining whether the investment solicitation status data of the customer information of the corresponding account in the customer information DB provided by the smart asset management server is allowed (recommended state). Herein, the recommendation status means that the customer has agreed to receive the investment recommendation from the securities company, and the reason for confirming the status of the customer's investment recommendation permission is that the FAM of the present invention is a system that provides recommended recommendation portfolios recommended by experts, The solicitation status shall be solicited. If the client's investment solicitation status is in the solicited state, the process proceeds to the next step. If not, the smart asset management server generates an unsubscribe message and transmits the message to the user terminal (S 121).

Thereafter, the smart asset management server determines whether the customer's information availability state is a provision state (S 116). The customer's information availability status is determined by determining whether the medium information provision status data is provided in the customer information DB provided by the smart asset management server from the financial system. Here, the information provision means that the stock trading is automatically performed in the FAM system based on the customer's personal information, the customer's registered portfolio information, and the customer's consent, and the reason for confirming the customer's information availability status is that the FAM Since the system provides recommended portfolios recommended by experts and supports automatic trading, the information availability status must be provided. If the information provision status of the customer is in the provision state, the process proceeds to the next step. If not, the smart asset management server generates an unsubscribe message and transmits the message to the user terminal (S 121).

Thereafter, the smart asset management server receives a request for a contract alarm service (S 117). For example, if the customer selects the right box of the < 2 > notification of the completion notification and the notification of the completion of the closing notification, shown in the application user interface of Fig. 4, displayed on the user terminal, the closing alarm service can be requested and proceed to the next step. Here, the notification of the completion notification is notified in real time at the time of completion of all the transactions, and is notified to the customer after the completion of the partial closing at the time of completion, and the execution notification of all the accounts in the order is notified in real time.

Thereafter, the smart asset management server receives the FAM service agreement and the customer's consent signal to confirm customer information (S 118). For example, if the customer selects the FAM service agreement in the customer's consent box (3) shown in the application user interface shown in FIG. 4, the screen of the FAM service agreement contents is switched to the user terminal screen. You can choose. When the customer selects the check box, the user terminal generates a customer's consent signal and sends it to the smart asset management server. Also, if the customer information check box is selected in the customer consent box, the user terminal screen is switched to the customer information check screen in which information such as the customer's contact information, address, and e-mail is displayed and the customer can select a confirmation box have. When the customer selects the check box, the user terminal generates a customer's consent signal and sends it to the smart asset management server.

Then, when the customer completes the input of the application-related data through the user terminal, the user selects the check box at the bottom, and the user terminal generates a subscription confirmation signal and transmits it to the smart asset management server. The smart asset management server receives the subscription confirmation signal from the user terminal, sets the corresponding account of the customer as a 100 percent margin account (S 119), and completes the subscription (S 120).

6. Portfolio setting of the FAM system according to the embodiment of the present invention will be described.

FIG. 5 is a flowchart illustrating a portfolio setting procedure of the FAM system according to an exemplary embodiment of the present invention, and FIG. 6 is a diagram illustrating a portfolio setting user interface.

The customer can set the portfolio through the display unit interface of the user terminal receiving and displaying the portfolio setting page generated and transmitted from the smart asset management server. At this time, the user interface included in the portfolio setting page can be generated by the smart asset management server 30 and transmitted to the user terminal 10. On the other hand, only the portfolio data is transmitted and received with the smart asset management server 30, It is obvious to a person skilled in the art that the user terminal 10 can be configured to generate and display it.

First, the smart asset management server receives an account number and a password from a customer through a user terminal (S 211). For example, if the user selects the No. 1 account number box shown in the application user interface of FIG. 6, the number input field pops up, and the customer can enter the account number and password held by him and proceed to the next step.

Thereafter, the smart asset management server receives the input account number and the password, and requests the corresponding account number and the password in the time period described in detail in FIG. 1 to confirm the received account number and password. The periodic system provides the account number and the password to the smart asset management server in the account information storage unit in which the customer's account information is stored. The smart asset management server compares the account information and the password received from the user terminal with the account information and the password received from the account information storage unit and proceeds to the next step if they match, (S 212).

Thereafter, the smart asset management server determines whether the customer has a previously registered my portfolio, that is, a customer portfolio, from the account information of the customer (S 213).

Thereafter, if there is no existing My Portfolio, the Smart Asset Management Server initializes data related to specific stock weight adjustment among the portfolio setting data of the customer's account (S 214).

The smart asset management server then queries the My Portfolio of the customer's account. This requests data from the above-described information system and displays the received data on the display unit of the user terminal on the display unit of the user terminal, which is generated by the smart asset management server through the network communication network, so that the customer can use his or her own portfolio (S215). At this time, the portfolio setting user interface may be configured to transmit and receive only the portfolio data from the smart asset management server 30 as described above, and to generate and display the generated portfolio data in the user terminal 10.

Thereafter, the system waits for inputting a customer's input value to determine whether a recommended portfolio, i.e., a change of the modern portfolio is necessary (S 216).

Then, when the customer requests the change of the modern portfolio, the user selects the inverted triangle box in the portfolio setting user interface (2) of FIG. 6 to select the recommended recommended portfolio, and the detailed view box of (3) (S218). Here, the detailed information includes the recent rate of return, cash ratio and share weight, individual item incorporation rate, previous day close price, recommendation price, return rate, recommendation date. The smart asset management server receives the recommendation portfolio input through the employee terminal, and provides the recommendation portfolio to the customer through the display unit of the user terminal. In addition, the recommended portfolio can be reconstructed as the stocks available for purchase from the customer's assets based on the recommended portfolio, thereby providing a recommended portfolio only for the customer. Customers can select their preferred portfolio as My Portfolio through referral portfolio lookup.

Thereafter, when the customer completes the selection of the my portfolio, the customer can set the cash weight and the stock weight of his account. For example, an inverse triangle box may be selected and set in the portfolio setting user interface 4 of FIG. 6 (S 220).

Thereafter, when the customer has completed the setting of the cash portion and the share portion of the account, the portion weight of the my portfolio can be set. For example, the user can select and set the MIP portfolio setting box in the portfolio setting user interface (5) of FIG. 6 (S 222). As shown in FIG. 6, the user interface for displaying and adjusting the weight of each item includes a numeric data display area for displaying the number of specific weight data for each item constituting the portfolio, a plus / minus button, a left / And a specific gravity adjusting box including a sliding specific gravity adjusting bar. The method of controlling the weight of each item through the user interface includes a method of changing the number of the figure by mouse clicking the plus / minus button or a touch screen touch, a method of changing the numeric size by touching the weight control bar, The number of the specific gravity data displayed in the numerical data display area changes together with the specific gravity control method, and the specific gravity data of each of the items constituting the portfolio are also changed do. The specific gravity data for each item may be changed by directly inputting a desired number of gravity numbers in the numeric data display area. You can also select the percentage type button located on the right side of the plus button and enter the input value of the desired specific gravity through the numeric input window popped up.

The user interface may also be represented by graphical visual elements such as bar graphs, pie graphs, pie graphs, and line graphs. These graphical visual elements represent the weight of each item and correspond to each item area displayed in proportion to the specific gravity data size of the item, the boundary line forming the boundary of each item area, and the indication of each item area And a boundary area for determining the boundary. In the method of changing the portfolio data through the graphical visual element interface, the boundary area of the item to be changed is selected through a mouse click or touch screen touch, and the position of the boundary line is changed by moving the boundary area of the item, . The position change of each item or the size change of the item area is implemented in association with the weight data of each item constituting the portfolio so that the value changes and the weight changes as the number is displayed.

Also, it is possible to set an item set to 0 percent when the specific gravity is adjusted so that it is not displayed on the user terminal at the time of the subsequent portfolio view of the customer.

In addition, the customer can apply the changed weight to the customer's portfolio by selecting the application after the adjustment of the weight is completed, but the sum of the adjusted weight of each item is applied when the application is selected. If not 100 percent, a message for remediation may be displayed in a pop-up format on the user terminal.

After that, the smart asset management server waits to input the input value of the customer to determine whether to store the my portfolio that the customer has set up. At the moment when the user selects the my portfolio storage box in the portfolio setting user interface (6) of FIG. 6, the user can select a collective purchase or a portfolio change (portfolio change sale) . Here, the collective buying will be described in detail with reference to FIG. 7, and the portfolio changing and selling will be described in detail with reference to FIG. 9 below.

On the other hand, if the customer does not want to change the recommended portfolio, that is, the modern portfolio, the customer waits for inputting the input value of the customer to determine whether to change the share of the account and the cash ratio (S219). If the customer desires to change the stock weight and the cash weight, the above-described stock weight and the cash weight are moved to the changing step (S 220) and the corresponding step is performed. If it is not desired to change the stock weight and the cash weight, the process waits for inputting the input value of the customer to determine whether to change the weight of the items constituting the customer's my portfolio (S 221). If the customer desires to change the weight of the item, the specific weight of the item is moved to the changing step (S222) and the corresponding step is performed.

7. The number of batches of the FAM system according to the embodiment of the present invention will be described.

FIG. 7 is a flow chart showing a batch buying procedure of the FAM system according to an embodiment of the present invention, and FIG. 8 is a drawing illustrating a batch buying user interface.

First, the smart asset management server receives the account number and the password from the customer through the user terminal (S311). For example, if the user selects the No. 1 account number box shown in the collective purchase user interface of FIG. 8, the number input field pops up, and the customer can proceed to the next step by inputting his / her account number and password.

Thereafter, the smart asset management server receives the input account number and the password, and requests the corresponding account number and the password in the time period described in detail in FIG. 1 to confirm the received account number and password. The periodic system provides the account number and the password to the smart asset management server in the account information storage unit in which the customer's account information is stored. The smart asset management server compares the account information and the password received from the user terminal with the account information and the password received from the account information storage unit and proceeds to the next step if they match. If not, the smart asset management server enters the account number and password (S 311) (S 312).

After that, the smart asset management server determines whether there is a my portfolio, that is, a customer portfolio registered by the customer, from the account information of the customer (S 313). If there is no existing registered My Portfolio of the customer, a message indicating that the My Port is available after being registered is displayed on the display unit of the user terminal (S 314). On the other hand, if there is an existing registered My Portfolio, the next step can be performed.

Then, the smart asset management server displays the orderable amount of the account, the stock information, the my portfolio information, and the like from the account information of the customer through the display unit of the user terminal. For example, it can be expressed as (2) shown in the collective buying user interface of FIG. 8 (S 315).

Thereafter, the smart asset management server inquires the current price of the constituent item of the my portfolio (S 316). This can be done by receiving the ticker information of each constituent item of the my portfolio from the ticker information receiver of the smart asset management server in real time.

After that, the smart asset management server calculates the stock valuation amount of the constituent items of the my portfolio (S 317). It can perform the calculation based on the ticker information received from the ticker information receiver of the smart asset management server and the my portfolio constituent item.

Thereafter, the smart asset management server calculates the recommended quantity of the My Portfolio (S 318). It can perform calculations based on ticker information received from the ticker information receiver of the smart asset management server, my portfolio portfolio, and 100 percent orderable amount of the account.

After that, the smart asset management server calculates the order quantity (S 319). If the customer applies the recommended quantity as it is, the order quantity and the recommended quantity are the same value, and the customer changes the portfolio If the quantity related to the sale is directly corrected, the order quantity is calculated based on the quantity corrected by the customer. Here, if the customer directly corrects the sales quantity, it means that the customer does not correct the recommended quantity data provided through the recommended portfolio but directly modified it by changing the customer portfolio (my portfolio) based on the recommended portfolio do. This is described in detail in the Portfolio Settings section below. For example, when the user terminal receives recommendation portfolio data from the smart asset management server, temporarily stores the recommended portfolio data in the memory of the user terminal, and corrects the sales quantity of each constituent item of the customer portfolio (my portfolio) (My portfolio) is corrected, and the recommended quantity data of the recommended portfolio is not changed.

The smart asset management server then waits to receive a customer input to determine whether the order is desired to change. (S 320). For example, the customer may apply the recommended quantity as it is, or change the order number without following the recommended quantity. For example, the order quotation of a desired item can be changed by selecting the box (3) shown in the collective buying user interface of FIG.

Thereafter, the smart asset management server selects the box (4) shown in the collective purchase user interface of FIG. 8 and proceeds with the collective purchase (S321). The progress result of the batch buying is shown in the right figure shown in the collective buying user interface of FIG. This can be expressed as a collective purchase confirmation message, a collective purchase order normal processing message, a collective purchase completion message of each stock, and the like.

8. The following describes the portfolio change and sale of the FAM system according to the embodiment of the present invention.

FIG. 9 is a flow chart of a portfolio change transaction of the FAM system according to an embodiment of the present invention, and FIG. 10 is a diagram illustrating a portfolio change transaction user interface.

First, the smart asset management server receives an account number and a password from a customer through a user terminal (S 411). For example, if the user selects the No. 1 account number box shown in the portfolio change trading user interface of FIG. 10, the number input field pops up, and the customer can proceed to the next step by inputting his / her account number and password.

Thereafter, the smart asset management server receives the input account number and the password, and requests the corresponding account number and the password in the time period described in detail in FIG. 1 to confirm the received account number and password. The periodic system provides the account number and the password to the smart asset management server in the account information storage unit in which the customer's account information is stored. The smart asset management server compares the account information and the password received from the user terminal with the account information and the password received from the account information storage unit, and proceeds to the next step if they match. If not, the smart asset management server enters the account number and password (S 411) (S 412).

After that, the smart asset management server determines whether the customer has an unfinished order from the customer's account information (S413).

Thereafter, if there is an uncompleted order, a message indicating that the uncompleted order can be used after the uncompleted order is concluded is displayed on the display unit of the user terminal (S 414). For example, in a pop-up format as shown in the right side of the portfolio change trading user interface of FIG.

On the other hand, if there are no outstanding orders, the smart asset management server will calculate 100% orderable amount, stock valuation amount, 100% orderable amount and stock valuation amount of the account from customer's account information, And displays a My weight showing the information through the display unit of the user terminal. For example, it can be expressed as (2) shown in the portfolio change trading user interface of FIG. 10 (S 415).

After that, the smart asset management server inquires the current price of the constituent item of the my portfolio (S 416). This can be done by receiving the ticker information of each constituent item of the my portfolio from the ticker information receiver of the smart asset management server in real time.

Thereafter, the smart asset management server calculates the stock valuation amount of the constituent item of the MY portfolio (S 417). It can perform the calculation based on the ticker information received from the ticker information receiver of the smart asset management server and the my portfolio constituent item.

Thereafter, the smart asset management server calculates the recommended quantity of the My Portfolio (S 418). It can perform calculations based on ticker information received from the ticker information receiver of the smart asset management server, my portfolio portfolio, and 100 percent orderable amount of the account.

After that, the smart asset management server calculates the final order quantity (S419). The order quantity means the quantity excluding the quantity of the quantity of the recommended quantity. The calculated order quantity can be changed by the customer. For example, the order quantity box of the item requiring the ②th change shown in the portfolio change trading user interface of FIG. 10 can be selected, and the order quantity can be inputted. After all the order quantity is inputted, the order can be completed by selecting each buy or sell box of No. 2 shown in the collective purchase user interface of FIG.

Thereafter, the order details can be displayed through the display unit of the user terminal as shown in the figure of the collective buying user interface of Fig. This may include the name of the item, the item number, the order quantity, the quantity to be concluded, the order price, the price to be concluded, the sale category, and the order classification.

In addition, according to the customer's choice, it is possible to perform batch trading, which is performed automatically on a portfolio basis, that is, the purchase or sale of each constituent item of the customer portfolio set by the customer can be automatically performed at once in a portfolio unit. Here, a message confirming the consent of the customer is displayed on the display unit of the user terminal before the automatic collective sale of the portfolio unit is performed, and when the customer selects the consent confirmation, automatic collective sale of the portfolio unit is performed in the smart asset management server.

In addition, customers can choose to buy or sell the stocks by selecting the sell or buy box displayed next to the portfolio constituent item or by collective selling performed on a portfolio basis according to the selection.

9. Termination of the FAM system according to the embodiment of the present invention will be described.

FIG. 11 is a flowchart illustrating a revocation process of the FAM system according to an exemplary embodiment of the present invention, and FIG. 12 illustrates a revocation user interface.

First, the smart asset management server receives an account number and a password from a customer through a user terminal (S800). For example, if the user selects the No. 1 account number box shown in the revocation user interface of FIG. 12, the number input field pops up, and the customer can proceed to the next step by inputting his / her account number and password.

Thereafter, the smart asset management server receives the input account number and the password, and requests the corresponding account number and the password in the time period described in detail in FIG. 1 to confirm the received account number and password. The periodic system provides the account number and the password to the smart asset management server in the account information storage unit in which the customer's account information is stored. The smart asset management server compares the account information and the password received from the user terminal with the account information and the password received from the account information storage unit and proceeds to the next step if they match, (S810).

Thereafter, the smart asset management server waits to receive the customer's input value for the termination progress (S820). For example, if the ② termination box shown in the termination user interface of FIG. 12 is selected, the process proceeds to the next step.

Thereafter, the smart asset management server waits to receive a customer's input value for confirmation of revocation (S830). For example, in order to prevent a customer who does not want to cancel the service by mistakenly selecting the cancel box and to prevent the service from being canceled, a revocation confirmation message is displayed on the display unit of the user terminal, and the customer selects the OK or cancel button of the message displayed on the display unit, Or return to the state before the cancellation.

The Smart Asset Management Server then terminates the 100 percent margin account setup for the account once the revocation check is complete. (S840).

After that, the smart asset management server transmits the termination of the service of the account to the period system, the period system stores the changed information of the account, and the information system copies and stores the change information when the information change is detected in the period system The termination is completed (S850).

10. An initial user interface screen of the FAM system according to an embodiment of the present invention will be described.

13 is a diagram showing (a) a user interface initial screen of the FAM system and (b) a user interface FAM table screen of the FAM system according to the embodiment of the present invention.

First, the user terminal users who use the mobile securities transaction must install a dedicated app for the mobile securities transaction, which is produced and distributed by each securities company, in the user terminal of the user in order to conduct the securities transaction using the MTS. At this time, the user terminal must establish a communication environment capable of performing network communication network communication such as the Internet. When the user executes the application installed in the user terminal, the user terminal is connected to the main server of the securities company through the network communication network, that is, connected to the smart asset management server. In FIG. 13 (a) Displayed on the user terminal display unit. The customer selects the FAM box and (b) the user interface FAM table of contents screen of the FAM system is displayed on the user terminal display. The table of contents items can include application, revocation, portfolio, order, order history, customer information, and a revisable My FAM and FAM service guide.

11. The user application and the cancel screen of the FAM system according to the embodiment of the present invention will be described.

FIG. 14 is a diagram illustrating (a) a user interface FAM application termination screen of the FAM system, (b) a user interface interface screen of the FAM system, (c) a user interface FAM service termination screen of the FAM system, d) User interface screen of FAM system.

(a) Selecting ① in the user interface FAM application and cancellation screen of the FAM system, the customer inputs his / her account number and password and judges whether he / For example, if the standard amount is 50,000,000 won, a message indicating that the user can not proceed to the next step is displayed on the user terminal display unit. If the standard amount is met, the smart asset management server determines whether the customer's investment propensity set in the account is an investment type or an attack investment type. The description of the active investment type and the aggressive investment type here is omitted because it is in accordance with the description of the investment propensity of the customer described above. A message indicating that the investment propensity can not proceed to the next step can be displayed to the customer who has investment propensity other than the active investment type and the attack investment type, and displayed on the user terminal display section.

The customer who satisfies the standard amount and investment incentive condition can check the notice contents as shown on the user interface note screen of the FAM system by selecting the ② notice box.

In addition, the customer may (a) choose FAM application or termination of ③ of the user interface FAM application and termination screen of the FAM system. (C) FAM system user interface FAM service agreement screen and (d) FAM user interface FAM service agreement screen by selecting ⑤ and ⑥ respectively as customer agreement, Confirm the content of user interface user information screen of FAM system and confirm the agreement of customer by selecting check box on the screen. (A) The confirmation box at the bottom of the bottom of FAM application and termination screen of the FAM system is activated, and the confirmation of customer activation When the box is selected, the application data is transmitted to the smart asset management server.

Also, if the customer who is using FAM is to change the notification service, select the application box, select the change value in ④, and select the check box at the bottom.

Also, if the customer selects (a) the termination of (3) of the user interface FAM application and termination screen of the FAM system, the termination confirmation message pops up and the popup message check box is selected, the FAM service is terminated. Upon termination, 100 percent margin and portfolio change text messages are automatically terminated.

12. A portfolio screen of the FAM system according to an embodiment of the present invention will be described.

(B) a detailed user interface portfolio screen of the FAM system; (c) a screen for changing the user interface main portport proportion of the FAM system; (d) ) Figure of user interface MAM portfolio change completion screen of FAM system.

When a user terminal user, that is, a customer selects a portfolio in the FAM service table (a), it can be expressed as a full screen of the user interface portfolio of the FAM system.

First, the customer selects a box for inputting the account number and password at the top, and inputs the account number and the password. A message indicating that the service can not be executed when the account number and the password do not match can be displayed through the display unit of the user terminal. If it is confirmed that the account number and password transmitted from the user terminal match in the FAM system, the investment propensity of the corresponding account is determined. Here, the discrimination of the investment propensity is omitted because it is the same as the description of the investment propensity. If the investment propensity is not satisfied with the service available investment propensity, a message indicating that the service progress can not be performed can be displayed through the display part of the user terminal.

When the conditions of use of the service are satisfied, (a) each box on the full screen of the user interface portfolio of the FAM system is selectable. Here, the service use conditions may include account number and password coincidence, meeting the service investment available tendency, evaluating the account balance, and meeting the service standard amount.

(a) If you select ① in the full screen of the user interface portfolio of the FAM system, you can select the recommended portfolio offered by the Hyundai Portfolio, ie the securities company, You can see the user interface detail portfolio screen of the FAM system.

(a) By selecting ② in the full screen of the user interface portfolio of FAM system, it is possible to change the cash ratio and the share weight of the account. In this case, when changing the cash ratio and the share weight, customers can easily change the cash and stock weight of the customer's portfolio by displaying the cash ratio and the share weight of the contemporary portfolio selected by the customer.

(a) In the full screen of the user interface portfolio of the FAM system, the proportion of the contemporary portfolio and the my portfolio is displayed. If the customer selects the change of the ratio of the my portfolio to the number 5, (c) The customer can directly control the weight of each item constituting the My Portfolio. The method of adjusting the specific gravity is the same as the above description, and thus will be omitted. If the client completes the adjustment by the desired weight and selects the bottom application, the adjusted weight is applied to the My Portfolio. At this time, if the sum of each percentage of the specific gravity control value of each item does not reach 100%, a message to change the gravity is displayed through the display of the user terminal.

(a) When Save My Portfolio is selected in the full screen of the user interface portlet of the FAM system, (d) The display screen of the user interface my portfolio change completion screen of the FAM system is displayed through the display unit of the user terminal. For customers who set up My Portfolio for the first time, select the Buy option, and for customers who have modified their existing My Portfolio, select Portfolio Change to set the amount of stocks to be matched to the weight of My Portfolio do.

13. A Batch Buying Order screen of the FAM system according to an embodiment of the present invention will be described.

FIG. 16 shows (a) a user interface order full screen of the FAM system according to the embodiment of the present invention, (b) a user interface order quotation screen of the FAM system, and (c)

First, the customer selects a box for inputting the account number and password at the top, and inputs the account number and the password. A message indicating that the service can not be executed when the account number and the password do not match can be displayed through the display unit of the user terminal. If it is confirmed that the account number and password transmitted from the user terminal match in the FAM system, the investment propensity of the corresponding account is determined. Here, the discrimination of the investment propensity is omitted because it is the same as the description of the investment propensity. If the investment propensity is not satisfied with the service available investment propensity, a message indicating that the service progress can not be performed can be displayed through the display part of the user terminal.

When the service use conditions are satisfied, (a) 100% orderable amount and cash and share weight are displayed as in ① of the FAM system user interface order full screen.

(b) FAM system user interface order quotation screen is displayed on the display of the user terminal, and the quotation is displayed on the basis of current prices The order quotation can be set in the range of -5 to +5.

After the order quotation is set (a), the corresponding order quotation is displayed as shown in ② of the FAM system user interface order full screen, and the quantity of each item is calculated and displayed.

(a) Ordering of user interface of FAM system ③ of the whole screen shows a notice of ordering.

(a) When the batch number of ④ in full screen of user interface order of FAM system is selected, (c) The user interface bulk purchase confirmation screen of FAM system is displayed in popup form on user terminal display. Customers can choose to order or cancel the purchase. If the order amount exceeds the orderable cash, a message pops up asking you to correct the order quantity.

14. A portfolio change order screen of the FAM system according to an embodiment of the present invention will be described.

FIG. 17 is a diagram showing the entire screen of the user interface portfolio change of the FAM system according to the embodiment of the present invention, (b) a user interface unfinished order history guide screen of the FAM system, (c) a user interface selling screen of the FAM system, d) FAM system user interface screen.

First, the customer selects a box for inputting the account number and password at the top, and inputs the account number and the password. A message indicating that the service can not be executed when the account number and the password do not match can be displayed through the display unit of the user terminal. If it is confirmed that the account number and password transmitted from the user terminal match in the FAM system, the investment propensity of the corresponding account is determined. Here, the discrimination of the investment propensity is omitted because it is the same as the description of the investment propensity. If the investment propensity is not satisfied with the service available investment propensity, a message indicating that the service progress can not be performed can be displayed through the display part of the user terminal.

(A) Change in user interface portfolio of FAM system As shown in ① of ①, cash, stock valuation amount, sum of cash and stock valuation sum at the time of inquiry, Can be displayed.

(a) Change of the user interface portfolio of the FAM system As shown in (2), all items in the portfolio constituting the MY Portfolio account for 100% of the total weight, current price, fluctuation, recommended quantity, Orders that can be sold or bought, and the like. Here, the recommended quantity is calculated and displayed for each item in the following formula.

Estimated number of shares = (100% orderable amount) + valuation of shares) × Share weight of my portfolio × Share weight of corresponding portfolio of my portfolio ÷ Order price

In addition, the order quantity is calculated and displayed as the quantity excluding the quantity of the quantity of the reference quantity. Here, less than trading units are truncated. (C) Go to the user interface selling screen of the FAM system. (C) Go to the number of user interface screen of the FAM system. do.

Also, if the customer selects the sell and buy, a message indicating that the next order can be processed after the previous order is concluded is displayed on the display of the user terminal if the order has not been concluded before the current time. For example, (b) can be displayed in a pop-up form as shown in the user interface uncompleted order history guidance screen of the FAM system.

(c) On the user interface selling screen of the FAM system, ① indicates that sale is selected, ② shows the corresponding account number and account name, and the password is displayed as an obscured figure. The quantity is displayed in ③, and quantity can be corrected by selecting box according to customer's choice. ④ If you select sell box, order entry is completed.

(d) In the FAM system user interface screen, ⑤ indicates that the number of copies is selected. The account number and account name are displayed in the same manner as above, and the password is displayed as an obscured figure. In addition, the quantity is displayed, and the quantity can be corrected by selecting the box according to the customer's choice. If you select the number box, the order entry is completed. Also, if an orderable quantity is selected, an orderable quantity for the item is calculated and displayed on the user terminal display unit.

15. The order detail screen of the FAM system according to the embodiment of the present invention will be described.

FIG. 18 is a view showing the entire user interface order history of the FAM system according to the embodiment of the present invention.

When the customer completes the order, the transaction details can be displayed through the user terminal display unit as shown in FIG. ① indicates the number of the account and the password displayed in figure format, ② shows the closing details of each item. Here, the closing details may include an item name, an item number, an order quantity, an order quantity, an order price, a closing price, a sales classification, an order classification, and the like.

16. The My Fam screen of the FAM system according to the embodiment of the present invention will be described.

FIG. 19 is a diagram illustrating a user interface My Fam asset evaluation screen of the FAM system, (b) a user interface My Fam overall performance analysis screen of the FAM system, and (c) a user interface My Fam system of the FAM system according to the embodiment of the present invention. Performance analysis screen.

(a) The user interface of the FAM system My Fam Assets Evaluation screen shows the number of the account and the password displayed in the figure format. In the case of discontinuation, the stocks, holdings, total valuation, deposit, total valuation profit, Can be displayed. At the bottom, the item name, order type, settlement quantity, valuation amount, current price, average purchase price, valuation profit and loss, and evaluation profit rate can be displayed for each item.

(b) The user interface of the FAM system My Fam The total number of the account and the password displayed in graphic form are displayed at the top of the analysis screen. The discontinuity is displayed for 1 month, 6 months, 1 It can be displayed in the form of a box that can be selected year by year, and the customer can directly input the date of the start and end of the following year. (B) FAM system user interface My Fam comprehensive performance analysis screen and (c) FAM system user interface My Fam comprehensive performance analysis screen. For example, the contents of the comprehensive performance analysis screen can be confirmed by touching a screen transmitted to a display unit of a smart device equipped with a touch screen and scrolling the screen. The user can touch the display unit of the user terminal to move up and down or right and left screens, The contents of the comprehensive performance analysis screen can be confirmed. In the case of a smart device without a touch screen, a screen is divided into two screens, and the screen is moved according to the operation of the left / right or up / down keys.

Although the present invention has been described with reference to the accompanying drawings and the preferred embodiments described above, the present invention is not limited thereto but is limited by the following claims. Accordingly, those skilled in the art will appreciate that various modifications and changes may be made thereto without departing from the spirit of the following claims.

10: user terminal 20: network communication network
30: smart asset management server 31:
32: Ticket information receiving unit 33: Portfolio generating unit
34: Stock trading unit 35: User interface generating unit
40: Terminology 41: Customer DB
42: Commodity DB 43: Account DB
44: Trading DB 50: Information system
51: Real-time DB 52: Portfolio DB
53: Analysis DB 60: Employee terminal

Claims (21)

A method for performing smart asset management through a smart asset management system including a user terminal, a smart asset management server, and a network communication network,
The user terminal comprises:
Portfolio display procedure to display the recommended portfolio and my portfolio as visual elements;
A cash / stock set procedure for setting the cash and stock weight of the my portfolio;
Setting a My Portfolio to be the same as the recommended Portfolio, or setting a My Portfolio as a recommended Portfolio by modifying the Recommended Portfolio;
An ordering procedure of generating a trading signal for the set my portfolio and transmitting the generated trading signal to the smart asset management server through the network communication network together with the set my portfolio data; A My Portfolio ordering procedure comprising:
;
Wherein the smart asset management server comprises:
An order processing procedure for performing a sale according to the my portfolio data and the sales signal received from the user terminal; Performing a My Portfolio order processing procedure including;
Wherein the visual element indicating the My Portfolio comprises:
A specific gravity adjustment box including a numerical data display area of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data, and / or a gravity regulating bar; And / or
At least one of a bar graph, a pie graph, a circle graph, and a line graph indicating specific gravity data for each item constituting the portfolio; And,
Wherein the graph includes an item area indicating a specific weight of each item, the size of which is displayed in proportion to specific gravity data of the item, and a boundary area for determining a boundary of the item area,
In the MIP portfolio setting procedure,
The user can select the plus / minus button area in the specific gravity adjusting box, change the position by sliding the gravity adjusting bar, or directly change the displayed numerical data,
Selecting a border area in the graph and moving its position to change the size of the item area;
A smart asset management method. The method according to claim 1,
Wherein the smart asset management server comprises:
Generating a sales selection signal for a user to select from among a lot buying or a portfolio change sale and transmitting the selection signal to a user terminal; , ≪ / RTI >
The above-
And the selection signal is a selection completion signal selected from the collective purchase number or the portfolio change sale signal for the sale selection signal. The method according to claim 1 or 2,
Wherein the smart asset management server comprises:
Analyzing a user's asset evaluation and performance after performing the trading procedure, and transmitting the data to the user terminal; The smart asset management method further comprising: The method of claim 3,
The user terminal comprises:
Receiving and displaying the data transmitted from the smart asset management server, inquiring the user about the resetting of the my portfolio, and re-performing the my portfolio setting procedure and the ordering procedure when the user selects the resetting of the my portfolio. and,
Wherein the smart asset management server comprises:
Carry out the above trading procedure again; The smart asset management method comprising: A method for performing smart asset management through a smart asset management system including a user terminal, a smart asset management server, and a network communication network,
Wherein the smart asset management server comprises:
Transmitting a recommended portfolio and my portfolio data to the user terminal;
Generating a sales selection signal to be selected by the user from the batch purchase or the portfolio change sale and transmitting the selection signal to the user terminal;
A procedure for receiving my portfolio data and a selection completion signal set from the user terminal;
Performing a collective buying or a portfolio change trading according to the received selection completion signal; , ≪ / RTI >
The user terminal comprises:
A My Portfolio Setting Procedure for receiving and displaying the recommended portfolio and the My Portfolio data from the Smart Asset Management Server, applying the received recommended Portfolio as it is to the My Portfolio, or setting the recommended Portfolio as the My Portfolio by modifying the Recommended Portfolio ;
Generating a selection completion signal by selecting either the collective purchase or the portfolio change transaction for the sale selection and transmitting the selection completion signal to the smart asset management server together with the data of the set my portfolio; Gt; and < RTI ID = 0.0 >
A specific gravity adjustment box including a numerical data display area of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data, and / or a gravity regulating bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; Displaying the data of the My Portfolio with a visual element comprising:
The user can select the plus / minus button region in the specific gravity adjusting box and click or touch at least once, change the position by sliding the gravity adjusting bar, change the displayed numerical data directly, or change the weight of each item And modifying the recommended portfolio by changing the size of the item area by selecting a boundary area for determining a boundary of the item area whose size is proportional to the specific gravity data of the item;
A smart asset management method. delete delete The method according to claim 2 or 5,
Wherein the smart asset management server comprises:
Performing a bulk buying procedure when the selection completion signal is the collective purchase number;
Performing the portfolio change transaction procedure when the selection completion signal is the portfolio change transaction; The smart asset management method comprising: The method of claim 5,
Wherein the smart asset management server comprises:
Analyzing the asset evaluation and performance of the user according to the collective purchase price or the result of performing the portfolio change transaction, and transmitting the data to the user terminal; , ≪ / RTI >
The user terminal comprises:
And receiving and displaying the asset evaluation and performance analysis data of the user transmitted by the smart asset management server. When the user modifies the my portfolio, the user sets the my portfolio again, and transmits the selection completion signal To the smart asset management server;
The smart asset management method further comprising: The method of claim 8,
The collective buying procedure includes:
A procedure for buying all the items in the My Portfolio at a time according to the proportion of the items in the My Portfolio;
The portfolio change trading procedure may include:
A procedure in which a user places an order for each stock by referring to the recommended number of stocks per stock in the set portfolio; The smart asset management method comprising: 1. A smart asset management system including a user terminal, a smart asset management server, and a network communication network,
Wherein the smart asset management server comprises:
A communication unit for transmitting / receiving the portfolio data, the sales signal, and the user interface display data to / from the user terminal through the network communication network;
A stock trading unit for processing stock trading based on a customer's portfolio and a trading signal from the user terminal;
A portfolio generating unit for generating a recommended portfolio and a customer's portfolio according to my portfolio data set by the customer through the user terminal;
And,
The user terminal apparatus comprises:
And a display unit for providing an interface for displaying and setting the My Portfolio,
The interface comprises:
A specific gravity adjustment box including a numeric data display area for displaying numerical data of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data and / or a specific gravity regulating bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; A visual element comprising: Lt; / RTI >
In the graph,
An item area indicating the weight of each item constituting the portfolio and displayed in proportion to the specific weight data of the item;
A border region for determining a boundary of the item area; And,
The user can select the plus / minus button area in the specific gravity adjusting box and click or touch at least one time, or change the position by sliding the gravity adjusting bar, directly change the displayed numerical data, or select the boundary area of the graph And changing the size of the item area by moving the position thereof is correcting the recommended portfolio in association with the change in the weight data of each item constituting the item of the recommended portfolio;
A smart asset management system. 1. A user terminal for performing asset management in cooperation with a smart asset management server through a network communication network,
The user terminal apparatus comprises:
A portfolio receiving procedure for receiving a recommended portfolio and a my portfolio from the smart asset management server;
A portfolio display procedure for displaying the recommended portfolio and the my portfolio;
Setting a my portfolio in the same manner as the recommended portfolio, or copying data of the recommended portfolio, and then modifying the data to set the data in the my portfolio;
A sales order process for transmitting the set my portfolio data and the sales signal to the smart asset management server;
, ≪ / RTI >
The data of the recommended portfolio is copied and modified to set as the data of the my portfolio,
A specific gravity adjustment box including a numerical data display area of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data, and / or a gravity regulating bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; Displaying the data of the My Portfolio with a visual element comprising:
The user can select the plus / minus button region in the specific gravity adjusting box and click or touch at least once, change the position by sliding the gravity adjusting bar, change the displayed numerical data directly, or change the weight of each item Selecting a boundary area for determining a boundary of the item area whose size is proportional to the specific gravity data of the item and changing the size of the item area by moving the position of the boundary area; And the user terminal device. 1. A user terminal for performing asset management in cooperation with a smart asset management server through a network communication network,
The user terminal apparatus comprises:
A portfolio receiving procedure for receiving a recommended portfolio and a my portfolio from the smart asset management server; A portfolio display procedure for displaying the recommended portfolio and the my portfolio; Setting a my portfolio in the same manner as the recommended portfolio, or copying data of the recommended portfolio, and then modifying the data to set the data in the my portfolio; A sales order process for transmitting the set my portfolio data and the sales signal to the smart asset management server; , ≪ / RTI >
The setting of the data of the recommended portfolio by copying and modifying the data of the recommended portfolio may include setting the numerical data display area of the specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data, and / A specific gravity adjusting box including an adjusting bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; Minus button area in the specific gravity adjustment box and clicking or touching the plus / minus button area at least once or sliding the gravity adjusting bar to change its position or displaying Or a boundary region for determining the boundaries of the item area whose size is proportional to the specific gravity data of the item is selected and the position thereof is moved to change the item area Modifying the recommended portfolio by changing the size of the recommended portfolio;
And the user terminal device. delete A portfolio receiving procedure for receiving a recommended portfolio and a my portfolio from a smart asset management server;
A portfolio display procedure for displaying the recommended portfolio and the my portfolio;
Setting a my portfolio in the same manner as the recommended portfolio, or copying data of the recommended portfolio, and then modifying the data to set the data in the my portfolio;
A sales order process for transmitting the set my portfolio data and the sales signal to the smart asset management server;
, ≪ / RTI >
The modification of the copied data of the recommended portfolio in the my portfolio setting procedure includes a plus / minus button and / or a specific gravity adjusting bar capable of changing the numerical data along with the corresponding numerical data, Specific weight control box; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; Minus button area in the specific gravity adjustment box and clicking or touching the plus / minus button area at least once or sliding the gravity adjusting bar to change its position or displaying Or by selecting a boundary area for determining the boundary of the item area whose size is proportional to the specific gravity data of the item and by moving the position of the item area, And the recommended portfolio is modified by changing the size of the recommended portfolio. delete 1. A smart asset management server for performing asset management in cooperation with a user terminal through a network communication network,
Wherein the smart asset management server comprises:
A portfolio transmission procedure for transmitting a recommended portfolio and a my portfolio to the user terminal;
A user interface creating procedure for creating a user interface for creating a portfolio signal and a sales signal displayed on the user terminal;
A sales data reception procedure for receiving the my portfolio data and the sales signal set from the user terminal;
A trading procedure for conducting stock trading based on the my portfolio data received from the user terminal and the trading signal;
An asset evaluation procedure for evaluating a user's asset based on the transaction history after the transaction procedure is performed and transmitting the analysis result to a user terminal;
, ≪ / RTI >
Wherein the user interface comprises:
The interface comprises:
A specific gravity adjustment box including a numeric data display area for displaying numerical data of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data and / or a specific gravity regulating bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; A visual element comprising: Lt; / RTI >
In the graph,
An item area indicating the weight of each item constituting the portfolio and displayed in proportion to the specific weight data of the item;
A border region for determining a boundary of the item area; And,
The user can select the plus / minus button region in the specific gravity adjustment box and click or touch at least one time, slide the gravity adjusting bar to change the position, directly change the displayed numerical data, or select the boundary region of the graph Changing the size of the item area by moving the position is configured to modify the recommended portfolio in association with the change in the weight data of each item constituting the item of the recommended portfolio;
Smart asset management server. 1. A smart asset management server for performing asset management in cooperation with a user terminal through a network communication network,
Wherein the smart asset management server comprises:
A portfolio transmission procedure for transmitting a recommended portfolio and a my portfolio to the user terminal;
A user interface creating procedure for creating a user interface for creating a portfolio signal and a sales signal displayed on the user terminal;
A sales data reception procedure for receiving the my portfolio data and the sales signal set from the user terminal;
A trading procedure for conducting stock trading based on the my portfolio data received from the user terminal and the trading signal;
An asset evaluation procedure for evaluating a user's asset based on the transaction history after the transaction procedure is performed and transmitting the analysis result to a user terminal;
Performing the steps comprising:
The interface comprises:
A specific gravity adjustment box including a numeric data display area for displaying numerical data of specific gravity data for each item constituting the portfolio, plus / minus buttons for changing the numerical data and / or a specific gravity regulating bar; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; A visual element comprising: Lt; / RTI >
In the graph,
An item area indicating the weight of each item constituting the portfolio and displayed in proportion to the specific weight data of the item;
A border region for determining a boundary of the item area; And,
The user can select the plus / minus button area in the specific gravity adjusting box and click or touch at least one time, or change the position by sliding the gravity adjusting bar, directly change the displayed numerical data, or select the boundary area of the graph And changing the size of the item area by moving the position of the item, the program comprising a program for correcting the recommended portfolio in association with a change in weight data of each item constituting the item of the recommended portfolio. 18. The method of claim 17 or 18,
Wherein the trading signal received from the user terminal is a collective buying signal for collectively purchasing a stock according to the stock weight of each stock set in the my portfolio or a portfolio change trading signal for placing a separate trading order for each stock constituting the my portfolio Smart asset management server. It is mounted on a smart asset management server that performs asset management in cooperation with a user terminal through a network communication network,
A portfolio transmission procedure for transmitting a recommended portfolio and a my portfolio to the user terminal;
A user interface creating procedure for creating a user interface for creating a portfolio signal and a sales signal displayed on the user terminal;
A sales data reception procedure for receiving the my portfolio data and the sales signal set from the user terminal;
A trading procedure for conducting stock trading based on the my portfolio data received from the user terminal and the trading signal;
An asset evaluation procedure for evaluating a user's asset based on the transaction history after the transaction procedure is performed and transmitting the analysis result to a user terminal;
, ≪ / RTI >
The interface comprises:
A numerical data display area for displaying numerical data of the specific gravity data for each item constituting the portfolio, a specific gravity adjusting box including a plus / minus button and / or a specific gravity regulating bar capable of changing the numerical data; At least one of a bar graph, a pie graph, a circle graph, and a line graph that displays specific gravity data for each item constituting the portfolio; A visual element comprising: Lt; / RTI >
In the graph,
An item area indicating the weight of each item constituting the portfolio and displayed in proportion to the specific weight data of the item;
A border region for determining a boundary of the item area; And,
The user can select the plus / minus button area in the specific gravity adjusting box and click or touch at least one time, or change the position by sliding the gravity adjusting bar, directly change the displayed numerical data, or select the boundary area of the graph And changing the size of the item area by moving the position thereof is corrected by associating the change in the weight data of each item constituting the item of the recommended portfolio. The method of claim 20,
The trading signal received from the user terminal includes a collective buy signal for collectively buying shares according to the stock weight of each stock set in the my portfolio or a portfolio change trading signal for issuing a separate trading order for each stock constituting the my portfolio The program being recorded on the computer readable medium.

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