KR20000054314A - The method and system by using the internet to judge the adequate qualification of a person to invest in securities - Google Patents

Abstract

PURPOSE: An internet-based personal stock investment aptitude discriminating method and the system is provided so that loss causing reckless investment can be shortened by analysing personal information and constructing aptitude results relating to the stock investment. CONSTITUTION: An internet-based personal stock investment aptitude discriminating method and the system includes several steps. A step(300) is to display a first type questionnaire. In an another step(305), a user inputs correct answers to the questionnaire. Thereafter, a discriminating module unit (14) certifies whether the input is finished (310) and displays the finish message. A class module unit (13) analyzes the user's personal information and divides a second step questionnaire (315). When the first step questionnaire is finished, the discriminating module unit (14) transfers a web page including a second step questionnaire to the user's terminal (320). The second step questionnaire is most important step for discriminating the user's stock investment aptitude. When the second step questionnaire is finished, points relating to each problem are calculated (335) and stored. When the second step questionnaire is finished, the discriminating module unit (14) transfers a web page including a third step questionnaire to the user's terminal (345). In the third step, limiting time of 2 minutes is given and if acquired points are above 60 points, the user is discriminated as a qualified person.

Description

The method and system by using the internet to judge the adequate qualification of a person to invest in securities}

The present invention relates to a method and system for determining an individual's eligibility for investment in securities based on the Internet, and more particularly, to determine whether an individual is eligible for securities investment and aptitude for a securities investment tendency. Analyze the personal information of Internet users who access the awards and link it with the knowledge base that organizes the data to test the investment aptitude of securities investors. The present invention relates to a method and system for determining the securities investment eligibility of an individual based on the Internet, which enables the display and investment of securities according to their investment aptitude.

In the early days of capitalism, where modern corporate forms began to take root, they were small in size and largely dependent solely on capital investment by one person.However, as the industrial society develops, the capital required to form, maintain, and develop a company It was too much to bear, so the form of one firm's dependence on an individual was inefficient and risky.

With the development of these industries, the form of corporations is enormous, so that each corporation can encourage the participation of the majority or the public rather than relying on a few shareholders to cover the capital needed for business activities. The corporate structure of a corporation, which recognizes limited liability of the company, has become commonplace in modern times.

The stock exchange is used to raise capital of such corporations. To protect a large number of securities investors, centralized management of listed securities transactions enhances the efficiency of securities transactions, and trade trading system. It is operated by the transaction system, the transaction system and the settlement system.

In addition, the KOSDAQ market, modeled on the NASDAQ of the United States, has been established to address the difficulties of financing for small and medium-sized companies or recently ventured companies that cannot use the stock exchange due to unlisted stocks.

Securities, which are means of financing in the form of joint stock companies, have recently increased in number of people who want to buy and sell stocks in a short period of time, rather than the original purpose of receiving dividends for the purpose of long-term investment. There are many people around the world investing in securities so that it is not too much to say that it is the securities era, and the population of securities is increasing day by day.

As the population of securities grows, a small number of investors who gain a lot of profits from securities investments, especially the KOSDAQ market, are transformed into speculative investments that seek short-term profits rather than securities investments. As a result, many companies are often trying to use up their assets depending on the rumors of the securities firms, rather than the possibility of future growth.

As such, the number of investors who suffered from the investment in securities has occurred frequently as mentioned above, which causes many investors to suffer serious social damages due to the securities investment, which can cause problems in their social life. Provide a variety of securities information for many small investors.

However, most securities investors need to know whether their investment propensity is appropriate for their investment, how much knowledge they have about investing, how likely they are to succeed if they invest in them, and what they need to replenish for their investment. Little is known about their own investment tendency to invest in securities, such as what is wrong, and there is a problem that does not become a fundamental measure to protect investors who suffer huge losses due to securities investment.

On the other hand, in recent years, with the remarkable development of the information and communication field and the Internet due to the digital revolution, the modern society has been able to receive the necessary information in real time through media such as computers or mobile communication terminals.

The Internet, which was simply used for military purposes, has been widely used in recent years without being limited to a specific field. As it becomes a part of real life, the number of Internet users using the Internet is rapidly increasing, and thus a service provider who provides a specific service to the Internet user. The number of people is increasing rapidly.

Conventionally, it is scientifically targeting securities investors, such as personality test and vocational aptitude test program, which is conducted for teenagers and college students on the Internet, which is open to anyone without being constrained by time and space. Although there is a program to determine the realistic and objective adequacy of securities investment, it is limited to the conventional personality test and aptitude test, but there is no aptitude test program related to securities investment. There is a need to build a sound investment culture by making people aware of their investment tendencies.

The present invention has been made to solve the above-mentioned conventional problems, and analyzes the personal information of the people who are connected on the web server to determine the stock investment aptitude to those who want to invest securities based on the Internet, Users can invest their securities by classifying the aptitude results on the trend of users' investments after analyzing them through systematically storing the relevant data that can be used to determine the stock investment aptitude. It aims to establish a sound stock investment culture by recognizing the tendency toward aptitude, to have correct and accurate knowledge and recognition of securities, and to prevent the loss of indiscriminate investment.

Another object of the present invention is to provide customers who want to invest in securities by objectively evaluating their qualities as a counselor who can invest and consult securities when hiring employees at securities firms and banks. The aim is to provide better services and to promote the activation of securities.

On the other hand, if the securities investment aptitude test according to the present invention is conducted to all securities investors nationwide, the unstable securities market will be stabilized, and the necessary capital for each company can be provided in a timely manner, thus reviving the national economy. It is trying to play a part.

A first step in which a user of a client unit is granted a member right through a member authentication unit of a web server unit providing a service according to the present invention through a web browser to achieve the above object; A second step of classifying, by a classification module unit, personal information of the user to whom the member right is granted, and classifies the user into a certain type; The eligibility determination module searches the knowledge base for a questionnaire that can be used to determine whether an individual is eligible for an investment classified by the classification module, and presents the question to the user step by step so that the user responds to the questionnaire. The third step; And a fourth step of determining whether the user is eligible for investment in securities on the basis of the result derived in step 3, and preferably performing the securities investment eligibility determination method of the individual based on the Internet.

A member authentication unit in which a user of the client unit is granted a member right to receive the service according to the present invention through a web browser; A classification module unit which classifies the personal identification information input by the member authentication unit into a certain type; An eligibility determination module unit for presenting a questionnaire corresponding to the user step-by-step in conjunction with a questionnaire for determining whether the user is eligible for investment and calculating a score for the answered questionnaire to determine whether the investment is eligible for investment; It is implemented to provide a securities investment eligibility determination system for an individual based on the Internet, characterized in that the agent unit consists of an agent system unit which provides a user with the latest securities information in real time by searching a site providing various securities related information.

1 is an overall block diagram constructed by one embodiment of the present invention

Figure 2 is a flow chart showing the process of member authentication unit applied to the present invention

Figure 3 is a flow chart showing the process of the classification module unit applied to the present invention

Figure 4 is a flow chart showing the process of the eligibility determination module applied to the present invention

* Description of Signs of Main Parts of Drawings *

1. Client section 2. Web browser

10. Web server unit (investment eligibility determination server unit)

11. Member Certification Division 12. Member Database Division

13. Classification module 14. Qualification determination module

15. Knowledge Base 20. Agent System

21. Agent Division 22. Securities Information Database Division

Hereinafter, the objects, features and advantages of the present invention will be described in more detail with reference to the preferred embodiments of the present invention shown in the accompanying drawings, the following terms are defined in consideration of functions in the present invention, which The definitions should be made based on the contents throughout the specification, as it may vary according to the intention or practice of the skilled person.

1 is an overall block diagram constructed by an embodiment of the present invention, Figure 2 is a flow chart showing the process of the member authentication unit applied to the present invention, Figure 3 shows a process of the classification module unit applied to the present invention 4 is a flowchart illustrating a process of the eligibility determination module unit applied to the present invention.

1 is an overall block diagram constructed by one embodiment of the present invention.

The subject of the service providing the service according to the present invention is composed of a web server unit 10 and a knowledge base unit 15. For the convenience and understanding of the description, the web server unit will be referred to as an investment determination server unit. .

The investment eligibility determination server unit 10 is an Internet web server that is in charge of information exchange with a user who uses a service. When the user requests a service through a web browser, the investment base determination server unit 10 stores information stored in the knowledge base unit 15 in a predetermined format. The knowledge base 15 is a component that classifies and stores data in a predetermined format in order to provide a specific service.

As shown, when the user of the client unit 1 accesses the investment eligibility determination server unit 10 that provides the service according to the present invention through a web browser, the member authority is granted through the member authentication unit 11. The user's personal information input from the member authentication unit 11 is combined to select the problem type in the classification module unit 13, and the result of the step-by-step questionnaire answered by the user in the eligibility determination module 14 is a knowledge base. In conjunction with the unit 15 to display a percentage scored to enable the user to determine the investment eligibility, and by the agent unit 21 to search for a variety of securities information providing site additionally provides securities related information.

The member authentication unit 11 grants the member authority through the member authentication procedure when the user of the client unit 1 accesses the investment eligibility determination server unit 10 to provide the service according to the present invention through a web browser. To do this, the client is not granted the member authentication authority to go through the membership registration process, but can be configured as a general member and a gold member and then stored in the member database unit 12 to receive the service according to the present invention To be able.

The classification module unit 13 assigns a classification code by combining attributes extracted from the personal information of the user stored in the member database unit 12 through the member authentication unit 11, and assigns the classification code to the knowledge base unit 15. Select the survey type that corresponds to the specific code stored.

The eligibility determination module 14 presents a questionnaire corresponding to the user step by step in conjunction with the knowledge base unit 15 to determine whether a member is authorized to invest in securities investment, and responded to the questionnaire. The score is calculated to determine whether the user is a suitable aptitude for investing in securities, and when qualified, the objective of the securities investment is analyzed objectively and scientifically to guide the securities investment.

The knowledge base unit 15 may analyze the securities investment trends of the individual to determine eligibility, that is, factors that may affect the securities investment, that is, gender, age, marital status, and no experience in securities investment. It is classified into 24 types of questionnaires according to no. And gives each classification code, and analyzes the user's personal information at the user's request and provides the questionnaire type corresponding to the classification code given to the user to qualify for investment in securities. To be judged.

The agent system unit 20 visits and searches the site where the agent unit 21 provides various securities related information with the latest securities related information so that the user can use the service according to the present invention as a guide to successful securities investment. It stores in the stock information database 22, so that you can provide the latest securities related information in real time at the request of the user.

2 is a flowchart illustrating a process of the member authentication unit 11 applied to the present invention.

The user of the client unit 1 accesses the investment determination server 10 through a web browser (100) and needs to go through the member authentication process in the member authentication unit 11 to receive the corresponding service. 11) is transmitted through the Internet so that a user interface for inputting a user ID and password is displayed on the terminal of the user, and the user of the client unit 1 enters the user ID and password (110) through the Internet. If so, the member authentication unit 11 searches the member database unit 12 (120) to confirm whether the member is authenticated.

If the user is not registered as a member that can use the service according to the present invention, a procedure of joining as a new member is performed (140). First, the terminal of the client unit 1 in the member authentication unit 11 Send a web page to select a membership level, and randomly select a gold or general membership level from the user interface displayed by the user (150). Make a difference.

In other words, the Gold member and the general member should be provided with the questionnaire of steps 1, 2, and 3 to determine whether the investment eligibility provided by the eligibility determination module described below is provided, but the additional service related to securities such as stock status and stock investment A variety of information that serves as a guide is provided only to Gold members, not to regular members, and there is a difference between the Gold member and the regular member in terms of costs, and payment for the fee is usually made through phone banking in the user interface. In order to make a payment using a payment method such as bank transfer, credit card, etc., the bank agrees in advance and inputs the user's credit card number so that the bank can accept it.

When the user pays a predetermined amount as a gold member or a general member through the above process (160) to set an environment variable to receive the service according to the present invention (170), the user's payment is not made Otherwise, if the payment is made in the standby state (160), an environment variable that can receive the service according to the present invention is set.

When the membership level is determined, the user inputs his or her personal information on the screen for entering personal identification information for member registration and transmits it to the member authentication unit 11, and the member authentication unit 11 transmits the user. The personal information of the user is received and stored in the member database unit 12 (170) to grant the member authority to the user. (190)

3 is a flowchart illustrating a process of the classification module unit 13 applied to the present invention, wherein a user of the client unit 1 accesses the investment eligibility determination server unit 10 through a web browser and receives a corresponding service. In order to receive a gold member or a member of a general flower garden through the process as shown in FIG. 2, the eligibility determination module 14 provides a step-by-step questionnaire for determining a user's stock investment eligibility. Let's look at the process of the classification module 13 to select the questionnaire type to determine the securities investment eligibility through personal information of the.

The classification module 13 is primarily classified by gender, which is a component that may affect the securities investment among the personal information registered by the user through the member authentication unit 11, and 2 by age. After classifying (210), tertiary classification by marital status (220), and quaternary classification by securities investment experience (230), it is determined whether they fall into 24 classification types. 240)

If the classification through the user's personal information does not correspond to 24 classification types, the service according to the present invention cannot be provided and ends. When the classification is applied to 24 classification types, a classification code is assigned to the user. In step 250, the questionnaire type stored in the knowledge base unit 15 is searched (260) to select a questionnaire type corresponding to the classification code assigned to the user (270). In step 280, the selected questionnaire type is transmitted to the user.

4 is a flowchart illustrating a process of the eligibility determination module 14 applied to the present invention.

The user of the client unit 1 is granted a gold member or a member as a general member through the process as shown in FIG. 2 in order to access the investment eligibility determination server unit 10 through a web browser and provide the corresponding service. Then, the questionnaire type corresponding to the classification code given to the user through the process as shown in FIG. 3 is presented in the knowledge base unit 15 to be selected as one of the answers presented in the question.

When the user goes through the above process, the eligibility determination module 14 transmits a web page including a type 1 questionnaire for determining whether the investment is eligible for securities investment through the Internet and is displayed on the user's terminal.

The type of first-level questionnaire displayed on the user's terminal is typically used to prepare the user to take the questionnaire to relieve tension by reducing the burden on the questionnaire and to induce a result for more accurate investment eligibility. As a corresponding step, it is not included in the score for determining eligibility, and is discarded after being used no more than step 1.

When the user inputs the answer to the first-level questionnaire type displayed on the user's terminal (305), the eligibility determination module 14 checks whether the input is terminated (310) and inputs the answer to the first-level questionnaire type. Upon termination, the termination message is displayed on the user's terminal, and the classification module 13 analyzes the user's personal information and branches to the two-step questionnaire type stored in the selected knowledge base unit 15. (315) )

When the first step questionnaire type is completed as described above, the eligibility determination module 14 transmits a web page including the second step questionnaire type to determine whether the user is eligible for investment in securities through the Internet and is displayed on the user's terminal. (320).

The type of questionnaire of the second stage displayed on the user's terminal is the most important step in determining securities investment eligibility. Each of the suggested matters is given a corresponding score so that when the user selects the item corresponding to the user, the total score is calculated by linking the score for each problem with the knowledge base unit 15.

When the user inputs the answer to the second type of questionnaire displayed on the user's terminal (325), the eligibility determination module 14 checks whether the input is terminated (330) and ends the input of the answer to the questionnaire type. In operation 3, the score is calculated for each item of the second step in conjunction with the knowledge base unit and stored (335). Then, the terminal displays a termination message on the user's terminal and determines whether the user is eligible for investment in securities. Branch to question type (340)

As described above, when the second step questionnaire type ends, the eligibility determination module 14 transmits a web page including the third step questionnaire type for determining whether the user is eligible for investment in securities through the Internet and is displayed on the user's terminal. (345)

The three-step questionnaire type displayed on the user's terminal is a step for measuring a highly influential mathematical ability among the components that affect an individual's investment in securities. As the score is assigned to each term of each formula, the time limit is 2 minutes, and if you input the answer corresponding to each formula, the total of the corresponding scores is calculated.

In order to calculate a special equation for determining whether the user's investment eligibility is determined in step 3, the time limit is 2 minutes, and the timer is initialized to 2 minutes and then executed (350).

When the user inputs an answer in the three-step special formula questionnaire type displayed on the user's terminal (355), the eligibility determination module 14 checks whether the time limit is greater than two minutes (360) and two minutes If exceeded, the corresponding score is calculated only for the items answered by the time exceeding 2 minutes (370).

If the time limit does not exceed 2 minutes, it is checked whether the input is terminated (365). When the input of the answer is finished, the score for each item of the three-step special formula questionnaire type is calculated (370).

The second stage score is 95% and the third stage score is 5%. If the total percentage is calculated (375), a score of 60 or more is determined based on the maximum 100 points, and if the score is less than 60, a judgment of securities investment is not qualified (380).

If the score calculated as the above percentage is less than 60 points and receives an ineligibility determination, display an ineligible message on the user's terminal (385), and if the user obtains a score of 60 points or more and is determined to be eligible, The reference data on the stock investment trend of the corresponding user is searched in the knowledge base unit 15 (390), and the reference data on the stock investment trend by the score is extracted (395) and transmitted to the user's terminal for display. (396)

As such, looking at the service process for determining whether the individual is eligible for investment securities provided by an embodiment of the present invention.

The user of the client unit accesses the investment eligibility determination server unit 10 through a web browser and undergoes a member authentication process by the member authentication unit 11. The user authentication unit 11 determines whether the user is a gold member or a general member. ) To set environment variables to set the service level.

If the user is a Gold member, the entire module of the service is performed to serve the perfect result, and various recent securities related information can be provided in real time.If the general member, the entire module of the service is performed, but the entire result is performed. It doesn't show it all.

When the environment of the user is set up by the member authentication unit 11 as a gold member or a general member, the classification module unit, based on the user's personal profile information stored in the member database unit 12, gender, age, marital status · After assigning the classification code by combining the attributes according to the presence or absence of experience in investing in securities, select the questionnaire type corresponding to the classification code stored in the knowledge base unit 15.

The knowledge base unit 15 is classified into 24 types based on the sex, age, marital status, marital status, and experience of securities investment, based on components that can affect securities investment. It stores 38 to 51 problems so that the user's personal information can be analyzed at the user's request, and the questionnaire type can be selected and provided to the user. The 24 types are shown in [Table 1].

type gender Age layer Marital Status Investment experience W Woman 20-30 married U B Woman 20-30 single U C Woman 20-30 married radish D Woman 20-30 single radish E Woman 40-50 married U F Woman 40-50 Single, dog U G Woman 40-50 married radish H Woman 40-50 Single, dog radish I Woman After 60 married U J Woman After 60 Single, dog U K Woman After 60 married radish L Woman After 60 Single, dog radish M man 20-30 married U N man 20-30 single U P man 20-30 married radish Q man 20-30 single radish R man 40-50 married U S man 40-50 Single, dog U T man 40-50 married radish

A man 40-50 Single, dog radish X man After 60 married U V man After 60 Single, dog U Y man After 60 married radish Z man After 60 Single, dog radish

When the type corresponding to the user is selected by the classification module unit 13 through the personal information of the user stored in the member database unit 12, the securities investment module 14 is eligible to invest in the user's terminal. The third stage questionnaire for determining whether or not to be sent is to be displayed to the user step by step to enable the answer.

The contents of the survey for each step are as follows.

Step 1 is suggested to reduce the burden on users of the questionnaire 2 and 3 and to obtain accurate results.

@Be sure to warm up your mind before entering this question.

Quickly and joyfully, you can solve it as if you had a momentary idea in your head.

The important thing is not to think deeply, but to write it out quickly.

1. What is your name?

2. What's your favorite color?

3. What is one earnest desire?

4. Where do you want to go most?

5. When did you feel sad?

6. When did you feel lonely?

7. When did you feel most resentful?

8. When did you feel happiest?

9. What does 'animal' float?

10. What river rises as a 'flowing river'?

The questionnaire type of step 1 is not used as a basis for calculating the result of the eligibility determination and is automatically discarded after the user responds.

When the user ends the survey type in step 1, the user branches to the survey type in step 2, wherein the survey type in step 2 is selected from the 24 types stored in the knowledge base unit 15 in the classification module unit 13. The eligibility determination module unit searches for a type that matches the classification code that combines the attributes obtained from the personally identifiable information to be displayed to the user, and the user responds to the sum of scores for each item.

In one embodiment, if the user is a man, age 45, married, and have experience investing in securities, it corresponds to the 'R' type as shown in [Table 1]. The types are as follows.

1. (sincerity)

end. I tend to take care of myself very much.

I. I don't take care of myself.

All. I almost forget myself.

la. Sometimes I take care of you.

2. (Planability)

There is a lot of free time in life.

I. There is no free time in life.

All. It is a life that is very chased by time.

la. I am chased by time and by life.

3. (Insight)

A. Before investing in stocks, he tends to analyze political, economic and psychological conditions and develop a sound investment strategy.

I. Before investing in stocks, she listens and analyzes securities news such as morning newspapers and TV.

All. Before investing in stocks, they tend to gain instinct or intuition through meditation.

la. I tend to judge only by looking at the stock price movement that day.

4. (decision)

I'm good at what to expect.

I, the expected hit rate is high.

All. I tend to focus on reality rather than on expectations

la. Expect to jump in boldly.

5. What stocks started to fall as soon as I bought them? (Greedy)

Since I bought in anticipation of the damage in advance, I will sell it off without any regrets if the original loss falls.

I. If you hold on for a while and fall further, I will get a new one and buy you more.

All. Even if I lost my principal, I think I bought it wrong and sell it immediately.

la. I will hold on until the principal returns.

6. (Brain trafficking)

A. Investing in stocks depends on one's own intuition and some desire.

I. Investing in stocks tends to use a lot of intuition.

All. Stock investment, etc., is relatively much driven by momentary impulses, according to others.

la. Based on accurate review and analysis, they move boldly only when they are confident.

7. (gambling)

end. I enjoy go-stops.

I do not enjoy Gostop.

All. I enjoy Gostop very much.

la. Go-stops are often used for play.

8. (confidence)

I tend to believe in myself.

I. I believe in myself with confidence.

All. I don't believe in myself.

la. Because they do not always believe in themselves, they tend to rely heavily on others.

9. (Repairability)

end. The concept of numbers is strong.

I. The concept of numbers is quite common.

All. There is no concept of numbers.

la. The concept of numbers is very strong.

10. (Judgement Power)

end. I have missed many good opportunities many times in my life.

Me, the opportunity I've been hoping for has never come.

All. I live hard and sincerely believing that a good opportunity will come for the rest of my life.

la. I think it's a chance and now it's bothersome.

11. (relaxed mind)

end. I always open my mind to live.

I always close my mind and live.

All. There is no one who can open the heart.

la. I do not feel the need to open my heart.

12. (potential)

end. I tend to believe that I have a good subconscious mind.

I. I tend to believe that I have no subconscious mind.

All. He believes that he is subconscious and tries to enlighten him.

la. I firmly believe that there is no good subconscious at first.

13. (thinking)

end. I think I'm logical.

I. I think you are common sense.

All. I think I'm sensuous.

la. I think I'm empirical.

14. (Creativity)

end. I come up with an idea sometimes.

I. I always think of new ways to make money.

All. We are spared no effort in creating new business opportunities.

la. There is a relatively high ability to turn over problems and turn them into good opportunities.

15. (Practicability)

end. I have an active mindset.

I have a positive and positive mindset.

All. I have a negative way of thinking.

la. I have a destructive way of thinking.

16. (Objectivity)

end. I tend to carry out subjective thinking.

I. I tend to carry out objective thinking.

All. I tend to carry out very subjective ideas.

la. I tend to carry out very objective ideas.

17. Goal Setting

end. I always set goals.

I. I always set goals and practice them.

All. Instead of the goal, then I tend to solve the situation.

la. I try to live as soon as possible.

18. (control)

end. I have self-control.

I. I do not have self-control.

All. Self-control is very strong.

la. I have very little self-control.

19. (Time Management)

end. I'm good at time management.

I. I'm not good at managing time.

All. I'm very good at time management.

la. I do not manage time at all.

20. (Challenge)

end. I'm not afraid of failure.

I. I believe that anything can succeed only through failure.

All. I am terrified to fail anything.

la. I do not touch my hands from the beginning if I fail to do so.

21. (Environmental Compliance)

end. I like change very much.

I. I hate change the most.

All. I'm afraid of change.

la. I'm insensitive to change.

22. (Breathability)

end. I tend to go with an enterprising wake up.

I. I always linger in place.

All. I always feel backing.

la. He has a very enterprising spirit and courage is great.

23. What if the couple is not happy? (In couple life)

end. Because we lost a lot of money from stock investment

I. Because of the reason

All. Because of children

la. Because of the difference

24. What is the sex life between couples? (Satisfaction with sex life)

end. I tend to live without satisfaction.

I. Each other works hard for satisfaction.

C. They are passive depending on the spouse's reaction.

la. Each other is very active and enjoys Sunghee.

25. (Life Hall)

end. Live while feeling the emptiness of life.

I. There are many times when you have a terrible idea that you are like useless human waste.

All. Lives depressed, feeling that life is meaningless.

la. I think that life is beautiful and valuable and I live vigorously.

26. When did you fight a couple? (Understandability)

end. Marriage fights are light thoughts that are plucked with a knife and tend to make sense of anger and anger immediately.

I. Wait for the opponent to get angry.

All. I tend to stay away from sleeping together and sleep alone in another room for a few days.

la. Before you go to bed, I'd like to let go.

27. When do you want to buy stocks? (Stock selection)

end. When a stock tries to break through its high,

I. Low price stocks

All. Stocks that fell sharply due to malicious rumors and tried to rebound

la. It is reported that the performance has been greatly improved.

28. When do you want to sell stocks? (Sale timing)

end. When sudden bad news falls with me

I. When you are recommended to sell because you climbed a lot

All. When stock price of 25%-30% of purchases rose

la. When trading volume and stock price begin to show adjustment

29. Which sport would you choose? (Propensity to invest)

end. Popular Themes

I. Performance blue stock

All. Small and medium individual stocks

la. Blue Chip

30. What is your investment pattern? (Investment pattern)

end. Long-term investment

I. Mid-term investment

All. Short-term investment

la. Short-term investment

31. What if you succeeded in investing in stocks? (Stock investment measurement)

end. Because I bought a lot of events that rose by chance

I. Because I believed only in the investment counselor's words

Because we set big goal

la. Because of stubbornness and strong commitment

32. What if the stock investment failed a lot? (Investment misuse)

end. Because I've been so greedy

I. Because there was too much hesitation

All. Because they used credit without fear

la. Because I had frequent brain trade

33. What if you're in trouble because of a failed stock investment? (Depth measurement by failure)

end. I've blown up my house, such as an apartment.

I. One of the couple has been admitted to a mental hospital.

All. I have been divorced.

la. Long-term hospital care due to worsening of diabetes and other diseases.

34. What kind of stock you bought for thirty million won, but the profit of nine million won on oil alone? (Charity)

end. I will come to a more prudent attitude, considering the meaning of idioms.

I. I will make my living by investing in stocks, realizing that I can make big money from stocks without effort.

C. Realizing that the stock investment was a magic trick, I will invest more money with additional funds.

la. I realize that there is a stock fortune, and I will celebrate with joy.

35. What if you used credit and credit? (Investment habits)

end. Because many people write in the room

I. Because I'm bare

All. With little capital

la. I thought I could make more money

36. What if a stock rose sharply and then suddenly went through volume trading? (Common sense)

end. I will sell and sell half of the remaining profits.

I. I will buy more stocks that I have not bought enough in the meantime.

All. I will cope with it after looking at the change of hands for a day or two.

la. We will sell all the stocks unconditionally, considering the volume trades.

37. What do you think is a way to make a lot of money from stock investment? (Investment Experience Discrimination)

end. Small and medium-sized individual stocks are bought early and sell when they rise significantly.

I. Only stocks that have fallen dramatically due to poor earnings are picked up and sold at the lowest level.

All. When the stock market plunges due to the bad news from the downturn, we find shares that are expected to rise and sell them in small increments.

la. It keeps track of the stocks it runs, and buys and sells it on a day-to-day basis.

38. What if only one-fifth of the principal remains from stock investment? (Money control)

end. We will do our best to thoroughly analyze the causes of loss, establish new countermeasures and use the countermeasures.

I, myself, assume that stock fortunes are not followed, and I will clean up the remaining money and leave the stock market completely.

All. I will receive additional collateral loans from financial institutions to invest more money.

la. I will continue to invest until I can find the principal with the remaining amount.

39. (Capital allocation)

end. If you start investing stocks with 30 million won of capital, you will invest only 1/2 of your capital in any stock.

I. I will buy 100 shares of good stock in the market.

C. After learning some of the stock market as a practice game, we will invest only about one sixth of the capital and use up to one-half of the remaining capital as we gain practical experience.

la. I'll invest all the money in one stock.

When the user inputs the answer to the questionnaire of step 2, the knowledge base unit 15 calculates the score for each question in conjunction with the questionnaire, but the score displayed as the result is -5 to +5 points. B, C, and D are given, and the items in parentheses for each item indicate the components that may affect the investment of securities, and each item is formulated based on that component. These are the problems, and the calculated scores are stored separately and branched to step 3.

The third step is to check the numeracy ability, one of the most influential components for the individual's successful investment in securities. Check one more time to check your correct sense of numeracy.

As such, a special formula is developed to check a user's correct repair ability, and the user is given a limited time of 2 minutes in calculating the special formula so that the special formula can be calculated within a limited time.

Looking at the contents of the three-step special formula to determine whether the user is eligible for investment in securities.

1.1 + 5 + 7 + 9 + 11 + 3 + 5 + 7 + 14 + 15 + 17 + 19 + 21 + 11 + 9 + 12-12 + 11-43 (132)

2.4 + 18 + 42 + 44 + 42 + 18 + 14 + 22 + 46-32-42-18-44 + 12-41-46-44 + 48-20 (23)

3.11 + 13-45 + 47 + 49 + 49-47-45 + 45 + 43-41-41 + 43 + 47-49 + 21 + 31-43 + 65 (153)

4.11-33 + 77-55 + 99 + 39 + 65-63-57 + 41 + 43 + 45-49 + 57-55-53 + 51 + 41 + 43 (247)

5. 4 + 18 + 42 + 24 + 48-44 + 46 + 32-38 + 36 + 40-44 + 46 + 38-34-72-62 + 64-66 (78)

6. 4 + 4 + 12 + 34 + 66-22 + 30-50 + 56-70 + 90-94 + 84-64 + 56-46 + 36-28 + 12 (110)

7.11 + 21 + 31 + 41 + 51-61 + 71 + 71-51 + 41-31 + 21-11 + 13-17 + 15 + 37-47 + 57 (263)

8.11 + 13 + 9 + 23-7 + 25 + 11-47 + 25 + 8-47 + 77-13 + 41-53 + 67 + 79-81 + 11 (152)

9.4 + 12 + 24-36 + 48 + 50-46 + 44-32 + 30-26 + 24-18 + 16-14 + 12-20 + 24-26 (70)

10. 11 + 91 + 83 + 75-67 + 59-41 + 33-25 + 17-9 + 11-13 + 15-17 + 21-33 + 45 + 57 (313)

11.4 + 3 + 19 + 27-19-21 + 43-35 + 27 + 49-11-13-25 + 37-49 + 51-43 + 55-37 (62)

12.4 + 99 + 78 + 87-65 + 57 + 49-31 + 23-15 + 11-21 + 33-87 + 63 + 51-43 + 31-23 (301)

13.11 + 22 + 50 + 74-94 + 64-54 + 44-34 + 24 + 14 + 24-36 + 46-20 + 56 + 44-36 + 44 (243)

14.11 + 91 + 21-31 + 41-51 + 61-71 + 11-21 + 41-31 + 51-71 + 61-81 + 21 + 11 + 31 (95)

15.4 + 12 + 24 + 34-44 + 54-64 + 74-84 + 94 + 84-74 + 64-54 + 44-34 + 24-14 + 10 (154)

16.11 + 91 + 81 + 71-63 + 55-47 + 39-21 + 13 + 11 + 83-73 + 65 + 55-47 + 47 + 37-27 (381)

17.4 + 56 + 34 + 42-36 + 48-58 + 62-18 + 14 + 26-38 + 46-22 + 70-40 + 92-20 + 24 (286)

18.4 + 22 + 24 + 26 + 28-30 + 32 + 30-28 + 26 + 24-22 + 20 + 18-46 + 14 + 42-60 + 48 (172)

19.11 + 51 + 53 + 45 + 37-29 + 61 + 53-45 + 37 + 29-21 + 13 + 55-67 + 71-13-45 + 57 (379)

In the three-step special formula, the horizontal × vertical format takes the form of 19 × 19, and the difference for each question is 5 points, and 5 points are calculated by calculating the formula of one item correctly. If you calculate all 19 questions correctly, you will get 100 points.

As described above, the results of the user's answers to the question types of steps 2 and 3, which determine whether the user is eligible for investment in securities, are displayed as scores. The result of the treatment is calculated as a percentage of the whole at the rate of 5% to display the result.

The percentage score is based on a maximum of 100 points, at least 60 points are eligible for securities investment. If the score is less than 60 points, the securities investment is deemed ineligible. The score is further divided into five points, and the reference data on the securities investment tendency corresponding to the score is stored in the knowledge base unit 15. When the user is determined to be eligible for securities investment through the above process, the user corresponding to the score range Make sure that data on investment trends are provided to guide you in your investment.

In one embodiment, if the user is eligible for investment after the above steps 1, 2, and 3, the reference data on the investment trend corresponding to the user's score is displayed, where the user is eligible for investment. The following is an example of receiving reference material regarding investment trends.

@ Investment eligibility determination result (eligible)

Your investment trend

Pride Containment These types of people believe in a stock investment maxim that "monkey monkeys fall from trees." This proverb is a popular American securities analyst, Thomas Acheson, who is often used by professional investors as they make a mistake. Emphasis is placed on investing in stocks, even in the face of ever-changing securities markets, where even professional investors can't accurately predict the movement of stocks. Keeping in mind their devotional maxims, they argue that at any time pride in stock investment can be a witch who drives a huge disaster rather than big returns. By virtue of humility at all times, we must strive to expel pride and pride from our hearts. A frivolous and overkill show that only the mistakes of the wrong judgment are repeated. In short, no matter how professional an investor is, don't take the stock market too shallowly, and don't act too confidently. If you introduce a foreign topic, "It is the first mountain climber Everhold to climb Mount Everest and conquer the mountains of more than 8,000 meters above sea level in many parts of the world. He climbed a meter-high wall, where he had surgery because his right foot bone was broken when he stepped on it.

Competency-intensive These types of people advocate the stock investment aphorism: "Gather all competencies and challenge for happiness and future." Some say that it is the stock market where the god of wealth inflates its wishes several times or tens of times. There was also a phenomenal phenomenon in which patriarchy produced wealth and again it produced greater wealth. Even if a huge golden market opens up, no one regards it as a return, but there are many people who have vases because their dress is overturned by others. Many dogs can't escape the foolish act of regretting and lamenting their past failures. Therefore, they have to build a new investment strategy that will never fail based on the valuable experience and the experience gained from the failure, and to exert all kinds of competences with new minds to face the bold challenge. It is necessary to continue the solemn moment of vowing to reign as the king of the new securities market with thorough preparation and analysis in advance. In order to do so, it is necessary to freely extract all the capabilities, including the preparation of ample and generous funds, the use of scientific and breakthrough hidden techniques, accurate predictions based on abundant investment experience, the freshness of the ever-purifying trading patterns, and the maintenance of strong physical strength and mental strength. . First of all, you have to trust and bravely push all of these capabilities to get the joy of success. After all, stock investors must always remember, "It is a time of great value and precious to compete against the emergence of a new bout of stocks with all its capabilities."

Buyer oblivion They value the stock investment aphorism "Forget the purchase price." Many investors always consider the purchase price when buying a stock and deciding when to sell it. However, one of the reasons that investors fail in the stock market is the calculation of the stock price. Determining when to sell any stock should be done by analyzing market conditions, share price movements, future prospects, and incorporation of the stock's intrinsic value. Otherwise, if you try to sell profits or losses based on the cost of buying stocks, you will see many unexpected failures. Of course, you won't want to sell your stock after you lose it. It's because you haven't invested in profits or invested in losses. However, if you think you don't want to lose money based on the cost of buying, you'll miss the flow of stock quotes that you need to know the most. In addition, the failure of the stock price analysis breaks down. You should always drill through the flow of stock quotes to determine when to sell. In addition, they will forget about the price of the mountain, and only the prospect of whether the stock price will rise or fall in the future will be able to prevent major damage.

In addition, the agent system 20 collects the latest securities information by searching the site that the agent provides the securities related information, so that users can not only objectively check their investment eligibility and investment trend, but also obtain the information necessary for securities investment in real time. To be provided.

By combining the attributes obtained from the user's personal information as described above, the questionnaire type stored in the knowledge base unit 15 is selected, and the result is displayed as a percentage score, so that the user's investment eligibility is objective and scientific. It is a useful invention that can be analyzed in such a way, that eligible investors can provide reference data on investment trends to prevent huge losses due to reckless investments and to establish a sound securities investment culture.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited to the drawings.

Based on the Internet, users who want to invest in securities can analyze the eligibility of the securities investment in an objective and scientific way to provide the results in real time, and provide the securities investor with reference data on their investment trends. You can help guide successful securities investments, reduce financial losses by avoiding huge losses from reckless and reckless investments, and verify your eligibility for investments yourself. By improving their investment quality, they are encouraged to invest in securities that match their investment trends, thereby establishing a sound investment culture.

Claims (8)

In the securities investment determination method of the individual based on the Internet, A first step in which a user of a client unit is granted a member right through a member authentication unit of a web server unit providing a service according to the present invention through a web browser; A second step of classifying, by a classification module unit, personal information of the user to whom the member right is granted, and classifies the user into a certain type; A third step in which the eligibility determination module searches the knowledge base section for presenting a questionnaire for determining whether an individual is eligible for an investment classified as the type classified in the classification module unit and presents the step by step to the user so that the user can answer the questionnaire; ; And a fourth step of determining whether the user is eligible for investment in securities on the basis of the result derived in step 3. The method of claim 1, Determining the eligibility of a securities investment by an Internet-based individual, which further includes a method of allowing an agent to search the site providing the securities information and collect the latest securities related information, thereby providing the user with the information in real time. Way The method of claim 1, In the first step, the securities investment of the individual based on the Internet, characterized in that the quality of the service provided by dividing the classification into gold members and general members in order to grant the user rights to the user is classified. Eligibility determination method The method of claim 1, The second step may include a step 2-1 of searching for a database unit storing personal information of a member in the classification module unit and classifying by gender firstly; Step 2-2 to secondary classify by age; Second to third stages classified by marital status; Fourthly, it consists of the 2nd to 4th stages classified according to the experience of securities investment, and classified into 24 types by combining the attributes of the individuals classified in the above stages, and give a unique code to each type. Internet-based individual securities investment determination method characterized in that the link to the knowledge base unit The method of claim 1, Step 3-1 includes the step 3-1 of the eligibility determination module to release a user's tension on the questionnaire and answer a predetermined problem in order to derive an accurate investment eligibility result; Step 3-2 of extracting from the knowledge base part a problem of checking an attribute that may influence the investment of the individual, which is a questionnaire specified in the classification module part, from the knowledge base part; An Internet-based individual securities investment eligibility method comprising steps 3 to 3 that allow the user to respond to a special formula for checking the numeracy ability of the user who has a great influence on the securities investment. The method of claim 1, In the fourth step, in calculating each item answered by the user with respect to the questionnaire provided by the eligibility determination module unit, the steps 3-2 and 3-3 are percentaged by a predetermined ratio. The result is derived, but the weight is calculated by giving a greater weight to the step 3-2, and based on a certain score to determine whether the user is eligible for investment in securities, Internet-based individual Of securities investment eligibility The method according to claim 1 or 6, If the score derived from the eligibility determination module is greater than or equal to a certain score and receives an investment eligibility determination, it is classified by a certain score corresponding to the eligibility determination target, and reference materials that can serve as guides when investing in securities corresponding to the score range are provided. A method for determining the securities investment eligibility of an individual based on the Internet, which is provided to a user in association with a knowledge base that is classified and stored. In constructing a securities investment eligibility determination system based on the Internet, A member authentication unit in which a user of a client unit is granted member authority to receive a service according to the present invention through a web browser; A classification module unit which classifies the personal identification information input by the member authentication unit into a certain type; An eligibility determination module unit for presenting a questionnaire corresponding to the user step by step in conjunction with a questionnaire for determining whether the user is eligible for investment, and calculating a score for the answered questionnaire; A system for identifying securities investments for individuals based on the Internet, characterized in that the agent unit is configured with an agent system unit that searches for a site providing various securities related information and provides the user with the latest securities information in real time.