KR20200001189A - A Method and apparatus for providing global asset allocation service - Google Patents

Abstract

According to an embodiment of the present invention, a global asset allocation service providing method of a service providing apparatus comprises the steps of: obtaining user analysis information based on user input information inputted in a user terminal; determining asset setting information corresponding to the user analysis information; generating initial portfolio information by applying the asset setting information to an asset allocation engine based on previously stored model information; providing the initial portfolio information to the user terminal and obtaining user-specific information corresponding to the initial portfolio information from the user terminal; and providing real-time simulation information obtained by using a user-specific asset allocation model determined based on the user-specific information to the user terminal.

Description

A method and apparatus for providing global asset allocation service

The present invention relates to a service providing method and an apparatus thereof. More specifically, the present invention relates to a method and apparatus for providing a global asset allocation service.

Customers who have contracted with financial institutions for financial asset management seek high profits and expect stability. Therefore, financial companies collect and manage investment funds from a number of contractors to guarantee the principal of the contractor's investment funds, and the principal of the investment funds. It offers a variety of products for pursuing profits.

Portfolio selection theory is widely used as a way of efficiently distributing these products. According to the portfolio selection theory, which is one of the strategies for effective asset investment, for asset investment, if the expected return is the same, choose a combination of products of the less risky asset class, and if the risk is the same, the expected return is higher. It is possible to combine products of asset class.

Although this is often done by an individual investor, it is generally advisable to select and receive professional consultation from a branch staff. However, in terms of the time-consuming and difficult reliability of such professional counseling, an automated portfolio creation tool such as RoboAdviser has recently been proposed.

However, current automated portfolio creation tools are only optimized for initial portfolio model decisions for recommendation to customers, and it is very difficult to change portfolio models that have already been determined.

In other words, current portfolio tools such as RoboAdvisor are automatically suggesting the best portfolio model by analyzing the customer's disposition through survey and evaluating and analyzing the customer's tendency, but the initial portfolio model is determined and the customer's account information is When interlocked, only the continuous asset allocation and periodic rebalancing according to the selected model is performed, and there is a problem in that the customer or the investor is not authorized to change or intervene in the model.

Rather, current portfolio tools allow customers to reselect new portfolio models by unlinking, resubscribing, and re-analyzing if they require changes, interventions, or simulations of the model itself. It represents a structural limitation that cannot be processed in real time. In other words, current automation systems, such as RoboAdvisor, provide only a process that cannot change or remodel other portfolio models once a portfolio model has been selected.

As such, the current asset allocation solution system provides only one-sided and expert-led one-way processes, and real-time changes and interventions of individual users such as customers and investors since the initial subscription are blocked.

The present invention has been made to solve the above problems, and by solving the custom model portfolio simulation and real-time re-application according to the user-driven change settings, to solve the unidirectional and non-real-time of the current system described above The purpose of the present invention is to provide a method and apparatus for providing a global asset allocation service that can improve user convenience of customers and investors.

An asset distribution service providing method of a service providing apparatus according to an exemplary embodiment of the present disclosure for solving the above problems may include obtaining user analysis information based on user input information input to a user terminal; Determining asset setting information corresponding to the user analysis information; Generating initial portfolio information by applying the asset setting information to an asset allocation engine based on previously stored model information; Providing the initial portfolio information to the user terminal and acquiring user-specific information corresponding to the initial portfolio information from the user terminal; And providing real-time simulation information to the user terminal using a user-specified asset allocation model determined based on the user-customized information.

In addition, the service providing apparatus according to an embodiment of the present invention for solving the above problems, Asset allocation service providing apparatus, Communication unit for communicating with the user terminal; A user information analyzer configured to obtain user analysis information based on user input information input to the user terminal and received through the communication unit; An item setting information manager which determines asset setting information corresponding to the user analysis information; Applying the asset setting information to an asset allocation engine based on previously stored model information to generate initial portfolio information, provide the initial portfolio information to the user terminal, and customize the user to correspond to the initial portfolio information from the user terminal. Asset allocation engine management unit for obtaining information; A simulation processor configured to process real-time simulation information using a user-specified asset allocation model determined based on the user-customized information; And a control unit providing the real time simulation information processing result to the user terminal.

In addition, the user terminal device according to an embodiment of the present invention for solving the above problems, the communication unit for communicating with the asset distribution service providing apparatus; A user input unit configured to receive user information; And an asset management service unit configured to provide an asset management service based on the user information input and communication with the asset distribution service providing device, wherein the asset distribution service providing device is based on user input information input to a user terminal. Acquire user analysis information, determine asset setting information corresponding to the user analysis information, generate the initial portfolio information by applying the asset setting information to an asset allocation engine based on previously stored model information, and generate the initial portfolio information. Provides to the user terminal, obtains customized information corresponding to the initial portfolio information from the user terminal, and provides the user terminal with real-time simulation information using a user-specified asset allocation model determined based on the user customized information. And said The asset management service unit processes the information provided from the asset distribution service providing apparatus and outputs the processed information through the display interface.

On the other hand, the method according to an embodiment of the present invention for solving the above problems can be implemented as a program for executing the method on a computer and a recording medium on which the program is recorded.

According to an embodiment of the present invention, a user-customized asset allocation model may be determined using a user-customized asset allocation model determined based on the user-customized information, and real-time simulation information corresponding thereto may be provided to the user terminal. According to the simulation information, the model portfolio simulation according to user-driven change setting and real-time reapply processing can be handled, thereby eliminating the unidirectionality and non-real-time of the current system described above, and improving user convenience of customers and investors. have.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating in more detail an apparatus for providing asset allocation service according to an exemplary embodiment of the present invention.
3 is a block diagram illustrating in more detail a user terminal according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a service providing method according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a service providing method according to another exemplary embodiment of the present invention.
6 to 15 are diagrams for describing a service interface output through a user terminal according to an exemplary embodiment of the present invention.

The following merely illustrates the principles of the invention. Therefore, those skilled in the art, although not explicitly described or illustrated herein, can embody the principles of the present invention and invent various devices that fall within the spirit and scope of the present invention. Furthermore, all conditional terms and embodiments listed herein are in principle clearly intended for the purpose of understanding the concept of the invention and are not to be limited to the specifically listed embodiments and states. Should be.

In addition, it is to be understood that all detailed descriptions, including the principles, aspects, and embodiments of the present invention, as well as listing specific embodiments, are intended to include structural and functional equivalents of these matters. In addition, these equivalents should be understood to include not only equivalents now known, but also equivalents to be developed in the future, that is, all devices invented to perform the same function regardless of structure.

Thus, for example, the block diagrams herein should be understood to represent a conceptual view of example circuitry embodying the principles of the invention. Similarly, all flowcharts, state transitions, pseudocodes, and the like are understood to represent various processes performed by a computer or processor, whether or not the computer or processor is substantially illustrated on a computer readable medium and whether the computer or processor is clearly shown. Should be.

In addition, the explicit use of terms presented in terms of processor, control, or similar concept should not be interpreted exclusively as a citation to hardware capable of running software, and without limitation, ROM for storing digital signal processor (DSP) hardware, software. (ROM), RAM, and non-volatile memory are to be understood to implicitly include. Other hardware for the governor may also be included.

The above objects, features, and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

Referring to FIG. 1, the entire system according to an embodiment of the present invention includes a service providing apparatus 100, a user terminal 200, and a financial server 300.

The entire system may be connected to each other through a communication network including a wired and wireless Internet network. In addition, a network for securely connecting each communication may be configured between the service providing apparatus 100, the user terminal 200, and the financial server 300. Each of the service providing apparatus 100, the user terminal 200, and the financial server 300 may include a communication module for accessing the communication network and transmitting and receiving data.

The communication network may include, for example, an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network interworking with a mobile communication network, a protocol such as Transmission Control Protocol (TCP) / IP (Internet Protocol), and User Datagram Protocol (UDP). Computer networks capable of various data communications, including based data communications, may be exemplified.

In addition, the service providing apparatus 100 may process one or more processes for providing an asset allocation service according to an embodiment of the present invention, in response to a request of the user terminal 200. An asset distribution service may be provided to the user terminal 200.

Here, the service providing apparatus 100 may provide an asset allocation solution analysis and an asset allocation processing service according to a request of the user terminal 200. In particular, the apparatus 100 for providing a service according to an embodiment of the present invention enables generation of a customized model according to user intervention, and in response to asset allocation according to a currently applied portfolio, model simulation and real-time according to user-driven change setting. Reapply can be handled and the unidirectional and non real-time capabilities of existing Robo Advisors can be eliminated.

In addition, the service providing apparatus 100 may upload the generated custom asset allocation model to a web site, thereby providing relevant information not only offline but also online, and all customized asset distribution models may be algorithmized and automatically. Automated financial information processing processes to facilitate transaction processing.

To this end, the service providing apparatus 100 according to an embodiment of the present invention obtains user analysis information based on user input information input to a user terminal, and determines asset setting information corresponding to the user analysis information. Applying the asset setting information to an asset allocation engine based on previously stored model information to generate initial portfolio information, provide the initial portfolio information to the user terminal, and customize the user to correspond to the initial portfolio information from the user terminal. Obtaining information and providing the user terminal with real-time simulation information using the user-customized asset allocation model determined based on the user-customized information, it is possible to generate a user-specific asset allocation model, the real-time simulation information for the user terminal ( 200).

In addition, the service providing apparatus 100 may include an asset allocation engine for processing storage and management of one or more asset allocation models, and a database for storing user information, asset setting information, trading registration information, and simulation information. A detailed configuration will be described later with reference to FIG. 2.

In addition, the service providing apparatus 100 may communicate with the financial server 300 to perform financial processing according to an automatic trading service for asset setting information. The financial server 300 may correspond to one or more financial institution servers. For example, a bank server or a securities company server that processes asset transfer or transaction information to an investment target account according to a request of the service providing apparatus 100 may be provided. May be exemplified.

In particular, the apparatus 100 for providing a service according to an exemplary embodiment of the present invention processes the simulation of the user-customized asset allocation model and the transaction information with the financial server 300 according to the application of the user-customized asset allocation model. Can provide marketing services.

Such a simulation and automatic trading service of the service providing apparatus 100 may be executed by a robo advisor for each item processed corresponding to each product item included in the asset distribution model, as the user-customized asset distribution model is determined.

To this end, the service providing apparatus 100 may complexly configure the item-specific robo advisor according to the asset allocation model determination, and the complex configuration process may be automated and processed. Therefore, the apparatus 100 for providing a service according to an embodiment of the present invention may function as a high-level Robo Advisor using a Robo Advisor, which facilitates a change portfolio simulation and reapply process to be described later.

Meanwhile, the user terminal 200 receives user information, transmits and receives data with an asset distribution service providing apparatus, and provides a asset management service based on the user information input and communication with the asset distribution service providing apparatus. It may be a terminal. For example, the user terminal 200 is an electronic device in which a service function according to an embodiment of the present invention can be installed through an application, for example, a smartphone, a notebook, a tablet PC, a kiosk, and the like.

In addition, the user may be a user who receives an asset management service. For example, the user may be a direct investor as a user of the user terminal 200, but various users who receive asset management services through the user terminal 200, such as an architect designing an investment portfolio or an investment counselor, may be illustrated. have.

In addition, the user terminal 200 may process the information provided from the asset distribution service providing apparatus and output the processed information through a display interface, and may include one or more output units (not shown). The output unit may include an interface for providing information to the user. For example, the output may have one or more display interfaces.

2 is a block diagram illustrating in more detail an apparatus for providing asset allocation service according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the service providing apparatus 100 according to an exemplary embodiment of the present invention may include a communication unit 105, an asset allocation engine management unit 120, an item setting information management unit 130, a user information analysis unit 140, and a simulation. It includes a processor 150, a web site manager 160, an automatic trading processor 170, a portfolio re-application processor 190 and a database manager 180.

The communication unit 105 includes one or more communication modules for communicating with the financial server 300 or the user terminal 200 or for communicating with a network in which the financial server 300 or the user terminal 200 is located.

Here, the communication unit 105 is connected in a wireless or wired manner through a local area network (LAN) and the Internet network, connected through a USB (Universal Serial Bus) port, a mobile communication network such as 3G, 4G It is possible to be connected through a short-range wireless communication method such as a form of access through, Near Field Communication (NFC), Radio Frequency Identification (RFID), Wi-Fi, and the like.

In addition, the communication unit 105 may receive user registration information for providing asset management and asset distribution service from the user terminal 200, and the user information analysis unit 140 may receive user information according to the received user registration information. Registration processing, and user management processing corresponding to registered user information can be performed.

In particular, the user information analyzer 140 may provide a user analysis interface for user analysis to the user terminal 200, and obtain user analysis information by analyzing user input information corresponding to the user analysis interface. have.

The item setting information manager 130 may receive asset information from the user terminal 200, and may acquire, store, and manage item setting information corresponding to the user asset information. Here, the item setting information may include financial asset information that the user intends to invest and asset allocation information according to the user's selection, which may be obtained from the user analysis information.

In addition, the asset allocation engine manager 120 may determine the initial portfolio by applying the user analysis information and the item setting information to the asset allocation engine according to the preset asset allocation model information.

For example, the asset allocation engine manager 120 may drive the asset allocation engine by applying the user analysis information and the item setting information to the portfolio determination algorithm according to the preset asset allocation model, and the asset including the initial portfolio. Distribution model information can be output. To this end, the asset allocation engine manager 120 may store and manage one or more asset allocation model engine information driven based on user analysis information.

In addition, asset allocation model information including the initial portfolio may be provided to the user terminal 200. Here, the initial portfolio information may include a portfolio determined by an asset distribution model determined in response to the user analysis information according to the operation of the asset allocation engine manager 120 among one or more standard asset allocation modules known in advance.

For example, the asset allocation model of the initial portfolio information may be determined according to the asset investment propensity according to the user analysis, and may include the asset allocation ratio by asset type according to the asset investment propensity. For example, asset types may include ETFs by category, deposits / liquidity funds, domestic bonds, domestic stocks, foreign stocks, foreign bonds, alternative investment funds, structured bonds, and bancassurance insurance. Asset allocation ratios can be determined. Accordingly, the initial portfolio information may include investment ratio information corresponding to the item for each asset type, and asset allocation model information corresponding thereto may be visualized in a house view and provided to the user terminal 200.

Accordingly, the initial terminal information may be output through the portfolio interface in the user terminal 200. In addition, the user terminal 200 may receive user customization information from the user, and the input customization information may be transmitted to the service providing apparatus 100. For example, the initial portfolio information may be a standardized optimal investment ratio, but the user may request a personalized customized item setting. Therefore, according to an exemplary embodiment of the present disclosure, the user terminal 200 may receive user-specific information for adding or changing a personalized asset for each item, and the user-specific information may be transmitted to the service providing apparatus 100. .

In addition, the asset allocation engine manager 120 may change the initial portfolio model into a user-defined asset distribution model based on the user-customized information, and the changed user-customized asset distribution model information may be transmitted to the simulation processor 150. have.

The simulation processor 150 may first process a model simulation based on initial portfolio information and provide the processed result information to the user terminal 200. Here, the financial information simulated according to the initial portfolio information may include simulation results based on past financial information. Expected rate of return, annual volatility, maximum drop and sharp ratio.

In addition, when the user-customized asset allocation model is determined, the simulation processor 150 may provide real-time simulation processing according to the user-customized asset allocation model, and the simulation result may be provided to the user terminal 200. In this case, the user terminal 200 may compare the simulation result of the initial portfolio model with the simulation result of the user-customized asset allocation model, thereby providing a very easy performance evaluation of the user.

Meanwhile, the user terminal 200 may request a user sale registration corresponding to a user-customized asset allocation model, and the automatic sale processing unit 170 may include user account information and initial asset information according to the user sale registration request. Receive user trading registration information, and execute an automatic trading process based on the customized asset allocation model.

Accordingly, the trading processor 170 may provide the user terminal 200 with current asset allocation portfolio monitoring information according to the automatic trading process. Such monitoring information may be provided in a manner of providing current asset allocation portfolio model information through the portfolio interface of the user terminal 200.

Meanwhile, the portfolio reapply processing unit 190 may receive change setting information corresponding to the current asset allocation portfolio model information from the user terminal 200.

To this end, the user terminal 200 may receive user change setting information through the portfolio interface, the engine manager 120 may generate a change portfolio model based on the change setting information, and the simulation processor 150 may By processing the simulation based on the changed portfolio model, it is possible to provide the user terminal 200 with the real-time simulation result comparison information with the current asset allocation portfolio model. Accordingly, the user terminal 200 may check the comparison of the simulation results and input a real-time portfolio model change request.

The portfolio reapply processing unit 190 may perform the reapplication process of the changed portfolio model corresponding to the current account and the asset of the user sale registration information based on the real-time portfolio model change request.

Here, the portfolio reapply processing unit 190 obtains the current account information and the current asset information corresponding to the previously registered user sale registration information without adding or changing registration of the user sale registration information, and the current account information and the current present information. The automatic change processing of the user sale registration information may be performed to reapply asset information from the current portfolio model to the changed portfolio model.

Accordingly, the automatic trading processor 170 may perform the automatic trading process based on the automatically changed user trading registration information and the changed portfolio model.

Meanwhile, the web site manager 160 may generate and upload one or more user-specific asset allocation models for each user, and provide and operate a web site that can be shared with each other. To this end, the web site manager 160 may register the user-customized asset allocation model by matching the user information and process the web page management so that the registered user-customized asset allocation model can be shared to other second user terminals. Can be.

For example, the web site manager 160 may share one or more recommended user-customized asset allocation model information to the second user terminal according to the user analysis information of the second user terminal. It is easy to set up and change the asset allocation model using the customized asset allocation model information.

On the other hand, the controller 110 controls the overall operation of the above-described components, it may include one or more microprocessor for this.

The database manager 180 may include model information for applying the aforementioned asset allocation engine, item setting information for each user, user analysis information, simulation processing information, web site management information, automatic trading processing information, portfolio reapply processing information, and the like. It handles the storage and management of, and may include one or more storage media for this.

3 is a block diagram illustrating a user terminal in more detail according to an embodiment of the present invention.

Referring to FIG. 3, the user terminal 200 according to an exemplary embodiment of the present invention includes an asset management service unit 210, a communication unit 220, a control unit 230, a user input unit 240, and a memory 250. do.

The communication unit 220 may include one or more modules that enable communication between the user terminal 200 and the service providing apparatus 100 or the network in which the service providing apparatus 100 is located. For example, the communication unit 220 may include a mobile communication module, a wireless internet module, a short range communication module or a wired communication module.

The user input unit 240 may include one or more interface modules for receiving a user input. More specifically, the user input unit 240 is a service providing device 100, user information, user input information for user analysis, user customization information for generating a user-customized asset allocation model, model change request information, automatic trading registration information, etc. Can receive and process a variety of information.

The controller 230 may control the overall operation of the conventional terminal 200, and in particular, may control various asset distribution service operations through the asset management service 210.

The asset management service unit 210 may provide various asset management services through communication with the service providing apparatus 100 under the control of the controller 230.

To this end, asset management service unit 210, the propensity analysis module for outputting the user analysis information according to the user input information, the house view module for outputting the asset setting information in a house view method, the user-customized asset distribution model information Asset allocation module for outputting, Simulation module for outputting the real-time simulation information; And when the automatic sale process based on the user customized asset allocation model is executed by receiving the user sale registration information including the user account information and initial asset information in the asset allocation service providing apparatus, the current asset allocation according to the automatic sale process It may include an automatic trading module for outputting portfolio monitoring information.

Accordingly, the user terminal 200 may be provided with an asset management service processed by the asset management service unit 210 and an asset distribution service provided by the service providing device 100, and the various service information processed may be controlled by the controller. The image may be output through the output unit 230.

In addition, the memory 250 may include one or more storage media for storing a process for controlling the controller 230 and information input and output for the operation of each component.

4 is a flowchart illustrating a service providing method according to an embodiment of the present invention, FIG. 5 is a flowchart illustrating a service providing method according to another embodiment of the present invention, and FIGS. 6 to 15 are views of the present invention. According to an embodiment, the service interface output through a user terminal is illustrated.

Hereinafter, a service providing method according to an exemplary embodiment of the present invention will be described in more detail based on the service interface of FIGS. 6 to 15.

First, referring to FIG. 4, the user information analyzer 140 of the service providing apparatus 100 provides an investment propensity analysis interface to the user terminal 200 (S101).

For example, as shown in FIG. 6, the investment propensity analysis interface includes user's age information, fund information, financial asset information, investment asset information, investment purpose information, investment purpose information, investment period information, annual income information, and future income information. It may include a user interface for inputting at least one of investment experience information, investment knowledge level information, loss response information, may be input through the user terminal 200.

In addition, the investment propensity analysis interface may be provided such that a conversion score according to the input of the user's query response information may be derived, for example, and the user information analyzer 140 may calculate the investment propensity information of the user based on the conversion score. Can be analyzed.

For example, the user information analysis unit 140 according to an embodiment of the present invention may determine the investor propensity as one of an aggressive investment type, an active investment type, a risk neutral type, a stable pursuit type, or a stable type according to a conversion score. .

In addition, the service providing apparatus 100 may generate a safe asset ratio house view to a risk asset corresponding to the analyzed investment tendency, and provide the same to the user terminal 200 (S103). The process of setting the risk asset and the group of commodity asset in the risk asset based on the house view is processed (S105), and the setting of the safe asset item group based on the house view is then processed (S107).

7 to 10 illustrate an item setting interface for receiving item setting information for the dangerous asset group and the safe asset group as described above, and the service providing device 100 according to an embodiment of the present invention is a user. The terminal 200 may provide an item setting house view corresponding to the analyzed user investment tendency, and may provide setting information processing according to the user setting.

To this end, the item setting information management unit 130 may first determine the ratio of safe assets to risky assets as ratio information according to any one of an aggressive investment type, an active investment type, a risk neutral type, a stable pursuit type, or a stable type. For example, the ratio of safe assets to risky assets can be 3: 7 for stable, 4: 6 for stable pursuit, 5: 5 for risk neutral, 6: 4 for aggressive investment, and 7: 3 for aggressive investment. have.

In addition, the item setting information manager 130 may receive the dangerous asset group setting information as illustrated in FIG. 7 through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping in a house view type provided by a securities company, and the selected group according to the user input may be reflected in the risk asset group ratio.

In addition, the item setting information management unit 130 may receive the product asset group setting information in the risk asset group as shown in FIG. 8 through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping a house view type provided by a securities company, and the selected item group according to a user input may be reflected in the ratio of the product asset group in the risk asset. .

The item setting information manager 130 may receive the safe asset group setting information as illustrated in FIG. 9 through the user terminal 200. For example, the user terminal 200 may provide a selectable interface by grouping in a house view type provided by a securities company, and the selected group may be reflected in the ratio of the safe asset group.

Accordingly, the item setting information management unit 130 may provide a setting confirmation interface as shown in FIG. 10, and the selected item setting information may be assigned to the asset allocation engine management unit 120 and the simulation processor 150 according to a user selection. It may be provided as.

Thereafter, the asset allocation engine manager 120 generates the initial portfolio including the optimal investment ratio by applying the setting result information to the asset allocation engine model (S109).

Accordingly, the generated initial portfolio may be provided through the global portfolio interface of the user terminal 200. The service providing apparatus 100 may provide an optimal investment ratio, a custom asset addition function, and past performance simulation information according to the initial portfolio through the global portfolio interface (S111).

For example, as illustrated in FIG. 11, the user terminal 200 according to an embodiment of the present invention may provide initial portfolio information received from the service providing apparatus 100 through a portfolio interface.

In particular, the portfolio interface provided by the user terminal 200 may include asset allocation weight determination method selection information, asset and stock weight information, and historical performance simulation information, and the optimal investment ratio interface 211 corresponding to the portfolio and customer-customized assets Additional interface 213 may be included.

The optimal investment ratio interface 211 may display the distribution information corresponding to the initial portfolio or the customized asset allocation model portfolio according to the customization, and the initial investment ratio according to the user input to the custom asset addition interface 213 of the user. User-specific event setting information corresponding to the portfolio may be delivered to the service providing apparatus 100.

For example, as shown in FIG. 12, an item search interface for determining user-specific item setting information may be provided through the user terminal 200, and the user may determine and input user-specific item setting information. Can be.

For example, the item search interface may be provided in the form of a pop-up window, and the item is held by the user in the item that the user wants to be additionally reflected in the asset allocation model or the user account of the financial server 300 through the item search interface. You can receive the item information.

Accordingly, the asset allocation engine management unit 120 reflects the item information of the user-customized information to generate and update the user-customized asset allocation model portfolio whose ratio is recalculated, and updates the updated model portfolio through the optimal investment ratio interface 211. Can provide.

That is, the service providing device 100 provides a user-customized asset allocation model generation through the asset allocation engine management unit 120 and provides real-time simulation processing through the simulation processing unit 150 (S113), and the result information of the user terminal 200. Can be provided as

For example, as shown in FIG. 11, the service providing apparatus 100 may use the simulation interface 212 of the user terminal 200 to simulate past performance corresponding to the initial portfolio model or simulation of the currently determined model portfolio. Simulation information of the simulation processing unit 150 according to the above, the simulation information may include, for example, annual average expected return, annual variability, maximum drop or saf rate information. In addition, the simulation information may output difference information compared to the previous model, and the user may determine whether to change by comparing the current model and the previous model according to the custom asset addition input.

In addition, the simulation processing unit 150 according to an embodiment of the present invention may receive conditional setting information based on the current asset, process individual simulations, and output the result. For example, the simulation processor 150 may process individual simulations according to inputs of required assets, minimum values, or specific gravity.

In addition, the simulation processor 150 may apply the modified simulation process by applying tuning information, smart beta ETF configuration information, category setting information, and the like corresponding to the standard model according to the user-customized model generated by the asset allocation engine manager 120. Can be performed, and output can be refined.

FIG. 13 illustrates output of the finally determined user-customized asset allocation model portfolio interface through the user terminal 200. In accordance with the automatic order button input of the corresponding interface, transaction registration may be processed.

Accordingly, the service providing apparatus 100 may provide an automatic trading service based on a customized asset distribution model according to the trade registration through the transaction processing unit 170 (S115), and monitor the current asset allocation portfolio according to the automatic trading service. It can be provided (S117).

14 is a diagram illustrating a user's current asset allocation portfolio monitoring interface. When a user-defined asset allocation model is finally determined, the trading processor 170 performs an automated trading process for each item to conform to a preset user-defined asset allocation model. The resulting process information can then be output via the current asset allocation portfolio monitoring interface.

Meanwhile, the apparatus 100 for providing a service according to an embodiment of the present invention may provide a real time model portfolio change and a real time simulation process during such monitoring, which will be described with reference to FIG. 5.

Referring to FIG. 5, the service providing apparatus 100 first outputs a current asset allocation model through the portfolio interface of the user terminal 200 (S201).

The current asset allocation model information may be output in a monitoring form as shown in FIG. 14. However, a user may receive user change setting information input through the monitoring interface. For example, the user may add additional custom assets or additionally input change setting information for excluding specific items.

The service providing apparatus 100 generates a change portfolio according to the user change setting information input in operation S203.

The asset allocation engine manager 120 may change and update the current portfolio model from the user change setting information, thereby generating a changed portfolio model. The generated changed portfolio model information may be provided again through the portfolio interface as shown in FIG. 11.

When the change portfolio is generated, the simulation processor 150 provides a comparison of the real-time simulation results with the previous portfolio model based on the change portfolio (S205).

Accordingly, the user can easily determine whether to change by checking the comparison of the real-time simulation results with the previous portfolio model.

In addition, according to a user change request input to the user terminal 200, the service providing apparatus 100 performs a reapplication process of the change portfolio for the current account and assets (S207), and the transaction processing unit 170 is reapplied. Automatic transaction processing according to the portfolio is performed (S209).

Here, the service providing apparatus 100 may solve the inconvenience and time required by opening a new account and connecting a new model by processing portfolio reapply for the current account and assets without adding additional account information.

That is, the existing asset allocation service requires processing such as opening a new account or adding account information in order to change or reapply the model, causing inconvenience, and thus providing a service according to an exemplary embodiment of the present invention. The device 100 may generate a change portfolio, model simulation, and reapply processing in real time, thereby supporting custom model generation and modification according to user intervention, thereby greatly eliminating existing inconveniences.

15 illustrates a portfolio model sharing interface of the service providing apparatus 100 according to an exemplary embodiment of the present invention.

As shown in FIG. 15, the service providing apparatus 100 may manage a custom asset portfolio according to a user customization through the website manager 160, and the user-specific asset distribution portfolio may be shared through a website. Can be. In addition, the sharp ratio information corresponding to each custom asset distribution portfolio is provided together, so that the user can determine the value of the portfolio.

The shared custom asset distribution portfolio for each user may be provided to the second user terminal. To this end, the service providing apparatus 100 may manage matching user information with the custom asset distribution portfolio through the database manager 180. Can be.

For example, the service providing apparatus 100 may share one or more recommended user-customized asset allocation model information stored in the database manager 180 according to the user analysis information of the second user terminal to the second user terminal. will be.

In addition, as shown in FIG. 15, for example, an asset distribution portfolio for each user may be configured as one product and traded in an online market, which is more effective not only by investors but also by professionals such as designers or consultants. It will be possible to design a custom asset distribution portfolio, leading to market activation.

The method according to the present invention described above may be stored in a computer-readable recording medium that is produced as a program for execution on a computer, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape , Floppy disks, optical data storage, and the like.

The computer readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention belongs.

In addition, although the preferred embodiment of the present invention has been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

Claims (16)

In the asset distribution service providing method of the service providing apparatus,
Obtaining user analysis information based on user input information input to the user terminal;
Determining asset setting information corresponding to the user analysis information;
Generating initial portfolio information by applying the asset setting information to an asset allocation engine based on previously stored model information;
Providing the initial portfolio information to the user terminal and acquiring user-specific information corresponding to the initial portfolio information from the user terminal; And
Providing real-time simulation information to a user terminal using a user-specified asset allocation model determined based on the user-customized information.
How to provide asset allocation services. The method of claim 1,
Executing an automatic trading process based on the customized asset allocation model based on the user trading registration information including user account information and initial asset information; And
Providing current asset allocation portfolio monitoring information according to the automated trading process;
How to provide asset allocation services. The method of claim 2,
Providing the monitoring information,
Providing current asset allocation portfolio model information through a portfolio interface of the user terminal;
How to provide asset allocation services. The method of claim 3,
Receiving change setting information corresponding to the current asset allocation portfolio model information from the user terminal;
Generating a change portfolio model based on the change setting information;
Processing the simulation based on the changed portfolio model to provide real time simulation result comparison information with the current asset allocation portfolio model to the user terminal;
How to provide asset allocation services. The method of claim 4, wherein
Receiving a real time portfolio model change request from the user terminal; And
And based on the real-time portfolio model change request, performing a reapplication process of a change portfolio model corresponding to a current account and asset of the user sale registration information.
How to provide asset allocation services. The method of claim 5,
Performing the reapply process,
Acquiring current account information and current asset information corresponding to the previously registered user sale registration information without adding or changing registration of user sale registration information;
Performing automatic change processing of the user transaction registration information for reapplying the current account information and the current asset information from the current portfolio model to the changed portfolio model; And
Performing an automatic trading process based on the automatically changed user trading registration information and the changed portfolio model;
How to provide asset allocation services. The method of claim 1,
Registering the user-customized asset allocation model by matching the user information; And
Sharing the registered user-customized asset allocation model with a second user terminal;
How to provide asset allocation services. The method of claim 7, wherein
Sharing with the second user terminal,
And sharing one or more recommended user-customized asset allocation model information to the second user terminal according to the user analysis information of the second user terminal.
How to provide asset allocation services. An asset distribution service providing apparatus,
Communication unit for communicating with the user terminal;
A user information analyzer configured to obtain user analysis information based on user input information input to the user terminal and received through the communication unit;
An item setting information manager which determines asset setting information corresponding to the user analysis information;
Applying the asset setting information to an asset allocation engine based on previously stored model information to generate initial portfolio information, provide the initial portfolio information to the user terminal, and customize the user to correspond to the initial portfolio information from the user terminal. Asset allocation engine management unit for obtaining information;
A simulation processor configured to process real-time simulation information using a user-specified asset allocation model determined based on the user-customized information; And
And a control unit for providing the real time simulation information processing result to the user terminal.
Asset Allocation Service Provision Device. The method of claim 9,
And an automatic transaction processing unit for executing an automatic transaction process based on the user-customized asset allocation model based on user transaction registration information including user account information and initial asset information.
The control unit provides current asset allocation portfolio monitoring information according to the automatic trading process.
Asset Allocation Service Provision Device. The method of claim 10,
The communication unit receives change setting information corresponding to the current asset allocation portfolio model information from the user terminal,
The asset allocation engine manager generates a change portfolio model based on the change setting information.
The simulation processing unit processes a simulation based on the changed portfolio model,
The control unit provides the user terminal with a comparison information of the real time simulation result between the changed portfolio model and the current asset allocation portfolio model.
Asset Allocation Service Provision Device. The method of claim 4, wherein
The communication unit receives a real-time portfolio model change request from the user terminal,
Based on the real-time portfolio model change request, comprising a portfolio re-application processing unit for performing a re-application process of a change portfolio model corresponding to the current account and assets of the user sale registration information
Asset Allocation Service Provision Device. The method of claim 12,
The re-application processing unit obtains current account information and current asset information corresponding to the previously registered user sale registration information without adding or changing registration of user sale registration information, and stores the current account information and the current asset information. Perform an automatic change processing of the user registration information for reapplying from the current portfolio model to the changed portfolio model,
The automatic trading processing unit performs the automatic trading process based on the automatically changed user trading registration information and the changed portfolio model.
Asset Allocation Service Provision Device. In the user terminal device,
A communication unit for communicating with an asset distribution service providing apparatus;
A user input unit configured to receive user information; And
An asset management service unit configured to provide an asset management service based on the user information input and communication with the asset distribution service providing device;
The asset distribution service providing apparatus acquires user analysis information, determines asset setting information corresponding to the user analysis information, and stores the asset setting information in advance, based on user input information input to a user terminal. Generates initial portfolio information by applying to the asset allocation engine based on the present invention, provides the initial portfolio information to the user terminal, obtains customized information corresponding to the investment ratio information from the user terminal, Providing the user terminal with real-time simulation information using the user-specified asset allocation model determined on the basis of
The asset management service unit may process information provided from the asset distribution service providing apparatus and output the processed information through a display interface.
User terminal device that provides asset allocation service. The method of claim 14,
The asset management service unit,
A propensity analysis module configured to output the user analysis information according to the user input information;
A house view module for outputting the asset setting information in a house view manner;
An asset allocation module for outputting the user-customized asset allocation model information;
A simulation module for outputting the real time simulation information; And
In the asset distribution service providing apparatus, if the user trading registration information including the user account information and the initial asset information is received and an automatic trading process based on the customized asset distribution model is executed, the current asset allocation portfolio according to the automatic trading process It includes an automatic trading module for outputting monitoring information
User terminal device that provides asset allocation service. The method of claim 15,
The communication unit receives a real-time portfolio model change request from the user input unit, and transmits the request to the asset distribution service providing window.
The asset allocation service providing window performs a reapplication process of a change portfolio model corresponding to a current account and an asset of the user sale registration information based on the real-time portfolio model change request, and performs the automatic trading module of the user terminal. Provided by
User terminal device that provides asset allocation service.

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