KR20200104015A - Commodity Recommending Method of Wealth Management Service System - Google Patents

Abstract

The present invention relates to a product recommending method of an asset management service system. For the product recommending method in an asset management service system including a plurality of personal terminals connected through a wired/wireless communication network, a plurality of wealth manager terminals, an asset management service server including an asset management service program, a DB server and a database, the asset management service server includes a communication module and a control unit, and the asset management service program includes: a member management module which manages individuals and professionals such as wells managers as members; a contract management module which manages contracts between the individuals and the wells managers; an expert management module which registers and manages wells managers providing reports while performing services with customers; a product management module which manages products for each field, such as real estate, funds, bonds, and stocks; an education management module which manages educations of the experts; a settlement management module which manages expenses settlement processing of the members; a financial product recommendation management module which manages a process of recommending financial products recommended by the operator; a model portfolio comparison and analysis module which compares the features between model portfolios and recommended financial products; a customer propensity/personality index analysis module which analyzes customer′s personality index; and an asset composition analysis module which analyzes the assets of the member customers, wherein products suitable for the asset size of a specific member is recommended, and information on the recommended products is stored and managed as customer assets.

Description

Product recommendation method of the asset management service system {Commodity Recommending Method of Wealth Management Service System}

The present invention relates to a product recommendation method of an asset management service system, and more specifically, to customers who want asset management, recommend products for each field such as banks, securities, insurance, etc., and various asset products tailored to the customer. It relates to a product recommendation method of a new type of asset management service system that can improve customer satisfaction.

Personal assets are owned in various forms, from assets with high liquidity to fixed assets that cannot be quantified in real time.

The advanced information and communication technology enabled the management and evaluation of individual assets and real-time trading of current assets, while simultaneously increasing the liquidity of personal assets. Online transactions such as real-time payment of expenses for expenses and income in the purchase or sale of goods or products, such as transfer or settlement, have been more active than offline.

In the financial sector, based on advanced information and communication technology, real-time transactions such as all financial and reverse financing, as well as simple movement and investment of funds, are possible without time/place restrictions, and provide various electronic money and new electronic financial services. In addition, the direction is not limited to simple transfer of funds, loan/receiving, and investment, but to include all fields related to finance.

More specialized personal financial planning, investment analysis, personal asset portfolio, insurance design, financial services, etc. have been transformed into a form that provides services for the propensity and direction of individual assets based on these information and communication technologies.

Therefore, all institutions that provide services by supervising the evaluation or design of individual assets, or service providers in the field, are able to meet the demanding needs of managing distributed individual assets as integrated and systematically as possible. In order to provide services, we operate data centers connected to related organizations and networks internally and externally to enable data tracking such as real-time transactions, inquiries, and change details, and provide online services by establishing various interface technologies required for authentication. Various management and information provision methods are proposed based on web application server technology, client server technology for financial business processing, Internet application, web integration server technology, and financial network interface technologies.

The types of services provided by financial institutions or service providers in relation to personal asset management and management are limited to the following, but in common, the level of management and information provision is at the level of waver provision for each field.

*Providing market price and index information in the financial portal site type, financial technology using personal liquid assets (cash), especially in the securities sector.

*Finance/economic portal site type, finance, stocks, insurance, real estate, distribution, economy, etc.

*Providing information by sector such as type of financial asset portal site, securities, finance, insurance, real estate, distribution, and personal assets by individual sector.

* Financial community type, financial information, financial CSM, financial consulting, etc.

Since assets are like the value and possibility of owning tangible and intangible things or doing a lot of things in the present and in the future, asset accumulation is not the goal, but the efforts to accumulate assets and the promotion of wealth continue constantly. Not only asset accumulation but also the need for systematic management increases with the increase in asset size. In other words, in the process of asset distribution, the type of asset increases, and accordingly, there is a need for an easier and more convenient way to manage the distributed assets.

Assets can be classified into liquid financial assets (real estate) such as cash or deposits and non-financial (real estate) assets. Among these, the management of non-financial assets is relatively simple. The reason is that the change in value does not occur in real time, and it is also revealed in the form of trading. Most individuals who are not real estate experts only engage in real estate transactions a few times during their lifetime. However, the management of financial assets is not as simple as non-financial assets. This is because the size and market value of assets fluctuate in real time. For investment assets, risk management is more important. The form of constructing a portfolio for risk management of assets has become a well-known risk management method. Financial institutions that can deposit financial assets are specialized in banks, safes, cooperatives, securities companies, investment trust companies, and insurance companies. Asset management also considers asset distribution and investment in consideration of this expertise.

Here, changes in cash deposit/withdrawal, interest rates on investment, and stock values cause real-time changes in asset values. Therefore, it is difficult to accurately and quickly grasp the present value of liquid assets scattered across multiple institutions, and managing fluctuating assets also requires more specialized management.

As described above, the conventional asset management service is a one-sided asset management service, and it is difficult to recommend an appropriate asset management product that meets individual customer needs. Therefore, there is a need for a process of recommending an appropriate asset management product that fits each individual's current assets and preferences.

[Prior technical literature]

Korean Patent Publication No. 2000-0072653 (published on December 5, 2000) (Name of invention: Personal asset management service system and its method)

An object of the present invention was proposed in consideration of the above-described circumstances, and for customers who wish to receive a recommendation for asset-related products, it is necessary to judge the asset management products for each field such as banks, securities, insurance, etc. It is to provide a product recommendation method of a new type of asset management service system that can increase customer satisfaction and increase customer asset profits by recommending.

According to a preferred embodiment of the present invention for achieving the above object, an asset management service server including a plurality of personal terminals connected through a wired/wireless communication network, a plurality of Wealth Manager terminals), and an asset management service program And, in the asset management service system comprising a DB server and a database, the asset management service server includes a communication module, a control unit,

The asset management service program includes a member management module in which individuals and wells managers manage experts as members, a contract management module that manages contracts between individuals and wells managers, and wells managers who provide reports while providing services with customers. Professional management module that registers and manages, product management module that manages products such as real estate, funds, bonds, stocks, etc. for products by field, education management module that manages the training of experts, and settlement management that manages the cost settlement of members Module, a financial product recommendation management module that manages the process of recommending financial products recommended by the operator, a model portfolio comparison analysis module that compares the characteristics of the model portfolio and the recommended financial products, and a customer orientation/personality index analysis that analyzes the personality index of customers An asset management service system characterized by recommending products suitable for a specific member's asset size, including a module and an asset composition analysis module that analyzes member customers' assets, and storing and managing information on the recommended products as customer assets. A product recommendation system is provided.

According to another aspect of the present invention, the step of determining whether there is a preferred product for which asset management is desired from a logged-in member who has applied for an asset management service,

If there is a preferred product, displaying a list of recommended products based on the preferred product condition,

If there is no preferred product, analyzing member information and displaying a list of recommended products,

When the logged-in member selects one product from the recommended product list, the product database is stored and managed.

In the case of requesting another recommended product without selecting from the recommended product list, the member information is analyzed through the DB server and the recommended product list is displayed again, but the other recommended product list that is not duplicated with the initially displayed product is displayed. A product recommendation method using an asset management service system is provided.

As described above, according to the product recommendation method of the asset management service system according to the present invention, appropriate asset management by judging asset management products for each field such as banks, securities, insurance, etc. for customers who want to receive asset-related products from the customer's point of view. By recommending products, you can increase customer satisfaction and increase customer asset returns.

1 is a conceptual diagram illustrating a method of recommending and matching a wells manager in an asset management service system according to the present invention.
2 is a block diagram showing in detail the asset management system server of FIG.
3 is a flowchart illustrating a method of recommending and matching a wells manager in the asset management service system according to the present invention.
4 is a flowchart illustrating a product recommendation process of the asset management service system according to the present invention.
5 is a diagram showing an example of a personal initial screen in the user-only application (APP) screen of the asset management service system according to the present invention.
6 is a view showing an example of a financial product guide screen in the user-only application (APP) screen of the asset management service system according to the present invention.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and described in detail.

However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof, does not preclude in advance.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in this application. Does not.

Hereinafter, preferred embodiments of the present invention will be described in more detail with reference to the accompanying drawings. In describing the present invention, in order to facilitate an overall understanding, the same reference numerals are used for the same elements in the drawings, and duplicate descriptions for the same elements are omitted.

1 is a conceptual diagram illustrating a method for recommending and matching a wells manager in an asset management service system according to the present invention, and FIG. 2 is a block diagram illustrating a system server of FIG. 1 in detail, and FIG. 3 is an asset according to the present invention. It is an operation flowchart explaining a method of recommending and matching a wells manager in a management service system.

Referring to FIG. 1, the asset management service system according to the present invention includes a plurality of personal terminals 10-1, ..., 10-N connected through a wired and wireless communication network, and a plurality of experts (referred to as Wealth Managers). ) Asset management service server including terminals 40-1,...,40-N, a plurality of expert terminals 50-1,...,50-N, and an asset management service program 210 (20), and DB server 30 and databases 32-1, ..., 32-N.

2, the asset management service server 20 includes a communication module 240, a control unit 220, and a DB server 30, and the asset management service program 210 is a member management module 2112, Registered contract management module (2113) that manages contract details, Wealth Manager (WM) and experts in various fields (eg, lawyer, patent attorney, tax accountant, appraiser, labor accountant, investment expert, certified public accountant, etc.) Expert management module 2114 that manages, product management module 2115 that manages products such as real estate, funds, bonds, stocks, etc. for products by field, education management module 2116 that manages training of experts, A settlement management module (2117) that manages cost settlement processing, a financial product recommendation management module (2118) that manages the process of recommending financial products recommended by the operator, and a model portfolio comparison and analysis module that compares characteristics between the model portfolio and the recommended financial products. (2214), a customer propensity/personality index analysis module 2212 that analyzes a customer's personality index, and an asset composition analysis module 2210 that analyzes the assets of member customers.

Referring to FIG. 3, as an operation flowchart illustrating a method of recommending and matching a Wells Manager, when a user logs in (S2), it is determined whether to apply for an asset management service (S4), and if the login fails, a member registration step (S22) is performed. And, the member information entered at the time of membership registration is stored and managed in the DB (S24).

After step S4, the online contract writing and signing step (S16) is performed, and the data is stored and managed in the DB (S10).

Thereafter, it is determined whether there is a preferred manager condition from the logged-in individual (S12), and if there is a preferred manager condition, a list of recommended asset management managers is transmitted based on the preferred condition matching the condition (S14). The sending method can be provided by email or push message (text message or video message) of the individual. Of course, although not shown, the individual who has downloaded the dedicated application related to the present invention can operate the dedicated app and click on the message transmitted from the service server on his own page to check.

On the other hand, if the preference manager condition is not input in step S12, the member information is analyzed and a list of recommended wells (asset management) managers is transmitted (S13).

A logged-in member can select a manager from the list of recommended asset management managers (referred to as Wealth Managers). If a specific manager is selected, information is provided to connect with the manager, a guide message is sent, and a message is also sent to the manager. It becomes (S18).

The member logged in in step S16 may request another manager other than the recommended manager list. In this case, the member information is analyzed and a list of recommended managers is transmitted, but a list of other managers that does not overlap with the first list is transmitted.

Meanwhile, in the present invention, an expert in a specific field may register as a wells manager and receive recommendations from customers thereafter. Applicable persons can obtain the Wells Manager qualification by submitting and registering their profile such as proof of experience, status of qualifications, financial accident status, etc. at the time of membership registration, and if they are not eligible or want to update additional careers, the present invention provides Whether or not they have completed the internal basic training or additional training, they can be reviewed for additional registration, or they can update their career as wells manager so that they can be provided to customers. In accordance with the present invention, it is possible to expose to a list of recommendations as wells managers when certain internal requirements are achieved. For example, report adequacy evaluation, counseling ability evaluation, sincerity evaluation for answers to customer inquiries, goal achievement evaluation, and contract performance evaluation may be provided.

Meanwhile, the member may separately input and provide information on his or her real estate or movable property, such as a car, when registering as a member, and agree to collect the information in the asset management service program according to the present invention.

In the asset management service program, if the member is a paid member, it is possible to perform the process of requesting to write and sign an online contract and to confirm the contract details through a wire call and/or a messenger. In addition, when an asset management report is provided to a member, the report of the corresponding author is controlled to be exposed to the customer after confirmation (confirmation) by a senior asset management expert (referred to as FP). The asset management report is secured and delivered to the customer. The asset management report can check data on the member customer's goal setting (target revenue, LOSS CUT) and provide a report accordingly. Member customers can see the current status of their assets in real time or through a dedicated application.

Member clients will be able to receive regular meetings and reports from the Wells Manager if they have been recommended and selected by the Wealth Management Services Program. In the present invention, it is of course impossible to search for a wells manager by the name of a customer, and when a customer wants to receive consultation through a wells manager, an expert in other fields other than the set wells manager, immediately transmit a consultation request signal to the wells manager or apply for a consultation reservation. If you do, you may receive a response later.

It is of course possible that the asset management service program of the present invention can regularly recommend not only wells managers but also suitable products to member customers.

Referring to FIG. 4, in the asset management service system according to the present invention, it is determined whether there is a preferred product that a logged-in member wants to manage assets (S32), and if there is a preferred product, it is recommended based on the preferred product condition. A list of products is displayed (S34). If there is no preferred product, member information is analyzed and a list of recommended products is displayed (S33).

After the step S34, when the logged-in member selects one product from the recommended product list (S36), the product database is stored and managed (S38). On the other hand, although not shown, in the case of requesting another recommended product without selecting from the recommended product list in step S36, the signal is processed to step S33, and the member information is analyzed and the recommended product list is displayed again. Another recommended product list that is not duplicated with the product is displayed.

In the meantime, each financial institution such as bank, securities, insurance, etc. has responded at random to customers under the name of Private Banker, Financial Consultant, Financial Planner, and Wealth Manager. Promoted by financial institutions In many cases, specific products are sold, and customer management is centered on the provider, so the service cannot be provided from the customer's point of view, but according to the present invention, objective evaluation of asset managers with expertise and ethics as well as objectivity from the customer's point of view One feature is that it enables the efficiency of asset management by viewing the data using the tool and selecting it directly.

The content of the service system platform configuration and the asset management expert evaluation model according to the present invention allows a service user (customer) to directly check the asset management expert's profile and quantitative/qualitative evaluation score to select a preferred asset management service expert. I can.

In addition, the type of profile classification of the service provider asset management expert can be marked with strength by field. Portfolio: Investment portfolio management, insurance: life insurance / non-life insurance analysis and asset protection management, real estate: real estate consulting, tax: transfer/gift, etc. Property tax tax consulting The intensity of each specialized field is displayed.

Initially, the asset management manager, that is, the Wells Manager, registered with a self-report system to indicate the strength of each field, and adjusted it with feedback from customers later.

Quantitative data analysis is possible for the evaluation score and type analysis method, that is, it can be evaluated by the number of managed customers/managed customer assets/asset increase per customer/average goal achievement rate, and schedule/expiration management/activity as a customer management activity. It can be evaluated through input data such as the number of times, and other high-level asset management managers can give the customer an Activity Analysis Scoring score. However, the present invention is not limited thereto, and the higher-level asset management manager may be a manager who has much more experience in the same field and may be a preset manager.

Explains wealth management, that is, Wealth Manager (WM) and financial product recommendations.

WM Recommendation is a Wealth Manager (WM) who recommends a Wealth Manager (WM) to be recommended to a user in the asset management service system by analyzing the user's propensity through the recommendation system, and then recommending another user who has a similar tendency to the user within a clustered set. Can recommend. However, this is only an example and other methods may be possible.

Regarding financial product recommendation, a financial product-based collaborative filtering is used to recommend a financial product to the Wells Manager (WM) user to recommend to the Wells Manager (WM) user. In the present invention, an asset management expert and a wells manager were mixed and used.

Wells Manager (WM) Recommendation

We recommend the Wells Manager (WM) to users who want to be recommended. The Wells Manager (WM) is evaluated while receiving service according to the above evaluation items.It predicts the utility that the user has for the Wells Manager (WM) and recommends the Wells Manager with high utility. To do this, use the utility that other users c _j ∈ C, similar to other users c, of all users C, has for the Wells Manager (WM) w.

That is, after finding the set C of similar users, the evaluation r _c,w of user c to w of the Wells Manager (WM) is predicted by collecting information evaluated by the users of C.

After calculating r _c,w for the set of available financial instruments P, N wells managers (WMs) are recommended among the wells managers (WMs) with the highest predicted value.

In the present invention, users are clustered and applied through gender, region, income (income stability), occupation (asset size information, age, family composition (married, single), etc.) to improve the performance of recommending Wells Manager (WM). Let it. Pearson's correlation coefficient and cosine similarity are mainly used to measure the similarity with the user.

In Equation 1 and 2, it is determined that p is equal to w. (Reference on formulas, Ewha Womans University 2917 master's thesis Seung-young Lim, citation on p9, book recommendation information system using social tagging information).

Explain about financial product recommendations. In financial product recommendation, the above Pearson correlation coefficient equation and cosine similarity equation are used.

The financial product-based collaborative filtering is a system that measures the similarity between financial products and recommends financial products with high similarity to the financial products preferred by users.

To find the degree of similarity between the two financial instruments, the evaluation score of the user who evaluated both financial instruments is used.

In order to recommend the Wells Manager (WM) to find the similarity between financial products p and p', cosine similarity and Pearson correlation coefficient can be used, such as user-based collaborative filtering.

Here, ??Cp,p' is the set of all users who have evaluated both financial instruments p and p'.

In the present invention, in order to correct that the evaluation scales between users differ when calculating the cosine similarity, the cosine similarity corrected by the average of the evaluation scores of each user is used.

After finding the similarity between these products, the user's evaluation information to be recommended is used to obtain a predicted evaluation value for a product that the user has not yet used. The predicted value uses the weighted sum of the similarity and evaluation values for the products that the user has already evaluated.

The weighted sum for predicting the evaluation of the new product p′ for user c is obtained as follows (see Item-based collarobrative filtering Recommendation Algorithms, 2017 cited in the above paper).

Here, P represents the set of all products evaluated by user C (see the above cited paper).

A detailed description of the formula is already well explained in the above papers, so a detailed description will be omitted.

Qualitative Data Analysis

After customer consultation, input feedback from customers (received as a rating score (10 points) and text).

Reward and penalty according to asset management expert evaluation

The higher the customer feedback score and the quantitative score, the more incentive distribution rate in addition to the basic distribution rate for the asset management fee is applied to make the quantitative goal of achieving the goal of asset growth in addition to the qualitative satisfaction from the customer and the goal of the asset management expert. It operates in a virtuous cycle structure that can win-win each other.

Explain the additional compensation items.

Place it at the top of the photo exposure position on the app screen.

Add an additional discount on app entry fees.

On the contrary, if the quantitative/qualitative score from the customer is low, a certain negative incentive rate is applied, and at the same time, the weakness of each field of the asset management expert is presented to induce self-improvement.

Explains the asset manager and asset management collaboration expert matching platform.

Due to the nature of the asset management service, the scope of work is so wide that it is almost impossible for a single asset management expert to handle the details, so it is essential to provide customer service through collaboration with a good partner.

Therefore, following a platform for matching customers and wealth management experts, a matching platform for wealth management experts, which is the concept of Sub, and additional service experts such as tax, real estate, legal, and labor, is also mutually organic for customer satisfaction and work efficiency. It is essential to act as.

Platform Contents Explains the selection and collaboration model between the asset management expert and the additional service expert.

The asset management expert selects the value-added service expert who is judged to best handle the customer's request in consideration of the value-added service expert's profile and the quantitative/qualitative evaluation score (Reputation Score).

Describes the type of profile classification of the asset management expert providing additional services-the intensity of each field.

Taxation is subdivided into tax divisions such as inheritance/gift, transfer, etc., bookkeeping, and corporate tax.

Real estate is subdivided into brokerage, consulting, development, and management.

Legal affairs are subdivided into civil and family law.

Labor is subdivided into self-employed and general corporations.

Initially, the intensity of each field is indicated by the self-report system, and it is adjusted with feedback from the customer later.

Describes the evaluation score of additional service experts and the type analysis method.

Quantitative data analysis identifies the number of compliments and complaints received from customers.

The AI (artificial intelligence) device gives a score for the customer's Activity Analysis Scoring.

Performance Data Analysis Explains the use of integrated feedback scores from customers and asset management experts.

Enter the service satisfaction feedback score from the asset management expert. (Grade score (10 points) and text input).

After customer consultation, input feedback from the customer (received as a rating score (10 points) and text).

Describes customer notification about collaborative activities between asset management experts and value-added service experts.

When the asset management expert selects the value-added service expert, the asset management expert should be able to recognize the contents of their customer activities (requires checking the activity log).

Reward and Penalty according to the evaluation of additional service experts

The higher the quantitative/qualitative evaluation for each field, the more income can be created by arranging screens and assigning ratings such as stars so that asset management experts can choose more.

On the contrary, if the quantitative/qualitative score from the customer is low, the opportunity to improve further after checking the improvement is provided.

5 is a diagram showing an example of a personal initial screen in the user-only application (APP) screen of the asset management service system according to the present invention.

Referring to FIG. 5, a customer can select and use a required function on the initial screen.

6 is a view showing an example of a financial product guide screen in the user-only application (APP) screen of the asset management service system according to the present invention.

Referring to FIG. 6, a customer may view recommended financial products listed on the financial product screen, and may request a financial product that fits my disposition by clicking a disposition analysis button. The customer's disposition may be recommended by keywords such as 30s, office workers, married, professional, high income, real estate, and tax. However, the customer's disposition keyword is only exemplary and is not limited thereto.

As described above, an optimal embodiment has been disclosed in the drawings and specifications. Although specific terms have been used herein, these are only used for the purpose of describing the present invention, and are not used to limit the meaning or the scope of the present invention described in the claims. Therefore, those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical scope of the present invention should be determined by the technical spirit of the appended claims.

10-1,..,10-N: Personal terminal
20: asset management service (computer) server
30: database server
32-1,...,32-N: database
40-1,...,40-N: Wells Manager Terminal
50-1,..,50-N: expert terminal
210: Asset Management Service Program
220: control unit
240: communication module
2112: member management module
2113: contract management module
2114: expert management module
2115: product management module
2116: education management module
2117: settlement management module
2118: recommendation management module
2214: Model Portfolio Comparison Analysis Module
2212: Customer orientation/personality indicator analysis module
2210: Asset composition analysis module

Claims (2)

In an asset management service system including a plurality of personal terminals connected through a wired/wireless communication network, a plurality of Wealth Manager terminals), an asset management service server including an asset management service program, a DB server and a database, the asset The management service server includes a communication module and a control unit,
The asset management service program includes a member management module in which individuals and wells managers manage experts as members, a contract management module that manages contracts between individuals and wells managers, and wells managers who provide reports while providing services with customers. Professional management module that registers and manages, product management module that manages products such as real estate, funds, bonds, stocks, etc. for products by field, education management module that manages the training of experts, and settlement management that manages the cost settlement of members Module, a financial product recommendation management module that manages the process of recommending financial products recommended by the operator, a model portfolio comparison analysis module that compares the characteristics between the model portfolio and the recommended financial products, and customer orientation/personality index analysis that analyzes the personality index of customers An asset management service system characterized by recommending products suitable for a specific member's asset size, including a module and an asset composition analysis module that analyzes member customers' assets, and storing and managing information about the recommended products as customer assets. Product recommendation system. Determining whether there was a preferred product for asset management from the logged-in member who applied for asset management service,
If there is a preferred product, displaying a list of recommended products based on the preferred product condition,
If there is no preferred product, analyzing member information and displaying a list of recommended products,
When the logged-in member selects one product from the recommended product list, the product database is stored and managed.
In the case of requesting another recommended product without selecting from the recommended product list, the member information is analyzed through the DB server and the recommended product list is displayed again, but the other recommended product list that is not duplicated with the initially displayed product is displayed. A product recommendation method using the asset management service system of paragraph 1.

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