KR20210048325A - Providing method for multi-asset portfolio platform and system thereof - Google Patents

Abstract

Disclosed are a platform providing method for a multi-asset portfolio and a system thereof. The platform providing method for a multi-asset portfolio comprises: a step in which a platform providing system for a multi-asset portfolio receives a proposal request of a multi-asset portfolio including a trade condition of each asset and asset information including different types of assets (including different types of financial products having different order conditions) for a customer from a proposal system; a step in which the platform providing system for a multi-asset portfolio transmits information on the proposal-requested multi-asset portfolio to a terminal of the customer; a step in which the platform providing system for a multi-asset portfolio specifies information on a final multi-asset portfolio based on a response from the terminal of the customer; and a step in which the platform providing system for a multi-asset portfolio collectively trades the assets included in the final multi-asset portfolio based on the trade condition of each asset in response to a collective trade request outputted from the terminal of the customer.

Description

[Providing method for multi-asset portfolio platform and system thereof]

The present invention relates to a method and a system for allowing a customer to consult a portfolio as a multi-asset including heterogeneous assets, that is, assets, and to utilize them.

In more detail, it relates to a method and system that provides an advisory platform for multi-asset portfolios, while allowing easy advisory and utilization of batch trading and multiple types of portfolios.

The demand for advisory services related to investment in financial products is increasing.

These advisory services often provide diversified investment strategies by composing a portfolio of financial products rather than recommending buying and selling a single financial product (eg, stocks, bonds, etc.).

Proposers (such as investment advisors, financial firms' asset advisors or managers, or automated robo-advisors, etc.) provide services that provide these portfolios, i.e., model portfolios, to clients to be consulted. In this case, when only one type of asset (hereinafter, asset) exists in the model portfolio, it is possible to collectively trade the assets included in the model portfolio, so there is convenience from the standpoint of a customer or a financial company.

However, not only composing assets of the same type as investment targets for multiple model portfolios (e.g., domestic stock item A, domestic stock item B, domestic stock item C or OTC bond A, OTC bond B, OTC bond C, etc.) , In recent years, there is a growing need to organize assets of entirely different types, that is, heterogeneous assets, into investment targets (e.g., domestic stock A, OTC bond A, fund A, ELS A, etc.) in any one model portfolio.

In this specification, a model portfolio including heterogeneous assets will be defined as a multi-asset portfolio.

In the case of such a multi-asset portfolio, information or conditions required for trading for each asset are diverse, so collective trading cannot be performed. For example, in the case of stocks, the trading (order) conditions that must be specified when trading (eg, the type of stock order, price, etc.) and the trading (order) conditions that must be specified when trading (eg, subscription period, etc.) are different. The trading (order) conditions (e.g., disclosure rates and disclosures, etc.) that must be specified when trading are different from each other.

For this reason, in the case of a multi-asset portfolio, it is not possible to sell all assets in a single transaction, that is, one transaction, and individual transactions must be conducted for each investment target, that is, the number of constituent assets, and it is very important in return on investment. When trading is carried out individually, there is a problem that the immediate or elasticity of asset management is poor, and the results are essentially different even if a trading decision is made at the same time.

On the other hand, from the perspective of the proposer, conventionally, only one type or a plurality of model portfolios are provided to an advisor or manager, and model portfolios are not provided by dividing into a plurality of types according to the purpose. For this reason, it is not able to provide differentiated and customized model portfolios to customers who are already managing investment assets or who need to newly invest in investment assets.

Korean Patent Laid-Open Publication No. 10-2016-0032416 "A system for collective real-time automatic trading of stocks and a method for providing automatic trading using the system"

Therefore, the technical problem to be achieved by the present invention is to provide a method and system that enables collective trading even in a multi-asset portfolio.

In addition, it provides a method and system that enables the use of multiple types of multi-asset portfolios for a higher level of customization according to customers.

The method of providing a platform for a multi-asset portfolio to achieve the above technical task is that the platform providing system for a multi-asset portfolio provides different types of assets for customers from the proposal system-the assets are of different types with different order conditions. Receiving a request for a proposal for a multi-asset portfolio including asset information and trading conditions for each asset, wherein the platform providing system for the multi-asset portfolio is requested to be offered to the customer's terminal. Transmitting information on the asset portfolio, the platform providing system for the multi-asset portfolio specifying information on the final multi-asset portfolio based on a response from the customer's terminal, and a platform for the multi-asset portfolio And a step of collectively selling the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the batch trading request output from the customer's terminal.

Receiving the proposal request for the multi-asset portfolio comprises: a proposal request for the multi-asset portfolio selected from a multi-asset portfolio for each type including a new purchase-type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio It may include the step of receiving.

The receiving of the proposal request for the multi-asset portfolio includes receiving the proposal request further including information on the valid condition of the multi-asset portfolio, and the method for providing a platform for the multi-asset portfolio includes the multi-asset portfolio. The platform providing system for a portfolio may further include determining whether the valid condition is met, and disabling the multi-asset portfolio when it is determined that the valid condition is not met as a result of the determination.

The step of specifying, by the platform providing system for the multi-asset portfolio, information on the final multi-asset portfolio based on the response from the customer's terminal, when receiving a simple approval response of the multi-asset portfolio from the customer's terminal In the step, specifying the multi-asset portfolio as a final multi-asset portfolio, and when receiving a portfolio adjustment request from the Gauguin's terminal, specifying the multi-asset portfolio adjusted to correspond to the portfolio adjustment request as the final multi-asset portfolio. Including, the portfolio adjustment request may include a weight adjustment request of the assets or a request to adjust the trading conditions of the assets.

The step of collectively trading the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the batch trading request output from the customer's terminal is performed by a platform providing system for the multi-asset portfolio. Based on scheduling information determined in a manner-the scheduling information includes information on trading priorities between the types of assets-performing batch trading of the assets to correspond to the scheduling information and the trading conditions It may include.

The scheduling information is information on a priority predetermined by the platform providing system for the multi-asset portfolio for each asset type, or the customer has a priority predetermined by the platform providing system for the multi-asset portfolio for each asset type. It may be characterized in that the information is adjusted by the terminal.

The step of collectively trading the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the batch trading request output from the customer's terminal is further based on the type of the multi-asset portfolio. It may further include determining information.

The assets may be characterized by at least two of ELS, OTC bonds, domestic stocks, funds, bonds subject to redemption, and foreign stocks.

According to another embodiment, a platform providing method for a multi-asset portfolio is provided by a platform providing system for a multi-asset portfolio, providing customer information for a predetermined customer as a proposal system, and the platform providing system for a multi-asset portfolio. Proposal of a multi-asset portfolio including asset information that includes different types of assets generated based on customer information-the assets include different types of financial products with different order conditions-and the trading conditions for each asset Receiving a request, and transmitting information on the multi-asset portfolio received by the platform providing system for the multi-asset portfolio to the customer's terminal, wherein the multi-asset portfolio is based on the customer information. It includes at least one of a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio to be created.

The above method can be implemented by a computer readable computer program installed in a data processing device and stored in a recording medium.

A platform providing system for a multi-asset portfolio for solving the technical problem of the present invention includes a processor and a memory in which a program driven by the processor is stored, and the processor drives the program, Receiving a request for a proposal for a multi-asset portfolio including asset information including different types of assets-the assets have different types of financial products having different order conditions-and the trading conditions for each asset, and the customer's Transmits information on the multi-asset portfolio requested for proposal to the terminal, specifies information on the final multi-asset portfolio based on the response from the customer's terminal, and responds to the batch transaction request output from the customer's terminal The assets included in the final multi-asset portfolio are collectively sold based on the trading conditions for each asset.

The multi-asset portfolio may be selected from a multi-asset portfolio for each type including a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio.

When receiving a simple approval response of the multi-asset portfolio from the customer's terminal by running the program, the processor specifies the multi-asset portfolio as a final multi-asset portfolio, and receives a portfolio adjustment request from the Gauguin's terminal. In this case, the multi-asset portfolio adjusted to correspond to the portfolio adjustment request is specified as the final multi-asset portfolio, and the portfolio adjustment request may include a request for weight adjustment of the assets or a request for adjustment of trading conditions of the assets.

The processor drives the program to correspond to the scheduling information and the trading conditions based on scheduling information determined in a predetermined manner-the scheduling information includes information on trading priorities between the types of assets. It is possible to perform collective sale of the assets.

A platform providing system for a multi-asset portfolio according to another embodiment includes a processor and a memory in which a program driven by the processor is stored, and the processor drives the program to provide customer information for a predetermined customer with a proposal system. Different types of assets that are provided and generated based on the provided customer information-the assets include different types of financial products with different order conditions-including asset information and trading conditions for each asset Receives a request for proposal of a multi-asset portfolio, transmits the received information on the multi-asset portfolio to the customer's terminal, and the multi-asset portfolio is a new purchase type multi-asset portfolio created based on the customer information, rebalancing It includes at least one of a tangible multi-asset portfolio or an accrual tangible multi-asset portfolio.

The method for providing a platform for a multi-asset portfolio according to the present invention is effective in increasing the immediate or convenience of asset management and increasing the stability of the trading result because it is possible to perform collective sale of constituent assets even for the multi-asset portfolio. .

In addition, by defining a multi-asset portfolio for each type that is suitable for each customer's situation and providing an advisory service using the multi-asset portfolio for each type, there is an effect of facilitating customized advisory services tailored to the customer's situation.

In addition, it is possible to define the valid conditions of the multi-asset portfolio, thereby preventing the model portfolio from being used in an unintended viewpoint or environment when providing platform services.

A brief description of each drawing is provided in order to more fully understand the drawings cited in the detailed description of the present invention.
1 shows a schematic system configuration for implementing a method for providing a platform for a multi-asset portfolio according to an embodiment of the present invention.
2 is a diagram illustrating a schematic configuration of a platform providing system for a multi-asset portfolio according to an embodiment of the present invention.
3 is a schematic flowchart of a method for providing a platform for a multi-asset portfolio according to an embodiment of the present invention.
4 is a diagram illustrating an example of a multi-asset portfolio according to an embodiment of the present invention.
5 is a view for explaining a trading condition according to an embodiment of the present invention.
6 is a diagram for describing scheduling information according to an embodiment of the present invention.
7 to 12 exemplarily show screen UIs provided to a user according to an embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the implementation of the present invention, reference should be made to the accompanying drawings illustrating preferred embodiments of the present invention and the contents described in the accompanying drawings.

In addition, in the present specification, when one component'transmits' data to another component, the component may directly transmit the data to the other component, or through at least one other component. This means that the data may be transmitted to the other component.

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

Hereinafter, the present invention will be described in detail by describing a preferred embodiment of the present invention with reference to the accompanying drawings. The same reference numerals shown in each drawing indicate the same members.

1 shows a schematic system configuration for implementing a method for providing a platform for a multi-asset portfolio according to an embodiment of the present invention.

Referring to FIG. 1, in order to implement a method for providing a platform for a multi-asset portfolio according to the technical idea of the present invention, a platform providing system for a multi-asset portfolio (hereinafter,'platform providing system', 100) may be provided. The platform providing system 100 may communicate with the proposal system 200 and/or the customer terminal 300 in order to implement a platform providing method for a multi-asset portfolio according to the technical idea of the present invention.

The platform providing system 100 can provide the advisory service proposed by the proposal system 200 to the customer terminal 300, which is the customer's terminal, according to the technical idea of the present invention. It may be a system capable of performing communication with the customer terminal 300. Such an advisory service is usually a service provided by a financial institution (eg, a bank, a securities company, etc.), and the platform providing system 100 may also be a system operated by a financial institution, but is not limited thereto.

The proposal system 200 may be a terminal or a server that is an investment advisor that provides an advisory service to a customer or an asset manager. Depending on the embodiment, a predetermined person in charge of the asset management company may be an operator terminal or a server as the management entity. According to another embodiment, the proposal system 200 may be an automated system (eg, a robo-advisor, etc.) capable of generating a multi-asset portfolio according to the technical idea of the present invention through a predetermined automated algorithm.

Therefore, in the present specification, the term "proposer" may mean not only a natural person who is an operating subject of the proposed system, but also an automated algorithm or system. In addition, receiving a proposal request may mean not only communication between systems implemented independently of each other, but also function calls or internal communication between components implemented to perform different functions in one system.

In any case, in the present specification, the proposal system 200 may mean a system capable of generating a multi-asset portfolio and providing it to the platform providing system 100. The proposed system 200 may be implemented as an independent and physical device, but the software and hardware installed in another system (for example, the platform providing system 100) and implemented to execute the technical idea of the present invention. It can also be implemented by organic combination.

Hereinafter, the present specification illustrates a case in which the proposal system 200 is implemented in the form of a terminal independent from the platform providing system 100, but the scope of the present invention is not limited thereto.

The platform providing system 100 may provide an advisory service by providing information on a multi-asset portfolio including heterogeneous assets to the customer terminal 300 according to the technical idea of the present invention.

Information on such a multi-asset portfolio may be received from the proposal system 200. Therefore, the platform providing system 100 may be a system that provides a platform for providing services to users of the proposal system 200 and users of the customer terminal 300.

The platform providing system 100 may provide a predetermined UI and/or service to the proposal system 200 to upload information on a multi-asset portfolio to be provided to a customer.

In addition, the platform providing system 100 may provide information on the multi-asset portfolio received from the proposal system 200 to the customer terminal 300, and provide a predetermined UI and/or service for utilizing the same. .

At this time, the platform providing system 100 uses a multi-asset portfolio that includes heterogeneous assets at the same time, while collectively trading, that is, from the point of view of the customer or from the point of view of the operator of the platform providing system 100, a single trading act is carried out. Through this, it provides a technical idea that enables automatic trading of constituent assets included in the multi-asset portfolio.

This technical idea can be achieved by including the trading conditions for each constituent asset included in the multi-asset portfolio as a requirement that defines the portfolio, that is, as an essential component of the multi-asset portfolio.

That is, different types of constituent assets (assets) have different trading (order) conditions (information) required for trading according to different trading methods, so conventionally, different types of assets have not been collectively processed. However, according to the technical idea of the present invention, a multi-asset portfolio, that is, as a constituent requirement of a model portfolio to be provided to a customer, is to define the trading conditions for each constituent asset together, By providing a multi-asset portfolio to customers, there is an effect that it becomes possible to collectively sell a multi-asset portfolio including heterogeneous assets.

According to the technical idea of the present invention, as well as the constituent assets (type and/or proportion of assets) of the multi-asset portfolio provided by the proposer, that is, the subject of the proposal system 200, as well as the trading conditions of the constituent assets, If the constituent assets and trading conditions are all acceptable to you, you can adopt a multi-asset portfolio as your investment strategy. Of course, as will be described later, based on the multi-asset portfolio provided from the proposal system 200, the constituent assets and/or trading conditions may be partially adjusted according to the customer's choice, and the partially adjusted multi-asset portfolio is the final multi-asset. As a portfolio, it can ultimately become a customer's investment strategy.

Therefore, conventionally, when a model portfolio is simply consulted with a customer, only constituent assets are consulted, whereas the present invention has the effect of being collectively consulted with constituent assets and trading strategies for each constituent asset. In addition, due to this effect, it is possible to collectively purchase a multi-asset portfolio. This collective sale not only increases the immediateness of investment asset management, but also guarantees a certain level of stability of the trading results.

In the present specification, the types of assets included in the multi-asset portfolio may be ELS, OTC bonds, domestic stocks, funds, bonds subject to redemption, foreign stocks, etc., but are not limited thereto.

On the other hand, the platform providing system 100 defines a plurality of types of multi-asset portfolios in advance in order to effectively provide a proposal that the proposal system 200 can provide, that is, a customized multi-asset portfolio of customers, and requests for proposals by classifying them. You can provide technical ideas that enable you to receive.

That is, the proposal system 200 may receive customer information from the platform providing system 100, and it is necessary to present a customized strategy of the customer based on the received customer information. However, in the past, it was only possible to consult only information on constituent assets irrespective of the current state of the customer, that is, the model portfolio, whereas according to the technical idea of the present invention, the platform providing system 100 is the proposal system 200 The type of advice that can be provided, that is, the type of the multi-asset portfolio, is divided into a plurality of types, and when a proposal to be provided to the customer of the proposal system 200 is received, the type of such proposal may be defined in advance. For example, if a current customer needs to make a new investment, a new purchase type multi-asset portfolio can be provided, and if some investment assets are operated, a rebalancing-type multi-asset portfolio can be provided. Of course, if the customer's disposition pursues stability suitable for accumulated investment, the multi-asset portfolio is provided in advance according to the customer’s investment status or disposition, such as providing a multi-asset portfolio suitable for accumulated investment. By defining the types together, there is an effect that a more specific and customer-customizable advice can be realized from the definition of the portfolio from the perspective of the proposer.

In addition, from the customer's point of view, since the type is defined in the information that is being consulted, there is an effect that it is easy to select a strategy that is suitable for them.

The proposal system 200 may be a terminal used by a proposer, that is, a subject proposing a multi-asset portfolio to be provided to a customer through the platform providing system 100, and an investment advisor or an advisor of the platform providing system 100, etc. It may be a terminal that can be used by various subjects. In addition, although shown as a desktop computer in FIG. 1, a multi-asset portfolio can be defined in order to implement the technical idea of the present invention, and any type of terminal capable of transmitting and receiving necessary information to and from the platform providing system 100 (e.g. , Mobile phones, tablet PCs, set-top boxes, etc.), the average expert in the technical field of the present invention can easily infer that the proposed system 200 can be implemented.

In addition, the customer terminal 300 may also be a terminal of a customer capable of receiving an advisory service provided from the platform providing system 100, and although shown as a mobile phone in FIG. 1, the technical idea of the present invention is implemented. The customer terminal 300 can be used with any type of terminal (e.g., desktop, tablet PC, set-top box, etc.) that can check information on the multi-asset portfolio and transmit/receive necessary information to and from the platform providing system 100 It will be easily inferred by an average expert in the art that this can be implemented.

A specific configuration of the platform providing system 100 for implementing this technical idea may be as shown in FIG. 2.

2 is a diagram illustrating a schematic configuration of a platform providing system for a multi-asset portfolio according to an embodiment of the present invention.

First, referring to FIG. 2, in order to implement a method for providing a platform for a multi-asset portfolio according to the technical idea of the present invention, a platform providing system 100 is provided.

The platform providing system 100 may include a memory 120 in which a program for implementing the technical idea of the present invention is stored, and a processor 110 for executing a program stored in the memory 120.

The average expert in the technical field of the present invention can easily infer that the processor 110 may be named by various names such as CPU and mobile processor according to an implementation example of the platform providing system 100. In addition, as described in FIG. 1, the platform providing system 100 may be implemented by organically combining a plurality of physical devices. In this case, the processor 110 is provided with at least one for each physical device to provide the platform of the present invention. An average expert in the technical field of the present invention can easily infer that the provision system 100 can be implemented.

The memory 120 stores the program, and may be implemented as any type of storage device that the processor can access to drive the program. In addition, according to a hardware implementation example, the memory 120 may be implemented as a plurality of storage devices instead of a single storage device. In addition, the memory 120 may include not only a main memory device but also a temporary memory device. Also, it may be implemented as a volatile memory or a nonvolatile memory, and may be defined as including all types of information storage means implemented so that the program can be stored and driven by the processor.

The platform providing system 100 may be a system operated and executed by a financial institution such as a securities company or a bank according to an embodiment, and may be implemented in various ways such as a web server and a computer, and performs functions defined in this specification. It can be defined as including any type of data processing device capable of.

In addition, various peripheral devices (peripheral devices 1 to N) may be further provided according to an embodiment of the platform providing system 100. For example, an average expert in the technical field of the present invention can easily infer that a keyboard, a monitor, a graphic card, a communication device, etc. may be further included in the platform providing system 100 as peripheral devices.

Of course, the average expert in the technical field of the present invention can easily infer that the proposal system 200 and/or the customer terminal 300 may also have the configuration as shown in FIG. 2.

3 is a schematic flowchart of a method for providing a platform for a multi-asset portfolio according to an embodiment of the present invention.

Referring to FIG. 3, in order to implement a method for providing a platform for a multi-asset portfolio according to the technical idea of the present invention, the platform providing system 100 provides a multi-asset portfolio (MAP, Multi Asset Portfoil) from the proposal system 200. A proposal request including information may be received (S100).

The proposal request may include a multi-asset portfolio for unspecified customers, but according to the technical idea of the present invention, a multi-asset portfolio for a specific customer customized to the asset management situation and propensity of a specific customer may be included in the proposal request. To this end, the proposal request may include information on which customer the proposal is for, that is, information for identifying the customer.

To this end, the platform providing system 100 to the proposal system 200 transmits information on a specific customer (such as customer information for knowing the asset management status, propensity or propensity) to the proposal system 200 in advance ( S80), the subject of the proposal system 200 may generate information on the multi-asset portfolio customized for the specific customer based on the received information on the customer (S90).

As described above, the multi-asset portfolio may be a portfolio in which the type is previously defined as one of a plurality of types set by the platform providing system 100 so that the multi-asset portfolio can be suitably used in advance for the customer's situation. The type of such a multi-asset portfolio may include, for example, a new purchase type, a rebalancing type, and/or an accumulation type, but is not limited thereto.

The new purchase type may be a multi-asset portfolio that can be used when it is judged by the subject of the proposal system 200 that it is a good situation to simply perform a new purchase according to the customer's investment asset management status.

The rebalancing type may be a multi-asset portfolio that can be used when it is determined that it is desirable to replace one or more assets among investment assets currently managed by a customer.

The accumulative type may be a customer or a multi-asset portfolio that can be used in a situation of a customer determined that it is desirable to periodically perform accumulative investment rather than a one-time purchase.

Although only one multi-asset portfolio may be included in the proposal request, information on a plurality of multi-asset portfolios may be included, and when a plurality of multi-asset portfolios are included, the types may be different.

In this way, if the portfolio to be provided to the customer, that is, the type of the multi-asset portfolio itself, is defined in advance according to the customer's investment status or propensity, it is possible to create a portfolio that is more specialized and appropriate to the customer's situation from the creation of the model portfolio.

In addition, from the customer's point of view, by checking only the type of multi-asset portfolio, there is an effect that it is possible to easily select the advice provided much more easily according to their circumstances and tendencies.

An example of a multi-asset portfolio according to the technical idea of the present invention is exemplarily illustrated in FIG. 4.

4 is a diagram illustrating an example of a multi-asset portfolio according to an embodiment of the present invention.

Referring to FIG. 4, FIGS. 4A, 4B, and 4C show information on multi-asset portfolios of a new purchase type, rebalancing type, and accumulation type, respectively.

Each multi-asset portfolio may include information on constituent assets, weight (or accumulated amount), and trading conditions.

For example, the first multi-asset portfolio represents an example of a newly-purchased multi-asset portfolio, and domestic stocks A, OTC bonds B, and foreign stocks C as constituent assets are 20%, 40%, and 40% respectively. This represents a multi-asset portfolio in which the trading conditions for each constituent asset (trading condition 1, trading condition 2, trading condition 3) are defined as constituent information.

For example, the second multi-asset portfolio represents an example of a rebalancing-type multi-asset portfolio, and the asset status of domestic stocks A, OTC bonds B, and foreign stocks C in the proportions of 20%, 40%, and 40% is A, B. Information to rebalance the proportions of 30%, 30%, and 40% with D, and the trading conditions for each constituent asset at this time (trading condition 4, trading condition 5, trading condition 6) are defined as constituent information. Represents an asset portfolio.

Of course, in the case of the rebalancing type, the trading conditions for each constituent asset may include only the trading conditions for the purchase to be purchased, or may include the trading conditions for the sale of existing assets.

For example, the third multi-asset portfolio represents an example of an accumulation type multi-asset portfolio. Fund E and domestic stock F are accumulated on a monthly basis as constituent assets, respectively, and each constituent asset is accumulated by KRW 1 million and KRW 300,000. It represents a multi-asset portfolio in which trading conditions (trading conditions 7, trading conditions 8) are defined as component information.

Meanwhile, according to the technical idea of the present invention, the multi-asset portfolio may further include an effective condition as configuration information of the multi-asset portfolio as shown in FIG. 4.

The above valid conditions may require that the investment strategy be adaptively changed according to the time point or market situation desired by the proposer in the management of the asset. This may be information for solving a problem that can be used indiscriminately to customers even though the corresponding investment strategy, that is, the multi-asset portfolio has become an undesirable investment strategy anymore.

Accordingly, while defining the multi-asset portfolio, the proposer may also define information on valid conditions such as, for example, setting an expiration date for the multi-asset portfolio or applying the multi-asset portfolio only when the market situation is certain.

Then, the platform providing system 100 may monitor the valid conditions of each of the multi-asset portfolios, and if the valid conditions are not met, the corresponding multi-asset portfolio may be disabled.

Disable processing is, for example, a UI function to prevent customers from selecting a multi-asset portfolio that does not satisfy the valid conditions while monitoring the valid conditions for each multi-asset portfolio proposed to a plurality of customers in the platform providing system 100 A method such as disabling or deleting may be used.

Alternatively, when a customer requests a batch sale of a multi-asset portfolio or a sale of each component asset, that is, when the customer actually wants to use the multi-asset portfolio, it is possible to determine whether the valid conditions are met, and to prevent the transaction from taking place.

Disabling processing for the multi-asset portfolio itself in various ways can be performed according to defined valid conditions.

When a multi-asset portfolio for each type is defined, essential component information (eg, information on trading conditions) that must be included in the multi-asset portfolio for each type may be different from each other.

For example, in the case of a new purchase type, information on constituent assets, weight, and trading conditions according to the technical idea of the present invention may be included. In addition, the information on the trading conditions may include information on the order type, price, and order time. Of course, the average expert in the technical field of the present invention can easily infer that the information on the trading conditions may vary depending on the constituent asset, that is, the type of the asset.

In the case of the rebalancing type, assets and alternative assets currently owned by the customer may be included, and information on the trading conditions may include information on the rebalancing rate and rebalancing timing. Of course, depending on the type of asset, information that must be specified for trading may also be included. In addition, a rebalancing order may be included according to an embodiment. Of course, the rebalancing order may be controlled by the platform providing system 100 as described later, and in this case, the rebalancing order may not be included in the configuration information of the multi-asset portfolio.

In the case of the accumulation type, of course, information on the accumulation period and the accumulation amount can be included in the trading conditions.

As a result, the multi-asset portfolio according to the technical idea of the present invention has a characteristic that the type is defined in advance. In addition, as described above, the multi-asset portfolio itself has a characteristic that information on trading conditions for each constituent asset is defined together.

The trading conditions may mean information that must be specified in order to carry out the trading, and the information on the trading conditions may be defined for each constituent asset. Also, as described above, information on trading conditions may vary depending on the type of multi-asset portfolio.

An example of trading conditions according to the technical idea of the present invention is exemplarily illustrated in FIG. 5.

5 is a view for explaining a trading condition according to an embodiment of the present invention.

The trading conditions include information necessary for trading the corresponding constituent assets, and FIG. 5 exemplarily shows the trading conditions of domestic stocks.

As shown in FIG. 5, as for the trading conditions of domestic stocks, the type, price, and timing of orders may be specified. Therefore, for example, as shown in FIG. 4, when information on a multi-asset portfolio is provided to the customer terminal 300, the customer can check information on trading conditions for each component asset as shown in FIG. 5.

In addition, the customer may selectively adjust all or part of the trading conditions for FIG. 5 according to the UI or function provided by the platform providing system 100 as necessary. For example, it may be possible to change the type of order, change the price, change the time of order, or the like.

It goes without saying that the information defined in the trading conditions can include various market environments or indicators in addition to the essential information necessary to execute the order.

In addition, although FIG. 5 illustrates the trading conditions of domestic stocks as an example, an average expert in the technical field of the present invention can easily infer that information to be defined in the trading conditions may vary depending on the type of assets.

As described above, according to the technical idea of the present invention, the proposer uses the platform providing system 100 to create a multi-asset portfolio that includes both the type and the trading strategy when generating the advisory information to be provided to the customer and provide it to the customer. There is an effect that can be.

Then, the platform providing system 100 may receive the proposal request and transmit information on the multi-asset portfolio included in the received proposal request to the customer terminal 300 corresponding to the proposal request (S110).

Then, the platform providing system 100 may specify a final multi-asset portfolio to be applied to the customer based on the response of the customer terminal 300 (S130, S140).

The final multi-asset portfolio may be the multi-asset portfolio itself provided to the customer terminal 300, or at least some of the configuration information included in the multi-asset portfolio is the subject of the customer terminal 300, that is, information partially adjusted by the customer. May be.

For example, the customer terminal 300 may receive a multi-asset portfolio from the platform providing system 100 and simply approve the received multi-asset portfolio (S120). That is, as it is, a signal indicating that it is to be adopted as its own investment strategy may be transmitted to the platform providing system 100. Then, the multi-asset portfolio may be specified as the final multi-asset portfolio.

Alternatively, the customer terminal 300 may receive the multi-asset portfolio and adjust at least some of the configuration information (constituent assets, the proportion of assets, trading conditions, etc.) defining the multi-asset portfolio (S120). .

Adjustment of such configuration information is possible through a predetermined UI provided by the platform providing system 100, and the type and/or degree of configuration information that can be adjusted by the customer may vary according to the design and function control of the UI. Of course you can.

For example, the platform providing system 100 may make it impossible to adjust the constituent assets and allow adjustment only for the proportion. Alternatively, adjustments may be allowed for constituent assets, but only some of the constituent assets included in the multi-asset portfolio may be deleted, and adjustments that add assets not included in the multi-asset portfolio may not be permitted.

In addition, information on trading conditions can be limited by the customer to adjust the order type, price, timing, subscription period, and published interest rate.

For this adjustment, it goes without saying that the customer terminal 300 and the platform providing system 100 may exchange a plurality of pieces of information through a predetermined communication procedure.

When the platform providing system 100 specifies the final multi-asset portfolio, the platform providing system 100 may transmit information on the specified final multi-asset portfolio to the customer to confirm (S150).

As such, when the final confirmation of the customer for the final multi-asset portfolio is completed, it may mean that the final multi-asset portfolio is immediately available to the customer.

And according to the technical idea of the present invention, since the final multi-asset portfolio is individually defined as trading conditions for each constituent asset, the platform providing system 100 when a bulk trading request is received from the customer terminal 300 at a predetermined time. May perform collective trading for the constituent assets included in the multi-asset portfolio so as to correspond to the information on the trading conditions for each constituent asset (S180).

Through this, there is an effect that the customer or the subject of the platform providing system 100 does not have to perform the trading activity for each component asset, and through this, the immediateness of asset management and the stability of the trading result can be significantly increased.

Meanwhile, for more effective collective trading, the platform providing system 100 may need to specify scheduling information (S170). By specifying such scheduling information, more effective trading can be made according to the type of multi-asset portfolio and the type of constituent assets included in the multi-asset portfolio.

The scheduling information may include information on the order of trading.

Scheduling information according to the technical idea of the present invention may be specified based on the type of the multi-asset portfolio and the type of constituent assets. Such scheduling information may be specified according to a rule predefined by the platform providing system 100. In addition, this scheduling information can also be adjusted by the customer.

Depending on the embodiment, the scheduling information may also be defined by the subject of the proposal system 200 at the time of creation of the multi-asset portfolio as configuration information of the multi-asset portfolio.

In any case, the scheduling information may be predefined by the proposer or the platform providing system 100, and such scheduling information may be approved or adjusted as it is by the customer.

An example of such scheduling information is exemplarily shown in FIG. 6.

6 is a diagram for describing scheduling information according to an embodiment of the present invention.

Referring to FIG. 6, the platform providing system 100 may define scheduling information as shown in FIG. 6 in order to perform batch trading.

Although not shown in FIG. 6, the scheduling information may be differently defined for each type of multi-asset portfolio.

For example, in the case of a new purchase type, purchases for each constituent asset can be carried out at the same time. For example, batch buying can be performed by outputting buy orders for each of the constituent assets at once.

In addition, in the case of the accumulation type, the purchase of each constituent asset can be carried out at the same time.

In the case of the rebalancing type, as shown in FIG. 6, a priority trading rule predetermined for each type of component asset, that is, an asset type, may be defined as scheduling information.

Such scheduling information may be set in advance by the proposer or the subject of the platform providing system 100 in consideration of the time required for trading or the immediateness of an order according to the type of asset.

Also, in the case of constituent assets of the same asset type, such as the order of their trading (e.g., in the order of greater weight, then in the order of liquidity, or in the order of the largest market capitalization of the asset to be traded, etc.) The order of trading may be determined.

Such scheduling information is also provided by the platform providing system 100 to the customer terminal 300, and all or part of the provided scheduling information may be adjusted by the customer terminal 300. In addition, scheduling information that is finally specified may be specified by the platform providing system 100, and batch trading for a multi-asset portfolio may be performed according to the specified scheduling information.

The scheduling information may be set for each customer or, if necessary, for each multi-asset portfolio. That is, even with the same customer, different scheduling information may be applied to batch trading according to the multi-asset portfolio.

In the end, according to the technical idea of the present invention, the platform providing system 100 can collectively trade by using predefined trading conditions for each component of a multi-asset portfolio, and trade by component asset using scheduling information as needed. By controlling the priority of the customer or operator, there is an effect that a bundle of assets containing heterogeneous assets, that is, a collective transaction for a multi-asset portfolio, is possible from the viewpoint of a customer or operator.

In addition, adjustments are made to some of the constituent information of the customer's multi-asset portfolio (e.g., the proportion of constituent assets or trading conditions, etc.) You can use it as a strategy. In addition, scheduling information can be adjusted as desired to provide flexibility in trading.

7 to 12 exemplarily show screen UIs provided to a user according to an embodiment of the present invention.

Referring to FIG. 7, the customer terminal 300 may receive a proposal, that is, information on a multi-asset portfolio through a page as shown in FIG. 7.

As shown in FIG. 7, only an overview (type and weight of assets, risk, etc.) of a multi-asset portfolio may be shown on the page, and the multi-asset portfolio may be a new purchase (new application) type.

If the customer is interested in the outline information, the customer can specifically check the multi-asset portfolio, and for this purpose, a predetermined UI (eg, approval button) can be selected.

Then, detailed information of the multi-asset portfolio as shown in FIG. 8 may be shown.

In this step, adjustment of the component asset or the proportion of component assets may be performed through various UIs as illustrated in FIG. 8. In addition, although not shown, a UI for checking information on trading conditions may be provided to the customer, and information on such trading conditions may also be adjusted by the customer.

And, as shown in FIG. 9, a predetermined page for performing a confirmation procedure for final approval of the proposal of the proposer may be provided to the customer terminal 300, and as shown in FIG. Depending on the type of high-risk investment product, such as a product), additional verification or procedures (for example, the customer's own propensity or investment tolerance setting, etc.) can be performed.

Then, as shown in FIG. 11, the final multi-asset portfolio may be specified and provided to the customer terminal 300, and the customer may perform investment instructions for each constituent asset or required procedural requirements.

Then, the customer is in a state in which the multi-asset portfolio can be collectively sold, and the multi-asset portfolio can be collectively sold by selecting a predetermined UI (eg, a collective purchase destination) as shown in FIG. 12.

As described above, such collective trading may be performed to correspond to the trading conditions for each constituent asset, and may be performed to more correspond to scheduling information according to the type of the multi-asset portfolio. In addition, as described above, the adjustment of the scheduling information may also be performed by the customer terminal 300 in a predetermined manner.

The method of providing a platform for a multi-asset portfolio according to an embodiment of the present invention may be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tapes, hard disks, floppy disks, and optical data storage devices. In addition, the computer-readable recording medium is distributed over a computer system connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the technical field to which the present invention belongs.

Although the present invention has been described with reference to an embodiment illustrated in the drawings, this is only exemplary, and those of ordinary skill in the art will understand that various modifications and other equivalent embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical idea of the attached registration claims.

Claims (16)

The platform providing system for a multi-asset portfolio includes different types of assets for customers from the proposal system-the assets include different types of financial products with different order conditions-and asset information and trading conditions for each of the assets Receiving a proposal request for a multi-asset portfolio including a;
Transmitting, by the platform providing system for the multi-asset portfolio, information on the multi-asset portfolio requested for proposal to the terminal of the customer;
Specifying, by the platform providing system for the multi-asset portfolio, information on a final multi-asset portfolio based on a response from the customer's terminal; And
The platform providing system for the multi-asset portfolio comprises the step of collectively selling the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the batch trading request output from the customer's terminal. How to provide a platform for a multi-asset portfolio.
The method of claim 1, wherein receiving a request for proposal of the multi-asset portfolio comprises:
Providing a platform for a multi-asset portfolio that includes receiving a request for a proposal of the multi-asset portfolio selected from among a multi-asset portfolio for each type including a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio Way.
The method of claim 1, wherein receiving a request for proposal of the multi-asset portfolio comprises:
Receiving the proposal request further including information on the valid condition of the multi-asset portfolio,
The method of providing a platform for the multi-asset portfolio,
Determining whether the valid condition is met by the platform providing system for the multi-asset portfolio; And
The method of providing a platform for a multi-asset portfolio further comprising the step of disabling the multi-asset portfolio when it is determined that the valid condition is not met as a result of the determination.
The method of claim 1, wherein the step of specifying, by the platform providing system for the multi-asset portfolio, information on the final multi-asset portfolio based on a response from the customer's terminal,
When a simple approval response of the multi-asset portfolio is received from the customer's terminal, the multi-asset portfolio is specified as a final multi-asset portfolio, and when a portfolio adjustment request is received from the customer's terminal, it corresponds to the portfolio adjustment request. Specifying the multi-asset portfolio adjusted to be the final multi-asset portfolio,
The portfolio adjustment request above is:
A method for providing a platform for a multi-asset portfolio comprising a request for adjustment of the weight of the assets or a request for adjustment of the trading conditions of the assets.
The method of claim 1, wherein in response to a batch transaction request output from the customer's terminal, the step of collectively trading the assets included in the final multi-asset portfolio based on the trading conditions for each asset,
Based on scheduling information determined in a predetermined manner by the platform providing system for the multi-asset portfolio-the scheduling information includes information on trading priorities between the types of assets-and corresponding to the scheduling information and the trading conditions A method of providing a platform for a multi-asset portfolio comprising the step of performing a batch sale for the assets so as to be performed.
The method of claim 5, wherein the scheduling information,
Information on priorities predetermined by the platform providing system for the multi-asset portfolio for each asset type, or
A method for providing a platform for a multi-asset portfolio, characterized in that information adjusted by the customer terminal is a priority predetermined by the platform providing system for the multi-asset portfolio for each asset type.
The method of claim 5, wherein in response to the batch transaction request output from the customer's terminal, the step of collectively trading the assets included in the final multi-asset portfolio based on the trading conditions for each asset,
The method of providing a platform for a multi-asset portfolio, further comprising determining the scheduling information based on the type of the multi-asset portfolio.
The method of claim 1, wherein the assets are
A method of providing a platform for a multi-asset portfolio, characterized by at least two of ELS, OTC bonds, domestic stocks, funds, bonds subject to redemption, and overseas stocks.
The method of claim 1, wherein the proposal system,
A method for providing a platform for a multi-asset portfolio, characterized in that it is at least one of an advisory terminal for generating the multi-asset portfolio, an operator terminal, or a robo-advisor system for generating the multi-asset portfolio through an automated algorithm.
Providing, by a platform providing system for a multi-asset portfolio, customer information for a predetermined customer through a proposal system;
Different types of assets generated based on customer information provided by the platform providing system for the multi-asset portfolio-the assets include different types of financial products with different order conditions-and the assets Receiving a proposal request for a multi-asset portfolio including trading conditions for each field; And
Transmitting the information on the multi-asset portfolio received by the platform providing system for the multi-asset portfolio to the customer's terminal,
The above multi-asset portfolio is:
A method for providing a platform for a multi-asset portfolio including at least one of a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio generated based on the customer information.
A computer-readable computer program installed in a data processing device and stored in a recording medium for performing the method according to any one of claims 1 to 10.
Processor;
And a memory in which a program driven by the processor is stored,
The processor drives the program,
Request for a proposal of a multi-asset portfolio that includes asset information for different types of assets for customers from the proposal system-the assets include different types of financial products with different order conditions-and the trading conditions for each asset And receive
Transmitting information on the multi-asset portfolio requested for proposal to the customer's terminal,
Specify information on the final multi-asset portfolio based on the response from the customer's terminal,
A platform providing system for a multi-asset portfolio for collectively selling the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to a batch transaction request output from the customer's terminal.
The method of claim 12, wherein the multi-asset portfolio,
A platform providing system for a multi-asset portfolio that is selected from a multi-asset portfolio by type including a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio.
The method of claim 12, wherein the processor drives the program,
When a simple approval response of the multi-asset portfolio is received from the customer's terminal, the multi-asset portfolio is specified as the final multi-asset portfolio, and when a portfolio adjustment request is received from the Gauguin's terminal, it corresponds to the portfolio adjustment request. Specifying the multi-asset portfolio adjusted to be the final multi-asset portfolio,
The portfolio adjustment request above is:
A platform providing system for a multi-asset portfolio including a request for adjustment of the weight of the assets or a request for adjustment of the trading conditions of the assets.
The method of claim 12, wherein the processor drives the program,
On the basis of scheduling information determined in a predetermined manner-the scheduling information includes information on trading priorities between the types of assets -, batch trading of the assets is performed to correspond to the scheduling information and the trading conditions. A platform providing system for a multi-asset portfolio.
Processor;
And a memory in which a program driven by the processor is stored,
The processor drives the program,
Providing customer information for a given customer through a proposal system,
A multi-asset portfolio including asset information including different types of assets generated based on the provided customer information-the assets including different types of financial products having different order conditions-and the trading conditions for each asset Receives the request for proposal of, and transmits the received information on the multi-asset portfolio to the customer's terminal,
The above multi-asset portfolio is:
A platform providing system for a multi-asset portfolio including at least one of a new purchase type multi-asset portfolio, a rebalancing-type multi-asset portfolio, or an accumulation type multi-asset portfolio generated based on the customer information.

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