KR20210090079A - Server for providing personal finance management solutions, method thereof and computer recordable medium storing program to perform the method - Google Patents

Abstract

The present invention provides a device which quantifies risk and future expectation values for a personal asset to provide a personal asset management solution for enabling actual management for all personal individual assets, a method therefor, and a computer recordable medium storing a program to perform the same method.

Description

A personal wealth management solution providing server, a personal wealth management solution providing method, and a computer-readable recording medium on which a program performing the method is recorded }

The present invention relates to an apparatus for providing a personal asset management solution capable of managing an individual's assets using Internet communication technology, a method for the same, and a computer-readable recording medium in which a program for performing the method is recorded. .

Since the 2008 financial crisis, the global financial market is facing a situation that mankind has never experienced. Developed countries are experiencing zero interest rates, unreasonable quantitative easing policies, and the resulting global negative interest rates, which have yet to recover.

In the face of this environment, despite the fact that the greatest concern of individuals is risk management for their own assets, no personal wealth management service at home or abroad specifically informs about the risks and opportunities that individuals have with their assets. it has not been possible.

It is an object of the present invention to provide an apparatus, method and method for providing a personal asset management solution that enables practical management of all individual assets of an individual by providing numerically the risk and future expected values for individual assets An object of the present invention is to provide a computer-readable recording medium on which a program for performing a method is recorded.

In addition, another object of the present invention is to automatically calculate and provide the asset distribution status and expected rate of return of people with similar tendencies to the member so that the member can determine whether to revise his or her asset allocation, and furthermore, It is to provide an online platform service that can provide expert analysis information for individual products.

The personal asset management solution providing server according to a preferred embodiment of the present invention for achieving the above object is, based on the asset registration information for the member's holding product received from the member terminal, the holding from the corresponding trading institution server an asset status information collection unit that collects asset status information for products and delivers the collected asset status information to the member terminal; a market price information collecting unit for collecting real-time or period-by-period market price information for each of a plurality of product items from a price inquiry agency server and storing the collected information in a product price information database; Based on the product information on the holding product included in the asset status information, the current price information of the product item corresponding to the holding product is collected from the product price information database collected through the price inquiry agency server and stored in the member terminal. Realized rate calculation unit to deliver; For each of a plurality of product sectors including a plurality of product items, the product price information of each of the individual product items included in each product sector is collected from the product price information database in time-series, and the product price information of the individual product items is collected for a certain period of time. a future expected value calculator that calculates a future expected value for each product sector based on the price change rate during the period; and an expected return calculation unit for calculating an expected return for the held product based on the expected future value for each product sector calculated for the corresponding product sector with respect to the holding product.

Here, the asset registration information may include transaction institution information for each of the plurality of holdings and access information to the transaction institution server.

In addition, the asset status information collection unit transmits the asset registration information received from the member terminal to a broker server, and receives asset status information about the holding products collected from a plurality of transaction institution servers through the broker server. can

In addition, the realized rate of return calculation unit may calculate the total rate of return during the holding period compared to the current household information based on the purchase price of the holding product included in the asset status information as the realized rate of return and transmit it to the member terminal.

Meanwhile, the expected future value for each of the plurality of product sectors calculated by the future expected value calculating unit is transmitted to an expert terminal corresponding to the product sector, and expert analysis information is collected from the expert terminal to the member terminal. It may further include an expert analysis information collection unit to be delivered to.

In addition, specific PEER tendency information by extracting a plurality of asset status information from the PEER group database that matches and stores a plurality of asset status information collected for each member with respect to each PEER tendency information received from a plurality of member terminals It may further include; a benchmark information generation unit that generates the asset allocation ratio and the expected return rate calculated for the holdings included in the asset status information as benchmark information for each PEER group and transmits it to the member terminal. have.

In another aspect, in the method of providing a personal self-management solution according to the present invention, the asset status information collection unit receives the asset for the holding product from the corresponding trading institution server based on the asset registration information for the member's holding product received from the member terminal. a first step of collecting status information and transmitting the collected asset status information to the member terminal; a second step of collecting the current price information for the held product through a market price inquiry agency server based on the product information on the holding product included in the asset status information by the realized rate of return calculation unit and transmitting it to the member terminal; For each of a plurality of product sectors including a plurality of product items, the future expected value calculation unit collects real-time or period-by-period market price information for each of a plurality of product items from the price inquiry agency server by the market price information collection unit and stores the stored product From the market price information database, product price information of each individual product item included in each product sector is collected time-series, and the expected future value for each product sector is calculated based on the price change rate for a certain period of the individual product item. a third step; A fourth step of calculating the expected rate of return for the holding product based on the expected future value calculated for the product sector corresponding to the holding product by the expected rate of return calculation unit and delivering it to the member terminal; can

Here, the asset registration information may include transaction institution information for each of the plurality of holdings and access information to the transaction institution server.

In addition, in the first step, the asset status information collection unit transmits the asset registration information received from the member terminal to a broker server, and the assets for the holdings collected from a plurality of trading institution servers through the broker server You can receive status information.

Furthermore, in the second step, the realized rate of return calculation unit calculates the total rate of return during the holding period compared to the current household information based on the purchase price for the holding product included in the asset status information as the realized rate of return, can transmit

Additionally, the expert analysis information collecting unit transmits the expected future value for each of the plurality of product sectors calculated by the future expected value calculation unit to the expert terminal corresponding to the product sector, and expert analysis information from the expert terminal It may further include the step of collecting and delivering to the member terminal.

In addition, the benchmark information generation unit matches a plurality of asset status information collected for each member with respect to each PEER tendency information received from a plurality of member terminals, and extracts a plurality of asset status information from the PEER group database. The method may further include generating the asset allocation ratio for specific PEER propensity information and the expected return rate calculated for the holding product included in the asset status information as benchmark information for each PEER group and transmitting it to the member terminal.

According to another aspect of the present invention, it is possible to provide a computer readable recording medium in which a program for processing a personal asset management solution providing method according to a preferred embodiment of the present invention with a computer to achieve the above object is recorded. have.

According to the present invention, it is possible to perform a function as an automatic personal asset diagnosis device that provides practical help to asset management by quantifying and showing the risks and opportunities for the assets held by individuals at a glance. Furthermore, the present invention is an automatic personal wealth management service that automatically calculates and provides the asset distribution status and expected return of other people with similar dispositions or assets to the member, so that the member can determine whether his/her asset allocation has been modified. can provide In addition, it is possible to provide an online platform service that enables analysis or consultation from a group of experts on specific asset items held by members, and through this, members can provide professional counseling services for individual assets through videos, reporters, or individual counseling can be conveniently provided anytime, anywhere through your mobile device.

1 is a view for explaining a system for providing a personal asset management solution according to an embodiment of the present invention.
2 is a block diagram for explaining the configuration of a solution providing server according to an embodiment of the present invention.
3 and 4 are screen examples for explaining a method for a member to register asset registration information for his/her own product through a member terminal according to an embodiment of the present invention.
5 is an example of a screen for displaying asset status information on a member terminal according to an embodiment of the present invention.
6 is an example of a screen for displaying the contents of asset analysis including the realized rate of return and the expected rate of return for holding products on the member terminal according to an embodiment of the present invention.
7 is an example of a screen for displaying expert analysis information on a member's possession product on a member terminal according to an embodiment of the present invention.
8 is an example of a screen displaying benchmark information including asset allocation ratio and expected return for a PEER group having similar PEER propensity information on a member terminal according to an embodiment of the present invention.

Prior to the detailed description of the present invention, the terms or words used in the present specification and claims described below should not be construed as being limited to their ordinary or dictionary meanings, and the inventors should develop their own inventions in the best way. For explanation, it should be interpreted as meaning and concept consistent with the technical idea of the present invention based on the principle that it can be appropriately defined as a concept of a term. Accordingly, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all of the technical spirit of the present invention, so various equivalents that can be substituted for them at the time of the present application It should be understood that there may be water and variations.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In this case, it should be noted that the same components in the accompanying drawings are denoted by the same reference numerals as much as possible. In addition, detailed descriptions of well-known functions and configurations that may obscure the gist of the present invention will be omitted. For the same reason, some components are exaggerated, omitted, or schematically illustrated in the accompanying drawings, and the size of each component does not fully reflect the actual size.

In order to make the features and advantages of the problem solving means of the present invention more clear, the present invention will be described in more detail with reference to specific embodiments of the present invention shown in the accompanying drawings. However, detailed descriptions of well-known functions or configurations that may obscure the gist of the present invention in the following description and accompanying drawings will be omitted. Also, it should be noted that throughout the drawings, the same components are denoted by the same reference numerals as much as possible.

The terms or words used in the following description and drawings should not be construed as being limited to conventional or dictionary meanings, and the inventor may appropriately define the concept of terms for describing his invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention based on the principle that there is. Accordingly, the embodiments described in this specification and the configurations shown in the drawings are only the most preferred embodiment of the present invention, and do not represent all of the technical spirit of the present invention. It should be understood that there may be equivalents and variations.

In addition, terms including ordinal numbers such as first, second, etc. are used to describe various components, and are used only for the purpose of distinguishing one component from other components, and to limit the components. not used For example, without departing from the scope of the present invention, the second component may be referred to as the first component, and similarly, the first component may also be referred to as the second component.

In addition, when an element is referred to as being “connected” or “connected” to another element, it means that it is logically or physically connected or can be connected. In other words, it should be understood that a component may be directly connected or connected to another component, but another component may exist in the middle, and may be indirectly connected or connected.

In addition, the terms used herein are used only to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In addition, terms such as "comprises" or "have" as used herein are intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, but one or the It should be understood that the above does not preclude the possibility of the existence or addition of other features or numbers, steps, operations, components, parts, or combinations thereof.

In addition, terms such as “…unit”, “…group”, and “module” described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

Also, "a or an", "one", "the" and similar terms are otherwise indicated herein in the context of describing the invention (especially in the context of the following claims). or may be used in a sense including both the singular and the plural unless clearly contradicted by context.

Furthermore, embodiments within the scope of the present invention include computer-readable media having or carrying computer-executable instructions or data structures stored thereon. Such computer readable media can be any available media that can be accessed by a general purpose or special purpose computer system. By way of example, such computer-readable media may be in the form of RAM, ROM, EPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage, or computer-executable instructions, computer-readable instructions or data structures. It may include, but is not limited to, a physical storage medium such as any other medium that can be used to store or convey any program code means that has been created, and which can be accessed by a general purpose or special purpose computer system.

In the following description and claims, a “network” is defined as one or more data links that enable the transfer of electronic data between computer systems and/or modules. When information is transmitted or provided to a computer system via a network or other communication connection (wired, wireless, or a combination of wired or wireless), the connection may be understood as a computer-readable medium. Computer readable instructions include, for example, instructions and data that cause a general purpose computer system or special purpose computer system to perform a particular function or group of functions. The computer executable instructions may be, for example, binary, intermediate format instructions such as assembly language, or even source code.

Furthermore, the present invention relates to personal computers, laptop computers, handheld devices, multiprocessor systems, microprocessor-based or programmable consumer electronics, network PCs, minicomputers, mainframe computers, mobile telephones, PDAs, pagers. In a network computing environment having various types of computer system configurations including (pager) and the like, it may be applied to providing advertisements to the computer systems. The invention may also be practiced in distributed system environments where both local and remote computer systems linked through a network by a wired data link, a wireless data link, or a combination of wired and wireless data links perform tasks. In a distributed system environment, program modules may be located in local and remote memory storage devices.

Now, a system for providing a personal asset management solution according to an embodiment of the present invention will be described. 1 is a diagram for explaining a system for providing a personal asset management solution according to an embodiment of the present invention. Referring to FIG. 1 , the personal asset management solution providing system includes a solution providing server 100 and a member terminal 200 .

The solution providing server 100 is an entity on the network including functions of an application server and a database server on the network. In particular, the solution providing server 100 may be a server that provides various services related to personal asset management. The solution providing server 100 receives the necessary information from the member terminal 200, and based on this, the member's assets from the external trading agency server 300 and/or the market price inquiry agency server 400 for the member's holding product. It can serve to collect status information and market price information for various products, process the collected information appropriately, and provide it to the member terminal 200 .

The member terminal 200 or the expert terminal 500 is described as a representative example of a personal computer, but is not limited thereto, and all information and communication devices, multimedia terminals, wired terminals, fixed terminals and IP (Internet) capable of performing computing operations. Protocol) can be applied to various terminals such as terminals. For example, the terminal is a mobile terminal having various mobile communication specifications such as a mobile phone, a portable multimedia player (PMP), a mobile Internet device (MID), a smart phone, a tablet PC, a phablet PC, and an information communication device. Or, as another example, it may be a notebook.

The trading institution server 300 is a server owned by a trading institution handling various products, for example, stocks, bonds, virtual currency, deposits, loans, insurance, funds, automobiles, real estate, gold, etc. It refers to a server owned by a trading institution such as The solution providing server 100 may communicate with a plurality of transaction institution servers 300 through a network, and based on the asset registration information received from the user terminal 200 , retain members from the corresponding transaction institution server 300 . Asset status information about products can be collected. In addition, the solution providing server 100 transmits the asset registration information registered by the member to the broker server 310 , and then collectively receives the member's asset status information from the plurality of transaction institution servers 300 through the broker server 310 . may be provided.

The market price inquiry server 400 refers to a server owned by an institution that provides market price information for various products such as stocks, bonds, virtual currency, automobiles, real estate, gold, and art. The solution providing server 100 may communicate with a plurality of price inquiry agency servers 400 through a network, and may collect current price information for various products.

The solution providing server 100, the member terminal 200, the trading agency server 300, the broker server 310, the price inquiry agency server 400, and the expert terminal 500 transmit and receive data to and from each other through the network. can For example, the network may include a wireless communication network such as Wireless LAN (WLAN), Wi-Fi, Wibro, Wimax, High Speed Downlink Packet Access (HSDPA), and the like, and the system implementation method In some cases, it may include wired communication networks such as Ethernet, xDSL (ADSL, VDSL), HFC (Hybrid Fiber Coaxial Cable), FTTC (Fiber to The Curb), and FTTH (Fiber To The Home). In addition, the network of the present invention may include, for example, a mobile communication network including a plurality of access networks and a core network connecting them. Here, the access network is a network that performs wireless communication by directly connecting with the terminal, for example, a plurality of base stations such as BS (Base Station), BTS (Base Transceiver Station), NodeB, eNodeB, etc., and BSC (Base Station Controller) , may be implemented as a base station controller such as a radio network controller (RNC). In addition, as described above, the digital signal processing unit and the radio signal processing unit, which were integrally implemented in the base station, are divided into digital units (Digital Unit, hereinafter referred to as DU and radio unit, hereinafter referred to as RU), respectively. A plurality of RUs (not shown) may be installed in each area of , and a plurality of RUs may be connected to a centralized DU to form a core network (not shown) constituting a mobile network together with an access network. A network, for example, serves to connect other communication networks such as the Internet network, etc. As described above, the core network is a network system that performs main functions for mobile communication services such as mobility control and switching between access networks, and is a circuit It performs circuit switching or packet switching, and manages and controls packet flow within the mobile network, and the core network manages inter-frequency mobility, access networks and traffic and other networks in the core network. For example, it may play a role for interworking with the Internet network.These core networks are SGW (Serving GateWay), PGW (PDN GateWay), MSC (Mobile Switching Center), HLR (Home Location Register), MME (Mobile Mobility) Entity) and HSS (Home Subscriber Server), etc. In addition, the network according to the present invention may include an Internet network. The Internet network is a conventional network in which information is exchanged according to the TCP/IP protocol. It means an open communication network, that is, a public network.

Next, a configuration of the solution providing server 100 according to an embodiment of the present invention and a method of providing a personal asset management solution performed thereby will be described. 2 is a block diagram for explaining the configuration of the solution providing server 100 according to an embodiment of the present invention. Referring to FIG. 2 , the solution providing server 100 includes an asset status information collection unit 110 , a realized rate of return calculation unit 120 , an expected future value calculation unit 130 , an expected rate of return calculation unit 140 , and market price information collection. It may include a unit 150 , an expert analysis information collection unit 160 , and a benchmark information generation unit 170 . In addition, the solution providing server 100 may include a database pool 180 , a product price information DB 181 , a PEER group DB 182 , an expert pool DB 183 , and an expert analysis information DB 184 . .

First, the asset status information collection unit 110, upon receiving the asset registration information for the product held by the member from the member terminal 200, is based on the received asset registration information from the corresponding transaction institution server 200 Collects asset status information on owned products, and delivers the collected asset status information to member terminals.

Here, the member's holding product may include all products including financial products, spot products, and the like. For example, the holding product is used as a collective name for all assets that an individual can hold, such as stocks, bonds, virtual currency, deposits, loans, insurance, automobiles, real estate, funds, gold, artworks, and expensive luxury goods. The member terminal 200 is requested to register asset registration information that can access the server of a trading institution, such as a bank, a securities company, an insurance company, etc. handling each product with respect to the products owned by the member. A member refers to information necessary for online access to the transaction institution server with which the member transacts (i.e., information on the transaction institution server by asset type (eg, the name of the transaction institution, etc.) and access information on the corresponding transaction institution server for each asset type, , for example, log-in information, a public certificate, password, etc.) is transmitted to the solution providing server 100 as asset registration information.

For example, through the asset registration screen (see FIG. 3) displayed on the member terminal 200, the member selects one or more relevant trading institutions according to the asset type (deposit, MMF, securities, insurance, loan, etc.) , a public certificate and password are input as access information (refer to FIG. 4) accessible to the corresponding transaction agency server, and transmitted to the solution providing server 100 . At this time, the solution providing server 100 collects asset status information for the held product by accessing the selected trading agency server 300 based on the asset registration information input by the member. As a method of collecting asset status information, for example, by using the asset registration information received from the member terminal 200 using a screen scraping technology, access to one or more trading agency servers 300 and Collect asset status information. In another method, the asset status information collection unit 110 provides the member's asset registration information received from the member terminal 200 to an external broker server 310 that provides a fintech service, It is also possible to collectively collect asset status information on the members' holdings through the server 300 and the intermediary server 310 capable of communicating. In addition, asset status information about the member's holdings may be collected from the trading institution server by using an open API (Open Application Program Interface) technology.

The asset status information collected in this way refers to information such as product information, transaction details, holding balance, purchase unit price, and interest information on the products owned by the member. For example, information collected as asset status information may include information as shown in Table 1 for each asset type. For reference, the detailed information constituting the asset status information shown in Table 1 is not limited to the contents shown in Table 1, and may be added or excluded as necessary.

[Table 1]

The asset status information collection unit 110 transmits the asset status information collected in this way to the member terminal 200 . The member terminal 200 may display asset status information provided through the solution providing server 100 as shown in FIG. 5 . Accordingly, the member can easily check the products he owns through his or her member terminal 200 . In addition, in the case of an asset without an external trading institution among the products owned by the member, the member may directly input the necessary asset status information into the member terminal 200 and then transmit it to the solution providing server 100 . For example, when the asset type is spot gold, necessary asset status information (eg, purchase amount, purchase date, purchase price, etc.) may be input and transmitted to the solution providing server 100 .

Next, the realized rate of return calculation unit 120, the asset status information collection unit 110 or the member terminal 200 based on the product information on the holdings included in the asset status information for a specific member collected from the market price Current price information on the products held by the inquiry agency server 400 is collected and transmitted to the member terminal 200 . Then, the member terminal 200 based on the current price information for each holding product received from the solution providing server 100, based on the purchase price for the holding product included in the asset status information, during the holding period compared to each current price information. Calculate and display the total return as the realized rate of return. In another method, the realized rate of return calculation unit 120 calculates the total rate of return during the holding period compared to the current household information based on the purchase price of the holding product as the realized rate of return based on the collected asset status information, and the member terminal 200) can also be forwarded to

For example, stocks, bonds, virtual currency, automobiles, real estate, funds, gold, art, etc., for financial products or in-kind products, collect market prices for the respective holdings through a price inquiry agency server, and based on this, the rate of return during the holding period can be calculated as the realized rate of return. In the case of a deposit, the market price inquiry server may be the same as the corresponding transaction institution server, and the current interest rate of the deposit may be calculated by processing the balance and interest amount collected from the transaction institution and calculated as the realized rate of return. Even in the case of a loan, the market price inquiry server may be the same as the corresponding trading institution server, and by processing the balance and interest amount collected from the trading institution, the loan interest rate may be calculated and calculated as the realized rate of return. In the case of insurance products, the market price inquiry agency server can use the corresponding trading agency server, and can calculate the realized rate of return by collecting the cancellation refund amount at the current time based on the asset status information collected from the trading agency. In the case of automobiles and real estate, based on the asset status information received from the member terminal, market price information for the corresponding product may be collected to calculate the realized rate of return for the corresponding holding product.

Next, with respect to each of the plurality of product sectors including the plurality of product items, the expected future value calculation unit 130 , based on the price change rate of the product items included in each of the product sectors for a certain period of time, the corresponding product Calculate the future expected value for each sector. To this end, the solution providing server 100 collects real-time or period-by-period market price information for each of a plurality of product items through the market price information collection unit 150 and stores it in the product price information database 181 . The market price information for each product item stored in the product price information database 181 may be used when the realized yield calculation unit 120 collects the current price information.

A method of calculating the expected future value for each product sector in the future expected value calculating unit 130 will be described in more detail as follows.

For example, since competitive products or similar products exist in all assets, price volatility is processed using numerous time-series price information of individual products within a group of similar products or competing products to find unique signals in the relevant product sector. That is, a plurality of product sectors composed of a plurality of similar products or competing products are configured, and the price information of each individual product constituting each product sector is collected in time series, and then processed to normalize and optimize the data. . At this time, based on the price fluctuation trend of a plurality of individual products, products that meet preset threshold conditions (upper and lower limits) and all individual products constituting the corresponding product sector are compared to calculate the future expected value of the corresponding product sector. . In other words, for all asset types traded in the market, the expected future value calculation unit 130 calculates, in real time, price information of individual items constituting the product sector for each of a plurality of product sectors composed of similar products or competing products. Alternatively, after collecting market price information for each period, the expected future value of the product sector is calculated based on the time-series price fluctuation rate of the individual stocks. In addition, the expected future value calculation unit 130 may transmit the calculated future expected values for the plurality of product sectors to the member terminal 200 . Through this, members can use expected future values for various product sectors as investment information.

On the other hand, the expected return calculation unit 140 calculates the expected return on the products owned by the member by using the previously calculated future expected values for various product sectors. In other words, the product sector corresponding to each individual holding product included in the asset status information for the member's holding product is selected, and the expected return on the holding product is based on the expected future value calculated for the selected product sector. to calculate For example, if the asset type of the member's product is "stock" and the individual item is "Samsung Electronics", the future expected value calculation unit 130 for the product sector to which "Samsung Electronics" belongs (eg, "IT information industry") ), the expected return of “Samsung Electronics” stock within a certain period of the future is calculated by comparing the price change rate of the current “Samsung Electronics” stock based on the expected future value for each sector.

The information on the expected return on the individual holdings calculated in this way is transmitted to the member terminal 200 . The member terminal 200 may display the realized rate of return and the expected rate of return calculated for the holding item as shown in FIG. 6 . Referring to FIG. 6 , one of the two coordinate axes orthogonal to each other on a two-dimensional plane can be expressed as the realized rate of return and the other as the expected rate of return, and each of the products held by the member can be displayed according to the asset type and asset size. have. For example, in FIG. 6, when the expected return and the realized return are both (+), it is displayed in the first quadrant, and when the expected return and the realized return are both (-), it is displayed in the third quadrant. The size of the won is expressed in proportion to the asset size of each holding product.

Meanwhile, the expected future value for each sector calculated by the future expected value calculating unit 130 is transmitted to the expert terminal 500 corresponding to the corresponding product sector. The solution providing server 100 may further include a plurality of expert pool databases (DB) 183 matched to each product sector, and expert terminals corresponding to individual product sectors through the expert pool DB 183 ( 500), the calculated future expected value for the relevant product sector is transmitted. Based on the expected future value calculated for the product sector, the expert analyzes the analysis information for the product sector in the form of video data, document data, or link information that allows them to be viewed on the solution providing server (100). The expert analysis information collection unit 160 records the received analysis information in the expert analysis information database 184, and when there is a request for expert analysis information on the held product from the member terminal 200, the product to which the possessed product belongs The expert analysis information matched for the sector is provided to the member terminal 200 (see FIG. 7 ).

In addition, the solution providing server 100 matches a plurality of asset status information collected for each member with respect to each PEER tendency information received from a plurality of member terminals 200 and stores it in the PEER group database 182. have. At this time, the solution providing server 100 may request the member terminal 200 to input PEER tendency information (credit rating, age, region, net worth, gender, dependents, investment propensity, etc.) in advance. The received PEER tendency information is stored by matching with the asset status information collected for each member terminal 200 . The benchmark information generation unit 170 extracts a plurality of asset status information from the PEER group database 182, and calculates the asset allocation ratio for specific PEER propensity information and the holding products included in the asset status information. Generate the expected rate of return as benchmark information for each PEER group. For example, according to the PEER tendency information received for a specific member, a PEER group having similar PEER tendency information is selected, and the asset allocation ratio and expected return rate for the PEER group are calculated as benchmark information and sent to the member terminal 200. send. For example, benchmark information for the PEER group displayed on the member terminal 200 may be displayed as shown in FIG. 8 .

Meanwhile, the method for providing a personal asset management solution according to an embodiment of the present invention described above may be implemented in the form of a program readable through various computer means and recorded in a computer readable recording medium. Here, the recording medium may include a program command, a data file, a data structure, etc. alone or in combination. The program instructions recorded on the recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. For example, the recording medium includes magnetic media such as hard disks, floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks ( magneto-optical media), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language wires such as those generated by a compiler, but also high-level language wires that can be executed by a computer using an interpreter or the like. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, while this specification contains numerous specific implementation details, these are not to be construed as limiting as to the scope of any invention or claim, but rather may be specific to particular embodiments of a particular invention. It should be understood as a description of features. Certain features that are described herein in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Furthermore, although features operate in a particular combination and may be initially depicted as claimed as such, one or more features from a claimed combination may in some cases be excluded from the combination, the claimed combination being a sub-combination. or a variant of a sub-combination.

Likewise, while the series of steps performed through the personal wealth management solution providing system have been described in a specific order above, it should not be construed that such actions must be performed in the specific order or sequential order shown in order to achieve a desired result. do. In certain cases, multitasking and parallel processing may be advantageous. Further, the separation of the various system components of the above-described embodiments should not be construed as requiring such separation in all embodiments, and the program components and systems described may generally be integrated together into a single software product or packaged into multiple software products. You have to understand that you can.

The foregoing description sets forth the best mode of the invention, and provides examples to illustrate the invention and to enable any person skilled in the art to make or use the invention. This written specification does not limit the present invention to the specific terms presented. Accordingly, although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to these examples without departing from the scope of the present invention. Therefore, the scope of the present invention should not be defined by the described embodiments, but should be defined by the claims.

Claims (13)

Assets that collect asset status information on the holding products from a corresponding trading institution server based on the asset registration information for the member's holdings received from the member terminal, and deliver the collected asset status information to the member terminal status information collection unit;
a market price information collecting unit for collecting real-time or period-by-period market price information for each of a plurality of product items from a price inquiry agency server and storing the collected price information in a product price information database;
Based on the product information on the holding product included in the asset status information, the current price information of the product item corresponding to the holding product is collected from the product price information database collected through the price inquiry agency server and stored in the member terminal. Realized rate of return calculation unit to deliver;
For each of a plurality of product sectors including a plurality of product items, the product price information of each of the individual product items included in each product sector is collected from the product price information database in time-series, a future expected value calculator that calculates a future expected value for each product sector based on the price change rate during the period;
an expected rate of return calculation unit for calculating an expected rate of return for the holding product based on the expected future value for each product sector calculated for the corresponding product sector;
Including, personal asset management solution providing server.
The method of claim 1,
The asset registration information, a personal asset management solution providing server, characterized in that it includes transaction institution information for each of a plurality of holding products and access information to the transaction institution server.
The method of claim 1,
The asset status information collection unit transmits the asset registration information received from the member terminal to a broker server, and receives asset status information on the holding products collected from a plurality of transaction institution servers through the broker server A personal asset management solution providing server.
The method of claim 1,
The realized rate of return calculation unit, based on the purchase price of the holding product included in the asset status information, calculates the total rate of return during the holding period compared to the current household information as the realized rate of return and transmits it to the member terminal, A server that provides personal asset management solutions.
The method of claim 1,
The expected future value for each of the plurality of product sectors calculated by the future expected value calculation unit is transmitted to an expert terminal corresponding to the product sector, and expert analysis information is collected from the expert terminal and transmitted to the member terminal. A personal asset management solution providing server, characterized in that it further comprises an expert analysis information collection unit.
The method of claim 1,
Assets for specific PEER tendency information by extracting a plurality of asset status information from the stored PEER group database by matching a plurality of asset status information collected for each member with respect to each PEER tendency information received from a plurality of member terminals A benchmark information generating unit that generates the distribution ratio and the expected return rate calculated for the holding product included in the asset status information as benchmark information for each PEER group and transmits it to the member terminal; characterized by further comprising: , a server that provides personal asset management solutions.
The asset status information collection unit collects asset status information on the holding product from a corresponding trading institution server based on the asset registration information for the member's holding product received from the member terminal, and uses the collected asset status information to the member A first step of delivering to the terminal;
a second step of collecting the current price information for the held product through a market price inquiry agency server based on the product information on the holding product included in the asset status information by the realized rate of return calculation unit and transmitting it to the member terminal;
For each of a plurality of product sectors including a plurality of product items, the future expected value calculation unit collects real-time or period-by-period market price information for each of a plurality of product items from the price inquiry agency server by the market price information collection unit and stores the stored product From the market price information database, product price information of each individual product item included in each product sector is collected time-series, and the expected future value for each product sector is calculated based on the price change rate for a certain period of the individual product item. a third step;
a fourth step of calculating, by an expected return calculating unit, an expected return on the held product based on the expected future value calculated for the product sector corresponding to the holding product and transmitting it to the member terminal;
A method of providing a personal asset management solution, including
8. The method of claim 7,
The asset registration information, a method for providing a personal asset management solution, characterized in that it includes transaction agency information for each of a plurality of holding products and access information to the transaction agency server.
8. The method of claim 7,
In the first step, the asset status information collection unit transmits the asset registration information received from the member terminal to a broker server, and asset status information on the holdings collected from a plurality of trading institution servers through the broker server A method of providing a personal asset management solution, characterized in that it receives a.
8. The method of claim 7,
In the second step, the realized rate of return calculation unit calculates the total rate of return during the holding period compared to the current price information based on the purchase price of the holding product included in the asset status information as the realized rate of return and delivers it to the member terminal A method of providing a personal wealth management solution, characterized in that.
8. The method of claim 7,
An expert analysis information collecting unit transmits the expected future value for each of the plurality of product sectors calculated by the future expected value calculation unit to an expert terminal corresponding to the product sector, and collects expert analysis information from the expert terminal to the member terminal, characterized in that it further comprises the step of providing a personal asset management solution.
8. The method of claim 7,
The benchmark information generation unit matches the plurality of asset status information collected for each member with respect to each PEER tendency information received from a plurality of member terminals, and extracts a plurality of asset status information from the stored PEER group database to specify The method further comprising the step of generating the asset allocation ratio for PEER propensity information and the expected return rate calculated for the holding product included in the asset status information as benchmark information for each PEER group and transmitting it to the member terminal , How to provide personal wealth management solutions.
A computer-readable recording medium in which a program for processing the personal asset management solution providing method according to any one of claims 7 to 12 with a computer is recorded.

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