KR20220081505A - A Method of Distributed Investment Using Automatic Server - Google Patents

Abstract

The automatic diversification investment method according to the present invention comprises the steps of setting a diversified investment deposit amount for each of a plurality of investors;
Setting diversified investment conditions for each of a plurality of investors, receiving characteristic information of an investment product, the plurality of
based on the deposit amount and diversified investment conditions for each of the investors of
Determining a diversification investment amount for the investment product of diversified investment hopefuls and each of the diversified investment hopefuls;
and performing investment processing for the investment product based on the determined diversified investment candidates and diversified investment amounts.
By including it, it is possible to provide automatic diversification to investors.

Description

{A Method of Distributed Investment Using Automatic Server}

The present invention relates to an automatic diversification investment method and apparatus performed by an automatic diversification investment server.

With the recent development of fintech technology, P2P (Peer to Peer) where investors and borrowers meet online to make a transaction.

finance) Various investment products such as financial products are being developed. Therefore, investors are encouraged to invest in a variety of investment products.

A safer and more profitable technology is required.

The present invention is an automatic diversification investment method and equipment performed by an automatic diversification investment server to realize the purpose of the above technology.

It provides investors with automatic diversification.

The automatic distribution investment method performed by the automatic distribution investment server according to an embodiment of the present invention is for each of a plurality of investors.

Setting one diversified investment deposit amount, setting diversified investment conditions for each of the plurality of investors;

Receiving characteristic information of own product, the deposit amount and diversification investment conditions for each of the plurality of investors, and the investment

Based on the characteristic information of the own product, each of the diversified investment hopefuls and the diversified investment hopefuls for the investment product

Determining a diversified investment amount for an investment product, and based on the determined diversified investment applicants and diversified investment amounts

It characterized in that it comprises the step of investment processing for the investment product.

In one embodiment, the step of setting the diversified investment conditions includes receiving the diversified investment conditions from each investor's computer.

It is characterized in that it comprises the step of

In one embodiment, the diversification investment condition includes a condition for setting a diversified investment amount, and the condition for setting a diversified investment amount includes:

For the investment products of

It is characterized by dryness.

In one embodiment, the condition for setting the diversified investment amount is based on the diversified investment amount per investment product or the entire product amount for each investment product.

It is characterized in that it includes the ratio of the diversified investment amount.

In one embodiment, the step of setting the diversification investment conditions for each of the plurality of investors includes each investor's diversification investment example

Special comprising the step of setting conditions for each investor's diversified investment amount based on the value of the investment and the number of investment products.

do it with a jin

In one embodiment, the step of setting the diversification investment conditions for each of the plurality of investors includes the diversification of each investor.

The amount of each investor's investment divided by the number of investment products expected to be registered for a certain period in the future

It characterized in that it includes the step of setting the investment amount to be diversified per own product.

In one embodiment, the diversification investment condition includes a diversification investment product selection condition, and a diversification investment desire for the investment product

The determining of the investors and the diversified investment amount may include determining an investor whose characteristic information of the investment product satisfies a diversified investment product selection condition as a diversified investment hopeful for the investment product.

In one embodiment, the diversified investment product selection condition is at least one of maturity, investment period, yield, risk, and underlying asset.

It is characterized in that it includes.

In one embodiment, the diversification investment condition includes a diversification investment product selection condition, and a diversification investment desire for the investment product

In the step of determining the investors and the diversified investment amount, the characteristic information of the investment product satisfies the diversified investment product selection condition,

Depending on the conditions for setting the diversified investment amount, the diversified investment deposit amount is greater than or equal to the diversified investment amount to be applied to the above investment products.

It characterized in that it comprises the step of determining the investor as a diversified investment hopeful for the investment product.

In one embodiment, investment processing for the investment product based on the determined diversified investment candidates and diversified investment amounts

The step of processing the determined diversified investment aspirants to invest the determined diversified investment amounts in the investment product

It is characterized in that it comprises the step of

In one embodiment, investment processing for the investment product based on the determined diversified investment candidates and diversified investment amounts

When the sum of the determined diversified investment amounts exceeds the product amount of the investment product, the determined

It characterized in that it comprises the step of adjusting the investment aspirants and/or the determined diversified investment amount.

In one embodiment, the step of adjusting the determined diversified investment candidates and/or the determined diversified investment amounts includes:

Decrease the determined diversified investment amounts at a certain rate so that the sum of the capital amounts is less than or equal to the product amount of the investment product

It is characterized in that it includes the step of making.

In one embodiment, the step of adjusting the determined diversified investment candidates and/or the determined diversified investment amounts includes:

Some of the determined diversified investors are selected so that the sum of the amounts of funds is less than or equal to the product amount of the investment product.

is characterized in that it comprises a step.

In one embodiment, the step of selecting some of the determined diversified investment candidates is the same as or similar to the investment product

Including the step of preferentially selecting investors who have last invested in other investment products with characteristic information

characterized in that

In one embodiment, another investment product having the same or similar characteristic information as the investment product is the investment product and the characteristic definition

It is characterized in that all or part of the information is the same or an investment product within a certain range.

In one embodiment, the step of selecting some of the determined diversified investment hopefuls is to select an investor with a large diversified investment deposit amount.

It is characterized in that it includes the step of preferentially selecting.

In one embodiment, investment processing for the investment product based on the determined diversified investment candidates and diversified investment amounts

The step of doing is, for each of the determined diversified investment hopefuls, the diversification of investment products to be diversified by the diversified investment hopeful.

If the sum of the amount of funds exceeds the diversified investment deposit amount of the desired diversification investment, among the investment products to be diversified

It characterized in that it comprises the step of selecting some.

In one embodiment, the step of selecting some of the investment products to be diversified includes preferentially selecting an investment product with a large product amount.

It is characterized in that it comprises the step of selecting.

The automatic dispersion investment server according to an embodiment of the present invention, the dispersion investment deposit amount and dispersion for each of a plurality of investors

A dispersion investment setting unit for setting investment conditions, an investment product receiving unit for receiving characteristic information of the investment product; and the plurality of two

Based on the deposit amount and diversified investment conditions for each of them, and the characteristic information of the investment product,

Determining a diversification investment amount for the investment product of one diversified investment wisher and each of the diversified investment wishers, and

Includes an investment processing unit that processes investment for the investment product based on the determined diversified investment candidates and diversified investment amounts

It is characterized by containing.

The present invention includes a program stored in a medium for executing the method according to an embodiment of the present invention in a computer

can do.

The present invention is a computer-readable program that records a program for executing the method according to an embodiment of the present invention in a computer.

It may include a capable recording medium.

So far, the present invention has been described in detail with reference to the preferred embodiments shown in the drawings. these examples

This invention is not intended to be limiting, but is illustrative only, and is intended to be considered in an illustrative rather than a limiting point of view.

should be considered The true technical protection scope of the present invention is not the above description, but the technical spirit of the appended claims

will have to be determined by Although specific terms are used herein, they merely convey the concept of the present invention.

It is used for the purpose of explanation and in order to limit the meaning of the present invention or to limit the scope of the present invention described in the claims

it was not used Therefore, those of ordinary skill in the art to which the present invention pertains can claim in the claims.

Various modifications and equivalent other embodiments are possible without departing from the essential technical spirit of the present invention.

You will understand that you are capable. Equivalents include both currently known equivalents as well as equivalents developed in the future, regardless of structure.

It should be understood to include all components invented to perform the same function.

Hereinafter, preferred embodiments of the present invention are described with reference to the accompanying drawings in order to clarify the technical spirit of the present invention.

to be described in detail. In describing the present invention, detailed description of related known functions or components

If it is determined that this may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. of the drawings

With respect to the components having the qualitatively identical functional configuration, even if they are shown on different drawings, they are the same as possible.

Reference numerals and symbols have been assigned. For convenience of explanation, if necessary, the device and method should be described together.

All.

1 is a block showing the configuration of an automatic distribution investment server performed by an automatic distribution investment server according to an embodiment of the present invention;

It is also 1, the automatic diversification investment server 110 according to an embodiment of the present invention includes a diversification investment setting unit 120, an investment

It includes a product receiving unit 130 , and an investment processing unit 140 .

The automatic diversification investment server 110 performs investment processing to provide diversified investments for a number of investment products to investors.

is a server that The diversified investment setting unit 120 sets the diversified investment deposit amount and diversified investment conditions for each investor, and

The own product receiving unit 130 receives characteristic information of investment products, and the investment processing unit 140 includes the distributed investment setting unit 120 and the investment product.

Based on the information received from the receiving unit 130, the diversified investment hopefuls for each investment product and the corresponding diversified investment hopefuls

Determining the amount of diversified investment for the investment product and processing the investment for the investment product. According to the present invention, the investor

can automatically invest in hundreds or thousands of investment products with a single investment, and diversify investment manually or automatically

By setting conditions, it is possible to compose an optimal investment portfolio.

Figure 2 is a flow showing the flow of the automatic distribution investment method performed by the automatic distribution investment server according to an embodiment of the present invention

It is also Referring to FIG. 2 , the diversified investment setting unit 120 sets the diversified investment deposit amount for each of a plurality of investors.

c (210). In this case, the deposit amount for the diversified investment can be set by receiving it from the outside. For example, if an investor has a diversified investment account

When deposit or withdrawal is made, the balance of the account is received from the bank server and set as the deposit amount

can do. Depending on the embodiment, a part of the account balance may be set as the diversified investment deposit amount by the investor's choice.

have. If part of the diversified investment deposit is invested in investment products, the remaining balance after the investment is reset to the diversified investment deposit amount.

You can also set

The diversification investment setting unit 120 sets diversification investment conditions for each investor ( 220 ). The condition for diversification is the amount of diversified investment.

It may include fixed conditions and conditions for selection of diversified investment products. The conditions for setting the diversified investment amount are for each investment in multiple investment products.

It refers to the condition for dividing the investment amount of a person's diversified investment and setting it as the diversified investment amount for each investment product.

The optional conditions refer to the conditions under which each investor selects investment products to be diversified. For example, the condition for setting the amount of diversified investment is

Set the diversified investment amount per own product (for example, invest 100,000 won for each investment product), or

It may be a condition of setting the ratio of the diversified investment amount (eg, investing 1% of the product amount for each investment product). Diversified investment amount

B The ratio of the diversified investment amount can be set to a certain value or set within a certain range. The conditions for selecting a diversified investment product are

It may include maturity, investment period, yield, risk, and underlying asset.

In an embodiment, the diversification investment setting unit 120 may receive and set diversification investment conditions from each investor's computer.

Here, each investor's computer is a smartphone, tablet computer, laptop computer, or desktop computer of any kind.

includes computers.

In another embodiment, the diversification investment setting unit 120 may directly determine and set diversification investment conditions. For example, dispersion

The self-setting unit 120 sets each investor's diversified investment amount based on each investor's diversified investment deposit amount and the number of investment products.

gun can be set. In this case, the number of investment products may be the number of current or past investment products, and

It may be the number of investment products that are expected to be registered on the automatic distributed investment server. Projects expected to be registered in the future

The number of own products is calculated by the diversified investment setting unit 120 based on statistics on current or past investment products, or

can be received from

The diversified investment setting unit 120 sets each investor's diversified investment deposit amount for an investment expected to be registered for a certain period in the future.

The amount divided by the number of products can be set as the diversified investment amount for each investment product of each investor. For example, if the deposit amount for a diversified investment is 10 million won and 100 investment products are expected in the next one month, you can set up to invest 100,000 won in each investment product.

can

Referring back to FIG. 2 , the investment product receiving unit 130 receives characteristic information of the investment product ( 230 ), and the investment processing unit 140 is distributed

Received by the investment product receiving unit 130, the deposit amount and diversified investment conditions for each investor set by the investment setting unit 120

Based on the characteristic information of one investment product, diversified investors and diversified investment amounts are determined for each investment product (240).

The investment processing unit 140 selects the investor when the characteristic information of the investment product satisfies the investor's diversified investment product selection condition.

It can be determined as a diversified investor in the relevant investment product. The investment processing unit 140 determines that the characteristic information of the investment product is the investor's

The diversification to be applied to the investment product in accordance with the conditions for setting the diversified investment amount of the investor satisfies the conditions for selecting a diversified investment product

If the deposit amount of the diversified investment of the investor is greater than or equal to the investment amount, the investor shall be treated as a diversified investment in the relevant investment product.

You can decide as you wish.

The investment processing unit 140 performs investment processing for the corresponding investment product based on the determined diversified investment candidates and diversified investment amounts.

do (250). Here, the investment treatment means that the determined diversified investor invests the determined diversified investment amount in the product.

The automatic diversification investment server 110 may be internally set (eg, recorded in a database). Automatic distributed investment server

(110) is a bank so that the investment is automatically transferred to the account of the issuer of the investment product (eg, P2P loan applicant) according to the set contents.

Offline by sending a remittance request to the server and outputting the determined investment details to the automatic distributed investment server operator

You can also have them remit your investment.

The investment processing unit 140, when the sum of the determined diversified investment amounts for each investment product exceeds the product amount of the investment product,

After adjusting the determined diversified investors and/or the determined diversified investment amounts, the adjusted diversified prospective investors and diversified investment amount

Investments can be processed according to the amount.

For example, the investment processing unit 140 sets the dispersion investment amounts so that the sum of the dispersion investment amounts is less than or equal to the product amount of the investment product.

After reducing , the investment can be processed according to the reduced diversified investment amount.

As another example, the investment processing unit 140 selects some of the determined diversified investment aspirants, and then, according to the selected diversified

investment can be processed. The method of selecting some of the diversified investors has the same or similar characteristics to the investment product.

It may be to preferentially select investors who have last invested in other investment products with information. here

The same or similar characteristic information means that all or part of the characteristic information is the same or within a certain range.

say For example, the investment processing unit 140 compares the history of investment in investment products with the same maturity and a difference in yield of less than 1%.

Investors who have been investing for a long time can be preferentially selected. As such, it has been a long time since investment in the same and similar products

By allowing investors to invest first, all investors have an equal opportunity to invest.

The investment processing unit 140 may preferentially select an investor with a large diversified investment deposit amount. As such, the diversified investment deposit amount

If this large investor is selected first, the deposit of the investor who has invested a lot of money is diversified into various investment products.

It has the effect of reducing the time required for

The investment processing unit 140 determines whether the investment was last invested in another investment product having the same or similar characteristic information as the corresponding investment product.

The old investors are preferentially selected, and the investment products are sold to other investment products with the same or similar characteristic information.

Among investors with the same last investment history, investors with a large diversified investment deposit can be selected first.

All.

The investment processing unit 140 determines, for each of the determined diversified investment candidates, the determined investment products for the diversified investment wisher to diversify.

If the sum of the diversified investment amounts exceeds the diversified investment deposit amount of the person wishing to diversify, one of the investment products to be diversified.

You can choose wealth to diversify your investments. At this time, the investment processing unit 140 preferentially selects an investment product with a large product amount.

This can shorten the overall investment solicitation period.

According to the present invention, investors' investment can be automatically distributed in many investment products, and investors

As the cycle rotates fairly and the investment period is shortened, each investor's portfolio is divided rapidly at a similar rate.

It is possible to oxidize.

The exemplary structures according to the present invention include program instructions executed by a processor, a software module, a microcode

A computer program recorded in a computer-readable recording medium (including all devices having an information processing function)

It may be implemented in various ways, such as a RAM product, logic circuits, application-specific semiconductors, or firmware. read by the computer

Examples of possible recording media include ROM, RAM, CD, DVD, magnetic tape, hard disk, floppy disk, hard disk, optical data storage device, etc., and also in the form of a carrier wave (eg, transmission over the Internet). It is also implemented as

do In addition, the computer-readable recording medium is distributed in a network-connected computer system and distributed in a distributed manner.

Computer-readable code can be stored and executed.

Claims (21)

In the automatic diversification method performed by the automatic diversification investment server,
setting a diversified investment deposit amount for each of a plurality of investors;
setting diversified investment conditions for each of the plurality of investors;
receiving characteristic information of an investment product;
Based on the deposit amount and diversification investment conditions for each of the plurality of investors, and the characteristic information of the investment product, the
Determining the diversification investment amount for the investment product by those wishing to make a diversified investment in the investment product
determining step; and
Including the step of processing the investment in the investment product based on the determined diversified investment applicants and diversified investment amounts
Automatic diversification investment method, characterized in that. According to claim 1,
The step of setting the diversification investment conditions is,
Automatic diversification investment comprising the step of receiving the diversification investment conditions from each investor's computer
Way. According to claim 1,
The diversification investment condition includes a diversification investment amount setting condition,
The conditions for setting the diversified investment amount are:
For a number of investment products, each investor's diversified investment deposit amount is divided and set as the diversified investment amount for each investment product.
Automatic diversification investment method, characterized in that the condition. 4. The method of claim 3,
The conditions for setting the diversified investment amount are:
Including the diversified investment amount per investment product or the ratio of the diversified investment amount to the total product amount for each investment product.
Automatic diversification investment method with gong. 4. The method of claim 3,
The step of setting diversification investment conditions for each of the plurality of investors,
Setting conditions for each investor's diversified investment amount based on each investor's diversified investment deposit amount and the number of investment products
Automatic diversification investment method comprising the steps. 6. The method of claim 5,
The step of setting diversification investment conditions for each of the plurality of investors,
Gold divided by each investor's diversified investment deposit by the number of investment products expected to be registered for a certain period in the future
Automatic dispersion, characterized in that it comprises the step of setting the amount to the dispersion investment amount per investment product of each investor
How to invest. According to claim 1,
The diversification investment condition includes a diversification investment product selection condition,
The step of determining the diversified investment wishers and the diversified investment amount for the investment product,
An investor whose characteristic information of the investment product satisfies the conditions for selection of a diversified investment product wishes to make a diversified investment in the investment product
Automatic diversification investment method comprising the step of determining with a ruler. 8. The method of claim 7,
The above diversified investment product selection conditions are:
Automatic diversification investment comprising at least one of maturity, investment period, yield, risk, and underlying asset
Way. 4. The method of claim 3,
The diversification investment condition includes a diversification investment product selection condition,
The step of determining the diversified investment wishers and the diversified investment amount for the investment product,
The characteristic information of the investment product satisfies the diversified investment product selection condition, and the investment award according to the diversified investment amount setting condition
Investors with a deposit amount greater than or equal to the amount of diversification investment to be applied to the product, wish to diversify investment in the above investment products
Automatic diversification investment method comprising the step of determining with a ruler. According to claim 1,
The step of processing the investment in the investment product based on the determined diversified investment candidates and the diversified investment amounts,
processing the determined diversified investment aspirants to invest the determined diversified investment amounts in the investment product;
Automatic diversification investment method comprising the. 11. The method of claim 10,
The step of processing the investment in the investment product based on the determined diversified investment candidates and the diversified investment amounts,
When the sum of the determined diversified investment amounts exceeds the product amount of the investment product, the determined diversified investment applicants
and/or adjusting the determined diversification investment amounts. 12. The method of claim 11,
The step of adjusting the determined diversified investment applicants and/or the determined diversified investment amounts,
A certain ratio of the determined diversified investment amounts so that the sum of the diversified investment amounts is less than or equal to the product amount of the investment product.
Automatic diversification investment method comprising the step of reducing to. 12. The method of claim 11,
The step of adjusting the determined diversified investment applicants and/or the determined diversified investment amounts,
Some of the determined diversified investors are selected so that the sum of the diversified investment amounts is less than or equal to the product amount of the investment product.
Automatic diversification investment method comprising the step of selecting. 14. The method of claim 13,
The step of selecting some of the determined diversified investment candidates is,
Investors who have last invested in other investment products with the same or similar characteristic information as the above investment products are preferred.
Automatic diversification investment method comprising the step of selecting by shipment. 15. The method of claim 14,
Other investment products with the same or similar characteristic information as the above investment products,
It is characterized in that all or part of the investment product and the characteristic information are the same or within a certain range.
is an automatic diversification method. 15. The method of claim 14,
The step of selecting some of the determined diversified investment candidates is,
An automatic diversification investment method comprising the step of preferentially selecting an investor with a large deposit amount for diversification.
law. 11. The method of claim 10,
The step of processing the investment in the investment product based on the determined diversified investment candidates and the diversified investment amounts,
For each of the determined aspiring diversification investors, the sum of the diversified investment amounts of the investment products to be diversified by the diversified investor.
If this exceeds the diversified investment deposit amount of the person wishing to invest in diversification, select some of the investment products to be diversified.
Automatic diversification investment method comprising the steps of. 15. The method of claim 14,
The step of selecting some of the investment products to be diversified includes:
An automatic diversification investment method comprising the step of preferentially selecting an investment product with a large product amount. a diversified investment setting unit that sets a diversified investment deposit amount and diversified investment conditions for each of a plurality of investors;
an investment product receiving unit for receiving characteristic information of the investment product; and
Based on the deposit amount and diversification investment conditions for each of the plurality of investors, and the characteristic information of the investment product, the
Determining the diversification investment amount for the investment product by those wishing to make a diversified investment in the investment product
set,
Automatic diversification investment server, characterized in that it comprises an investment processing unit to process the investment in the investment product based on the determined diversified investment wishers and the diversified investment amounts. A computer program stored in a medium for executing the method of any one of claims 1 to 16 in a computer. A computer-readable recording medium in which a program for performing the method of any one of claims 1 to 16 is recorded.