KR20220100439A - Method and apparatus of providing managing service for financial product and system therefor - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing a financial product management service may comprise the following steps of: automatically detecting a financial product requiring fund portfolio rebalancing based on market information analysis data, fund universe data, and risk propensity data of a financial product user; generating a recommended fund portfolio including a type and a ratio of a fund to be recommended for the automatically detected financial product and recommendation basis data of the fund; transmitting the generated recommendation fund portfolio to an automatically detected financial product user terminal; and rebalancing the automatically detected financial product.

Description

Method and apparatus of providing managing service for financial product and system therefor

The present invention relates to a financial product management service, and more particularly, to a method, apparatus, and system for providing post management service using a digital method for previously sold financial products.

Among financial products, there are products in which fund investment is made upon subscription, such as variable insurance, retirement annuity, pension savings, and annuity insurance.

Variable insurance is an insurance product that generates profits by investing a portion of premiums in a fund composed of stocks or bonds, and provides the results to contracted customers. It is done by composing a fund portfolio according to the investment propensity of the company, and it is possible to change the portfolio if the customer wishes. However, in the rapidly changing financial environment, it is not easy for individual investors to conduct market analysis and manage their fund portfolio properly, so the initial setting of the fund portfolio is often neglected. After that, there is a problem in that the rate of return is lowered because it does not respond appropriately to market changes. For example, when setting up a portfolio for the first time, when the market conditions are good, there is a tendency to increase the weight of stocks and lower the weight of bonds. . In addition, although variable insurance is generally followed up by insurance agents after subscription, there is a problem with high dissatisfaction due to insufficient follow-up management as the turnover/retirement rate of insurance solicitors is high enough to exceed 50% within one year.

On the other hand, retirement pensions are operated as a fund like variable insurance, and when profits are generated, they are paid to subscribers in the form of annuities or lump sums. However, it is important to actively manage the reserves invested in the fund to manage profits, but like variable insurance, it is difficult to manage the fund portfolio.

(Prior Art Document 1) Republic of Korea Patent Publication No. 10-2016-0073251 (2016. 6. 24.)

(Prior Art Document 2) Republic of Korea Patent Publication No. 10-1693569 (2017. 1. 2.)

In order to solve the above problems or difficulties, one object of the present invention is to provide a method of providing a post-management service using a digital method for pre-sold financial products.

Another task of the present invention is to provide customers with one product, one fund that does not need to select a separate fund management method when subscribing to financial products, thereby improving the rate of return on financial products, and providing digital financial products for resale to financial companies. It is to provide a post-management service platform based on the method to attract customers and reduce labor costs according to the improvement of profitability.

Another object of the present invention is to provide a recording medium, an apparatus and a service system related to the above method.

The technical problems to be achieved in the present invention are not limited to the above technical problems, and other technical problems not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the following description.

A method for providing a financial product management service according to an embodiment of the present invention for solving the above-mentioned problems is a financial product requiring rebalancing of a fund portfolio based on market information analysis data, fund universe data, and risk propensity data of financial product users. automatically detecting; generating a recommended fund portfolio including the type and ratio of a fund to be recommended for the automatically detected financial product, and data based on recommendation of the fund; transmitting the generated recommended fund portfolio to the automatically detected financial product user terminal; and rebalancing the automatically detected financial products.

According to the method of providing a financial product management service according to an embodiment of the present invention, the financial product may be a financial product for which a fund management method is not previously defined.

According to the method of providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio is the actual rate of return that is the operation result of the financial product from a specific point in the past to the present. The difference between the simulation result of the return according to the AI-based recommendation fund operation for the period and the first threshold may be greater than the first threshold.

According to the method of providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio has a second rate of return during a predefined period among financial products of non-subscribers of the management service. It may include financial products that are below the threshold.

According to the method of providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio is determined at the time of determining whether periodic fund portfolio rebalancing is required among the financial products of the management service subscriber. It may include at least one of the arrived financial product and the financial product in which the average rate of return before the determination time or for a predetermined period has decreased by more than a third threshold.

A financial product management service providing system according to an embodiment of the present invention includes a financial product user terminal; and a server including a database and a processor; wherein the processor automatically detects financial products requiring rebalancing of a fund portfolio based on market information analysis data, fund universe data, and risk propensity data of financial product users, A recommended fund portfolio is generated including the type and ratio of a fund to be recommended for the automatically detected financial product and data based on the recommendation of the fund, and the generated recommended fund portfolio is used for the automatically detected financial product. It is transmitted to the user terminal, and the automatically detected financial product can be rebalanced.

According to the system for providing a financial product management service according to an embodiment of the present invention, the financial product may be a financial product for which a fund management method is not previously defined.

According to the system for providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio is the actual rate of return that is the operation result of the financial product from a specific point in the past to the present. The difference between the simulation result of the return according to the AI-based recommendation fund operation for the period and the first threshold may be greater than the first threshold.

According to the system for providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio has a second rate of return during a predefined period among the financial products of the non-subscriber of the management service. It may include financial products that are below the threshold.

According to the system for providing a financial product management service according to an embodiment of the present invention, the automatically detected financial product requiring rebalancing of the fund portfolio is determined at the time of determining whether periodic fund portfolio rebalancing is required among the financial products of the management service subscriber. It may include at least one of the arrived financial product and the financial product in which the average rate of return before the determination time or for a predetermined period has decreased by more than a third threshold.

An apparatus for providing a financial product management service according to an embodiment of the present invention includes: a memory; and a processor, wherein the processor automatically detects financial products requiring rebalancing of a fund portfolio based on market information analysis data, fund universe data, and risk propensity data of financial product users, and the automatically detected generating a recommended fund portfolio including the type and ratio of a fund to be recommended for a financial product and data based on recommendation of the fund, and transmitting the generated recommended fund portfolio to a user terminal of the automatically detected financial product; It is possible to rebalance the automatically detected financial products.

A recording medium in which a program for executing the above-described method for providing a financial product management service according to an embodiment of the present invention is recorded.

According to the present invention as described above, the effects described below can be obtained. However, the effect obtainable through the present invention is not limited thereto.

First, there is an effect that can provide a method of providing post-management service using a digital method for pre-sold financial products.

Second, when subscribing to financial products, customers are provided with one product, one fund that does not require a separate fund management method to improve the rate of return on financial products, and digital after-sales service for financial products pre-sold to financial companies By providing a platform, it has the effect of attracting customers and saving labor costs according to the improvement of profitability.

Third, it is possible to provide a recording medium, an apparatus, and a service system related to the above method.

1 is a schematic diagram of a financial product follow-up management service system according to an embodiment of the present invention.
2 is a block diagram of a server according to an embodiment of the present invention.
3 is a block diagram of a control unit in the server of FIG. 2 .
4 is a block diagram illustrating the configuration of the simulation unit in the server of FIG. 2 .
5 is a user interface for a recommended fund list and weight information generated by a server and provided to a customer terminal according to an embodiment of the present invention.
6 is a user interface including a recommendation basis related to a corresponding recommendation together with a recommended fund list and ratio information generated by a server and provided to a customer terminal according to an embodiment of the present invention.
7 is a user interface related to notification information on whether or not rebalancing of a corresponding contract is required, which is generated by a server and provided to a customer terminal according to an embodiment of the present invention, or a list and ratio of recommended funds.
8 is a user interface related to the reception of an automatic re-ban lancing notification generated by a server and provided to a customer terminal according to an embodiment of the present invention.
9 is a user interface related to review information on global (or domestic) market conditions on a regular/irregular basis to a customer as one of customer follow-up management generated by a server and provided to a customer terminal according to an embodiment of the present invention.
10 is a flowchart illustrating a method for providing a financial product management service according to an embodiment of the present invention.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. DETAILED DESCRIPTION The detailed description set forth below in conjunction with the appended drawings is intended to describe exemplary embodiments of the present invention and is not intended to represent the only embodiments in which the present invention may be practiced.

Only the present embodiments are provided so that the disclosure of the present invention is complete, and the scope of the invention to those of ordinary skill in the art to which the present invention belongs, is provided, and the present invention is to be defined by the scope of the claims. only

In some cases, in order to avoid obscuring the concept of the present invention, well-known structures and devices may be omitted or shown in block diagram form focusing on core functions of each structure and device. In addition, the same reference numerals are used to describe the same components throughout this specification.

Throughout the specification, when a part is said to "comprising or including" a certain component, it does not exclude other components unless otherwise stated, meaning that other components may be further included. do.

In addition, the term "unit" described in the specification means a unit for processing at least one function or operation, which may be implemented as hardware or software or a combination of hardware and software. Furthermore, "a or an", "one", and like related terms in the context of describing the present invention are used in both the singular and the plural unless otherwise indicated herein or otherwise clearly contradicted by the context. may be used in the meaning of including

In addition, specific terms used in the embodiments of the present invention are provided to help the understanding of the present invention, and unless otherwise defined, all terms used herein, including technical or scientific terms, refer to the present invention. It has the same meaning as commonly understood by those of ordinary skill in the art to which it belongs. The use of these specific terms may be changed to other forms without departing from the technical spirit of the present invention.

The present specification provides a method, an apparatus, and a system for providing a post-management service using a digital method for pre-sold financial products according to various embodiments of the present disclosure.

Hereinafter, the financial product described in this specification may be a product for which a fund investment is basically made upon subscription or a 1 Product 1 Fund that does not require the customer to select a separate fund management method. Such financial products may include, for example, variable insurance, retirement annuity, pension savings, annuity insurance, and the like. However, the scope of the present invention is not necessarily limited thereto.

Meanwhile, the financial institution that sold the financial product may continue to manage the sold financial product and provide related services through the post management service platform to which the digital method is applied according to the present invention.

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

1 is a schematic diagram of a financial product follow-up management service system 1 according to an embodiment of the present invention.

Referring to FIG. 1 , a service system 1 according to an embodiment of the present invention may include a customer terminal 10 and a server 20 .

For better understanding of the present invention and convenience of description, the customer terminal 10 is illustrated and described in the singular in FIG. 1 , but is not limited thereto and may be plural. Hereinafter, when only 'terminal' or 'customer terminal' is described in this specification, it has a singular meaning, but may have a plural meaning depending on the context. On the other hand, when there are a plurality of customer terminals, it is not necessary for all customer terminals to communicate with the server 20 using the same type, type, form, or the like, or the same communication network.

According to an embodiment, although not shown, the financial product follow-up management service system 1 according to the present invention may be implemented by further including one or more components.

Meanwhile, the components belonging to the financial product follow-up management service system 1, that is, communication or data transmission/reception (hereinafter, 'data communication') between the customer terminal 10 and the server 20 are performed through a wired/wireless communication network. .

When subscribing to a financial product, the customer terminal 10 may receive various information including personal information required for subscription, and transmit it to the server 20 . In relation to the input, the customer terminal 10 may include at least one of a touch pad or a touch screen for receiving a touch input, a microphone for receiving a voice input, and an image sensor such as a camera for recognizing a gesture.

The customer terminal 10 may receive the financial product follow-up management service provided by the server 20 after subscribing to the financial product and provide it to the customer. In order to provide the after-sales service to the customer, the customer terminal 10 may include a screen, a speaker, and the like.

The customer terminal 10 may download and install software such as a financial product follow-up management service application or program provided by the server 20 in advance. The customer terminal 10 may include a related application program interface (API) or embedded software. For example, data related to a financial product post management service is processed through an API of the customer terminal 10 or an application including embedded software. However, the present invention is not limited thereto.

The customer terminal 10 may provide a related execution screen or service data to the customer through the execution of the application for the financial product subscription and post management service provided by the server 20 .

According to an embodiment, the financial product subscription and follow-up management service provided by the server 20 may be provided to the customer terminal 10 in the form of a web-based service.

According to an embodiment, data related to a financial product subscription and/or financial product follow-up management service includes at least one of other applications installed or previously executed in the customer terminal 10, for example, a messenger application or a social media application, and the like. It can be processed in conjunction.

The customer terminal 10 includes not only fixed terminals such as TV, PC, and digital signage, but also mobile terminals such as mobile phones, smart phones, notebook computers, and tablet PCs, including the server 20 and financial product subscription and It may include any type of device capable of data communication related to the after-sales service. According to an embodiment, the customer terminal 10 may be a dedicated terminal for the financial product follow-up management service according to the present invention.

On the other hand, as the customer terminal 10, a terminal device, a terminal (Terminal), MS (Mobile Station), MSS (Mobile Subscriber Station), SS (Subscriber Station), AMS (Advanced Mobile Station), WT (Wireless terminal), MTC Any one of a (Machine-Type Communication) device, a Machine-to-Machine (M2M) device, and a Device-to-Device (D2D) device may be used as an embodiment.

Of course, this is only an example, and the terminal in the present invention should be interpreted as a concept including all devices capable of transmitting data or signals that have been developed and commercialized or will be developed in the future in addition to the above-described examples.

Next, the server 20 is an entity capable of performing data communication with the customer terminal 10 through a wired/wireless communication network and data communication regarding financial product subscription and follow-up management service, and provides a financial product post-management service platform. It performs functions such as creation, storage, and transmission of follow-up management service data and control data of financial products subscribed by customers.

The server 20 may have a built-in or external database (DB) that collects, processes, stores, etc. necessary data/big data for post management service of financial products subscribed by customers. According to an embodiment, the number of databases DB included in or connected to the server 20 may be plural.

Server 20, cloud (Cloud) server, IMS (IP Multimedia Subsystem) server, telephony application (Telephony Application) server, IM (Instant Messaging) server, MGCF (Media Gateway Control Function) server, MSG (Messaging Gateway) server , a Call Session Control Function (CSCF) server, etc. may be used as an embodiment.

The wired/wireless communication network refers to a data communication network supporting data communication for a financial product follow-up management service between the customer terminal 10 and the server 20 , and the type thereof is not particularly limited. For example, the wired/wireless communication network may be an IP (Internet Protocol) network supporting large-capacity data communication through Internet Protocol (IP) or an All IP network integrating different IP networks. . In addition, the wired / wireless communication network includes a wired network, a Wibro (Wireless Broadband) network, a mobile communication network including WCDMA, a High Speed Downlink Packet Access (HSDPA) network, and a Long Term Evolution (LTE) network including a mobile communication network, LTE advanced (LTE-A) including a mobile communication network, satellite communication network, and Wi-Fi (Wi-Fi) network, or may be formed by a combination of at least one or more of them.

2 is a block diagram of a server 20 according to an embodiment of the present invention. 3 is a block diagram of the control unit 260 in the server 20 of FIG. 2 . 4 is a configuration block diagram of the simulation unit 250 in the server 20 of FIG. 2 . 5 is a user interface for a recommended fund list and weight information generated by the server 20 and provided to the customer terminal 10 according to an embodiment of the present invention. 6 is a user interface including a recommendation basis related to the recommendation together with a recommended fund list and ratio information generated by the server 20 and provided to the customer terminal 10 according to an embodiment of the present invention. 7 is a user interface related to notification information on whether or not rebalancing of a corresponding contract is required or not, a list of recommended funds, and a ratio, which is generated by the server 20 and provided to the customer terminal 10 according to an embodiment of the present invention. FIG. 8 is a user interface related to receiving an automatic reban lancing notification generated by the server 20 and provided to the customer terminal 10 according to an embodiment of the present invention. 9 is one of customer follow-up management generated by the server 20 and provided to the customer terminal 10 according to an embodiment of the present invention, and is periodically/irregularly review information on the global (or domestic) market situation to the customer. about the user interface.

In FIG. 2, a detailed configuration block diagram of the server 20 of FIG. 1 that provides post-management service for financial products according to the present invention is shown. According to an embodiment, the block diagram of FIG. 2 may be a block diagram of the customer terminal 10 of FIG. 1 instead of the server 20 . According to an embodiment, some of the components shown in FIG. 2 may be implemented in a way that the server 20 and the rest are provided in the customer terminal 10 . However, in the present specification, for the purpose of helping the understanding of the present invention and for convenience of description, FIG. 2 is illustrated as a block diagram of the server 20 .

According to an embodiment, the customer terminal 10 may receive the financial product follow-up management service according to the present invention through a messenger, an application, or a web-based user interface. The customer terminal 10 can receive a new fund portfolio recommendation service recommended by artificial intelligence or robo-advisor when it is necessary to change the portfolio of the fund according to the judgment of the server 20, and check the recommendation result and provide feedback immediately. You can make a new fund portfolio, i.e. a fund change.

In order to solve a user's curiosity regarding a reason or basis for recommending a fund, which will be described later, the server 20 may provide reason data for recommending a fund.

Meanwhile, when a fund portfolio change is required by the server 20 at the time of changing the fund portfolio, a fund recommendation service may be provided from the customer terminal 10 from time to time, or may be regularly provided by setting to receive a change notification on a regular basis. This can be set through the fund rebalancing method setting.

The server 20 may automatically detect whether a contract requiring fund portfolio rebalancing in units of financial products, for example, variable insurance contracts, and may provide a notification service to the customer terminal 10 . . According to an embodiment, the method of finding a contract requiring rebalancing may be a method of finding a customer having a low rate of return among customers who do not subscribe to a financial product follow-up management service. According to an embodiment, the method of finding a contract requiring rebalancing is a method of sending a rebalancing notification to customers who have subscribed to the financial product follow-up management service when it is necessary to redistribute funds to the customers. Meanwhile, the server 20 may provide a service of regularly sending information on various market issues to the customer terminal 10 in order to continuously care for customers. Although not shown, the server 20 includes a robo-advisor that automatically provides a fund recommendation, a market report selector that provides a basis for a fund recommendation, and a robo-advisor from a specific point in the past to the present in order to provide the above-described follow-up management service. It may include a simulation unit (or backtester) that simulates the customer's return when applying the fund portfolio provided by .

The server 20 according to an embodiment of the present invention may include a memory and a processor. In this case, the memory may include a database (DB) 270 , and the processor includes a communication unit 210 , a market analysis unit 220 , a fund selection & weight determination unit 230 , a fund processing unit 240 , and a simulation unit ( 250), the control unit 260, and the like.

The communication unit 210 provides an interfacing environment for communication with the customer terminal 10 and/or the external Internet, and may receive or collect various data. The communication unit 210 may receive information when subscribing to a financial product from the customer terminal 10 . The communication unit 210 may collect data related to the financial product post management service from one or more sources such as the external Internet or an external database.

The market analysis unit 220 may analyze various source data related to market conditions collected from external sources through the communication unit 210 , generate market analysis result data, and store the data in the database (DB) 270 .

According to an embodiment, the market analysis unit 220 may include a fund universe of financial products subscribed by a customer of a specific customer terminal 10 from various source data related to market conditions collected from external sources through the communication unit 210 ( fund universe) information, it is possible to classify and analyze the relevant market situation data, generate customized market analysis result data, and store it in the database (DB) 270 .

The fund selection & weight determination unit 230 generates fund list data by selecting at least one fund from among the funds in the fund universe of the financial products subscribed by the customer, and includes at least one fund included in the generated fund list data. determine the importance According to an embodiment, the fund selection & weight determination unit 230 may refer to the market analysis result data of the market analysis unit 220 to select a fund and/or determine the weight of the selected fund. According to an embodiment, the fund selection and/or the weight determination of the selected fund by the fund selection & weight determining unit 230 is reflected not only in the initial financial products subscribed by the customer, but also in the rebalancing fund portfolio thereafter.

The fund processing unit 240 may generate, process, transmit, and the like, fund recommendation, fund recommendation reason, and fund change and related alarm data in the rebalancing process after the initial portfolio creation of financial products subscribed by the customer. .

The fund processing unit 240 may generate a recommended fund list for a product (or contract) detected as requiring fund portfolio rebalancing by the control unit 260 , and may provide it to the customer terminal 10 of the product. According to an embodiment, the generation of the recommended fund list may be performed automatically. According to an embodiment, as described above, the recommended fund list may be selected from within the fund universe of a corresponding product based on market analysis result data. In this case, the fund universe may be composed of public offering funds managed by financial institutions for each financial product, and one set may be composed of about 20 to 1000 funds in general. According to an embodiment, the fund recommendation may be made by a roboadvisor. For the description related to the robo-advisor, refer to the known technology, and a separate detailed description of its configuration and the like will be omitted in this specification. According to an embodiment, the fund processing unit 240 may generate a recommended fund list based on at least one of market analysis result data, fund universe information, daily fund price information, and the like. According to an embodiment, the fund processing unit 240 lists one or more funds that match well with the market analysis result data of the market analysis unit 220 in the fund universe of the corresponding financial product to create a recommended fund list, and The weight of each fund included in the list of recommended funds prepared for the product may be determined. According to the embodiment, the fund processing unit 240 provides a list of recommended funds including the fund combination that best matches the market analysis result data of the market analysis unit 220 in the fund universe of the corresponding financial product and the determined weight of each fund in the combination. can write The fund processing unit 240 may refer to the investment propensity or risk propensity of the customer when subscribing to the corresponding financial product in relation to the fund recommendation in each of the above-described embodiments. The fund processing unit 240 may store the generated recommended fund list and weight determination information in the database (DB) 270 . According to an exemplary embodiment, the fund processing unit 240 may store the list of recommended funds generated by date created in the past and history information on weight determination information together with the information. According to an embodiment, the recommended fund list of the fund processing unit 240 may include at least one fund or change information of the fund weight among the list of funds included in the previous portfolio and the weight of each fund. In other words, the recommended fund list may indicate at least one fund change or/and a fund weight change.

As one of the financial product follow-up management services, the recommended fund list and weight information generated by the server 20 and provided to the customer terminal 10 may be provided in the form of a user interface as shown in FIG. 5 . Referring to FIG. 5A , a newly recommended fund portfolio compared to the previous fund portfolio is shown. In (b) of FIG. 5 , a detailed screen of the fund list of the recommended fund portfolio and the recommended ratio with respect to the weight of each fund is shown. For convenience, the recommended fund portfolio of FIG. 5 exemplifies that there is no change in the fund in the fund list included in the previous fund portfolio and only the weight of each fund is changed, but the present invention is not limited thereto. Depending on the embodiment, although not shown, there may exist a case in which the same number of funds, the proportion of funds, or the type or combination of funds are different. On the other hand, in (b) of FIG. 5, the current weight of each fund set in the previously created fund portfolio and the recommended fund weight provided by artificial intelligence or robo-advisor are provided together so that the degree of change in the fund weight can be intuitively identified. You can configure the user interface. In addition, as shown in (b) of FIG. 5 , the user interface may be provided by grouping a fund with an increased weight as opposed to a fund with a reduced weight recommended compared to the current weight. Alternatively, although not shown, the user interface may provide a list of funds in ascending or descending order of current weight or weight recommended by artificial intelligence or robo-advisor. In addition, although not shown, the user interface can be configured to arbitrarily adjust the AI or robo-advisor recommendation ratio of each fund item shown in FIG. Accordingly, the recommendation ratio of at least one other fund item may be automatically adjusted according to the priority. In this case, for the convenience of adjusting the recommendation ratio of the customer terminal 10 , it is also possible to provide the contents of the expected return according to the change of the fund ratio. Referring to (b) of FIG. 5 , as described above, it is possible to change the access and recommendation ratio for each fund item, and at the bottom of the user interface, a batch change application item for the recommended fund is provided, and the recommended ratio provided when selected to each of the changed recommendation ratios may be collectively applied. In addition, although not shown, the description related to the change of the recommendation ratio may be applied and changed in the same or similar manner to the fund. On the other hand, in FIG. 5(b), when each fund item is selected as a unit, although not shown, the recommended ratio change item, the rate of return according to the current rate, the rate of return according to the recommendation rate, and the fund recommendation basis ((b) of FIG. ) to (c)) may be provided in a pop-up form.

As described above, the fund processing unit 240 may provide a recommendation basis related to the recommendation together with the recommended fund list and ratio information. Referring to FIG. 6A , a new fund portfolio including a list of recommended funds and the weight (or ratio) of each fund is shown, and in FIGS. 6B and 6C , the new fund A rationale or reason for portfolio composition may be provided. Referring to FIG. 6B , items related to market views such as positive, neutral, and negative of the market and recommended weights for each investment asset group are shown. In FIG. 6C , text information, image information, and related article link information may be provided as a basis for FIG. 6B . According to an embodiment, (c) of FIG. 6 may be provided in a pop-up form when a specific item is selected in (b) of FIG. 6 . According to an embodiment, (c) of FIG. 6 may be provided by being divided into summary information and detailed information of a core keyword unit according to selection or setting. The server 20 separately stores and learns keywords, paragraphs, articles, etc. bookmarked by the customer terminal 10 in FIG. It can be used as a reference for portfolio creation. In some embodiments, the above-described fund recommendation reason may provide a qualitative basis for the determined fund portfolio. In this case, the fund processing unit 240 may refer to summary information on market trends and a market analysis report supporting the summary information. The market analysis report can be selected from market review reports prepared by analysts, etc., and the report that best describes the selected fund portfolio can be selected. In this case, the fund processing unit 240 may generate a market score in the process of generating a fund portfolio by a selection method, and the generated market score includes a combination of bonds/stocks, domestic/developed countries/emerging countries, etc. Forecast information (positive/neutral/negative) of the financial market (refer to (b) of FIG. 6) may be included. The market summary information and market review report may be selected using the market score and fund portfolio information. According to an embodiment, the market summary information includes positive/neutral/negative information for each market segment on developed country stocks, emerging country stocks, domestic stocks, developed country bonds, domestic bonds, overseas high-yield bonds, etc., and funds incorporated for each market segment. and specific gravity information may be provided. On the other hand, the market review report may provide information on major market trends for each market segment. Original information of this trend is provided by experts such as analysts, but the fund processing unit 240 provides customer information among a plurality of original reports. You can select and provide only the reports that best describe your portfolio. According to an exemplary embodiment, when registering the market review report, the fund processing unit 240 may also register a classification tag of the report to enable report selection. The above classification tag includes country name (Korea/US/China, etc.), economic development stage (developed/emerging country), asset type (stock/bond), sentiment (positive/neutral/negative), relevance (0~100%) ), importance (0-100%), etc. can be registered together so that an appropriate report can be selected.

The fund processing unit 240 applies the confirmation, correction or change of the new fund portfolio to the corresponding financial product through the batch change application item as shown in FIG. Changes can be processed to be applied instead of .

Meanwhile, a notification function may be provided to the customer terminal 10 according to the control of the control unit 260 for every operation performed by the fund processing unit 240 .

The simulation unit 250 may calculate a simulation result for a return or reserve for a fund included in the fund portfolio. Referring to FIG. 3 , the control unit 260 may include a low-yield customer selection unit 310 . The low-yield customer selector 310 may be a method for inducing a customer who has a low-yield (eg, lower than a threshold) contract among the customer's contracts for a financial product to subscribe to a financial product follow-up management service. The above process, that is, the simulation unit 250 may function to detect a contract with a low yield. Referring to FIG. 4 , the simulation unit 250 may include a reserve amount calculation unit 410 and a yield calculation unit 420 . Therefore, the simulation unit 250, for example, from a specific point in time (for example, one year ago) to the current reserve (for example, daily) and the fund management method by artificial intelligence or robo-advisor within the corresponding period, That is, it is possible to calculate each of the reserve funds when the recommended fund and the determination ratio are applied. The simulation unit 250 may calculate a rate of return of the corresponding contract from the calculated daily reserve. Therefore, the simulation unit 250 compares the calculated reserves or yields with each other (determining whether or not it is less than a threshold), and provides notification information on whether the contract needs rebalancing as shown in FIG. 7 or a new fund portfolio including a recommended fund list and ratio. can provide According to an embodiment, according to the simulation result of the simulation unit 250 , the controller 260 , which will be described later, may control the occurrence of a rebalancing trigger of a corresponding contract or financial product.

The controller 260 is involved in overall control of the operation of the server 20 and may perform necessary control for each component in the process. Referring to FIG. 3 , the control unit 260 may include at least one of the aforementioned low-yield customer selection unit 310 , a fund rebalancing trigger 320 , and a global issue selection unit 330 .

The fund rebalancing trigger 320 may generate a trigger to perform fund rebalancing by sending a notification to customers when a fund change is required. Fund rebalancing refers to the process of changing to a newly recommended fund portfolio. Here, the selection of the customer who needs to change the fund can be done regularly or frequently. For example, the selection of the customer is performed by rebalancing regularly every 3 months or by checking market fluctuations and recommending a fund change on an irregular basis if necessary. A rebalancing trigger can be generated for In relation to this, in FIG. 8, a user interface related to receiving an automatic reban lancing notification according to the present invention is shown.

The global issue selection unit 330 may provide review information on the global (or domestic) market situation on a regular/irregular basis to the customer as one of customer follow-up management. A related user interface is shown in FIG. 9 . According to an embodiment, a notification service related to a global issue may be provided in a contract unit or a customer unit. FIG. 9(a) shows a notification service related to a single contract, and FIG. 9(b) shows a notification service related to multiple contracts. Meanwhile, in FIG. 9C , information including text, image, video, audio, link information, etc. related to global issues may be provided. As described above, (c) of FIG. 9 may also be provided in the form of summary information and detailed information. According to an embodiment, the global issue selection unit 330 may learn this according to the feedback of the customer terminal 10 for the provided notification service and refer to the global issue selection. According to an embodiment, the global issue selection unit 330 may learn this according to the feedback of the customer terminal 10 for the provided notification service and refer to the fund portfolio creation including the fund list and the ratio of each fund. have.

The controller 260 may control the notification service related to the result of performing the function of each component while performing the above-described process in the server 20 . The notification message may be sequentially transmitted after being stored in the database (DB) 270 . The channel of the notification service may include push, SMS, messenger notification, and the like. According to an embodiment, the notification service may be performed in conjunction with a notification service of another application of the customer terminal. The notification service described herein may include text, image, video, graph, audio, and the like. The controller 260 may control the notification service according to the setting of whether to transmit the notification of the customer terminal 10 . According to an embodiment, the control unit 260 may change the notification service on/off in the customer terminal 10 on a per contract basis.

The database (DB) 270 may temporarily store data classified, collected, generated, processed, etc. by each component in the server 20 in the above-described process. According to an embodiment, the database (DB) 270 stores data by classifying it according to the customer terminal 10, customer, contract, age, gender, region, participation or interest in financial product follow-up management service, similarity of fund portfolio, etc. can

10 is a flowchart illustrating a method for providing a financial product management service according to an embodiment of the present invention.

10 is described in terms of the server 20 for convenience of description, but is not necessarily limited thereto. Accordingly, although not shown, a method of providing a financial product management service from the perspective of the customer terminal 10 rather than the server 20 may also be described with reference to FIG. 10 .

Based on the market information analysis data, the fund universe data, and the risk propensity data of financial product users, it is possible to automatically detect a financial product requiring rebalancing of the fund portfolio ( S101 ).

A recommended fund portfolio including the type and ratio of a fund to be recommended for the automatically detected financial product and data based on the fund's recommendation may be generated ( S102 ).

The generated recommended fund portfolio may be transmitted to the automatically detected financial product customer terminal 10 (S103).

It is possible to rebalance the automatically detected financial products (S104).

According to an embodiment, the financial product may be a financial product in which a fund management method is not previously defined.

According to the embodiment, the financial products that require rebalancing of the fund portfolio that are automatically detected include the actual yield, which is the management result from a specific point in the past to the present, for the financial product and the AI-based recommendation fund management for the period. The difference between the yield simulation results may be greater than or equal to the first threshold.

According to an embodiment, the automatically detected financial product requiring rebalancing of the fund portfolio may include a financial product having a return rate less than the second threshold value for a predefined period among financial products of the non-subscriber of the management service.

According to an embodiment, the automatically detected financial products requiring rebalancing of the fund portfolio include financial products for which a time has come to determine whether periodic fund portfolio rebalancing is required among the financial products of the management service subscriber, and before or before the determination time. It may include at least one of financial products in which the average return for a predetermined period has decreased by more than a third threshold.

On the other hand, some parts of the order of the above drawings may be applied differently or may be applied simultaneously depending on the embodiment.

Meanwhile, the above-described method can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable medium. In addition, the structure of the data used in the above method may be recorded in a computer-readable medium through various means. A computer readable medium storing executable computer code for performing various methods of the present invention includes a magnetic storage medium (eg, ROM, floppy disk, hard disk, etc.), an optically readable medium (eg, CD-ROM, DVD). storage media, such as).

Those of ordinary skill in the art related to the embodiments of the present invention will understand that it may be implemented in a modified form within a range that does not depart from the essential characteristics of the description. Therefore, the disclosed methods are to be considered in an illustrative and not a restrictive sense. The scope of the present invention is indicated in the claims rather than in the detailed description of the invention, and all differences within the scope equivalent thereto should be construed as being included in the scope of the present invention.

Claims (12)

In the method of providing management service for financial products,
automatically detecting financial products requiring rebalancing of a fund portfolio based on market information analysis data, fund universe data, and risk propensity data of financial product users;
generating a recommended fund portfolio including the type and ratio of a fund to be recommended for the automatically detected financial product, and data based on recommendation of the fund;
transmitting the generated recommended fund portfolio to the automatically detected financial product user terminal; and
Including; rebalancing the automatically detected financial product.
How to provide financial product management services. According to claim 1,
The financial products are
A financial product whose fund management method is not defined in advance,
How to provide financial product management services. According to claim 1,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
The difference between the actual return, which is the result of the operation from a specific point in the past to the present, for the financial product and the simulation result of the return based on the artificial intelligence-based recommended fund operation for the period is greater than or equal to the first threshold,
How to provide financial product management services. According to claim 1,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
Among the financial products of the non-subscriber of the management service, the financial product includes a financial product whose rate of return is less than a second threshold for a predefined period,
How to provide financial product management services. According to claim 1,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
Including at least one of financial products for which a time has come to determine whether periodic fund portfolio rebalancing is necessary among financial products of the management service subscriber, and financial products for which the average return rate before the determination time or for a predetermined period has decreased by more than a third threshold,
How to provide financial product management services. In the management service providing system for financial products,
financial product user terminal; and
a server including a database and a processor; including,
The processor is
Automatically detects financial products that require fund portfolio rebalancing based on market information analysis data, fund universe data, and risk propensity data of financial product users;
By creating a recommended fund portfolio including the type and ratio of a fund to be recommended for the automatically detected financial product, and data based on the fund's recommendation,
Transmitting the generated recommended fund portfolio to the user terminal of the automatically detected financial product,
rebalancing the automatically detected financial products,
Financial product management service provision system. 7. The method of claim 6,
The financial products are
A financial product whose fund management method is not defined in advance,
Financial product management service provision system. 7. The method of claim 6,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
The difference between the actual return, which is the result of the operation from a specific point in the past to the present, for the financial product and the simulation result of the return based on the artificial intelligence-based recommended fund operation for the period is greater than or equal to the first threshold,
Financial product management service provision system. 7. The method of claim 6,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
Among the financial products of the non-subscriber of the management service, the financial product includes a financial product whose rate of return is less than a second threshold for a predefined period,
Financial product management service provision system. 7. The method of claim 6,
The financial products that require rebalancing of the fund portfolio that are automatically detected above are:
Including at least one of financial products for which a time has come to determine whether periodic fund portfolio rebalancing is necessary among financial products of the management service subscriber, and financial products whose average return has decreased by more than a third threshold before the determination time or for a predetermined period,
Financial product management service provision system. Memory; and
including a processor;
The processor is
Automatically detects financial products that require fund portfolio rebalancing based on market information analysis data, fund universe data, and risk propensity data of financial product users;
By creating a recommended fund portfolio including the type and ratio of a fund to be recommended for the automatically detected financial product, and data based on the fund's recommendation,
Transmitting the generated recommended fund portfolio to the user terminal of the automatically detected financial product,
rebalancing the automatically detected financial products,
Financial product management service providing device. A recording medium on which a program for executing at least one method of any one of claims 1 to 5 is recorded.

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