KR20220113901A - Providing method for multi-asset portfolio platform and system thereof - Google Patents

Abstract

Disclosed are a method and a system for providing a platform for a multi-asset portfolio. The method for providing a platform for a multi-asset portfolio, includes: a step in which a system for providing a platform for a multi-asset portfolio specifies a final multi-asset portfolio including asset information including different types of assets for a customer and a trading condition for each of the assets; and a step in which the system for providing a platform for a multi-asset portfolio collectively trades the assets included in the final multi-asset portfolio based on the trading condition for each of the assets in response to a collective trading request outputted from a terminal of the customer. The step, in which the system collectively trades the assets included in the final multi-asset portfolio based on the trading condition for each of the assets in response to the collective trading request outputted from the terminal of the customer, includes a step in which the system for providing a platform for a multi-asset portfolio collectively trades the assets in accordance with scheduling information determined in a predetermined manner based on the type of the multi-asset portfolio and the trading condition, wherein the scheduling information includes information about trading priorities between the types of the assets. Therefore, the present invention is capable of facilitating a customized consultation service suitable for a situation of a customer.

Description

A method for providing a platform for a multi-asset portfolio and a system thereof

The present invention relates to a method and system for receiving advice on a portfolio with multi-asset including heterogeneous assets, that is, an asset, and allowing a customer to utilize it.

More specifically, it relates to a method and system for providing an advisory platform for a multi-asset portfolio, while providing an advisory platform for collective trading and multiple types of portfolios.

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

These advisory services often provide a diversification strategy by composing a portfolio of multiple financial products rather than recommending trading for a single financial product (eg, stocks, bonds, etc.).

Proposers (such as investment advisors, asset advisors or management managers of financial companies, or automated robo-advisors) provide services that provide such portfolios, i.e., model portfolios, to clients being consulted. In this case, when only one type of asset (hereinafter, an asset) exists in the model portfolio, it is possible to collectively trade the assets included in the model portfolio, which is convenient for customers or financial companies.

However, in addition to constructing the same type of asset as an investment target of multiple model portfolios (e.g., domestic stock A, domestic stock B, domestic stock C or over-the-counter receivables A, over-the-counter receivables B, over-the-counter receivables C, etc.) , Recently, there has been a growing need to construct completely different types of assets, that is, heterogeneous assets, as investment targets (eg, domestic stocks A, over-the-counter bonds A, fund A, ELS A, etc.) in one model portfolio.

As such, a model portfolio including heterogeneous assets is defined as a multi-asset portfolio in the present specification.

In the case of such a multi-asset portfolio, the information or conditions required for trading for each asset are diverse, and therefore, collective trading is not performed. For example, in the case of stocks, the trading (order) conditions that must be specified at the time of trading (eg, type of stock order, price, etc.) and the trading (order) conditions that must be specified during the trading of ELS (eg, subscription period, etc.) are different. The trading (order) conditions (eg, public interest rate and public announcement, etc.) that must be specified are different from each other.

For these practical reasons, in the case of a multi-asset portfolio, it is not possible to perform a single transaction, that is, trading all assets in a single transaction, and it is necessary to conduct individual trading for each investment target, that is, the number of constituent assets, which is very important for investment return. When trading is carried out individually, there is a problem that the immediacy or elasticity of asset management is low, and even if there is a decision to buy or sell at the same time, the results are necessarily different.

On the other hand, from the perspective of the proposer, conventionally, only one type or a plurality of model portfolios are provided to an advisor or a manager, and the model portfolios are not provided by dividing them into a plurality of types according to the purpose. For this reason, it is only providing a uniform service without providing a differentiated and customized model portfolio to customers who are already managing investment assets or who need to invest new investment assets.

Korean Patent Laid-Open Patent No. 10-2016-0032416 "Batch real-time automatic trading system of stocks and automatic trading providing method using the system"

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

In addition, it is to provide a method and system for utilizing a multi-asset portfolio of multiple types for a higher level of customization according to the customer.

In the method for providing a platform for a multi-asset portfolio to achieve the above technical task, the platform providing system for a multi-asset portfolio includes asset information including different types of assets for customers and final multi-asset trading conditions for each asset. The step of specifying the asset portfolio and the platform providing system for the multi-asset portfolio batches the assets included in the final multi-asset portfolio in response to the collective trading application output from the customer's terminal based on the trading conditions for each asset and trading, wherein the collective trading of the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the collective trading application output from the customer's terminal comprises: Based on the scheduling information determined in a predetermined manner by the platform providing system for the multi-asset portfolio type, the scheduling information including information on the trading priority between the asset types, the scheduling information and and performing collective trading on the assets to correspond to the trading conditions.

The method for providing a platform for the multi-asset portfolio includes: receiving, by the platform providing system for the multi-asset portfolio, a request for proposal of a multi-asset portfolio for the customer from a proposal system; transmitting the information on the multi-asset portfolio requested for proposal to a terminal of , the platform providing system for the multi-asset portfolio specifying information on the final multi-asset portfolio based on a response from the customer's terminal may further include.

Receiving the request for proposal of the multi-asset portfolio includes receiving the request for proposal further including information on validity conditions of the multi-asset portfolio, and the method for providing a platform for the multi-asset portfolio includes: Determining whether the valid condition is met by the platform providing system for the portfolio, and if it is determined that the valid condition is not met as a result of the determination, the platform providing system for the multi-asset portfolio disables the multi-asset portfolio It may include further steps.

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

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

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

A system for providing a platform for a multi-asset portfolio for solving the technical problem of the present invention includes a processor and a memory in which a program driven by the processor is stored, and the processor drives the program to provide different types of Specify the final multi-asset portfolio including asset information including assets and trading conditions for each asset, and select the assets included in the final multi-asset portfolio in response to a batch trading application output from the customer's terminal to the assets Batch trading based on trading conditions for each asset, but scheduling information determined in a predetermined method based on the type of the multi-asset portfolio, the scheduling information including information on the trading priority between the types of assets based on , performs collective trading on the assets to correspond to the scheduling information and the trading conditions.

The method for providing a platform for a multi-asset portfolio according to the present invention can perform collective trading of constituent assets even for a multi-asset portfolio, thereby increasing the immediacy or convenience of asset management and increasing the stability of trading results. .

In addition, by defining a plurality of multi-asset portfolios by type suitable for each customer's situation and providing advisory services by utilizing such multi-asset portfolios by type, it has the effect of facilitating customized advisory services according to the customer's situation.

In addition, it has the effect of preventing the model portfolio from being used at an unintended point in time or environment when providing platform services by allowing the validity conditions of the multi-asset portfolio to be defined.

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

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

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

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

Hereinafter, the present invention will be described in detail by describing preferred embodiments of the present invention with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

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

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

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

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

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

In any case, in the present specification, the proposal system 200 may refer to a system capable of generating a multi-asset portfolio and providing it to the platform providing system 100 . The proposed system 200 may be implemented as an independent and physical device, but it is installed in another system (eg, the platform providing system 100) to implement the technical idea of the present invention. It may be implemented by organic bonding.

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

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

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

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

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

At this time, the platform providing system 100 performs a single trading act from the customer's point of view, that is, from the customer's point of view or the operator of the platform providing system 100, while the customer uses the multi-asset portfolio including heterogeneous assets. It provides a technical idea that enables automatic trading of constituent assets included in a multi-asset portfolio through

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

That is, different types of assets (assets) have different trading (order) conditions (information) required for trading according to different trading processing methods, and thus, conventionally, heterogeneous assets cannot be collectively processed. However, according to the technical idea of the present invention, as a component of a multi-asset portfolio, that is, a model portfolio to be provided to customers, trading conditions for each constituent asset are defined together, and according to an embodiment of the present invention, a model portfolio including such trading conditions. By providing a multi-asset portfolio to customers, it has the effect of making it possible to collectively trade a multi-asset portfolio including heterogeneous assets.

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

Therefore, compared to the conventional case that only the constituent assets are advised when the model portfolio is simply consulted to the customer, the present invention has the effect of simultaneously consulting the constituent assets and the trading strategy for each constituent asset at the same time. And due to this effect, bundle trading of multi-asset portfolios becomes possible, and according to such bundle trading, the immediateness of investment asset management is increased, and the stability of trading results is guaranteed to a certain level.

In the present specification, the types of assets included in the multi-asset portfolio may include, but are not limited to, ELS, OTC bonds, domestic stocks, funds, repurchase contingent bonds, and foreign stocks.

On the other hand, the platform providing system 100 defines a multi-asset portfolio for each type in advance in order to effectively provide a proposal that the proposal system 200 can provide, that is, a customized multi-asset portfolio for customers, and classifies them to request proposals. You can provide technical ideas that enable you to receive

That is, the proposal system 200 may receive customer information from the platform providing system 100 , and it is necessary to present a customized strategy for the customer based on the received customer information. However, in the prior art, it was only possible to advise only the model portfolio, that is, information on the constituent assets regardless of the customer's current state, whereas according to the technical idea of the present invention, the platform providing system 100 is the proposal system 200 It is possible to classify the type of the multi-asset portfolio into a plurality of types of advice that can be provided, and to define the type of such proposal in advance when receiving a proposal to be provided to the customer of the proposal system 200 . For example, if a current customer needs to make a new investment, a new purchase type multi-asset portfolio may be provided, and if some investment assets are being operated, a rebalancing type multi-asset portfolio may be provided. Of course, in the case where the customer's tendency is to pursue stability suitable for the savings-type investment, we provide a multi-asset portfolio suitable for the savings-type investment. By defining the types together, it has the effect of realizing more specific and customer-customizable advice from the perspective of the proposer from the time the portfolio is defined.

In addition, from the customer's point of view, the type of information to be consulted is defined, so it is easy to select a strategy that is suitable for them.

The proposal system 200 may be a terminal used by a proposer, that is, a subject who proposes a multi-asset portfolio to be provided to customers through the platform providing system 100, an investment advisory company or an advisor in charge of the platform providing system 100, etc. It may be a terminal that can be used by various subjects. In addition, although illustrated as a desktop computer in FIG. 1 , a multi-asset portfolio can be defined to implement the technical idea of the present invention, and any type of terminal capable of transmitting and receiving necessary information to and from the platform providing system 100 (eg, , mobile phone, tablet PC, set-top box, etc.) that the proposed system 200 can be implemented, an average expert in the technical field of the present invention will be able to easily infer.

In addition, the customer terminal 300 may also be a customer terminal that can receive an advisory service provided from the platform providing system 100, and although shown as a mobile phone in FIG. 1, to implement the technical idea of the present invention For this purpose, the customer terminal 300 can check information about the multi-asset portfolio and use any type of terminal (eg, desktop, tablet PC, set-top box, etc.) that can transmit and receive necessary information with the platform providing system 100. An average expert in the technical field of the present invention can easily infer that this can be implemented.

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

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

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

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

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

The memory 120 stores the program and may be implemented as any type of storage device that the processor can access to drive the program. Also, depending on the hardware implementation, the memory 120 may be implemented as a plurality of storage devices instead of any one storage device. Also, the memory 120 may include a temporary memory as well as a main memory. In addition, it may be implemented as a volatile memory or a non-volatile memory, and may be defined to include all types of information storage means implemented so that the program can be stored and driven by the processor.

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

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

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

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

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

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

To this end, the platform providing system 100 to the proposal system 200 transmits information about a specific customer (customer information that can know the asset management status, tendency or tendency, etc.) to the proposal system 200 in advance ( S80), the subject of the proposal system 200 may generate information on the multi-asset portfolio customized to the specific customer based on the received customer information (S90).

As described above, the multi-asset portfolio may be a portfolio whose type is defined in advance as any one of a plurality of types set by the platform providing system 100 so as to be appropriately used in a customer's situation in advance. The types of such multi-asset portfolios may include, but are not limited to, for example, a new purchase type, a rebalancing type, and/or a reserve type type.

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

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

The deposit type may be a multi-asset portfolio that can be used in a customer or customer's situation in which it is determined that it is desirable to periodically make a deposit type investment rather than a one-time purchase.

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

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

In addition, from the customer's point of view, only by checking the type of multi-asset portfolio, it has the effect of being able to easily select the provided advice according to their situation and inclination.

An example of a multi-asset portfolio according to the spirit of the present invention is exemplarily shown in FIG. 4 .

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

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

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

For example, the first multi-asset portfolio represents an example of a new purchase type multi-asset portfolio, and domestic stock A, over-the-counter bond B, and overseas stock C are each composed of 20%, 40%, and 40% weights, respectively. It represents a multi-asset portfolio in which the trading conditions for each constituent asset (trading conditions 1, 2, and 3) are defined as composition information.

For example, the second multi-asset portfolio represents an example of a rebalancing type multi-asset portfolio, and asset status A, B with domestic stock A, over-the-counter bond B, and foreign stock C at 20%, 40%, and 40% weights. , D, information to rebalance with weights of 30%, 30%, and 40%, respectively, and the trading conditions for each constituent asset at this time (trading conditions 4, 5, and 6) are defined as composition information. Represents an asset portfolio.

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

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

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

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

Accordingly, while defining the multi-asset portfolio, the proposer can define information on validity conditions such as, for example, setting an expiration date or applying the multi-asset portfolio only to certain market conditions.

Then, the platform providing system 100 monitors the validity conditions of each of the multi-asset portfolios, and when the validity conditions do not meet, the multi-asset portfolio may be disabled.

Disabling processing is, for example, a UI function to prevent the customer from selecting a multi-asset portfolio that does not satisfy the valid condition while monitoring the valid condition for each of a plurality of multi-asset portfolios proposed to a plurality of customers in the platform providing system 100 Disabling or deleting may be used.

Alternatively, when a customer requests for a bundle trading of a multi-asset portfolio or a trading for each constituent asset, that is, when a customer actually intends to use the multi-asset portfolio, the validity conditions may be determined and the transaction may not be conducted.

Disabling processing for the multi-asset portfolio itself in various methods may be performed according to the defined validity conditions.

Of course, when a plurality of types of multi-asset portfolios are defined, essential constituent information (eg, information on trading conditions) to be included in the multi-asset portfolios for each type may be different from each other.

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

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

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

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

Trading conditions may refer to information that must be specified in order to conduct trading, and information on trading conditions may be defined for each constituent asset. In addition, as described above, information on trading conditions may vary depending on the type of multi-asset portfolio.

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

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

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

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

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

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

In addition, although the trading conditions of domestic stocks have been described as an example in FIG. 5, an average expert in the technical field of the present invention will be able to easily infer that the information to be defined in the trading conditions may vary depending on the type of asset.

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

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

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

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

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

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

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

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

In addition, information on trading conditions may also be limitedly adjusted by the customer with respect to the type of order, price, timing, subscription period, and published interest rate.

Of course, for this adjustment, the customer terminal 300 and the platform providing system 100 may exchange a plurality of pieces of information through a predetermined communication procedure.

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

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

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

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

On the other hand, the platform providing system 100 may have to specify scheduling information for more effective collective trading (S170). Through the specification of such scheduling information, more effective trading can be made for each type of multi-asset portfolio and according to the type of constituent assets included in the multi-asset portfolio.

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

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

According to an embodiment, the scheduling information may also be defined by the subject of the proposal system 200 at the time of generation of the multi-asset portfolio as configuration information of the multi-asset portfolio.

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

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

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

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

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

For example, in the case of a new purchase type, the purchase for each constituent asset can be carried out at the same time. For example, a batch purchase may be performed by simultaneously outputting a purchase order for each of the constituent assets at a time.

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

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

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

In addition, even in the case of constituent assets of the same asset type, such as their trading order (eg, in order of greatest weight, then liquidity, or market capitalization of the asset to be traded, etc.) The ranking of the trading may be determined.

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

The scheduling information may be set for each customer or, if necessary, set for each multi-asset portfolio. In other words, even for the same customer, different scheduling information can be applied to the bundle trading according to the multi-asset portfolio.

After all, according to the technical idea of the present invention, the platform providing system 100 can collectively trade using predefined trading conditions for each constituent asset of the multi-asset portfolio, and, if necessary, trade by constituent asset using scheduling information. By controlling the priorities of , it has the effect of making it possible for the customer or operator to perform collective trading for asset bundles including heterogeneous assets, that is, multi-asset portfolios, with only one trading act.

In addition, adjustments are made to some of the constituent information of the client's multi-asset portfolio (eg, the weight of constituent assets or trading conditions, etc.) can be used as a strategy. In addition, scheduling information can also be adjusted as desired to provide flexibility in trading.

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

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

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

If the customer is interested through the summary information, the customer can specifically check the multi-asset portfolio, and can select a predetermined UI (eg, an approval button) for this purpose.

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

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

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

Then, as shown in FIG. 11 , the final multi-asset portfolio may be specified and provided to the customer terminal 300 , and the customer may perform an investment prospectus for each constituent asset or a necessary procedure requirement.

Then, the customer is in a state where the corresponding multi-asset portfolio can be collectively traded, and as shown in FIG. 12 , by selecting a predetermined UI (eg, a collective purchase destination), the collective trading of the corresponding multi-asset portfolio can be performed.

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

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

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (7)

specifying, by a platform providing system for a multi-asset portfolio, asset information including different types of assets for a customer and a final multi-asset portfolio including trading conditions for each asset; and
a step of, by the platform providing system for the multi-asset portfolio, collectively trading the assets included in the final multi-asset portfolio based on the trading conditions for each asset in response to the collective trading application output from the customer's terminal;
The step of collectively trading the assets included in the final multi-asset portfolio in response to the collective trading application output from the customer's terminal based on the trading conditions for each asset,
Based on the scheduling information determined by the platform providing system for the multi-asset portfolio in a predetermined method based on the type of the multi-asset portfolio, the scheduling information including information on the priority of trading between the types of assets, and performing batch trading on the assets to correspond to the scheduling information and the trading conditions.
The method of claim 1, wherein the method of providing a platform for the multi-asset portfolio comprises:
receiving, by the platform providing system for the multi-asset portfolio, a request for proposal of the multi-asset portfolio for the customer from the proposal system;
transmitting, by the platform providing system for the multi-asset portfolio, information on the multi-asset portfolio requested for proposal to the customer's terminal;
The platform providing method for the multi-asset portfolio further comprising the step of specifying, by the platform providing system for the multi-asset portfolio, information on the final multi-asset portfolio based on a response from the customer's terminal.
The method of claim 2, wherein the receiving of the request for proposal of the multi-asset portfolio comprises:
Receiving the proposal request further including information on the validity conditions of the multi-asset portfolio,
The method of providing a platform for the multi-asset portfolio is,
determining, by the platform providing system for the multi-asset portfolio, whether the validity conditions are met; and
The method for providing a platform for a multi-asset portfolio further comprising the step of disabling the multi-asset portfolio by the platform providing system for the multi-asset portfolio when it is determined that the validity condition is not met as a result of the determination.
The method of claim 1, wherein the step of specifying, by the platform providing system for the multi-asset portfolio, information on the final multi-asset portfolio based on a response from the customer's terminal,
When a simple approval response of the multi-asset portfolio is received from the client's terminal, the multi-asset portfolio is specified as the final multi-asset portfolio, and when a portfolio adjustment request is received from the client's terminal, it corresponds to the portfolio adjustment request specifying the multi-asset portfolio adjusted to be the final multi-asset portfolio,
The portfolio adjustment request is
A method for providing a platform for a multi-asset portfolio including a request to adjust the weight of the assets or a request to adjust the trading conditions of the assets.
The method of claim 1, wherein the scheduling information comprises:
Information on priorities predetermined by the platform providing system for the multi-asset portfolio for each type of asset, or
A method for providing a platform for a multi-asset portfolio, characterized in that the priority predetermined by the platform providing system for the multi-asset portfolio for each type of asset is information adjusted by the customer's terminal.

A computer program installed in a data processing apparatus, stored in a computer-readable recording medium, and a computer program for performing the method according to any one of claims 1 to 5.
processor;
and a memory in which a program driven by the processor is stored,
The processor drives the program,
specifying the final multi-asset portfolio including asset information including different types of assets for the customer and trading conditions for each asset;
In response to the collective trading application output from the customer's terminal, the assets included in the final multi-asset portfolio are collectively traded based on the trading conditions for each asset,
Based on the scheduling information determined in a predetermined method based on the type of the multi-asset portfolio, the scheduling information includes information on the trading priority between the asset types, to correspond to the scheduling information and the trading conditions A platform providing system for a multi-asset portfolio that performs collective trading on the assets.

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