KR20220147493A - Server and method for providing basket investment using investment portfolio - Google Patents

Abstract

A server for providing a basket investment service using an investment portfolio may comprise: an investment plan establishment part that receives the information for an investment portfolio and the information for an investment method set in a plurality of methods from a user terminal; an investment determination part that determines the item information and purchase or sale information for at least one asset type based on the information for the investment portfolio and the information for the investment method; and a transaction request part that transmits the transaction information comprising the determined item information and purchase or sale information to a financial server for transacting of at least one asset type. Therefore, the present invention can contribute to individual investors so as to invest rationally.

Description

SERVER AND METHOD FOR PROVIDING BASKET INVESTMENT USING INVESTMENT PORTFOLIO

The present invention relates to a server and method for providing a basket investment service utilizing an investment portfolio.

With the development of IT technology and the spread of smart phones, an environment has been created in which users can easily invest in stocks using the stock app. In addition, as interest in stock investment is increasing due to ultra-low interest rates and higher real estate prices, the speed of inflow of individual investors into the securities market is accelerating.

Most individual investors do not invest in just one asset to diversify their risk, but diversify their investments in multiple assets. For example, investors refer to various news contents posted on portal sites as investment materials to design investment portfolios based on companies related to news contents or receive a portfolio of recommended stocks made up of various recommended items through a securities company. do

In particular, when an investor himself designs an investment portfolio, the investor must directly analyze the company to invest in, and must also learn various market indices (eg, prices, interest rates, stock indices, exchange rates, crude oil prices, trade balances, etc.).

On the other hand, when an investor is provided with a recommended portfolio through a securities company, the investor is provided with a portfolio composed of stocks extracted according to basic filtering requirements. However, the recommended portfolio through a brokerage company is limited in setting various conditions by investors, so there is a limit in practically reflecting the investor's investment intention and propensity.

On the other hand, the conventional stock app provides various functions for stock management (eg, stock chart, chart saving and loading, stock viewing, editing function, etc.), but because the method of using these various functions is complicated, most investors They only use the stock app to check stock balances or to sell/buy stocks. In other words, it is used only for simple stock trading and balance management.

Korean Patent Publication No. 10-1909503 (Registered on October 12, 2018)

The present invention is to solve the problems of the prior art described above, utilize a portfolio set in a plurality of methods for investment, and at least one asset type based on the investment portfolio information and investment method received from the user terminal. We want to provide a basket investment service to buy or sell stocks.

However, the technical problems to be achieved by the present embodiment are not limited to the technical problems described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, the server providing the basket investment service using the investment portfolio according to the first aspect of the present invention provides information on the investment portfolio set in a plurality of methods and information on the investment method. Investment plan establishment unit to receive from the user terminal; an investment decision unit that determines stock information and purchase or sale information for at least one asset type based on the information on the investment portfolio and the information on the investment method; and a transaction request unit for transmitting transaction information including the determined item information and purchase or sale information to a financial server for transaction of the at least one asset type.

A user terminal that provides a basket investment service using an investment portfolio according to the second aspect of the present invention receives information on an investment portfolio set in a plurality of methods and information on an investment method, and receives information on the investment portfolio and the Investment plan information transmission unit for transmitting information on the investment method to the basket investment service providing server; and a transaction information providing unit providing transaction information on at least one asset type, wherein the transaction information on the at least one asset type is at least one determined based on information on the investment portfolio and information on the investment method It may include stock information and buy or sell information about the asset type of .

The above-described problem solving means are merely exemplary, and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and detailed description.

According to any one of the above-described problem solving means of the present invention, the present invention utilizes a portfolio set in a plurality of methods for investment, and at least one asset type based on the investment portfolio information and investment method received from the user terminal We can provide a basket investment service to buy or sell stocks.

The present invention can contribute to solving the problem of information asymmetry experienced by individual investors by providing a subscription service for a portfolio set in a plurality of ways, and allowing individual investors to invest rationally.

In addition, the present invention can provide a basket investment service in which the user of the user terminal can easily invest like a savings account based on the portfolio of the user terminal.

In addition, since the basket investment service of the present invention is a service that replaces a conventional established fund, a fund management fee does not occur, thereby reducing the burden on investors' management fee.

1 is a block diagram of a basket investment service providing server according to an embodiment of the present invention.
2A to 2B are diagrams for explaining a method for a user terminal to set an investment portfolio, according to an embodiment of the present invention.
3 is a diagram for explaining a method of providing a financial community service according to an embodiment of the present invention.
4A to 4D are diagrams for explaining a method of providing a financial investment service according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a basket investment service through a basket investment service providing server according to an embodiment of the present invention.
6 is a block diagram of a user terminal according to an embodiment of the present invention.
7 is a flowchart illustrating a method of providing a basket investment service through a user terminal, according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . Also, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

Some of the operations or functions described as being performed by the terminal or device in this specification may be instead performed by a server connected to the terminal or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal or device connected to the corresponding server.

Hereinafter, detailed contents for carrying out the present invention will be described with reference to the accompanying configuration diagram or process flow diagram.

1 is a block diagram of a basket investment service providing server 10 according to an embodiment of the present invention.

Referring to FIG. 1 , the basket investment service providing server 10 includes an investment portfolio management unit 100 , an investment portfolio provision unit 110 , a subscription management unit 120 , an investment plan establishment unit 130 , and an investment decision unit 140 . , a transaction requesting unit 150 , a community providing unit 160 , and a dividend information providing unit 170 . However, the basket investment service providing server 10 shown in FIG. 1 is only one implementation example of the present invention, and various modifications are possible based on the components shown in FIG. 1 .

Hereinafter, FIG. 1 will be described with reference to FIGS. 2A to 4D.

The investment portfolio management unit 100 may manage the investment portfolio of each user terminal. Here, the investment portfolio may include a first investment portfolio sold in the basket investment service, a second investment portfolio designed by the user of the user terminal, and a third investment portfolio designed by another user and shared from the corresponding other user.

The information on the investment portfolio may include, for example, information on an investment ratio of at least one asset type (eg, securities, virtual currency, real estate, used cars, raw materials, etc.) constituting the investment portfolio.

For example, the investment portfolio management unit 100 may store and manage the investment portfolio generated by the investment prediction simulation model as the first investment portfolio.

Alternatively, the investment portfolio management unit 100 may store and manage the investment portfolio directly designed by each user terminal as the second investment portfolio. In this case, when the investment portfolio designed directly by the user terminal is sold, the investment portfolio management unit 100 may store and manage the investment portfolio as the first investment portfolio.

Alternatively, the investment portfolio management unit 100 may store and manage the investment portfolio that the user terminal receives from other user terminals as the third investment portfolio.

Specific details of the first investment portfolio, the second investment portfolio, and the third investment portfolio will be described later.

The investment portfolio management unit 100 may build a first investment portfolio based on the investment prediction simulation model. For example, the investment portfolio management unit 100 may construct the first investment portfolio based on a plurality of investment items for at least one asset type selected for each preset topic using the investment prediction simulation model. The investment prediction simulation model, for example, selects an asset type according to the investor's investment propensity information and selects an investment stock for the selected asset type, and may be, for example, a neural network model and a logistic regression model.

For example, the investment portfolio management unit 100 generates an investment portfolio based on a plurality of investment items for at least one asset type suitable for a first subject (eg, a salary increase project) as a first investment portfolio, and a second An investment portfolio may be created based on a plurality of investments in at least one asset type suitable for a subject (eg, small investment growth stocks).

The investment portfolio management unit 100 may provide a portfolio design page that allows the user to directly design the second investment portfolio. To this end, the investment portfolio management unit 100 may provide a preset asset type list and a plurality of stock lists for each asset type. Here, a plurality of stock lists may be provided grouped according to investment stock categories. At this time, the investment portfolio management unit 100 generates a list of a plurality of stocks belonging to the first investment category (eg, resource energy), and creates a list of a plurality of stocks belonging to the second investment category (eg, artificial intelligence). It can be provided to the user terminal.

When the investment portfolio management unit 100 receives a paid sale application for an investment portfolio (second investment portfolio) designed by the user terminal from a plurality of user terminals, a plurality of portfolios based on the received investment information for the plurality of portfolios At least some of them can be filtered.

That is, the investment portfolio management unit 100 may filter the plurality of portfolios based on at least one of an asset type, an investment period, a yield, and an investment ratio as a preset condition.

For example, the investment portfolio management unit 100 limits the second investment portfolio to be sold as the first investment portfolio to an investment portfolio composed of a plurality of specific asset types, or to an investment portfolio in which a specific asset type is necessarily included or excluded. can do.

As another example, the investment portfolio management unit 100 may select a second investment portfolio that has achieved a preset rate of return for a preset investment period as the first investment portfolio. That is, the first investment portfolio designed and sold by the user terminal is a portfolio that is being used for a sufficient investment period, and may be a portfolio that has achieved a rate of return above a certain level.

Subsequently, the investment portfolio management unit 100 may manage to sell the filtered plurality of portfolios as the first investment portfolio in the basket investment service.

Here, the first investment portfolio constructed based on the above-described investment prediction simulation model is sold on the first page related to the portfolio subscription, and the first investment portfolio designed and sold by the user terminal is constructed based on the investment prediction simulation model It can be sold on a second page about portfolio subscriptions as distinct from the first investment portfolio.

Here, the first investment portfolio designed and sold by the user terminal is information about the user who designed the corresponding portfolio compared to the first investment portfolio constructed based on the investment prediction simulation model, the investment period in which the corresponding portfolio is invested, and the corresponding investment. It may further include at least one of the ratio provided to the user who designed the portfolio among the rate of return information and the subscription fee generated during the period. .

The investment portfolio providing unit 110 may provide the corresponding investment portfolio to the user terminal as the first investment portfolio when the user terminal selects and settles the investment portfolio on the subscription page for the investment portfolio.

That is, in the above case, the investment portfolio providing unit 110 may store and manage the first investment portfolio selected and settled by the user terminal as an investment portfolio of the user terminal.

When the user terminal directly designs the second investment portfolio on the portfolio design page, the investment portfolio providing unit 110 may provide the corresponding investment portfolio to the user terminal as the second investment portfolio.

That is, in the above case, the investment portfolio providing unit 110 may store and manage the second investment portfolio designed by the user terminal as an investment portfolio of the user terminal.

The investment portfolio providing unit 110 may provide the user terminal with the investment portfolio as a third investment portfolio when the user terminal receives the investment portfolio of another user terminal through various methods and subscribes to the shared investment portfolio. have.

That is, in the above case, the investment portfolio providing unit 110 may store and manage the third investment portfolio shared by the user terminal as an investment portfolio of the user terminal.

Here, various methods include a method for sharing a portfolio through a community to be described later, a method for receiving a share of a specific user's portfolio included in a user's friend list, and a method for a user to search for a specific user or a specific group within the basket investment service. Thus, it may include a method for sharing a portfolio and a method for users to share a portfolio introduced in various reports distributed by the basket investment service.

For example, the user terminal may select a specific friend from the friend list and receive the third investment portfolio shared from the selected specific friend. In this case, the friend list may include information on each friend's portfolio for each friend, an investment period in which the corresponding portfolio is invested, and information on a rate of return generated during the corresponding investment period.

As another example, the user terminal may receive a share of the third investment portfolio from any specific user or specific group derived by searching for an ID or a search term for a specific other user.

The investment portfolio providing unit 110 may provide a subscription service for the third investment portfolio to the user terminal when the user terminal performs a payment for subscribing to the third investment portfolio shared from the other user terminal.

In this case, the investment portfolio management unit 100 may manage by mapping the ID of the user terminal, the ID of the other user terminal, and information on the third investment portfolio.

The subscription management unit 120 may manage a subscription for the first investment portfolio purchased by the user terminal.

In addition, the subscription management unit 120 may manage the subscription to the third investment portfolio shared by the user terminal from other users.

That is, when the user terminal receives the third investment portfolio from another user, the subscription management unit 120 may manage the subscription to the third investment portfolio for which the user terminal has subscribed. In this case, when the user terminal subscribes to the third investment portfolio, a portion of the subscription fee of the third investment portfolio may be paid to another user.

The investment plan establishment unit 130 may receive from the user terminal information on the investment portfolio and information on the investment method from the user terminal. Here, the information on the investment portfolio may be an investment portfolio selected by the user terminal from among the investment portfolios (ie, the first investment portfolio, the second investment portfolio, and the third investment portfolio) set by a plurality of methods. Also, the information on the investment method may include, for example, an investment period and an investment amount for stocks included in at least one asset type constituting the investment portfolio.

For example, referring to FIG. 2B , the user terminal includes a plurality of first investment portfolio categories included in the first investment portfolio category through the portfolio subscription page for the first investment portfolio provided in the basket investment service (eg, provided through the investment application). An investment period 209 and an investment amount 211 in which a specific first investment portfolio 207 is selected from among one investment portfolio, and invested in stocks for at least one asset type included in the selected specific first investment portfolio 207 information can be set.

The investment determination unit 140 may determine stock information and purchase or sale information for at least one asset type based on information on an investment portfolio and information on an investment method received from the user terminal.

The investment determination unit 140 may determine buying or selling information on the investment amount based on the investment ratio for each type of at least one asset constituting the investment portfolio for each investment cycle. For example, the investment determination unit 140 is based on the investment amount set by the user terminal based on the investment ratio set in each of stocks and virtual currencies constituting the investment portfolio of the user terminal, such as savings for each investment cycle set by the user terminal. You can decide to buy or sell.

The transaction request unit 150 may transmit transaction information including determined stock information and purchase or sale information to a financial server for transaction of at least one asset type. For example, when the investment portfolio of the user terminal consists of stocks and virtual currency as the asset types, the transaction request unit 150 transmits purchase or sale information on the investment amount determined based on the investment ratio set in stocks to the securities company server to the virtual currency exchange server, and the purchase or sale information for the investment amount determined based on the investment ratio set in the virtual currency may be transmitted to the virtual currency exchange server.

The community providing unit 160 may provide a community capable of exchanging opinions among a plurality of users for each of a plurality of asset types and a plurality of items.

For example, the community providing unit 160 may appoint a community manager from among a plurality of users participating in the community and monitor whether the quality of the community is deteriorated through the corresponding community manager.

For example, referring to FIG. 3 , the community providing unit 160 provides a plurality of financial specialized community services for sharing investment information and investment opinions in relation to a plurality of asset types and stocks for each asset type in which the user terminal is currently investing. It can be provided to user terminals through a community of

At this time, the user terminal selects the participation button 303 for the first community 301 opened in response to a specific asset type and items included in the specific asset type among a plurality of communities through the basket investment service 1 You can request to participate in the community 301 . In this case, the community providing unit 160 may check whether the user terminal is investing in a stock corresponding to the first community 301 when the user terminal requests to participate in the first community 301 . That is, the first community 301 may be a chat space in which a plurality of investors who are currently investing as shareholders with respect to a specific asset type invested by the user terminal and items included in the specific asset type can participate.

For example, the user terminal may be shared with another investor's third investment portfolio through the first community 301 .

The dividend information providing unit 170 may provide the user terminal with information on the dividend date and the dividend rate for the item of at least one asset type invested by the user terminal. For example, referring to FIG. 4A , the dividend information providing unit 170 may provide the user terminal with a dividend calendar interface 401 for items invested by the user terminal. In this case, the user terminal may set a dividend date notification for the items in which the user terminal is investing through the dividend calendar interface 401 , and may separately set a notification of reaching the dividend rate for the items. In addition, the dividend information providing unit 170 may provide the user terminal with real-time market price dividend rate information on items set as the item of interest 403 by the user terminal.

Referring to Figure 4b, the investment guide providing unit (not shown), in order to provide investment information to the user terminal, each preset topic (eg, resource energy, platform, contact, etc.) information 405 and specific users on major items. Investment guide information including information 407 on the portfolio of may be provided to the user terminal. In addition, the investment guide providing unit (not shown) may provide the user terminal with information 409 on stocks that can receive dividends in real time.

Referring to FIG. 4C , the investment management unit (not shown) may provide a management tool for the user terminal to easily manage his/her asset portfolio and cash flow. For example, the investment management unit (not shown) may visualize the asset information of the user terminal in various graph formats 411 and provide it to the user terminal.

For example, the investment management unit (not shown) may visualize the expected monthly dividend for the asset information of the user terminal in the form of a distribution chart 413 for each item sector and provide it to the user terminal.

The investment management unit (not shown) extracts an article 415 related to the item owned by the user terminal and provides it to the user terminal. can

Referring to Figure 4d, the investment portfolio management unit 100, when the portfolio subscribed by the user terminal is changed, a push notification message for the change of the subscribed portfolio (eg, the investment portfolio has been changed. Please check the changes) may be provided to the user terminal.

The investment portfolio management unit 100 may provide change information (eg, information on the changed stock, information on the changed investment ratio of a specific stock, etc.) on the changed investment portfolio to the user terminal.

At this time, the user terminal confirms the change (eg, change of the investment ratio of the stock, etc.) regarding the stocks included in the changed investment portfolio based on the push notification message for the change of the investment portfolio and the change information on the changed investment portfolio. Thereafter, by using the changed investment portfolio, it is determined whether or not to apply to the individual's investment, and the confirmation information can be transmitted to the basket investment service providing server 10 .

The investment portfolio management unit 100 may change or maintain the stock of the investment portfolio of the user terminal based on the confirmation information received from the user terminal.

Meanwhile, those skilled in the art will find that the investment portfolio management unit 100, the investment portfolio providing unit 110, the subscription management unit 120, the investment plan establishment unit 130, the investment decision unit 140, the transaction request unit 150, the community system It will be fully understood that the study 160 and the dividend information providing unit 170 may each be implemented separately, or that one or more of these may be integrated and implemented.

5 is a flowchart illustrating a method of providing a basket investment service according to an embodiment of the present invention.

Referring to FIG. 5 , in step S501, the basket investment service providing server 10 may receive information on an investment portfolio set in a plurality of methods and information on an investment method from the user terminal.

In step S503, the basket investment service providing server 10 may determine stock information and purchase or sale information for at least one asset type based on information on the investment portfolio and information on the investment method.

In step S505, the basket investment service providing server 10 may transmit transaction information including the determined stock information and purchase or sale information to the financial server for transaction of at least one asset type.

In the above description, steps S501 to S505 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted if necessary, and the order between the steps may be changed.

6 is a block diagram of a user terminal 60 according to an embodiment of the present invention.

Referring to FIG. 6 , the user terminal 60 includes an investment plan information transmitting unit 600 , a transaction information providing unit 610 , a subscription application unit 620 , a community providing unit 630 , and a dividend information notification setting unit 640 . ), a dividend information output unit 650 and a portfolio sale right setting unit 660 may be included. However, the user terminal 60 shown in FIG. 6 is only one embodiment of the present invention, and various modifications are possible based on the components shown in FIG. 6 .

The investment plan information transmitter 600 may receive information on at least one investment portfolio among investment portfolios set in a plurality of methods and information on an investment method from the user through the basket investment service. Here, the investment portfolio set by a plurality of methods includes a first investment portfolio sold in the basket investment service, a second investment portfolio designed by a user of the user terminal, and a third investment portfolio designed by other users and shared from the other users. can do. Detailed descriptions of the first investment portfolio, the second investment portfolio, and the third investment portfolio are the same as described above, and thus will be omitted.

The information on the investment method may include, for example, an investment period and an investment amount for stocks included in at least one asset type constituting the investment portfolio.

For example, referring to FIG. 2A , the output unit (not shown) provides an interface to the user terminal 60 to select at least one of the first investment portfolio sold by the basket investment service and the second investment portfolio designed by the user. ) can be printed on the screen.

The investment plan information transmission unit 600 may receive a selection from the user of at least one of the interface 201 for the first investment portfolio and the interface 203 for the second investment portfolio.

At this time, when the user terminal 60 selects the interface 201 for the first investment portfolio, the output unit (not shown) displays the portfolio subscription page for the subscription of the first investment portfolio on the screen of the user terminal 60 . can be printed out.

The investment plan information transmitter 600 may receive a user's selection of a desired first investment portfolio through a portfolio subscription page, and may receive information on an investment method of the selected first investment portfolio.

For example, when the user terminal 60 selects the interface 203 for the second investment portfolio, the output unit (not shown) displays a portfolio design page for designing the second investment portfolio on the screen of the user terminal 60 . can be printed on Here, the portfolio design page may include a preset asset type list and a plurality of stock lists for each asset type.

The investment plan information transmitting unit 600 may receive a selection from the user through the portfolio design page, an asset type that the user wants to invest in, and stocks according to the asset type, and may receive information on an investment method of the selected stocks.

For example, the investment plan information transmission unit 600 receives the investment portfolio of another user terminal through various methods, and when the user applies for a subscription to the shared investment portfolio, the investment portfolio is transferred to the third investment portfolio. , and information on an investment method of the corresponding investment portfolio may be input. Here, detailed descriptions of various methods are the same as described above, and thus will be omitted.

The subscription requesting unit 620 may receive a subscription request for the first investment portfolio from the user.

When the user receives the third investment portfolio shared from another user, the subscription application unit 620 may receive an application for subscription to the shared third investment portfolio from the user. In this case, when the user subscribes to the third investment portfolio, a portion of the subscription fee of the third investment portfolio may be paid to another user.

The investment plan information transmission unit 600 may transmit information on the investment portfolio subscribed from the user and information on the investment method to the busket investment service providing server 10 .

For example, referring to FIG. 2B , the user terminal 60 may select a specific product among a plurality of first investment portfolios included in the first investment portfolio category through the portfolio subscription page for the first investment portfolio provided in the basket investment service. One investment portfolio 207 may be selected, and an investment period 209 and an investment amount for investing in stocks for at least one asset type included in the selected specific first investment portfolio 207 may be set.

The transaction information providing unit 610 may provide transaction information on at least one asset type. Here, the transaction information on the at least one asset type may include stock information and purchase or sale information on the at least one asset type determined based on the information on the investment portfolio and the information on the investment method.

For example, when the asset type of the investment portfolio of the user terminal 60 consists of stocks and virtual currency, the transaction information providing unit 610 buys or sells the investment amount determined based on the investment ratio set in the stock. Information may be provided, and information on buying or selling may be provided for the investment amount determined based on the investment ratio set in the virtual currency.

The community providing unit 630 may provide the user with a community capable of exchanging opinions among a plurality of users for a plurality of asset types and a plurality of items.

For example, referring to FIG. 3 , the community providing unit 630 may provide a plurality of asset types in which the user is currently investing and a plurality of communities related to items for each asset type. In this case, the user may share investment information and investment opinions with other users who are investing in the same stocks as the user through the community.

When the user selects the join button 303 for the first community 301 opened in response to a specific asset type and item among a plurality of communities, the user can participate as the first community 301 . Here, the first community 301 may be a chat space in which a plurality of investors who are currently investing as shareholders with respect to a specific asset type in which the user is investing and items included in the specific asset type can participate.

For example, the user terminal may be shared with another investor's third investment portfolio through the first community 301 .

The dividend information notification setting unit 640 may set a notification of dividend information for items of at least one asset type invested by the user. For example, referring to FIG. 4A , through the dividend calendar interface 401 , the user may set a notification of the arrival of a dividend for the stocks of the asset type invested by the user together with a dividend date notification. Alternatively, when the dividend information notification setting unit 640 selects the item of interest 403 of which the user is interested, the notification of real-time market price dividend information for the selected item of interest 403 may be separately set.

The dividend information output unit 650 outputs a notification and dividend information of dividend information including dividend date information and dividend rate information for at least one asset type item invested by the user, received from the basket investment service providing server 10 . can do.

For example, the dividend information output unit 650 may receive real-time market price dividend rate information for the item of interest selected by the user from the basket investment service providing server 10 and output it.

The investment guide providing unit (not shown) may provide investment guide information to provide investment insights to the user. For example, referring to FIG. 4B , the investment guide providing unit (not shown) provides information 405 on major stocks by preset topic (eg, resource energy, platform, contact, etc.) and information 407 on portfolios of the rich. ), including investment guide information, can be provided. In addition, the investment guide providing unit (not shown) may provide information on stocks that can receive dividends in real time.

The investment management unit (not shown) may provide a management tool that allows the user to easily manage his/her asset portfolio and cash flow. For example, referring to FIG. 4C , the investment management unit (not shown) may provide visualization in various graph formats 411 so that the user can check his/her asset information at a glance. Alternatively, the investment management unit (not shown) may provide a visualization of the expected monthly dividend for the asset information of the item held by the user in the form of a distribution chart 413 for each item sector. Alternatively, the investment management unit (not shown) may extract and provide only the articles 415 related to the stocks owned by the user, and if the articles related to the relevant stocks are English articles, the English articles may be translated and provided through a translation server. have.

The portfolio selling right setting unit 660 may set the right to sell the user's investment portfolio as the first investment portfolio when the user's investment portfolio satisfies a preset condition. Here, the preset condition may include, for example, a condition for achieving a return greater than or equal to a preset rate of return for a preset investment period.

For example, the portfolio selling right setting unit 660 receives an application for the user's investment portfolio as a portfolio that can be sold for a fee from the user, and receives the setting of the selling right for the user's investment portfolio to the basket investment service providing server 10 . can Thereafter, the portfolio sale right setting unit 660 may set the right to sell the user's investment portfolio as the first investment portfolio when the sale right for the user's investment portfolio is approved from the basket investment service providing server 10 . have.

When the investment portfolio subscribed by the user is changed, the investment management unit (not shown) provides a notification message about the change of the subscribed investment portfolio from the basket investment service providing server 10 and change information of the investment portfolio (eg, information on the changed stock) , information on the changed investment ratio of a specific item, etc.) can be received and outputted on the screen.

At this time, the user confirms the change (eg, change of the investment ratio of the stock, etc.) with respect to the stocks included in the changed investment portfolio based on the push notification message on the change of the investment portfolio and the change information on the changed investment portfolio , you can use the changed investment portfolio to decide whether to apply it to your investment.

The investment management unit (not shown) may transmit, to the basket investment service providing server 10 , confirmation information on the application of the investment determined based on the change information of the investment portfolio.

Thereafter, the basket investment service providing server 10 may change or maintain the stock of the investment portfolio of the user terminal based on the confirmation information received from the user terminal 60 .

On the other hand, those skilled in the art, investment plan information transmission unit 600, transaction information providing unit 610, subscription application unit 620, community providing unit 630, dividend information notification setting unit 640, dividend information output unit ( It will be fully understood that each of the 650) and the portfolio sales right setting unit 660 may be implemented separately, or one or more of them may be integrated and implemented.

7 is a flowchart illustrating a method of providing a basket investment service through a user terminal, according to an embodiment of the present invention.

Referring to FIG. 7 , in step S701 , the user terminal 60 may receive information on an investment portfolio set in a plurality of methods and information on an investment method from the user.

In step S703, the user terminal 60 may transmit the input information on the investment portfolio and information on the investment method to the basket investment service providing server (10).

In step S705, the user terminal 60 may provide transaction information for at least one asset type. Here, the transaction information on the at least one asset type may include stock information and purchase or sale information on the at least one asset type determined based on the information on the investment portfolio and the information on the investment method.

In the above description, steps S701 to S703 may be further divided into additional steps or combined into fewer steps, according to an embodiment of the present invention. In addition, some steps may be omitted if necessary, and the order between the steps may be changed.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer-readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The foregoing description of the present invention is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and likewise components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present invention. .

10: Basket investment service providing server
100: Investment Portfolio Management Department
110: investment portfolio provider
120: Subscription
130: investment planning department
140: investment decision unit
150: transaction request unit
160: community provider
170: Dividend information provider

Claims (9)

In the server providing a basket investment service using an investment portfolio,
an investment plan establishment unit for receiving information on an investment portfolio selected from among the investment portfolios set in a plurality of methods and information on an investment method for the selected investment portfolio from a user terminal;
an investment determination unit for determining stock information on at least one asset type and transaction information on the stock information on the basis of information on the selected investment portfolio and information on an investment method for the selected investment portfolio;
a transaction request unit for transmitting the determined item information and transaction information to a financial server for transaction of the at least one asset type; and
Comprising a community providing unit that provides a community service related to the item in which the user terminal is investing to the user terminal,
The investment determination unit determines the purchase or sale of the investment amount set by the user terminal based on the investment ratio for each type of at least one asset constituting the investment portfolio of the user terminal for each investment period set by the user terminal,
When the user terminal requests to participate in a first community opened in response to an item included in a specific asset type among a plurality of communities,
The community providing unit confirms whether the user terminal is investing in a stock corresponding to the first community,
The user terminal will be able to participate in the first community only when investing in items corresponding to the first community, the server.
The method of claim 1,
At least one asset type constituting the investment portfolio of the user terminal includes stocks and virtual currency,
The transaction request unit transmits the buying or selling information on the stock to the securities company server by the first investment amount of the investment amount based on the investment ratio set in each of the stock and the virtual currency, and a second investment amount of the investment amount As much as, the server that transmits the purchase or sale information for the virtual currency to the virtual currency exchange server.
The method of claim 1,
The investment portfolio set in the plurality of methods is a first investment portfolio constructed based on a plurality of investment items for at least one asset type selected by a predetermined topic through an investment prediction simulation model, a first investment portfolio designed by a user of the user terminal a second investment portfolio and a third investment portfolio designed by other users and shared from the other users through a plurality of sharing methods;
The plurality of sharing methods include a method of sharing the third investment portfolio through the community, a method of sharing the third investment portfolio through a search of a specific user included in the user's friend list of the user terminal, and the basket investment The server, including a method of sharing the third portfolio through a search of a specific user or a specific organization within the service.
The method of claim 1,
When the third investment portfolio to which the user terminal is subscribed is changed, an investment portfolio management unit that provides a notification message for a change of the subscribed third investment portfolio and change information on the changed third investment portfolio to the user terminal further comprising,
The change information will include information on the changed item and the changed investment ratio information of the specific item, the server.
5. The method of claim 4,
The investment portfolio management unit receives, from the user terminal, confirmation information on whether to apply the change regarding at least one item included in the changed third investment portfolio to the investment portfolio of the user terminal,
Based on the confirmation information, the server to apply or not to apply the change to the investment portfolio of the user terminal.
4. The method of claim 3,
When the second investment portfolio satisfies a preset condition, further comprising a portfolio sales right setting unit for setting the right to sell the second investment portfolio as the first investment portfolio,
The predetermined condition is a condition in which the second investment portfolio is composed of a specific asset type, a condition in which the second investment portfolio includes or excludes a specific asset type, and a predetermined return or more for a predetermined investment period. A server that includes the condition that
7. The method of claim 6,
The first investment portfolio is sold on the first page about portfolio subscriptions in the basket investment service,
The second investment portfolio, in which the sale right is set as the first investment portfolio, is sold on the second page related to the portfolio subscription,
The second investment portfolio, in which the sales right is set as the first investment portfolio, includes information on the user who designed the second investment portfolio, the investment period invested using the second investment portfolio, and information on the rate of return generated during the investment period. which includes, the server.
The method of claim 1,
Further comprising a dividend information providing unit for providing a dividend calendar interface for setting a notification for providing the dividend date information and the dividend rate information for the item of the at least one asset type to the user terminal to the user terminal,
The server that the dividend information providing unit provides to the user terminal the dividend rate information on at least one item set as the item of interest by the user terminal.
The method of claim 1,
Further comprising an investment management unit that provides a visualization management tool for managing the investment portfolio, asset information and cash flow of the user terminal to the user terminal,
The investment management unit provides the user terminal with a visualization of the expected monthly dividend for the asset information of the user terminal in the form of a distribution chart for each item sector,
The server that provides the user terminal with article information related to the item included in the investment portfolio of the user terminal.

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