KR20230114623A - System and method of sharing investment information and rewarding for the same - Google Patents

Abstract

A method for an investment information sharing service performed by a system includes receiving user information from a user, at least one public investor matching the user, based on the user information and first investor information about a plurality of public investors. It may include identifying, receiving first shared information of at least one public investor from the My Data system, and providing the first shared information to a user, wherein the first shared information includes at least one public investor. It may include the investor's personal credit information.

Description

System and method for sharing investment information and rewarding for it {SYSTEM AND METHOD OF SHARING INVESTMENT INFORMATION AND REWARDING FOR THE SAME}

The technical concept of the present invention relates to an investment information sharing service, and more particularly, to a system and method for sharing investment information and rewarding therefor.

Recently, interest in financial technology has increased, and the number of stock investors is rapidly increasing. Stocks may depend on various variables, and it may not be easy for ordinary investors to secure information or acquire knowledge for stock investment. Also, funds managed with funds raised from multiple investors may be avoided due to high management fees and limited investment methods. Accordingly, a method capable of simultaneously providing reliable information and investment freedom to investors may be required.

The technical idea of the present invention provides a system and method for effectively sharing investment information of investors with excellent performance.

In order to achieve the above object, according to one aspect of the technical idea of the present invention, a method for an investment information sharing service performed by a system includes receiving user information from a user, user information and a plurality of public investors. Identifying at least one public investor that matches the user based on the first investor information for the user, receiving first shared information of at least one public investor from the My Data system, and transmitting the first shared information to the user It may include the step of providing, and the first shared information may include personal credit information of at least one public investor.

According to an exemplary embodiment of the present invention, each of the user information and the investor information may include a plurality of items, and the step of identifying at least one public investor includes the items included in the user information and the investor information. Calculating a degree of similarity between the identified items, and determining at least one public investor among a plurality of public investors based on the degree of similarity.

According to an exemplary embodiment of the present invention, the plurality of items may include at least one of identification information, investment purpose, investment propensity, investment amount, investment period, stock of interest, and stock market.

According to an exemplary embodiment of the present invention, the first shared information may include at least one of identification information, investment propensity, investment amount, investment period, and rate of return.

According to an exemplary embodiment of the present invention, a method includes identifying payment of a cost from a user, receiving second shared information of at least one public investor from a MyData system, and information about at least one public investor. The method may further include providing second shared information to a user, and the second shared information may include personal credit information of at least one public investor.

According to an exemplary embodiment of the present invention, the second shared information may include at least one of holding items and transaction details for each period.

According to an exemplary embodiment of the invention, the method may further include providing a reward to the at least one public investor based on cost.

According to an exemplary embodiment of the present invention, the method further comprises selecting at least one advertisement from among a plurality of advertisements based on the user information, and presenting the at least one advertisement to the user.

According to an exemplary embodiment of the present invention, the method includes obtaining second investor information about candidate investors, filtering candidate investors based on shared information of candidate investors, and sharing information of the filtered candidate investors. The method may further include providing an evaluator, and converting the filtered candidate investors into public investors based on a response received from the evaluator.

According to an exemplary embodiment of the present invention, a method includes filtering a plurality of public investors based on shared information of the plurality of public investors, providing the filtered public investor's shared information to an examiner, and receiving information from the examiner. Based on the received response, the method may further include converting the filtered public investors into candidate investors.

A system according to one aspect of the technical idea of the present invention includes at least one processor and, when executed by the at least one processor, storing instructions to cause the at least one processor to perform a method for sharing service of investment information. A temporary storage medium may be included.

A non-transitory computer readable storage medium according to one aspect of the technical idea of the present invention may include instructions, and the instructions, when executed by at least one processor, cause the at least one processor to provide a method for sharing investment information. can be made to do.

According to one aspect of the technical idea of the present invention, a system for investment information sharing service includes a user interface for receiving user information from a user, a My Data interface for receiving shared information about a plurality of public investors from the My Data system, An investor selection unit that identifies at least one public investor that matches the user based on user information and first investor information about a plurality of public investors, and first shared information of at least one public investor through the My Data interface and an information provider for receiving and providing first shared information to a user through a user interface, and the first shared information may include personal credit information of at least one public investor.

According to an exemplary embodiment of the present invention, the user interface may provide the user with an interface for paying the cost, and the information provider may transmit the first shared information through the user interface when payment of the cost is not identified. It may be provided to the user, and when the payment of the cost is identified, the second shared information of at least one public investor may be provided to the user through the user interface.

According to an exemplary embodiment of the present invention, the system may further include an advertisement selection unit that selects at least one advertisement from among a plurality of advertisements based on user information and provides the at least one advertisement to the user through a user interface. can

According to an exemplary embodiment of the present invention, the system filters candidate investors based on second investor information about the candidate investors, provides shared information of the filtered candidate investors to a judge, and responds in response received from the judge. It may further include an investor evaluation unit that converts the filtered candidate investors based on the public investors.

According to an exemplary embodiment of the present invention, the investor evaluation unit filters a plurality of public investors based on the shared information of the plurality of public investors, provides the investor's shared information about the filtered public investors to a reviewer, and obtains information from the reviewer. Based on the received response, filtered public investors may be converted into candidate investors.

According to the system and method according to the technical concept of the present invention, a user can acquire reliable information of an investor that meets his or her conditions, and based on this, can easily access and conduct an investment.

In addition, according to the system and method according to the technical idea of the present invention, investors can obtain compensation by sharing their information, and compensation makes investors strive for investment, and as a result, quality information is shared with users It can be.

The effects obtainable in the exemplary embodiments of the present invention are not limited to the effects mentioned above, and other effects not mentioned are common knowledge in the art to which the exemplary embodiments of the present invention belong from the following description. can be clearly derived and understood by those who have That is, unintended effects according to the exemplary embodiments of the present invention may also be derived by those skilled in the art from the exemplary embodiments of the present invention.

1 is a block diagram illustrating an investment information sharing system according to an exemplary embodiment of the present invention.
2 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
3 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
4 is a diagram illustrating investor information according to an exemplary embodiment of the present disclosure.
5A and 5B are diagrams illustrating examples of an item in accordance with example embodiments of the present disclosure.
6 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
Fig. 7 is a message diagram illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
8 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
9 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
10 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure.
11 is a block diagram illustrating a computer system according to an exemplary embodiment of the present disclosure.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The embodiments of the present invention are provided to more completely explain the present invention to those skilled in the art. Since the present invention can have various changes and various forms, specific embodiments will be illustrated in the drawings and described in detail. However, it should be understood that this is not intended to limit the present invention to the specific disclosed form, and includes all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each figure, like reference numbers are used for like elements. In the accompanying drawings, the dimensions of the structures are shown enlarged or reduced than actual for clarity of the present invention.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Expressions in the singular number include plural expressions unless the context clearly dictates otherwise. In this application, terms such as "comprise" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that it does not preclude the possibility of the presence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, interpreted in an ideal or excessively formal meaning. It doesn't work.

In the drawings and descriptions below, a component represented or described as a block may be a hardware block or a software block. For example, each of the components may be an independent hardware block that exchanges signals with each other, or may be a software block executed on a single processor. A software block may include program code or a series of instructions executable by at least one processor, from which program code has been compiled. The software block may be stored in a non-transitory computer readable medium, such as a semiconductor memory device, a magnetic disk device, an optical disk device, or the like. Also, in this specification, a “system” or “database” may refer to a computing system including at least one processor and memory accessed by the processor.

1 is a block diagram illustrating an investment information sharing system 10 according to an exemplary embodiment of the present invention. As shown in FIG. 1, the investment information sharing system 10 may communicate with the user 3, the public investor 5, and the My Data system 7. In some embodiments, investment information sharing system 10 may correspond to a single computer system (eg, 110 in FIG. 11 ). In some embodiments, investment information sharing system 10 may correspond to two or more computer systems communicating with each other. In this specification, the investment information sharing system 10 may be referred to as a system or simply a system that provides an investment information sharing service.

The user 3 may communicate with the investment information sharing system 10 in any way to obtain investment information. For example, the user 3 may refer to any terminal that communicates with the investment information sharing system 10 through a communication channel. The terminal may provide a request to the investment information sharing system 10 through a communication channel according to the input received from the user 3, and receive a response according to the request from the investment information sharing system 10 to send the user 3 can be provided to In some embodiments, the terminal may be any device capable of communicating with the investment information sharing system 10 over a network (eg, the Internet), such as a smartphone, a portable computer system such as a laptop PC, or a desktop PC. It can be the same fixed computer system.

The public investor 5 is an entity that actually invests (eg, stock investment) with its own assets, and can communicate with the investment information sharing system 10 in any way to share information and / or strategies related to investment. can For example, the public investor 5 may refer to any terminal that communicates with the investment information sharing system 10 through a communication channel. Public investors 5 can receive compensation from the investment information sharing system 10 by sharing their information with users.

My data system 7 may refer to a system operated for my data (mydata). My Data can refer to a series of processes in which individuals manage their own information and utilize personal information for credit or asset management. An individual can grant the information consumer the right to his/her own information, that is, personal credit information, and the My Data system 7 collects personal credit information distributed among multiple entities (eg, financial institutions) into one place. It can be collected and provided to the consumer of the information. In some embodiments, My Data system 7 may be operated by an authorized institution (eg, Korea Financial Telecommunications and Clearings Institute).

The investment information sharing system 10 may have the authority to inquire the personal credit information of the public investor 5, and may receive the personal credit information of the public investor 5 from the My Data system 7. The investment information sharing system 10 may share the personal credit information of the public investor 5 received from the My Data system 7 with the user 3 when the requirements are met. In this specification, the personal credit information of the public investor 5 shared with the user 3 through the investment information sharing system 10 may be referred to as shared information. As shown in FIG. 1, the investment information sharing system 10 includes a user interface 11, an investor selection unit 12, an investor database 13, a My Data interface 14, an information providing unit 15, an advertisement It may include a selection unit 16, an open investor reward unit 17, and an investor interface 18.

The user interface 11 may receive user information from the user 3 and may provide shared information to the user 3 . In some embodiments, the user interface 11 may provide the user 3 with an interface for payment (or payment), as described below with reference to FIG. 6 . User information may include various items representing the user 3 . For example, user information may include at least one of identification information (eg, age, gender, occupation, etc.), investment propensity, investment amount, investment period, item of interest, and stock market. As will be described later, user information can be used to identify public investors that match the user 3, and can also be used to select advertisements suitable for the user 3.

The investor selection unit 12 may receive user information from the user interface 11, and select at least one public investor matching the user 3 among a plurality of public investors in the list of public investors stored in the investor database 13. can be selected. In some embodiments, the investor selection unit 12 determines at least one based on a similarity between user information and information about public investors stored in the investor database 13 (in this specification, it may be referred to as investor information). Public investors may be selected. To this end, the investor database 13 may store investor information on a plurality of public investors. In some embodiments, investor information may include the same items as user information. In some embodiments, the investor information may include some of the shared information (eg, rate of return, assets, etc.) received from the My Data system 7 through the My Data interface 14. Hereinafter, it is assumed that the investor selection unit 12 has selected the public investor 5 of FIG. 1 based on the user information of the user 3 . An example of the operation of the investor selection unit 12 will be described later with reference to FIG. 3 , and an example of investor information will be described later with reference to FIG. 4 .

The MyData interface 14 may provide an interface to the MyData system 7. For example, my data interface 14 can legitimately receive shared information from the my data system 7 based on the rights received from the owners of investor information stored in the investor database 13, that is, a plurality of public investors. can My data interface 14 can receive the identification information of the public investor 5 from the investor selection unit 12, and receives the shared information of the public investor 5 from the my data system 7 based on the identification information. can do.

The information provider 15 may receive shared information from the My Data system 7 through the My Data interface 14 and provide the shared information to the user 3 through the user interface 11 . In some embodiments, the information providing unit 15 may limit sharing information provided to the user 3 according to conditions. For example, the user 3 may have a grade according to the paid cost, and the information providing unit 15 may provide shared information to the user 3 within a range according to the grade of the user 3 . In some embodiments, the information providing unit 15 may transmit a message to the user 3 through the user interface 11 to inform when a change (eg, stock trading) occurs in shared information. Accordingly, the user 3 can check the stock trading of the public investor 5 in almost real time, and can consider it for his/her own investment. An example of an operation of the information providing unit 15 will be described later with reference to FIGS. 2 and 6 .

The advertisement selector 16 may provide advertisements to the user 3 through the user interface 11 . For example, the advertisement selection unit 16 may receive user information from the user interface 11 and may select at least one advertisement that most closely matches user information among a plurality of pre-registered advertisements. The advertisement selector 16 may provide the user 3 with at least one selected advertisement through the user interface 11, and the user 3 may be exposed to an advertisement belonging to his or her field of interest. Accordingly, advertisers can enjoy a high advertising effect, and an operator of the investment information sharing system 10, that is, a business providing an investment information sharing service, can earn profits. An example of the operation of the advertisement selector 16 will be described later with reference to FIG. 8 . In some embodiments, advertisement selector 16 may be omitted from investment information sharing system 10 .

Investor interface 18 may provide an interface to investors. For example, investor interface 18 may authenticate a public investor 5 based on data stored in investor database 13, receive a request from an authenticated public investor 5, or authenticate public investor 5. ) can be compensated.

The public investor compensation unit 17 may determine compensation to be provided to the public investor 5 when the requirements are met, and may provide compensation to the public investor 5 through the investor interface 18 . For example, the public investor compensation unit 17 may determine the size of compensation for the public investor 5 based on the cost paid by the user 3 to acquire the shared information of the public investor 5, A reward of a determined size may be provided to the public investor 5 through the investor interface 18 . In some embodiments, the provision of compensation to public investor 5 by investor interface 18 may provide information indicative of the compensation accrued, the compensation actually being owned by public investor 5. It can happen in different ways. For example, the public investor compensation unit 17 increases the reserve (or convertible points) held by the public investor 5 in the investor information about the public investor 5 stored in the investor database 13, An amount corresponding to the reward may be deposited into the registered account of the public investor (5). Public investors (5) can earn profits by sharing their information, and can earn higher profits as more users search their information. Accordingly, the public investor 5 can share quality information or strive to obtain a high return on investment, and users can obtain more quality shared information.

2 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. As shown in Figure 2, the method for sharing investment information may include a plurality of steps (S10 to S40). In some embodiments, the method of FIG. 2 may be performed by the investment information sharing system 10 of FIG. 1 . In the following, FIG. 2 will be described with reference to FIG. 1 .

Referring to FIG. 2 , user information may be received in step S10. For example, the user interface 11 may receive user information from the user 3 . As described above with reference to FIG. 1, the user 3 may access the investment information sharing system 10 to obtain shared information of public investors, and may share information about himself, that is, user information, with the investment information sharing system ( 10) can be provided.

In step S20, a public investor 5 matching the user 3 may be identified. For example, the investor selection unit 12 is a public investor 5 that matches the user 3 based on the user information received in step S10, that is, a disclosure capable of providing the most suitable shared information to the user 3 Investors (5) can be identified. The investor selection unit 12 may identify a single public investor or may identify two or more public investors. An example of step S20 will be described later with reference to FIG. 3 .

In step S30, first sharing information may be received. For example, the investor selection unit 12 may receive the first shared information of the public investor 5 identified in step S20 from the My Data system 7 through the My Data interface 14. The first shared information may be part of the shared information of the public investor 5 that can be received from the My Data system 7. In some embodiments, the first shared information may correspond to minimum information required to recommend the public investor 5 identified in step S20 to the user 3 . For example, the first shared information may include at least one of identification information of the public investor 5, investment propensity, investment amount, investment period, and rate of return.

In step S40, the first shared information may be provided to the user 3. For example, the information providing unit 15 may receive the first shared information from the My Data system 7 through the My Data interface 14, and transmit the first shared information through the user interface 11 to the user ( 3) can be provided. The first shared information provided to the user 3 may induce a desire of the user 3 for additional shared information about the public investor 5 or some of the plurality of public investors.

3 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. Specifically, the flowchart of FIG. 3 shows an example of step S20 of FIG. 2 . As described above with reference to FIG. 2 , public investors matching the user may be identified in step S20′ of FIG. 3 . As shown in FIG. 3 , step S20′ may include steps S22 and S24. In some embodiments, step S20′ of FIG. 3 may be performed by the investor selection unit 12 of FIG. 1 , and FIG. 3 will be described with reference to FIG. 1 below.

Referring to FIG. 3 , a similarity between items of user information and items of investor information may be calculated in step S22. As described above with reference to the figures, user information may be provided from the user 3, and investor information may be obtained from the investor database 13. Each of the user information and investor information may include a plurality of values corresponding to a plurality of items. Also, user information and investor information may include at least one common item. The investor selection unit 12 may calculate similarities between values corresponding to common items.

In some embodiments, a degree of similarity may be calculated based on a distance between vectors of dimensions corresponding to the number of items in common. For example, a first vector may be generated from user information, elements of the first vector may each correspond to common items, and each may have values included in the user information. In addition, a plurality of second vectors respectively corresponding to a plurality of common investors may be generated from the investor information, elements of one second vector may each correspond to common items, and a value corresponding to one public investor. can have each. Distances between the first vector and the plurality of second vectors, for example Euclidean distances, may be calculated, and a low Euclidean distance may correspond to a high degree of similarity.

At step S24, at least one public investor may be determined. For example, the investor selection unit 12 may determine at least one public investor to be recommended to the user 3 based on the similarities calculated in step S22. The investor selection unit 12 may determine one public investor corresponding to the maximum degree of similarity, or may determine a predefined number of public investors. In some embodiments, when a degree of similarity is calculated based on a distance between vectors, a second vector corresponding to the closest distance and a public investor corresponding thereto may be identified.

4 is a diagram illustrating investor information according to an exemplary embodiment of the present disclosure. As described above with reference to FIG. 1, investor information may be stored in the investor database 13, and the investor selection unit 12 may browse the investor information by accessing the investor database 13.

Investor information may include values respectively corresponding to a plurality of investors in a plurality of items. For example, as shown in FIG. 4, investor information may include, as items, name, age, gender, investment propensity, investment amount, investment period, market, industry/sector, major item name, holding quantity, and rate of return. . As described above with reference to FIG. 3, investor information and user information may commonly include items for similarity calculation. For example, in the example of FIG. 4 , age, gender, investment propensity, investment amount, investment period, market, industry/sector, and items of interest may also be included in user information, and the values of the corresponding items may be used when calculating similarity. For example, the value of the industry/sector item of interest to the user and the value of the industry/sector item to which the major stock names of public investors belong may be compared, and the difference between the two values may be reflected in the degree of similarity.

Items included in user information and/or investor information may include an item having one value among a limited number of different values and an item having one value among continuous values. For example, each gender, investment propensity, market, industry/sector, and interest item in FIG. 4 can have one of a limited number of different values, while each of age, investment amount, and investment period is one of continuous values. can have a value of In some embodiments, as will be described later with reference to FIGS. 5A and 5B , two or more ranges may be set for similarity determination in items having one of continuous values, and accordingly, the corresponding items are limited. It can be converted to an item that has a value of one of a number of different values.

5A and 5B are diagrams illustrating examples of an item in accordance with example embodiments of the present disclosure. Specifically, the tables of FIGS. 5A and 5B show examples of an item having one value among a limited number of different values converted from an item having one value among continuous values for similarity calculation. In some embodiments, an item having one of consecutive values may be converted to calculate similarity between user information and investor information. Hereinafter, FIGS. 5A and 5B will be described with reference to FIG. 4 , and overlapping descriptions of FIGS. 5A and 5B will be omitted.

Referring to FIG. 5A , an investment can be converted into an item having one of three different values. For example, as shown in FIG. 5A , an investment having one of successive amounts of money as a value may be converted into an item having one of a small amount, a medium amount, and a large amount according to the amount. In FIG. 5A , it is noted that the reference amounts for classifying small, medium, and large amounts are merely examples, and small, medium, and large amounts may be classified based on different amounts as shown in FIG. 5A.

In some embodiments, when the degree of similarity is calculated based on the distance between the vectors, the minor, medium, and major values may each correspond to different values, eg sequentially increasing or decreasing values, respectively. Accordingly, the difference between the small amount and the heavy amount may be smaller than the difference between the small amount and the large amount. The difference between the sequential values corresponding to the small amount, the medium amount, and the large amount, respectively, may be determined according to the importance of the investment. For example, when investment money has a higher importance than other items, the difference between sequential values may be set relatively large, and accordingly, the similarity between different user information and investor information in investment money may have a low value. On the other hand, if investment money has a lower importance than other items, the difference between sequential values can be set relatively small, and thus the similarity between user information and investor information can be less affected by investment money.

Referring to FIG. 5B, the investment period may also be converted into an item having one of three different values. For example, as shown in FIG. 5B, an investment period having a value of one period among consecutive periods may be converted into an item having a value of one of short term, medium term, and long term depending on the period. In FIG. 5B, it is noted that the reference periods for distinguishing short, medium, and long term are only examples, and that short, medium, and long term can be distinguished based on different periods as shown in FIG. 5B.

In the examples of FIGS. 5A and 5B described above, each of the investment amount and the investment period is converted into an item having one of three values, but it is noted that exemplary embodiments of the present disclosure are not limited thereto. For example, at least one of the investment amount and the investment period may be converted into an item having one value among two or four or more values.

6 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. As shown in Figure 6, the method for sharing investment information may include a plurality of steps (S50 to S70). In some embodiments, the method of FIG. 6 may be performed after step S40 of FIG. 2 is performed. In some embodiments, the method of FIG. 6 may be performed by the investment information sharing system 10 of FIG. 1 , and FIG. 6 will be described with reference to FIG. 1 below.

Referring to FIG. 6 , it may be determined in step S50 whether to pay the cost. For example, the user interface 11 may provide the user 3 with the first shared information from the information provider 15 and then provide a payment interface according to the user 3's selection. The payment interface may include an interface for the user 3 to make an online payment, or may include an interface for using reserve money (or points) corresponding to the amount the user 3 has paid in advance. The user 3 may proceed with payment through the payment interface provided from the user interface 11 , and the information providing unit 15 may identify payment of expenses through the user interface 11 . As shown in FIG. 6 , when payment is identified, step S60 may be subsequently performed.

The user 3 may pay for one of a variety of products. For example, the user 3 may pay a first amount to confirm only fragmentary shared information of a specific public investor, and may pay a second amount to confirm all shared information of a specific public investor; A third amount may be paid to confirm all shared information for any public investors. The first amount, the second amount, and the third amount may be amounts that increase sequentially, and payment may be requested every predetermined period (eg, one month).

In step S60, second shared information may be provided to the user 3. For example, the information providing unit 15 may provide second information to the user 3 who has completed payment of expenses. The second shared information may be part of the shared information of the public investor 5 that can be received from the My Data system 7, and may be different from the first information of FIG. 2. In some embodiments, the second shared information may correspond to valid information that can be directly referred to the investment of the user 3 . For example, the second shared information may include at least one of holding stocks of the public investor 5 and transaction details for each period. The transaction details by period may include transaction details performed by the public investor 5 for a relatively long period such as one hour, one minute, and tens of seconds as well as a relatively long period such as a month or a day. ) can check the transaction of the public investor (5) in almost real time.

In step S70, compensation may be provided to the public investor 5. For example, the public investor compensation unit 17 may provide compensation to the owner of the second shared information provided to the user 3, that is, the public investor 5. In some embodiments, the public investor compensation unit 17 may provide a part of the cost paid by the user 3 to obtain the second information to the public investor 5 as compensation, and the user 3 The difference between the cost paid and the compensation provided to the public investor 5 can be utilized to the benefit of the operator of the investment information sharing system 10 . The public investor 5 can make efforts to acquire more users (ie, subscribers), and accordingly, better quality information can be provided to the user 3 .

Fig. 7 is a message diagram illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. Specifically, the message diagram of FIG. 7 shows mutual operations for sharing investment information between the user 72, the system 74, the My Data system 76 and the public investor 78 over time.

Referring to FIG. 7 , in step S110, the user 72 can access the system 74 and join the investment information sharing service as a member. The user 72 may provide the system 74 with his or her own information about investment, that is, user information, during the membership sign-up process.

At step S120 , system 74 may recommend public investor 78 to user 72 . For example, the system 74 may select a public investor 78 that matches the user 72 based on the user information received from the user 72 in step S110, and select the selected public investor 78. It can be recommended to the user 72. The user 72 may search for a desired public investor in a variety of ways, as well as the public investor 78 recommended by the system 74 . In some embodiments, where multiple public investors are nominated, system 74 may provide user 72 with a list of public investors ordered by degree of matching (or level of similarity), which public investor list is public. It may include the degree of matching (or similarity) of investors.

At step S130, the user 72 can connect to the system 74 and pay the bill. For example, user 72 may pay in step S120 to acquire shared information of public investors 78 recommended by system 74 or self-searched. As described above with reference to FIG. 6 , the user 72 may pay for one of various products according to the range of shared information desired by the user 72 .

At step S140 , system 74 may provide a reward to public investor 78 . For example, in response to a payment by user 72 to obtain public investor 78 shared information, system 74 may provide a reward to public investor 78 .

In step S150, the system 74 may receive sharing information from the My Data system 76. For example, the system 74 may determine the range of shared information of the public investor 78 according to the cost paid in step S130 (ie, according to the product), and share information corresponding to the determined range to the My Data system. (76).

At step S160 , system 74 may provide shared information to user 72 . In some embodiments, steps S150 and S160 may be performed repeatedly. For example, when the user 72 purchases a product that provides transaction details of the public investor 78 in real time, the system 74 periodically accesses the My Data system 76 to identify updates of shared information If the shared information is updated, the shared information may be immediately received and provided to the user 72 .

8 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. Specifically, the flowchart of FIG. 8 shows step S80 of providing an advertisement to a user. As shown in FIG. 8 , step S80 may include step S82 and step S84. In some embodiments, step S80 may be performed by the advertisement selector 16 of FIG. 1 , and FIG. 8 will be described with reference to FIG. 1 below.

Referring to FIG. 8 , an advertisement may be selected based on user information in step S82. For example, the advertisement selector 16 may receive user information from the user 3 through the user interface 11 . The advertisement selector 16 may determine the field of interest of the user 3 as one of a plurality of predefined fields based on the value of at least one of the items included in the user information, and determine among the plurality of advertisements. You can select advertisements that correspond to your interests.

In step S84, the selected advertisement may be presented to the user 3. The advertisement selected in step S82 may be exposed to the user 3 in various ways. For example, the advertisement may be exposed through a banner activated when the user clicks on the display of the terminal of the user 3 or through the entire display for a certain period of time. In some embodiments, when the user 3 subscribes to a product that skips advertisements, the advertisement selector 16 may not provide advertisements to the user 3 based on the subscribed product. Further, in some embodiments, when user 3 actively views an advertisement, for example, clicking on a banner and completing viewing of a prepared video on the screen converted by clicking, user interface 11 may identify this. And, the advertisement selection unit 16 (or other components of the investment information sharing system 10) may provide a reward to the user 3 by increasing the user 3 points (or reserves).

9 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. Specifically, the flowchart of FIG. 9 shows step S100 of registering a new public investor. As shown in FIG. 10 , step S100 may include a plurality of steps S110 to S160. In some embodiments, the investment information sharing system 10 of FIG. 1 may further include an investor evaluation unit, and step S100 may be performed by the investor evaluation unit. Hereinafter, it is assumed that the investment information sharing system 10 of FIG. 1 includes an investor evaluation unit, and FIG. 9 will be described with reference to FIG. 1 .

Referring to FIG. 9 , investor information of candidate investors may be obtained in step S110. For example, the investor database 13 may store investor information of candidate investors as well as public investors. As described below, a candidate investor may be registered as a public investor if it meets certain requirements.

In step S120, candidate investors may be filtered. For example, the investor evaluation unit may obtain shared information of candidate investors through the My Data interface 14 based on the investor information obtained in step S110. The investor evaluation unit may evaluate shared information of candidate investors based on predefined criteria, and filter the candidate investors by excluding candidate investors corresponding to shared information that does not meet the predefined criteria. For example, the investor evaluation unit may compare a standard rate of return corresponding to an investment period with a rate of return of a candidate investor, and may exclude a candidate investor that is less than a standard rate of return.

In step S130, shared information of the filtered candidate investors may be provided to the reviewer. In some embodiments, the investment information sharing system 10 of FIG. 1 may further include a reviewer interface, and the investor appraiser may communicate with at least one reviewer via the reviewer interface. At least one examiner may determine whether the candidate investor can be converted into an open investor based on the shared information of the candidate investor provided from the investment information sharing system 10 . Like the user 3 and the public investor 5, the reviewer may also refer to a terminal used by the reviewer.

In step S140, a response may be received from the examiner. For example, the investor appraisal unit may receive a response from the reviewer through the reviewer interface. The reviewer's response may include information about the owner of the shared information provided in step S130, ie, candidate investor.

In step S150, it may be determined whether the examiner's response is an affirmative response. For example, the investor evaluation unit may analyze the response received from the reviewer in step S140. As shown in FIG. 9 , in case of an affirmative response, step S160 may be subsequently performed.

In step S160, the candidate investor may be converted into a public investor. For example, the investor evaluation unit may add an open investor by converting the candidate investor into a public investor according to the positive response received in step S140. Accordingly, the shared information of the added public investor can be shared with the user 3, and the added public investor can receive compensation when their shared information is shared.

10 is a flow chart illustrating a method for sharing investment information according to an exemplary embodiment of the present disclosure. Specifically, the flowchart of FIG. 10 shows step S200 of evaluating existing public investors. In some embodiments, the investment information sharing system 10 of FIG. 1 may further include an investor evaluation unit, and step S200 may be performed by the investor evaluation unit. Hereinafter, it is assumed that the investment information sharing system 10 of FIG. 1 includes an investor evaluation unit, and FIG. 10 will be described with reference to FIG. 1 .

Referring to FIG. 10 , public information of public investors may be received in step S210. As described above with reference to FIG. 9 , an operation of converting an existing public investor that does not meet the requirements into a candidate investor may be performed together with registering a candidate investor that meets certain requirements as a new public investor. In order to evaluate public investors, the investor evaluation unit may receive shared information of public investors through the My Data interface 14.

In step S220, publishers may be filtered. For example, the investor appraisal unit may evaluate public investors' shared information based on predefined criteria, and may filter public investors by excluding public investors whose shared information does not meet the predefined criteria. . For example, the investor appraisal unit may compare the standard rate of return corresponding to the investment period with the rate of return of public investors, and may exclude public investors that are less than the standard rate of return.

In step S230, shared information of filtered public investors may be provided to the reviewer. In some embodiments, the investment information sharing system 10 of FIG. 1 may further include a reviewer interface, and the investor appraiser may communicate with at least one reviewer via the reviewer interface. At least one examiner may determine whether the public investor can maintain the qualification of the public investor based on the shared information of the public investor provided from the investment information sharing system 10 .

In step S240, a response may be received from the examiner. For example, the investor appraisal unit may receive a response from the reviewer through the reviewer interface. The reviewer's response may include the owner of the shared information provided in step S230, that is, information about the public investor.

In step S250, it may be determined whether the examiner's response is a negative response. For example, the investor evaluation unit may analyze the response received from the reviewer in step S240. As shown in FIG. 10 , in case of a negative response, step S260 may be subsequently performed.

In step S260, public investors may be converted to candidate investors. For example, the investor evaluation unit may reduce the number of open investors by converting the open investors into candidate investors according to the negative response received in step S240. Accordingly, the shared information of the unregistered public investor, that is, the candidate investor, may not be shared with the user 3, and the candidate investor may not receive compensation due to the sharing of the shared information.

In some embodiments, the judge may be replaced with a machine learning model trained by sample shared information about multiple investors. For example, the investment information sharing system 10 of FIG. 1 may implement a machine learning model, and the machine learning model may be trained based on sample sharing information about a plurality of investors and whether the plurality of investors are eligible. . Accordingly, the shared information of the candidate investor of FIG. 9 may be provided to the machine learning model, and a response regarding whether to convert to a public investor may be output from the machine learning model. 10 may be provided to the machine learning model, and a response regarding whether to maintain the public investor may be output from the machine learning model.

11 is a block diagram illustrating a computer system 110 according to an exemplary embodiment of the present disclosure. In some embodiments, computer system 110 of FIG. 11 may perform the method for sharing investment information described above with reference to the figures.

Computer system 110 may refer to any system including a general purpose or special purpose computing system. For example, computer system 110 may include a personal computer, server computer, laptop computer, consumer electronics, and the like. As shown in FIG. 11 , the computer system 110 includes at least one processor 111, a memory 112, a storage system 113, a network adapter 114, an input/output interface 115, and a display 116. can include

At least one processor 111 may execute a program module including computer system executable instructions. A program module may include routines, programs, objects, components, logic, data structures, etc. that perform particular tasks or implement particular abstract data types. Memory 112 may include computer system readable media in the form of volatile memory, such as random access memory (RAM). At least one processor 111 may access memory 112 and execute instructions loaded into memory 112 . The storage system 113 is capable of storing information non-volatilely, and in some embodiments includes at least one program product comprising a program module configured to perform the method for sharing investment information described above with reference to the figures. can do. A program may include, by way of non-limiting example, an operating system, at least one application, other program modules, and program data.

The network adapter 114 may provide connectivity to a local area network (LAN), a wide area network (WAN), and/or a public network (eg, the Internet), and the like. The input/output interface 115 may provide a communication channel with peripheral devices such as a keyboard, pointing device, audio system, and the like. The display 116 may output various information so that the user can check.

In some embodiments, the method for sharing investment information described above with reference to the figures may be implemented as a computer program product. The computer program product may include a non-transitory computer readable medium (or storage medium) containing computer readable program instructions for causing at least one processor 111 to perform a method for sharing investment information. Computer readable instructions include, but are not limited to, assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine dependent instructions, microcode, firmware instructions, state setting data, or source code written in at least one programming language; It can be object code.

The computer readable medium may be any tangible medium capable of non-temporarily holding and storing instructions executed by at least one processor 111 or any instruction executable device. A computer readable medium may be, but is not limited to, an electronic storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any combination thereof. For example, computer readable media include portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), electrically erasable read only memory (EEPROM), flash memory, and static random access memory (SRAM). ), a mechanically encoded device such as a CD, DVD, memory stick, floppy disk, punch card, or any combination thereof.

As above, exemplary embodiments have been disclosed in the drawings and specifications. Embodiments have been described using specific terms in this specification, but these are only used for the purpose of explaining the technical idea of the present invention, and are not used to limit the scope of the present invention described in the meaning or claims. . Therefore, those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (17)

As a method for investment information sharing service performed by the system,
Receiving user information from a user;
identifying at least one public investor matching the user, based on the user information and first investor information about a plurality of public investors;
Receiving first shared information of the at least one public investor from the My Data system; and
Providing the first shared information to the user;
Wherein the first shared information includes personal credit information of the at least one public investor. The method of claim 1,
Each of the user information and the investor information includes a plurality of items,
The step of identifying at least one public investor,
calculating a degree of similarity between items included in the user information and items included in the investor information; and
and determining the at least one public investor of the plurality of public investors based on the degree of similarity. The method of claim 2,
The plurality of items include at least one of identification information, investment purpose, investment propensity, investment amount, investment period, stock of interest, and stock market. The method of claim 1,
The first shared information includes at least one of identification information, investment propensity, investment amount, investment period, and rate of return. The method of claim 1,
identifying payment of a cost from the user;
Receiving second shared information of the at least one public investor from the My Data system; and
Further comprising providing second shared information about the at least one public investor to the user;
Wherein the second shared information includes personal credit information of the at least one public investor. The method of claim 5,
The method characterized in that the second shared information includes at least one of holding items and transaction details for each period. The method of claim 5,
Based on the cost, providing compensation to the at least one public investor. The method of claim 1,
selecting at least one advertisement from among a plurality of advertisements based on the user information; and
and presenting the at least one advertisement to the user. The method of claim 1,
obtaining second investor information on candidate investors;
filtering the candidate investors based on shared information of the candidate investors;
providing shared information of filtered candidate investors to a reviewer; and
Based on the response received from the judge, converting the filtered candidate investor to a public investor. The method of claim 1,
filtering the plurality of public investors based on shared information of the plurality of public investors;
Providing shared information of filtered public investors to a reviewer; and
Based on the response received from the reviewer, converting the filtered public investor to a candidate investor. at least one processor; and
A system including a non-transitory storage medium storing instructions to cause the at least one processor to perform the method of claim 1 when executed by the at least one processor. A non-transitory computer-readable storage medium containing instructions,
The instructions, when executed by at least one processor, cause the at least one processor to perform the method of claim 1. As a system for investment information sharing service,
a user interface configured to receive user information from a user;
My Data interface configured to receive shared information on a plurality of public investors from the My Data system;
an investor selection unit configured to identify at least one public investor matching the user, based on the user information and first investor information about the plurality of public investors; and
An information providing unit configured to receive first shared information of the at least one public investor through the My Data interface and provide the first shared information to the user through the user interface;
The system characterized in that the first shared information includes personal credit information of the at least one public investor. The method of claim 13,
The user interface is configured to provide the user with an interface for paying a fee;
The information provider,
When payment of the cost is not identified, providing the first shared information to the user through the user interface;
and providing second shared information of the at least one public investor to the user through the user interface when payment of the cost is identified. The method of claim 13,
and an advertisement selector configured to select at least one advertisement from among a plurality of advertisements based on the user information and to provide the at least one advertisement to the user through the user interface. The method of claim 13,
Based on the second investor information on the candidate investors, the candidate investors are filtered, shared information of the filtered candidate investors is provided to a judge, and the filtered candidate investors are designated as public investors based on a response received from the judge. The system further comprising an investor appraisal unit configured to convert. The method of claim 16
The investor evaluation department,
Filtering the plurality of public investors based on the shared information of the plurality of public investors, providing the investor's shared information about the filtered public investor to the reviewer, and based on a response received from the reviewer, the filtered disclosure A system configured to convert an investor into a candidate investor.

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