KR20230144839A - Server and method for providing investment information based on behavior pattern and investment style of investor - Google Patents

Abstract

The server that provides investment information based on the investor's investment portfolio performs keyword extraction to extract at least one investment keyword associated with each investment item for each investment item included in the investment portfolio based on a plurality of investment-related documents collected in real time. wealth; A core keyword selection unit that selects a plurality of core keywords that reflect the investor's investment propensity based on the investor's behavior pattern related to the extracted at least one investment keyword for each of the plurality of investment items, corresponding to a plurality of preset characteristic items An investment style information derivation unit that derives investment style information for investors based on basic data for a plurality of investment items, and an investment style information derivation unit that provides investment information to the investor's terminal based on a plurality of selected key keywords and the derived investment style information. It may include an information provision unit.

Description

Server and method for providing investment information based on investor behavior patterns and investment style {SERVER AND METHOD FOR PROVIDING INVESTMENT INFORMATION BASED ON BEHAVIOR PATTERN AND INVESTMENT STYLE OF INVESTOR}

The present invention relates to a server and method for providing investment information based on an investor's investment portfolio.

Previously, investment items suitable for individual investors were provided through a method of analyzing their investment propensity. These methods of analyzing the investment propensity of individual investors include the investment propensity analysis method by questionnaire, as shown in Figure 1, and the analysis of demographically similar affiliation groups based on demographics (e.g., statistics according to age, gender, asset level, etc.). This may include an analysis method based on ownership proportion (or search frequency) and an analysis method of the frequency of stocks additionally searched by a set of users who viewed stocks recently searched by an individual.

However, these existing analysis methods only perform the function of recommending additional items that may be of interest to individuals based on a pre-established algorithm structure, and do not properly provide the basis for recommendation through analysis of the individual's investment propensity and accurate investment style. There are vulnerabilities that cannot be presented.

Korean Patent Publication No. 2015-0083620 (published on July 20, 2015)

The present invention is intended to solve the problems of the prior art described above, and selects a plurality of core keywords that reflect the investor's investment propensity based on the investor's behavior pattern related to the investment keywords for each of the plurality of investment items, and basic data for each of the plurality of investment items. Based on this, we seek to derive investment style information about investors. In addition, the present invention seeks to provide investment information to investors based on a plurality of key keywords selected for each investment item and investment style information about the investor.

However, the technical challenges that this embodiment aims to achieve are not limited to the technical challenges described above, and other technical challenges may exist.

As a technical means for achieving the above-described technical problem, a server that provides investment information based on an investor's investment portfolio according to the first aspect of the present invention is included in the investment portfolio based on a plurality of investment-related documents collected in real time. a keyword extraction unit that extracts at least one investment keyword associated with each investment item for each of the plurality of investment items; a core keyword selection unit that selects a plurality of core keywords reflecting the investor's investment propensity for each of the plurality of investment items based on the investor's behavior pattern related to the extracted at least one investment keyword; an investment style information deriving unit that derives investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items; and an investment information provider that provides investment information to the investor's terminal based on the selected plurality of key keywords and the derived investment style information.

A method of providing investment information based on an investor's investment portfolio, which is performed by an investment information providing server according to the second aspect of the present invention, is based on a plurality of investment-related documents collected in real time and includes a plurality of investments included in the investment portfolio. Extracting at least one investment keyword associated with each investment item for each item; selecting, for each of the plurality of investment items, a plurality of key keywords reflecting the investor's investment propensity based on the investor's behavior pattern related to the extracted at least one investment keyword; Deriving investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items; And it may include providing investment information to the investor's terminal based on the selected plurality of key keywords and the derived investment style information.

The above-described means for solving the problem are merely illustrative 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 of the invention.

According to any one of the means for solving the problems of the present invention described above, the present invention can provide investment information to investors based on a plurality of key keywords reflecting the investor's investment tendency and investment style information about the investor.

Through this, the present invention can define an investor's investment propensity based on key keywords and investment style information, and recommend optimal investment information and investment products to the investor using the key keywords and investment style information.

In addition, the present invention can secure standardized evidence for optimal investment product recommendation through key keywords and investment style information.

Figure 1 is a diagram to explain a method of analyzing the investment propensity of an individual investor.
Figure 2 is a block diagram of an investment information providing server according to an embodiment of the present invention.
Figures 3A to 3C are diagrams for explaining a method of setting keywords for investment items according to an embodiment of the present invention.
Figure 4 is a diagram illustrating a method of selecting a plurality of key keywords that reflect an investor's investment propensity, according to an embodiment of the present invention.
Figure 5 is a flowchart showing a method of providing investment information based on an investor's investment portfolio, according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to be "connected" to another part, this includes not only the case where it is "directly connected," but also the case where it is "electrically connected" with another element in between. . Additionally, when a part "includes" a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware.

In this specification, some of the operations or functions described as being performed by a terminal or device may instead be performed on a server connected to the terminal or device. Likewise, some of the operations or functions described as being performed by the server may also be performed on a terminal or device connected to the server.

Hereinafter, specific details for implementing the present invention will be described with reference to the attached configuration diagram or processing flow diagram.

Figure 2 is a block diagram of an investment information providing server 20 according to an embodiment of the present invention.

Referring to FIG. 2, the investment information providing server 20 may include a keyword extraction unit 200, a key keyword selection unit 210, an investment style information deriving unit 220, and an investment information providing unit 230. . However, the investment information providing server 20 shown in FIG. 2 is only one implementation example of the present invention, and various modifications are possible based on the components shown in FIG. 2.

The keyword extraction unit 200 may extract at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investor's investment portfolio based on a plurality of investment-related documents collected in real time for a preset period. .

Here, investment-related documents may include, for example, investment reports, economic forecast reports, economic articles, investment-related e-books, etc. written by investment experts (eg, analysts, fund managers, etc.).

Here, each investment item may have a one-to-many relationship with related investment keywords, as shown in Figure 3a.

The keyword extraction unit 200 generates keyword occurrence information based on the publication date or posting date of at least one investment-related document in which each investment keyword associated with a plurality of investment items is mentioned and the number of times each investment keyword is mentioned in at least one investment-related document. can be derived. Here, the keyword occurrence information may include the elapsed days from the most recent keyword occurrence date of the investment keyword to the present.

The keyword extraction unit 200 may map each investment keyword and the keyword occurrence information of each investment keyword for each of the plurality of investment items and store them in an investment keyword table.

Specifically, the keyword extraction unit 200 determines the publication date or posting date of at least one investment-related document in which each investment keyword is most recently mentioned for each investment item among a plurality of investment-related documents collected in real time, and selects the keyword for each investment keyword. It can be set as the occurrence date.

For example, the keyword extraction unit 200 stores the investment keyword of the first investment item extracted from a plurality of investment-related documents collected during the first period and the keyword occurrence date for the investment keyword in the investment keyword table, and The new investment keyword for the first investment item extracted from a plurality of investment-related documents collected during the second period after one period and the new keyword occurrence date for the new investment keyword can be additionally stored in the investment keyword table.

The keyword extraction unit 200 may derive the keyword elapsed date for each investment keyword based on the keyword occurrence date. Here, the keyword occurrence date may be updated as each investment keyword is additionally mentioned in the investment-related document.

The keyword extraction unit 200 may store, for each investment item, the investment keyword associated with each investment item, the keyword occurrence date for the investment keyword, and the keyword elapsed date for the investment keyword in the investment keyword table.

For example, referring to FIG. 3A, the keyword extraction unit 200 extracts the first investment keyword, the second investment keyword, and the third investment keyword associated with the first investment item from a plurality of investment-related documents, and each investment keyword The keyword occurrence date corresponding to can be derived. Here, the first keyword occurrence date for the first investment keyword is derived by the period from the publication date of the investment-related document in which the first investment keyword was most recently mentioned (or the publication date on which the investment-related document was published) to the present, and the second The occurrence date of the second keyword for the investment keyword is derived from the period from the publication date of the investment-related document in which the second investment keyword was most recently mentioned to the present, and the occurrence date of the third keyword for the third investment keyword is derived from the date of occurrence of the third investment keyword. It can be derived by the period from the date of issuance of the most recently mentioned investment-related document to the present.

Referring to FIG. 3b, the keyword extraction unit 200 derives the first keyword occurrence date (Dt) from the publication date of the investment-related document in which the first investment keyword of the first investment item is most recently mentioned, and from this, the current date The first keyword elapsed date for the first investment keyword can be derived based on the elapsed date until (Dt+n). At this time, the first keyword occurrence date (Dt) for the first investment keyword may be continuously updated with the passage of time to the publication date of the investment-related document in which the first investment keyword is most recently mentioned.

Referring to FIG. 3C, the keyword extraction unit 200 matches the keyword occurrence date for each investment keyword and the keyword elapsed date for the investment keyword for each plurality of investment keywords related to the first investment item to create an investment keyword table (30). ) can be saved in . For example, the keyword extraction unit 200 maps the first investment keyword related to the first investment item, the first keyword occurrence date and the first keyword elapsed date for the first investment keyword, and stores them in the investment keyword table 30. You can.

The keyword extraction unit 200 may derive the number of times each investment keyword is mentioned for each investment keyword in each investment-related document in which each investment keyword is mentioned for each of the plurality of investment items.

The keyword extraction unit 200 may set the weight of each investment keyword differently based on the elapsed date of each keyword. Here, the weight of each investment keyword can be calculated according to [Equation 1].

[Equation 1]

Weight of investment keywords =

Here, P is a preset deceleration factor (eg, 0.98), and N is the elapsed date for the investment keyword.

According to [Equation 1], the smaller the deceleration factor, the more rapidly the weight decrease over time.

The keyword extraction unit 200 may set the weight of each investment keyword differently based on the number of times each investment keyword is mentioned.

The keyword extraction unit 200 may set the weight of the investment keywords associated with each investment item differently based on weight information of a plurality of investment items included in the investor's investment portfolio.

The keyword extraction unit 200 may map the weight set for each investment keyword associated with a plurality of investment items to each investment keyword and store the weight in the investment keyword table. For example, referring to FIG. 3C, the keyword extraction unit 200 maps the weights set for each of the first investment keyword, second investment keyword, and third investment keyword associated with the first investment item to each investment keyword to create an investment keyword. It can be stored in the table 30.

The core keyword selection unit 210 may collect log data including information on keyword access methods for at least one investment keyword extracted for each of a plurality of investment items.

Here, the information on the keyword approach includes a first keyword approach regarding the search of at least one investment keyword, a second keyword approach regarding the search of data in which at least one investment keyword exists, and information on the investment item regarding the investment keyword. May include a third keyword approach for inquiries and transactions.

The core keyword selection unit 210 may collect access frequency information and access date information for each investment keyword according to the investor's keyword approach.

The core keyword selection unit 210 may set different weights for each investment keyword for each keyword approach. Here, the weight may correspond to the strength of the investor's inclination toward the investment keyword.

For example, referring to Figure 4, the key keyword selection unit 210 selects the first investment keyword according to the keyword approach for each of the first investment keyword, second investment keyword, and third investment keyword associated with the first investment item. , weights representing the intensity of the investor's inclination for each of the second investment keyword and the third investment keyword can be set.

The core keyword selection unit 210 may set a weight for each investment keyword based on access frequency information and access date information for each investor's keyword approach collected for each investment keyword.

The core keyword selection unit 210 stores the keyword approach method, access frequency information, access date information, and weight for each investment keyword collected at a preset period (i.e., every update cycle of the core keyword) for a plurality of investment items in a keyword table. can be accumulated.

The core keyword selection unit 210 can analyze the investor's behavior pattern for each investment keyword based on the keyword approach method, access frequency information, access date information, and weight of the investor accessing each investment keyword for a plurality of investment items. .

The core keyword selection unit 210 may select a plurality of core keywords that reflect the investor's investment propensity based on the investor's behavior pattern related to at least one investment keyword extracted for each of the plurality of investment items.

The core keyword selection unit 210 can calculate the investor's keyword suitability for each investment keyword.

Specifically, the core keyword selection unit 210 may calculate a keyword suitability score based on the weight set for each keyword approach for each investment keyword, access frequency information for each keyword approach for each investment keyword, and access date information. Here, the keyword suitability score can be calculated through [Equation 2].

[Equation 2]

Keyword suitability score for investment keyword i =

Here, the activity elapsed period can be derived based on access date information for each keyword access method for each investment keyword.

The core keyword selection unit 210 may select core keywords for each of the plurality of investment items based on the keyword suitability score for each investment keyword for the plurality of investment items.

For example, the core keyword selection unit 210 may sort the keyword suitability scores of each investment keyword in descending order, and select investment keywords within a preset number in order of high score as core keywords.

The core keyword selection unit 210 may update the keyword suitability score for each investment keyword based on the access frequency information and access date information by keyword approach for each investment keyword accumulated and collected at each update cycle of the core keyword.

The core keyword selection unit 210 may reselect core keywords for each of a plurality of investment items based on the keyword suitability score for each investment keyword updated at each core keyword update cycle.

In this way, the present invention updates the keyword suitability score of the investment keyword based on the update cycle of the core keyword and reselects the core keyword, thereby quickly reflecting changes in the investor's response to the ever-changing investment market and changing the investor's investment propensity. can be tracked, and the up-to-dateness of keywords that suit the investor's investment tendencies can be secured.

The investment style information deriving unit 220 may collect basic data for each investment item corresponding to a plurality of preset characteristic items at each preset collection period. Here, the plurality of preset characteristic items include market items, market capitalization items, It may include supply/demand score items, volatility items, value items, and industry items.

Here, the basic data for each investment item may include market information, market capitalization information, supply/demand score information, volatility information, value information, and industry code information for the investment item.

Here, the market information may be, for example, information about which market the investment item belongs to among KOSPI, KOSDAQ, and ETF. Supply and demand score information may include, for example, the transaction amount of investment items, foreign purchase amount, etc. Volatility information may include, for example, the true range of the investment item, monthly fluctuation rate, etc. Value information may include, for example, price book value ratio (PBR) information, price earning ratio (PER) information, price sales ratio (PSR) information, etc. of investment items. You can.

The investment style information deriving unit 220 may derive investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items.

For example, the investment style information deriving unit 220 records basic data for a plurality of investment items in an investment style table, and averages and modes for each characteristic item based on the basic data for a plurality of investment items recorded in the investment style table. You can sort by calculating .

The investment style information deriving unit 220 may calculate an average value for each characteristic item based on basic data for each investment item and derive investment style information based on the average value for each characteristic item.

The investment information provider 230 may provide investment information to the investor's terminal based on a plurality of selected key keywords and derived investment style information.

For example, the investment information provision unit 230 derives the central theme and investment items of the investor's preferred investment based on a plurality of selected key keywords and the derived investment style information, and provides information to the investor based on the derived information. Investment information can be recommended.

Meanwhile, those skilled in the art will know that the keyword extraction unit 200, the key keyword selection unit 210, the investment style information derivation unit 220, and the investment information provision unit 230 are implemented separately, or one or more of them is integrated. You will fully understand that it can be implemented.

Figure 5 is a flowchart showing a method of providing investment information based on an investor's investment portfolio, according to an embodiment of the present invention.

Referring to FIG. 5, in step S501, the investment information providing server 20 creates at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time. It can be extracted.

In step S503, the investment information providing server 20 may select a plurality of core keywords that reflect the investor's investment propensity based on the investor's behavior pattern related to at least one investment keyword extracted for each of the plurality of investment items.

In step S505, the investment information providing server 20 may derive investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items.

In step S507, the investment information providing server 20 may provide investment information to the investor's terminal based on the plurality of selected key keywords and the derived investment style information.

In the above description, steps S601 to S607 may be further divided into additional steps or combined into fewer steps, depending on the implementation of the present invention. Additionally, some steps may be omitted or the order between steps may be changed as needed.

One embodiment of the present invention may also be implemented in the form of a recording medium containing instructions executable by a computer, such as program modules executed by a computer. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and non-volatile media, removable and non-removable media. Additionally, computer-readable media may include all computer storage media. Computer storage media includes both volatile and non-volatile, 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 description of the present invention described above is for illustrative purposes, and those skilled in the art will understand that the present invention can be easily modified into other specific forms without changing the technical idea or essential features of the present invention. will be. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. For example, each component described as unitary may be implemented in a distributed manner, and similarly, components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims described later rather than the detailed description, and all changes or modified forms 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. .

20: Investment information provision server
200: Keyword extraction unit
210: Key keyword selection section
220: Investment style information derivation unit
230: Investment information provision department

Claims (20)

In the server providing investment information,
a keyword extraction unit that extracts at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time;
a core keyword selection unit that selects a plurality of core keywords reflecting the investor's investment propensity for each of the plurality of investment items based on the investor's behavior pattern related to the extracted at least one investment keyword;
an investment style information deriving unit that derives investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items; and
An investment information provision unit that provides investment information to the investor's terminal based on the selected plurality of key keywords and the derived investment style information.
A server that provides investment information, including a.
According to claim 1,
The key keyword selection section above
An investment information providing server that collects log data including information on keyword access methods for the extracted at least one investment keyword.
According to claim 2,
The information about the keyword approach includes a first keyword approach related to searching for the at least one investment keyword, a second keyword approach related to searching for data in which at least one investment keyword exists, and information on investment items related to the investment keyword. An investment information providing server that includes a third keyword approach for inquiries and transactions.
According to claim 2,
An investment information providing server in which different weights are preset for each keyword approach for the at least one investment keyword.
According to claim 4,
The key keyword selection section above
An investment information providing server that collects access frequency information and access date information for each investment keyword by the investor's keyword access method.
According to claim 5,
The key keyword selection section above
An investment information providing server that calculates a keyword suitability score based on a weight set for each keyword approach for each investment keyword, access frequency information for each keyword approach, and access date information for each investment keyword.
According to claim 6,
The key keyword selection section above
An investment information providing server that selects the core keywords for each of the plurality of investment items based on the keyword suitability score.
According to claim 6,
The key keyword selection section above
An investment information providing server that updates the keyword suitability score based on access frequency information and access date information for each keyword access method for each investment keyword accumulated and collected at each update cycle of the core keyword.
According to claim 1,
The basic data is an investment propensity analysis server that includes market information, market capitalization information, supply and demand score information, volatility information, and industry code information for investment items.
According to clause 9,
The above investment style information derivation section
Calculating an average value for each of the plurality of characteristic items based on basic data for each of the plurality of investment items,
An investment propensity analysis server that derives the investment style information based on the average value of each of the plurality of characteristic items.
In a method of providing investment information performed by an investment information providing server,
Extracting at least one investment keyword associated with each investment item for each of the plurality of investment items included in the investment portfolio based on a plurality of investment-related documents collected in real time;
selecting, for each of the plurality of investment items, a plurality of key keywords reflecting the investor's investment propensity based on the investor's behavior pattern related to the extracted at least one investment keyword;
Deriving investment style information for the investor based on basic data for each investment item corresponding to a plurality of preset characteristic items; and
Providing investment information to the investor's terminal based on the selected plurality of key keywords and the derived investment style information.
A method of providing investment information, including:
According to claim 11,
The step of selecting multiple key keywords that reflect the investor's investment propensity is
A method of providing investment information, comprising the step of collecting log data including information on a keyword approach to the extracted at least one investment keyword.
According to claim 12,
The information about the keyword approach includes a first keyword approach related to searching for the at least one investment keyword, a second keyword approach related to searching for data in which at least one investment keyword exists, and information on investment items related to the investment keyword. A method of providing investment information, including a third keyword approach for inquiries and transactions.
According to claim 12,
A method of providing investment information, wherein different weights are preset for each keyword approach for the at least one investment keyword.
According to claim 14,
The step of selecting multiple key keywords that reflect the investor's investment propensity is
A method of providing investment information, comprising the step of collecting access frequency information and access date information for each investment keyword by the investor's keyword access method.
According to claim 15,
The step of selecting multiple key keywords that reflect the investor's investment propensity is
A method of providing investment information, comprising calculating a keyword suitability score based on a weight set for each keyword approach for each investment keyword, access frequency information for each keyword approach, and access date information for each investment keyword. .
According to claim 16,
The step of selecting multiple key keywords that reflect the investor's investment propensity is
A method of providing investment information, comprising the step of selecting the core keyword for each of the plurality of investment items based on the keyword suitability score.
According to claim 17,
The step of selecting multiple key keywords that reflect the investor's investment propensity is
A method of providing investment information, comprising the step of updating the keyword suitability score based on access frequency information and access date information for each keyword access method for each investment keyword accumulated and collected at each update cycle of the core keyword.
According to claim 12,
The basic data includes market information, market capitalization information, supply and demand score information, volatility information, and industry code information for investment items. An investment propensity analysis method.
According to claim 19,
The step of deriving investment style information for the above investor is
calculating an average value for each of the plurality of characteristic items based on basic data for each of the plurality of investment items; and
An investment propensity analysis method comprising deriving the investment style information based on an average value for each of the plurality of characteristic items.

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