TWI626614B - Financial commodity automation investment analysis decision system and method - Google Patents

Abstract

A financial commodity automation investment analysis and decision-making system comprises: an investor operation interface; an investor information unit; a financial product database; a situation unit; a good investment mechanism module; a transaction strategy unit; a tracking unit; Dynamic triggering unit; an integrated unit; a social unit; a digital asset voucher module; a processing module; a transmission module and a decentralized book to record and track the flow of the number of units of the digital asset certificate .

Description

Financial commodity automation investment analysis decision system and method

The invention relates to a financial commodity automation investment analysis decision-making system and method, in particular to a method for collecting various financial products, thereby analyzing the parameters of the financial commodities and estimating the risks and future trends of the financial products, and then investing well The mechanism module selects the financial products with lower risk and better trend in the future as the pocket list of the investment portfolio, and uses the investment mechanism module to judge and judge the financial products with better future trends. A financial commodity investment portfolio suitable for the investor's current investment model, and the investor must be prompted to estimate the winning rate of the financial commodity investment portfolio and conduct real-time monitoring.

There are thousands of types of financial products. At present, there are more than 1,300 stocks in Taiwan stock market and more than 5,000 funds, plus warrants, options, bonds, currencies, etc., and the number of these financial products continues to rise, if investors It is bound to take a considerable amount of time to analyze and understand the principles of the operation of these financial products. There are many trading and monitoring applications on the market, but these applications can only express the current financial products. Past performance, but the collection and communication of pure information, and the so-called simplified information, for the average person, is still dazzling and difficult to choose. In short, these applications can not really do Complex information is simple and simple, and the most important thing is to simplify it to the average person can easily interpret and judge.

At present, many investors hope that the savings will create other investment income, so that they can do more leisure or achieve the goal of early retirement, but these many investments The amount of money that investors may invest at hand is not large. Apart from being professional and not professional, professional financial consultants are less inclined to serve such investors. Investors are generally not familiar with these financial products and have no investment managers. Under the leadership, in the face of a volatile market, often fail to do enough homework, often the loss ended higher.

Even if you find a financial advisor, these investment managers will spend a lot of time sorting out the historical data, news and local economic market fundamentals of the investment project, plus the emotional sentiment of the investment managers. It is inevitable to face the greed and fear of Renxing. There are also cases of misjudgment, and in view of the different investment quotas, mentality, tactics and goals of each investor, the investment managers are even more powerful, and it is really difficult to manage the many investors who want to serve them.

In summary, whether an investment manager or an investment self-employed person currently lacks an automated investment analysis decision-making system that integrates all financial products, the system needs to allow investors to operate easily and digest complex big data information, and automatically analyze one. After multiple portfolios, it is simplified to the extent that the average investor can easily judge the reference. The system can also perform simple annotation analysis or illustration to enable investors to understand the strategic reasons and generate trust of the one or more portfolios; this method will Let the investment manager or the investment individual can simply dispatch the more advantageous investment allocation combination of each investment project from the system to obtain a portfolio of optimized investment mechanism modules. Expected rate of return, and saving manpower in collating and interpreting the time cost of each investment.

Therefore, it has developed a simple operation of automatic financial information collection and analysis of this information to predict compensation, future risks and monitoring investment projects, a financial commodity automation investment analysis decision-making system and method and truly simplify the complex information, and Simplified to the average person can easily interpret and judge. .

Unless otherwise defined, all technical terms used herein have the same meaning as known to one of ordinary skill in the art to which this invention belongs. As used in the specification and the claims Any reference to "or" herein is intended to cover "and/or" unless otherwise indicated.

The elaboration of the present invention is set forth in the <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt;

The present invention discloses an embodiment of a financial commodity automation investment analysis decision system and method, comprising: an investor operation interface; an investor information unit, the investor inputs the investor's plurality of investor information from the investor operation interface The investor information is stored in the investor information unit, and the investor information unit has an investor comprehensive index analysis unit, and the investor comprehensive index analysis unit can generate an investor comprehensive index for the investor information. a financial product database, the financial product database stores information of a plurality of financial products, and the information of the financial products can be accessed by the investor operation interface; a situation unit, the investor operates the interface of the investor Selecting a situation, the situation unit can request the investor to input a plurality of situation information according to the situation, and convert the situation information into one or more context parameters; a good investment mechanism module, the good investment mechanism module storage There is a good investment mechanism, and the good investment mechanism can make use of these financial products. The information judges a plurality of more advantageous financial products, and then introduces one or more situation parameters, the investor's comprehensive indicators and the financial products of the advantages into the good investment mechanism, so as to obtain an optimal investment mechanism model. Group investment portfolio; a trading unit, the investor operating interface provides a button to enable investors to vote for the financial product The portfolio is a cross-platform in-line ordering operation; a trading strategy unit: it has a transaction triggering rule to determine the result of a better timing, transaction size, transaction frequency, transaction cost or transaction path, and according to the result A tracking unit that continuously monitors the financial commodity portfolio, including but not limited to market trends, market volume, changes in investor assets, and investor sentiment and behavior. a dynamic triggering unit, the dynamic triggering unit has a financial commodity analysis unit, and immediately informs the investor when the financial commodity analysis unit determines that the financial commodity market trend deviates from a dynamic ratio, and the dynamic triggering unit immediately notifies a good investment mechanism module The group optimizes the financial commodity portfolio; an integration unit enables the investor to present one or more financial commodity portfolios in a multi-layered configuration to the investor's operational interface in a graphical, proportional or form; a social unit, Investors can interact with other investors through the investor interface.

The system further includes a plurality of digital asset certificates that can be purchased by a physical store or the investor operating the virtual store interface, including but not limited to a one hundred dollar NT converted into a corresponding one hundred A number of asset certificates for the number of units.

The digital asset certificate described in the system can be transferred to other investors through the number of financial commodity units corresponding to the exchange, the number of financial commodity portfolio units, the corresponding service, the good investment digital currency. The present invention further discloses a verification implementation, the system further comprising a digital asset voucher module, the module having a plurality of servers, the servers having a plurality of digital book branch points for transmitting the points in a point-to-point manner The book branch points are interconnected, and the book branch point receives an identification data of at least one digit asset certificate from the investor operation interface to read the corresponding digital asset certificate The number of units or identification data, the servers are used to provide computing resources and receive the identification data, and broadcast the verified identification data, and the plurality of branch points notify a dedicated server to authenticate the authenticity of the identification data, and authenticate After successful, the identification data is distributed and stored in a plurality of digital book branch points; a processing module is configured to generate the corresponding investment after the investor operation interface accepts the number of units of the digital asset certificate and completes the digital visa certification. A good investment account database of the human operation interface, and records the number of units of each digital asset voucher as a good investment account in a data field; and a transmission module for containing the good investment account book record The data field is broadcasted to the branch points for verification and copied as a decentralized book to record and track the flow of the number of units of the digital asset certificate.

Another verification implementation aspect is disclosed. The system further includes a plurality of servers having a plurality of branch points interconnected by a point-to-point manner for providing computing resources and receiving and verifying a The content and scope of the data, the scope of which includes the right to read, write or inspect the data and the past records of the data, and broadcast the content and scope of the verified material, and a number of branch points notify a dedicated server The dedicated server reviews the content, scope and history of the data. After the authentication is successful, the content and scope of the data are stored in a plurality of branch points; and a branch branch point is used to communicate with each other through peer-to-peer methods. The branch points are interconnected, and the book branch point includes: a digital asset voucher module, receiving an identification data of the at least one digit asset voucher from the investor operation interface to read the corresponding unit number of the digital asset voucher; a processing module, the investor uses the unit number of the digital asset certificate and completes the digit in the investor operation interface After the certificate authentication phase should generate investor user interface and user interface of the other investors a good investment books library, and the The number of units of the digital asset certificate and the identification data are written into a data field as a good investment account book; and a transmission module is configured to broadcast the data field including the good investment book record to the branch points. Verification and copying into a decentralized book to record and track the flow of the number of units of the digital asset voucher, that is, the digital asset voucher module can transfer the identification data of the digital asset voucher to the investor to another An investor, when the other investor accepts the number of units of the digital asset certificate and completes the transfer, the good investment book database will write the transfer record into a data field.

The verification implementation form further discloses that after the investor operation interface accepts the financial commodity portfolio configuration and completes the order transaction, the financial asset portfolio configuration corresponding to the number of the digital asset certificate is exchanged, and the branch points are And the book branch point generates a transaction record when the transaction is executed, and broadcasts the transaction record for the branch points and the book branch point to write to the data fields of each of the branch points.

In the verification implementation, the servers have a sequence number uniquely paired with the identification data. When the identification data of the digital asset certificate is input to a good investment account, the servers will use the serial number. After verifying the identification data, the server verifies that the identification data is successful, and then writes the transfer message to the data field and broadcasts to the branch points.

The system further includes a digital asset voucher verification interface, wherein the digital asset voucher verification interface can input an identification data of the digital asset voucher into the digital asset voucher verification interface to confirm whether the rights on the digital asset voucher face are present; The identification data is represented by a barcode, a QR code, and a sequence number.

The situational unit described in the system has a financial target model (regardless of risk, only the target and investable amount are brought into a good investment mechanism to define the financial commodity portfolio), risk Preference model (incorporating a good investment mechanism to define a financial product portfolio based on current preference risk), search model (investors select specific financial products that are currently of interest, systemically defined and configured as financial products with specific financial products) The portfolio is like a black-and-white concept, but it is not randomly configured. The good investment mechanism unit uses the good investment mechanism module to define and select the financial institutions with low correlation coefficient with other financial products to optimize the allocation, so that the specific financial The investment portfolio of the good investment mechanism module of the commodity falls on a good investment mechanism. The investment portfolio of the good investment mechanism module with specific financial products is a financial and commodity investment portfolio with systematic and safe-haven strategies, and the quantity of the specific financial commodity can be For a number of), customized mode (based on self-identified investment attributes), follow-up mode or system recommendation mode (according to the system's judgment of the investor's investment attributes on historical investor behavior patterns as a parameter to bring in a good investment mechanism to define financial products Portfolio); the following pattern is based on another The investor shares the specific self-established (construction) financial commodity investment portfolio established on the social unit, and the specific self-developed financial commodity investment portfolio is a financial commodity investment portfolio established by other investors of the system. People have to browse the social unit through the investor interface.

The system may provide the investor with the number of units of the digital asset certificate to redeem a corresponding investment (“建”) financial commodity investment portfolio established by another corresponding investor on the social unit, the system has a feedback module The benefits of a predetermined dynamic ratio must be distributed back to the relevant investors who are followed. The preset ratio can be 3%~10% of the number of digital asset certificate units invested by the investor in the self-built (construction) financial commodity investment portfolio, and the system can convert 3%~10% of the number of digital asset certificate units into Well invest in digital currency and invest in another investor's good investment in digital currency accounts. When the investment digital currency accumulates to a certain amount, it can be exchanged for real money. Preferably, every 100 units of good investment digital currency can be exchanged. One hundred yuan new station currency.

If the investor invests in the number of units of 2 million digital asset certificates and another investor shares the specific self-built (construction) financial commodity investment portfolio established on the social unit, the system can invest 600,000 to 200,000 in good value for the digital currency. Give back to another investor's well-invested digital currency account, which can be exchanged for real money every hundred yuan and can be assigned to the account.

When an investor converts a specific asset (investment) financial commodity portfolio with a digital asset voucher in a follow-up mode, when another investor who establishes the particular self-developed financial commodity portfolio is interested in the particular When there is any transaction in the commodity portfolio, the system will send a notice to the investor to let the investor know and ask if it is processed in proportion.

Another embodiment of the present invention discloses a financial commodity information investment information analysis method for generating a financial commodity investment portfolio belonging to one investor, the method comprising the following steps: a. requiring the investor to operate through an investor operation interface Selecting a situation to be invested, a plurality of situational information and a plurality of investor information; b. converting the situation and the situation information into one or more context parameters and generating an investor comprehensive indicator for the investor information; Collecting information on a plurality of financial products in a financial product database; d. A good investment mechanism, using the information of the financial products to determine a plurality of more advantageous financial products, and then one or more context parameters, The investor's comprehensive indicators and the financial products of these advantages are brought into the good investment mechanism to obtain a good investment mechanism module investment portfolio; e. Provide a button to enable investors to invest in the investment mechanism module Do a one-click action; f. determine the preferred timing of the order, transaction size, transaction frequency, transaction cost or transaction One result, and in accordance with the orders of the result;. G analysis to determine trends in the financial markets a commodity deviates from a predetermined ratio dynamic triggering unit to take immediate notice of the investment mechanism module of the good investment mechanism module portfolio investment do The portfolio is configured to re-optimize the program. Wherein the method provides an integration unit that presents a portfolio of one or more good investment mechanism modules to the investor's operational interface in a graphical, scale or form in a multi-layered configuration.

The method further provides step e-1 after step e.: providing a plurality of servers having a plurality of branch points connected to each other in a point-to-point manner for providing computing resources and receiving and verifying The content and scope of a document, a plurality of branch points notify a dedicated server, the dedicated server reviews the content, scope and history of the data. After the authentication is successful, the content and scope of the data are stored in a plurality of copies. a branch point; providing a book branch point, wherein the book branch point is interconnected with the branch points by a peer-to-peer method; the book branch point receives an identification data of at least one digit asset certificate from the investor operation interface to read Taking the corresponding number of units of the digital asset certificate; after the investor operation interface accepts the number of units of the digital asset certificate and completes the digital visa certification, the book branch point generates a good investment account information corresponding to the investor operation interface a library, and writing the number of units of the digital asset certificate and the identification data as a good investment book record into a data field; The sub fulcrum good investment books record the broadcast domain data to the plurality of branch points for verification.

The method further provides a step e-2 after the step e. The servers have a plurality of branch points, which are connected to each other through a point-to-point manner to provide computing resources and receive and verify the content of a data and Scope, a plurality of branch points notify a dedicated server, the dedicated server examines the history and content of the data, and after the authentication succeeds, the content and scope of the data are distributed and stored in a plurality of branch points; a book branch point, the book branch point is interconnected with the branch points by a peer-to-peer method; the book branch point receives an identification data of at least one digit asset certificate from an investor operation interface to read the digital asset certificate Corresponding unit When the investor operation interface transfers the digital asset certificate to another investor operation interface, the book branch point generates a good investment account database corresponding to the investor operation interface and another investor operation interface. After another investor operation interface accepts the digital asset certificate and completes the transfer, the identification data of the digital asset certificate and the unit number are written into a data field as a good investment book record; the book branch point will be good The data field of the investment book record is broadcasted to the branch points for verification, that is, the investor has to transfer the number of units of the digital asset certificate to another investor, and the other investor operates the interface to accept the digit. After the number of units of the asset certificate and the transfer is completed, the well-invested book database will write the transfer record to a data field.

Step f further provides step f-1. After the investor operation interface accepts the financial commodity portfolio configuration and completes the order transaction, the unit number of the digital asset certificate can be exchanged for the corresponding financial commodity investment portfolio configuration. The branch point and the book branch point generate a transaction record when the transaction is executed, and broadcast the transaction record for the branch points and the book branch point to write to the data fields of each of the branch points.

The servers described in the method store a sequence number uniquely paired with the identification data. When the identification data of the digital asset certificate is input to a good investment account, the servers will use the serial number. After verifying the identification data, the server verifies that the identification data is successful, and then writes the transfer message to the data field and broadcasts to the branch points.

The method further comprises the following steps after the step d.: d-1 asking the investor whether to place an order according to the target and weight of the financial commodity investment portfolio; if the answer is yes, the investor is requested to provide a digital signature; if the answer is an adjustment, Adjust the investment target and weight according to the investor's consciousness to form an adjusted version of the financial product investment portfolio that the investor completely creates (built) or creates (built). The system will automatically visually compare the investor's complete creation (built). Or a self-made (built) financial commodity portfolio adjustment and The financial commodity portfolio analyzes the expected returns and risk probabilities of the existing portfolio; if the answer is no, the financial commodity portfolio is cancelled and returns to step a.

The financial product portfolio adjustment version in which the investor is completely self-created (established) means that the investor completely abandons all the investment portfolios of the good investment mechanism modules constructed by the system, and all the investors' freedom of consciousness make the selection of financial products as the ingredients. Configuration.

The adjusted version of the financial product portfolio of the investor's own (established) refers to the investment portfolio of the good investment mechanism module that is partially constructed by the system, and only adjusts, cancels or replaces part of the financial products and the configuration of the components.

The method further comprises the following steps after comparing the financial product investment portfolio adjustment version of the investor's own creation (construction) or self-establishment (construction) and the financial institution's investment portfolio analysis of the expected reward and risk probability steps of the existing investment portfolio; Ask the investor whether the financial product portfolio adjustment order is fully created (built) or created (built) by the investor. The answer is yes, after the investor is requested to provide the digital signature, the financial product is The investment portfolio is a cross-platform serial ordering operation; the answer is adjustment, and the investment target and weight are adjusted according to the investor's consciousness to form an investment product adjustment portfolio in which the investor is completely self-created (built) or created (built). If the answer is no, cancel the financial product investment portfolio that the investor completely created (built) or created (built) and return to step a.

The method has the financial target mode, the risk preference mode, the search mode, the customized mode, the follow mode, the system recommendation mode, or the self-created (built) mode in the scenario described in step a. The specific self-developed financial product portfolio established by another investor on a social unit.

Follow-up mode means that another investor will share a specific self-established financial product portfolio built on the social unit, and the system will be established by another investor. The proportion of self-owned (constructed) financial products portfolio is presented in graphics, scale or form. The system will create a follow-up module and a follow-up button in the graph, scale or form. If investors want to follow up, just click After following the button, the document follow-up module established by the system brings the investment allocation ratio of the investment portfolio established by another investor, and requires the investor to follow up the amount of the order and ask the investor again whether to follow When the order is yes, the order button is provided, and the investor who decides to make the order can decide whether to copy the portfolio and make a cross-platform order or the investor by the system for the financial commodity investment portfolio. The number of units held by the digital asset certificate is converted into the specific self-owned (construction) financial commodity investment portfolio.

The self-created (construction) model refers to the creation of a financial commodity investment portfolio by investors. It is necessary to form a free-conscious self-initiated (construction) financial commodity investment portfolio from the financial products that investors prefer, and set their own financial products in this freedom consciousness. The proportion of the self-owned (constructed) financial commodity investment portfolio, the system will judge and present the risk ratio and expected return rate of the free-conscious self-initiated (constructed) financial commodity portfolio, so that investors know.

In addition, according to the investor's sense of freedom, the system can decide how many units of digital asset voucher should be used to exchange orders for a specific investment portfolio, a portfolio of investment mechanism modules, or a free-conscious self-employed ( To build a financial commodity investment portfolio, the system will first determine whether there are enough digital asset certificate units in the investor account to redeem a corresponding investment portfolio module minimum investment portfolio ratio, at least greater than or equal to the smooth investment of investors Perform the action of concatenating orders.

The method includes the step f-2 after the step f.: the investor has to transfer the unit number of the digital asset certificate to an other investor, and the other investor operates the interface to accept the number of units of the digital asset certificate After the transfer is completed, the good investment book database will transfer the record. Write a data field

The investor exchanges the number of units of the digital asset certificate with another corresponding investor to share the specific self-built (construction) financial commodity investment portfolio established on the social unit, and the method further provides a feedback module, which may be a The dynamic proportion of the distribution of benefits is given back to the relevant investors who are followed.

The system further provides a digital asset voucher verification interface, and the investor can input the identification data of the digital asset voucher into the digital asset voucher verification interface to confirm whether the right of the digital asset voucher face exists; wherein the identification data The identification method includes, but is not limited to, mutual authentication by barcode, QR code, and sequence number.

In summary, the present invention has the function of identifying an investor, and is able to tailor an exclusive investment portfolio for an investor according to the investor's behavior pattern, financial status, investment target, age, income, and preference. After understanding investors and diagnosing investors, we will use a good investment mechanism to combine the most advantageous investment mechanism modules into a variety of ways to match suitable investors and invest in financial products authorized by the investor. Combine cross-platform concatenation with one-click ordering.

1‧‧‧Database

2‧‧‧Good investment mechanism module

3‧‧‧Friendly interface

4‧‧‧Social unit

5‧‧‧Digital Asset Certificate Module

11‧‧‧Financial Commodity Database

12‧‧‧Investor Information Unit

21‧‧‧Good investment mechanism module

22‧‧‧Transaction unit

23‧‧‧Transaction Strategy Unit

31‧‧‧Investor Operation Interface

32‧‧‧Integrated unit

33‧‧‧ Tracking unit

41‧‧‧ follow-up module

42‧‧‧ Private Dialogue Unit

43‧‧‧ Live unit

51‧‧‧Good investment account

52‧‧‧Digital Asset Certificate Verification Interface

53‧‧‧Reward module

61‧‧‧Contained portfolio of conservative investment mechanism modules

611‧‧‧Conservative portfolio of investment mechanism modules

62‧‧‧A collection of carefully invested portfolios of investment mechanism modules

621‧‧‧Careful portfolio of investment mechanism modules

63‧‧‧A collection of investment portfolios of robust investment mechanism modules

631‧‧‧Sturdy portfolio of investment mechanism modules

64‧‧‧A collection of investment portfolios of positive investment mechanism modules

641‧‧‧Active portfolio of investment mechanism modules

65‧‧‧A collection of investment portfolios of risky investment mechanism modules

651‧‧‧Adventurous investment mechanism module portfolio

66‧‧‧Financial Commodity Portfolio

The first picture reveals that the integration unit can represent one or more portfolios of good investment mechanism modules in a multi-layered configuration, so that investors can see at a glance the portfolio of one or more good investment mechanism modules. The weight ratio of ethnic groups, market regions and industries.

The second picture reveals a good investment mechanism module built using a good investment mechanism.

The third figure reveals an analysis of the automation investment of financial products according to the present invention. Schematic diagram of the main structure of the decision system.

The fourth figure is a schematic diagram showing a login page of a financial commodity automation investment analysis decision system and method according to the present invention.

The fifth figure reveals that the financial commodity database of the present invention can present information of a plurality of financial products.

The sixth figure is a schematic diagram showing the input interface of the investor information unit of the present invention.

The seventh and eighth figures are diagrams showing the selection interface of the situation unit of the present invention.

The ninth figure is a schematic diagram showing the implementation of the tracking unit of the present invention.

The tenth figure is a portfolio of good investment mechanism modules built using the present invention.

The eleventh figure reveals a good investment mechanism module model built by the present invention.

The twelfth diagram reveals a schematic diagram of the system construction of the present invention.

The invention relates to a financial commodity automation investment analysis decision-making system and method, the system comprises an investment operation interface, an investor information unit, a financial commodity database, a situation unit, a good investment mechanism module, a transaction unit, A transaction strategy unit, a tracking unit, a dynamic trigger unit, an integration unit, a digital asset certificate module, and a social unit.

The financial product automation investment analysis decision-making system and method according to the present invention can use a computer webpage (Web) or an APP (Application (hereinafter referred to as APP) application. A smart platform presented on various types of operating systems (such as Wins, Android, or IOS...), which includes a computer, a smart phone, a tablet, or a car audio host with the same wireless transmission interface and operating system, but not Limited to the above-mentioned smart platform, the investment operation interface mainly provides display unit, button and question and answer input space to communicate with investors.

The Investor Information Unit is used to make investors' assessments. It has a family risk tolerance calculation unit to assess the investor's family risk tolerance (preference). An overall property allocation unit is used to view investors. Overall property allocation and asset level; a self-assessment unit is used to allow investors to make an investment preference unit selection and a self-identification risk tolerance (preference) rating; an investment target analysis unit, borrow The investment objective aims to analyze the ultimate risk tolerance of the investor; a large data analysis unit, which examines the investor's background status, the financial projects concerned, and questions and discussions online with investors, and then summarizes the potential subjective risks of investors according to the law of large numbers. Tolerance (preference) attribute positioning; a behavior pattern analysis unit that allows investors to comprehensively analyze the behavior patterns of investors by operating selection, browsing, trading or other network traces on the Internet, and then to judge the objective of investors Risk tolerance (preference) attribute positioning.

Family risk tolerance calculation unit: The investor enters the system through the investment operation interface. When the investor operates the system, the system will require the investor to input the basic information of the investor, such as age, gender, and marital status. And the age of the child, etc., the investor's basic information will be stored in the investor information unit by the system, the investor information unit has the family risk tolerance calculation unit, and the family risk tolerance calculation unit simply judges the investor's family Risk tolerance (preference), when an investor is older, married or has children, the investor is classified as conservative and judges the investor's family risk tolerance (preference) ) lower, when the investor is male, unmarried or younger, the investor is classified as an adventure And judge the investor's family risk tolerance (preference) is high, the family risk tolerance (preference) can be calculated according to age, gender, marital status, the number of children and the age of the child, the formula can be For this family risk tolerance (preference) = (10 - (male * 0 + female * 1) - (unmarried * 0 + married * 1) - (number of children) - (age / 20) - (under 25 years old) Number of children)), when the calculation result is 0 or negative, the family risk tolerance (preference) can be defined as 1 according to the level, and the family risk tolerance (preference) can be divided into 1 to 10 grades according to the grade. The lower the risk tolerance (preference) of the family, the lower.

Overall property allocation unit: After inputting the basic information of the investor, the system will ask the investor to fill out the questionnaire. The questionnaire topic includes the investor's income, deposit, and monthly expenses (food expenses, transportation expenses, medical expenses, living expenses, childcare fees). The amount of the property (such as a house, car or value-for-money certificate) that can be saved in each month, and the liability (car loan, mortgage or credit), etc., the answer to the questionnaire will be answered by the investor. The information unit is stored in the investor information unit, and the above-mentioned expenses are defined as the investor's self-configuring expenses. The investor information unit has an overall property allocation unit, and the overall property configuration unit can be based on the answer answered by the investor. Create an overall property allocation table that allows investors to understand their financial situation at a glance and to make the investor's information unit aware of the investor's wealth status, which can be based on the investor's property/liability ratio or total assets. The value of assets owned minus liabilities is divided into poverty, ordinary, well-off, wealthy. In principle, the total amount of property is more than 10 million. The new Taiwan dollar is classified as wealthy. The total amount of property is between 3 million and 999 million Taiwan dollars, which is classified as well-off. The total amount of property is 300,000 to 2.99 million, which is summarized as ordinary. The total amount of property in the liability area is NT$290,000. Poverty, and then get a property level; and the overall property allocation unit further configures the investor's self-configured spending status according to the questionnaire answer, such as the amount of the necessary expenses (liabilities, medical expenses, etc.) according to the income status. Depending on the living standards of the people of Taiwan, food expenses, living expenses, Rents, etc., can be changed according to personal living habits, such as renting a cheap house, drinking less, eating less expensive restaurants, or reducing the cost of buying clothes. The purpose is to expect the messenger to save every month. The amount is increased, and the monthly deposit amount can be used as investment. The system displays the better configuration result in the investment operation interface for investors' reference; when the better configuration result is saved every month If the amount is less than the amount that the investor can configure to save the amount per month, the overall property configuration unit does not display the preferred configuration result, indicating that the investor configures the cost himself, indicating that the investor finds his or her preferred configuration; the overall property The configuration unit has to do a simple health check on the investor's finances.

Investing in the praise unit: The system can then request investors to self-evaluate their investment attributes. The self-evaluation content is mainly based on self-perception to judge the self-improvement degree, investment preference risk tolerance (preference) and An investment preference rating unit, the investment preference risk tolerance (preference) can be divided into conservative, cautious, robust, active and adventurous, divided into one to five grades, investment preference risk tolerance The lower the (preference) level, the lower the self-identified risk tolerance (preference), and the more conservative the investment attribute, the higher the self-identified risk tolerance (preference) level indicates that the self-identified risk tolerance (preference) is better, investment The more risky the property is; and the system is able to understand the investor's investment preferences based on the attributes of the investment preferences.

The investment preference unit can be divided into financial commodity groups, industries and market areas. The financial commodity group is stocks, funds, warrants, futures, options, currency, bonds, foreign exchange, insurance, alternative investments and raw materials. One or more collections of financial products; the industrial sector of financial commodities is one or more collections of finance, electronics, traditional industries, optoelectronics, semiconductors, real estate, agriculture, and pharmaceutical industries; and the market area of financial products is the financial commodity. Territorial countries such as the United States, the United Kingdom, China, Asia, the Americas, emerging countries, Europe, the Middle East or Australia Wait for one or more collections.

The investor's favorite group is one or more collections of stocks, funds, warrants, futures, options, currency, bonds, foreign exchange, insurance, and raw materials. The investors like it, and the future can be praised according to the investment of investors. The unit selects financial products to combine into a customized portfolio form.

Investment target analysis unit: The system requests the investor to input the investment target, the amount of investment, the monthly investment amount, the acceptable investment period, the subjective risk preference, the subjective expected return, the stop loss point and the profit point. The value of the investee's risk tolerance, the amount of investment/investor's property level and the investment target/can be analyzed by the value of the investable amount/investor's property level and the investment target/investable amount The greater the value of the investment, the greater the risk tolerance of the investor. The investment schedule, investment time, stop loss point and profit point are to understand the starting time and end time of the investor's intention to invest, and calculate the return on investment according to the investment target and the amount of investment, and to use the stop loss point and obtain The point is to analyze the investor's personal risk tolerance (preference).

Big Data Analysis Unit: Review the status of investors' backgrounds, and analyze the types of databases including but not limited to singles, married, children, children, age, financial experience, etc. Then, according to the law of large numbers, we can understand the potential subjective risk tolerance (preference) investment attribute positioning of investors.

Behavior pattern analysis unit: It is possible to record the behavior patterns of investors in a comprehensive analysis by investors' operations on the Internet, such as selecting, searching keywords, browsing web pages, virtual transactions or other online traces of real transactions. The number and time of browsing to determine the investor's preference for the financial products, and then to determine the investor's objective risk tolerance (biased Good) attribute and positioning investment mentality. The system also has a virtual transaction mode and a real transaction mode. When the investor uses the system through the investment operation interface, the behavior pattern analysis unit can analyze the behavior pattern of the investor's operating financial product, and can determine whether it has a self-asserted investment. The mentality is based on the results of the system definition. If the investor has a self-asserted investment mentality, what is the increase or decrease of the portfolio industry, and the definition of the increased industry is the investor's investment rating unit, and will be reduced. The industry is defined as a financial product that investors do not favor. The behavior pattern analysis unit is able to analyze the investor's investment characteristics by comparing the information with the investment and the investment degree. And for the type of preference of financial products, when the behavior pattern analysis unit analyzes the investor's investment attribute and the type of preference for the financial product and the investment preference is different, the investor is prompted and the notification advice is given, for example, the investor Subjectively think that he is conservative, but through the behavioral model of the system After the analysis, objectively reaching out the actual investment attributes is risky. At this time, for investors, in addition to letting them know more about themselves and have the role of stepping on the car, regardless of whether the investor changes the risk preference positioning, the system will automatically be timely. Give notice and suggest to establish disciplinary investment when investing, such as: stop loss, stop mechanism to avoid the occurrence of high killing, in which the objective risk tolerance (preference) attribute of the investor can be classified as conservative, cautious, or Robust, aggressive, and adventurous, preferably divided into one to five levels.

Investor comprehensive index analysis unit: combining the above household risk tolerance calculation unit, the overall property allocation unit, the self-evaluation unit, the investment target analysis unit, the big data analysis unit, and the behavior pattern analysis unit The calculus, in order to define the comprehensive indicators of investors, the comprehensive indicators of investors can obtain the risk tolerance level of investors and the degree of investment preference, and systematically use the land to scientifically define the investment portfolio that is more suitable for investors.

The investor information unit can request the investor to input a plurality of investor information from the investor operation interface, and the investor information is stored in the investor information unit, and the investor information can be solved by using a questionnaire or a multiple-choice questioning method. Obtaining the investor information, and using the investor information to understand the investor's risk appetite, the investor's asset data, and using the investor's behavior data to understand the investor's behavior pattern to collect the investor's actual habits Compare whether the answer to the question is consistent, and continue to analyze the new and old data of the investor's investment habits.

The financial product database contains financial commodity analysis units, financial historical data, financial news event database and good investment mechanism modules. Various financial commodities include but are not limited to stocks, funds, warrants, futures, options, currencies, bonds, foreign exchange. , insurance and raw materials, etc., the system collects information on various financial commodities and stores the information in the financial commodity database, which includes but is not limited to the history and current changes of various financial commodities, and the transaction volume. , standard deviation, national stock index, corporate market value, stock price or P/B ratio, stock price per share or P/S, net asset value, remuneration, price, surplus or P/E value, standard deviation and Related news, and the financial commodity analysis unit can further determine the risk attribute and return on investment of a financial product according to the data of various financial commodities. The financial commodity analysis unit is based on the classification of financial commodities, according to the types of financial commodities, including but not limited to stock database, fund database, warrant database, futures database, option database, currency database, bond database, Foreign exchange database, insurance database and raw material database, and dynamic labeling of each financial product to define the risk attribute of financial products and the rate of return on investment. The risk attribute and return on investment are mainly from financial products. The analysis unit judges and converts into the risk attribute indicator and the return on investment index; the good investment mechanism module is able to use the risk attribute indicators, the return on investment index and various information of financial products of the above various financial products as the information source element. And find out the portfolio of investment products that are more suitable for investors.

Risk attribute indicator: The risk of financial products can be judged by tilting alpha, beta, standard deviation, Sharp indicator and volatility, and converted into a risk attribute indicator according to the risk, and then the risk attribute of the financial attribute is used. Classified as conservative, cautious, or robust, active, and adventurous, preferably divided into one to five grades. The lower the risk attribute level, the lower the risk of the financial commodity, so the risk attribute can be Low financial products are defined as conservative financial products.

Return on investment indicators: Wilkie's stochastic investment model, long-term regression average, stock-to-price ratio, P/retained earnings, Q ratio (overall market value/replacement cost), overall market value/GDP, Schiller's P/E ratio of 10 By way of definition and definition, the ROI indicator can reflect the comprehensive profitability of financial products; preferably it can be divided into one to nine grades. The higher the return on investment, the higher the profitability of the financial commodity.

The system has a situation setting unit, and the investor can set the situation mode, such as the financial target mode, the risk preference mode, the customized mode, the follow mode or the system recommendation mode, and the search mode.

Financial target model: Investors only need to set the necessary information such as investment target, investment amount, and investment period. This model is different from the investment method centered on investors' risk appetite. The system is to achieve the investment objective as the primary task, regardless of The risk attribute of the investor is defined by the investable amount, investment target and investment period, and finds the optimal investment portfolio that can use the investable amount to achieve the investment target during the investment period set by the investor to obtain a good investment mechanism. Group of portfolios.

Risk appetite model: the unit of risk level and investment preference The attributes are used to recognize the subjective parameters of the investor, plus the investor's operations on the Internet, such as selecting, searching for keywords, browsing web pages, virtual transactions, or other online traces of real transactions, recording the comprehensive analysis of investors' Behavior pattern, and can judge the investor's preference for the financial products according to the number and time of browsing, and then obtain the objective parameters of the investor, and locate the investor's risk tolerance (preference) attribute by subjective and objective mixture. And bring in a good investment mechanism to get a good portfolio of investment mechanism modules.

Customization mode: It takes the risk level acceptable by itself as a parameter and brings a good investment mechanism by system operation, which produces the most advantageous investment portfolio for investors.

System recommendation mode: taking the investor's comprehensive index analyzed by the system definition as a parameter and bringing in a good investment mechanism to obtain a good investment mechanism module investment portfolio; and the behavior pattern analysis unit described in the present invention will continue to give back investment The person analyzes the behavior pattern of the unit investor, so the investor's comprehensive indicator will change according to the investor's behavior pattern.

Search mode: It is possible to search for a plurality of financial products that meet the investor's settings according to the investor's settings. After the investor has been able to set preferences for the investment financial commodity's ethnic groups, market regions and industries, the good investment mechanism module can find a match. These financial products, which are set up and fall within a good investment mechanism, form a financial commodity investment portfolio; under the search mode, investors can also select specific financial products that are currently of interest, and are defined and configured as financial products with specific financial products. The portfolio, like the black-and-white concept, is not a random configuration and is still the most efficient portfolio of systems with good investment mechanisms.

Under different situational modes, the system will bring in the corresponding parameters to a good investment mechanism, in order to obtain a portfolio of investment system modules optimized for different situational modes, and the situation setting unit can have multiple, the system can be at any time. Portfolio in a variety of different contexts And trade.

In conclusion, when the system judges that the investor's preference is gold through the investor information unit, the big data analysis unit or the behavior pattern analysis unit, the parameter will select one or three financial products with higher gold components to form a good investment mechanism. The portfolio of the group, but the portfolio is still a decentralized global asset, so gold is still only a certain proportion of the combination of commodities.

The investment mechanism module can be used as the source of computing elements according to the various types of financial products, such as risk attribute indicators, investment return rate indicators, investment efficiency, value evaluation, etc., performance trends and financial products. Analyze the overall economy, technical indicators, capital flow and market evaluation of financial commodity information, and predict the future trend of each financial commodity with macroeconomic data, and then consider Modern Portfolio Theory (MPT), Black. Litterman model, statistical shell-type theorem model, genetic algorithm model, fuzzy theory, asset correlation coefficient, capital asset pricing model, Sharpe, VaR, Volatility, Brown-Geotzmann-Ibbotson one-factor model, Fama-French three-factor Model, Fama-French-Carhart four-factor model, Fung-Hsieh five-factor model, Fung-Hsieh seven-factor model, Fung-Hsieh eight-factor model, Capocci-Hubner eleven-factor model and other methods. For different types of financial products, the rankings are ranked according to the evaluation, and a plurality of financial products with higher comprehensive performance scores are selected in different types of financial commodity databases. The invention can comprehensively index the scores from high to low for including but not limited to stock database, fund database, warrant database, futures database, option database, currency database, bond database, foreign exchange database, insurance data. The various financial products in the library and the original material database are ranked, and the rankings are better than the previous ones. A good investment mechanism module has a good investment calculus analysis mechanism, and a good investment mechanism will select financial stocks with higher rankings than the previous ones. Good investment mechanism module portfolio pocket list, and good investment mechanism is able to use the investment system module to select several financial products with low correlation with each other according to the historical data of the financial commodity database, and consider the previous item [ 0065] A good investment mechanism module approach brings one or more parameters and the investor's comprehensive indicators into a good investment mechanism to obtain a portfolio of good investment mechanism modules with various financial product confirmation targets and investment weight allocation ratios. Good investment mechanism module.

The invention selects a plurality of financial products with better prospects and comparative advantages through a good investment mechanism module, and uses a good investment mechanism module to judge the correlation coefficient between them, and selects that the correlation coefficient between them is lower than a threshold. A plurality of financial products with prospects and high investment performance, and then adopting one or more parameters or comprehensive indicators of investors for the situation model to determine the investment weights of multiple financial products with high prospects and high investment performance. To form a portfolio of investment mechanism modules, preferably, the investment mechanism modules are sorted according to the comprehensive investment index performance scores. For example, the stock database is sorted as follows: a stock, b stock, c stock, d stock, e stocks........z stocks, good investment mechanism modules sorted according to the investment performance of the fund database as follows: f funds, g funds, h funds, i funds, j funds...... ..z fund, good investment mechanism module sorted according to the investment performance of the fund database as follows: k bond, l bond, m bond, n bond, o bond ..... z bond, at this time The parameters that bring the good investment mechanism into the model are risky and the investor's comprehensive indicator indicates that the investor prefers the pharmaceutical industry. The good investment mechanism module consists of a stock, b stock, c stock, d stock, e stock, f fund, g fund, h fund, i fund, j fund, k bond, l bond, m bond, n bond, o bond select high financial products in the pharmaceutical industry, assuming that a stock, k bond and g fund are medical industry type For financial products, the mainstay is a stock, k bond and g fund, and find a corresponding stock, k bond and g fund. The m-bonds, j-funds and c-shares with lower correlation coefficients are used as financial products for risk diversification, and then the weight ratio allocation of a stock, k-bond, g-fund, m-bond, j-fund and c-stock is judged by a good investment mechanism module. And with the most advantageous asset allocation ratio, a good investment mechanism module investment portfolio, in which the good investment mechanism module will only select investment products with comprehensive investment index performance scores greater than a threshold to be configured to make a good investment mechanism. The portfolio of modules.

The good investment mechanism module can have decision tree, integrated analysis, module training, Monte Carlo regression analysis, and neural network analysis to achieve the purpose of automatic learning function and statistical analysis function re-optimization, and the investment reward The counter-inference and tracking is done to correct the investment mechanism module and input it in the form of dynamic parameters in the good investment mechanism module to correct the final market configuration, thereby constructing a portfolio optimized for a specific investor.

A good investment mechanism can select a plurality of financial products suitable for the investor's chosen situation according to various financial commodity risk attribute indicators, investment return rate indicators or various information, and then bring one or more situation parameters and investor comprehensive indicators into good Investment mechanism, a good investment mechanism depends on a good investment mechanism module for the construction of multiple financial products, which are investment portfolios of good investment mechanism modules with the lowest rate of return under the same rate of return or the highest compensation under the same risk.

A good investment mechanism model module can select a plurality of financial products that are more in line with the investor's comprehensive index to form a customized investment portfolio for linear, non-linear or discontinuous functions, wherein the plurality of indicators are more consistent with the investor's comprehensive index. The correlation coefficient between financial products and each other is lower than a threshold to spread the risk and reduce the risk without sacrificing the return on the portfolio.

The situation unit has a search mode, which can be searched according to the investor's settings. After finding a number of financial products that meet the investor's set of financial products, and allowing investors to set preferences on the ethnic groups, market regions, and industries in which the financial products are invested, the good investment mechanism module can find a plurality of investment mechanisms that meet these requirements and fall within a good investment mechanism. Financial commodities form a portfolio of good investment mechanism modules.

The trading strategy unit of the present invention is capable of transmitting the Black Litterman model, the efficiency leading theory model, the statistical shell theorem model, the capital market evaluation model, the modern investment theory, the asset correlation coefficient, the capital asset pricing model, Sharpe, VaR , Volatility, CAPM, Brown-Geotzmann-Ibbotson one-factor model, Fama-French three-factor model, Fama-French-Carhart four-factor model, Fung-Hsieh five-factor model, Fung-Hsieh seven-factor model, Fung-Hsieh eight-factor model The Capocci-Hubner eleven-factor model and other methods are used to determine the outcome of the investment order of the investment portfolio of the investment mechanism module, the transaction size, the transaction frequency, the transaction cost or the transaction path, and place the order according to the result.

Different situational settings will have different parameters. Different parameters represent different risk values, different rates of return, and financial products with different attributes. The portfolios of the investment portfolio of the investment portfolio have different weights. For example, when an investor chooses an adventurous model, the system will find financial products with a relatively high rate of return, although the relative risk rate will be higher, but in this state of return, it will be defined through a good investment mechanism. The reasonable financial products with the lowest risk rate will be selected by the parameters to select high-risk and high-reward financial products suitable for the current risk-taking mode, and then define the high-risk and high-reward financial products that are suitable for the current risk-taking model. The financial products are combined into a portfolio of investment mechanism modules. The distribution of weights is defined by the model. The investment mechanism module has built-in formulas for storing multiple scenarios, and the good investment mechanism module has a neural network. Network system Learn and predict results and analysis, and monitor and adjust the formula definition strategy for real differences in actual investment results.

As shown in the second figure, the second picture reveals a good investment mechanism module. According to the risk ratio and expected return rate of the financial commodity portfolio 66, each financial commodity investment portfolio 66 can find its own positioning on the risk compensation coordinate system model. With good investment mechanism modules, one or more good investment mechanisms can be constructed, and the investment framework of the most advantageous financial products can be selected from the investment mechanism module to form a portfolio of good investment mechanism modules.

The method is divided into risky, positive, robust, cautious and conservative types of financial commodity portfolios that fall within a good investment mechanism according to risk ratio and expected rate of return. These types of intervals can be built into the system or Defining by yourself, the interval is as shown in the second figure. The interval 65 of the investment portfolio of the risky investment mechanism module represents a higher risk but a higher reporting rate. The positive investment mechanism module is positive. The range of the portfolio 64 is lower than the risk-taking type, but the reporting rate is relatively low. The range of the investment portfolio of the robust investment mechanism module is lower than the positive one but the reporting rate is relatively low. High, cautious, good investment mechanism module portfolio interval 62, the risk is relatively stable, but the reporting rate is relatively low, the conservative investment mechanism module portfolio of the investment group 61 risk is more cautious Low but the reporting rate is relatively low.

The system was able to find a portfolio of venture-friendly investment mechanism modules 651, a positive investment portfolio of good investment mechanism modules 641, a portfolio of robust investment mechanism modules 631, and a cautious investment mechanism module. The portfolio 621 of the investment portfolio 621 and the conservative investment mechanism module is selected according to the parameters set by the investor in the situational model or the comprehensive index of the investor to filter into a good investment mechanism. For example, the situational model is risky. Type, and investors' comprehensive indicators to judge investors' preference for petroleum-based financial products. Good investment mechanism modules will combine risky financial products as pocket lists, and risk-based investment mechanism modules have 53 portfolios. It consists of a risky financial product 631 with a good investment mechanism. For example, a good investment mechanism module will select one or three financial products with more petroleum components as the main axis, and then define the correlation coefficient, and then take risks. Among the collections of financial products, a number of risk-based financial products with a low correlation coefficient of one or three petroleum products with a large number of petroleum products are combined into a financial commodity investment collection, and then a weight allocation according to a good investment mechanism module. The formula allocates the weight of each financial commodity in the financial commodity investment collection to form a portfolio of good investment mechanism modules.

The integration unit of the system enables the investment portfolio of one or more good investment mechanism modules to be presented to the investor in a graphical, proportional or form format in a multi-layered configuration, which enables the investor to place all of the placed orders of the investor. After integrating the investment portfolio of multiple investment mechanism modules or the investment portfolio of one or more good investment mechanism modules to be placed, the population and market of one or more investment financial commodities to be analyzed are summarized one by one. The regional and industrial classifications can also graphically represent the investment classification configuration map representation, and divide the percentage, and can be expressed graphically, and can average yield, expected profit probability, expected risk rate and expectations. The return on investment is presented together, as shown in Annex I, which allows investors to see at a glance. In addition, the system can also represent the classification of the portfolio, market segments and industries of the portfolio or financial products in the same graph. As shown in the first figure.

Financial History News Event Database: It is possible to record historical events that have affected major financial markets in the past, such as wars, political factors, natural disasters, and analysis of long and short public opinion analysis. The financial historical event database has been able to identify these financials with financial commodity analysis units. Historical event pair The impact of financial goods.

The system has a tracking unit that enables the investor to set up a single financial product that is tracked or placed, a portfolio of good investment mechanism modules, or a portfolio of multiple investment mechanism modules. The system has a financial commodity analysis unit. The past experience of the financial historical event database compares the current events, defines the impact of current events on financial commodities, and the macroeconomic analysis of financial commodity database storage and current economic data analysis, economic indicators, economic growth. Indicators, price indices, foreign trade, foreign exchange reserves, money supply, benchmark interest rates, volatility or unemployment rates to predict trends in current market trends for various financial commodities, and to change the market trends of individual financial commodities Financial products are linked and stored in the financial product database. When any financial commodity analysis unit finds that any financial product within the investment portfolio of the investment mechanism module or the market trend of any market region deviates from the predetermined ratio, dynamics is initiated. Trigger unit The default value for the system can also be set for the investor. The predetermined ratio may be that the current risk rate is increased by more than 3% compared to the original risk rate or the expected rate of return is reduced to less than 3%. The tracking unit is not limited to the tracking definition. It is also possible to read out the market trends of various financial products, start the dynamic triggering unit in a timely manner, and immediately make a portfolio re-optimization procedure for the investment portfolio of the good investment mechanism module.

If there is a major event in the financial product database, notify the investor and adjust the investment portfolio of the good investment mechanism module that has been placed. The tracking unit must make regular and immediate investment portfolios of the investment mechanism modules that have been placed. Monitoring and tracking, when there is no triggering event in the investment trend and investment market trend of the investment mechanism module, the tracking unit will not change the current investment portfolio. Otherwise, the financial commodity analysis unit determines that the current event has a certain impact on the market trend. And the trigger event occurs, the system will make a good investment strategy module investment strategy Stakes portfolio allocation re-optimization procedures, for example, a major event in the United States is sufficient to affect the US financial, the tracking unit reads the financial trends of multiple financial products from the financial commodity database and the market trend of the previous investment deviates from the predetermined ratio when the tracking unit Then send a notice to the investment mechanism module to optimize the processing. The optimization process indicates that the investment mechanism module will redefine the components of the investment portfolio of the investment mechanism module and reconfigure the components of the portfolio of the investment mechanism module. Reconfiguration is able to sell the weight added due to changes in market trends or to reduce the weight of the purchase due to changes in market trends, to adjust the portfolio of investment products at any time to optimize, and inform investors of the results of the optimization process, request investment The consent of the person to generate a one-click order button, the investor agrees to optimize the investment portfolio of the investment mechanism module, press the button to be pressed, the transaction unit will receive the message and transmit the result of the optimization process to the trading strategy. Unit to predict better transaction costs, trading opportunities, transactions The trading results of the model, trading process, trading frequency and trading channel, and placing orders according to the trading results; for example, the original portfolio of the US region is heavier. When there is an event, the tracking unit judges that the future risk in the US region is quite High, and with the ups and downs of the US market, the investment portfolio ratio of the original good investment mechanism module has deviated from the risk that the investment portfolio of the original good investment mechanism module can bear, then the investment mechanism module is again defined and The investment portfolio of the good investment mechanism module is used to re-optimize the portfolio allocation ratio, so that the investment portfolio of the investment mechanism module is kept in an optimal state.

In the past, when the market trend deviates from a certain ratio, the tracking unit sends a notice to the good investment mechanism module to reconfigure. The ratio can be set by the investor or judged by the system, and when the market trend deviates from the ratio, the investor can operate. In-site messages, newsletters, emails, and phone calls to inform investors.

The system has a trading unit, which is able to make various investment orders. The system can place an order for the designated financial institution for the financial products and the amount of the order placed by the investor. The system can be defined to suit the investor itself. The investment portfolio of the investment mechanism module that is suitable for investors' preference or suitable for the investor's current situation, and the system can directly place orders according to the optimized investment portfolio of the investment mechanism module, and the investor operation interface provides one. The button is a one-click process for the investment portfolio of the investment mechanism module, and the investor can use it simply, quickly and at a glance.

The system has a trading strategy unit with a trading triggering rule and a good investment mechanism module, which can predict the better transaction cost, trading opportunity, transaction size, transaction process, trading frequency and trading channel transaction result by financial commodity information. And place orders according to the transaction results.

The system has an investment benefit unit, which can be used to calculate the investor's account equity and investment performance analysis, and can provide a net value map and an investment performance analysis chart, in which the investment efficiency analysis can take advantage of the percentage loss/loss, average risk, fall, and excess. Returns, Sharpe ratio, alpha coefficient, normalized alpha coefficient, information ratio, GIS MPPM, etc. are used as indicators.

The system has a social unit, and the investor can interact with other investors through the investor operation interface, and the investor can post content to the social unit through the investor operation interface, and the content of the social unit can be viewed by other investors, Respond or share and more.

The system of the present invention comprises a digital asset voucher, the digital asset voucher can be purchased by the physical commodity, and can also be purchased by the investor operation interface, and the digital asset voucher has a serial number, and can be logged into the investor operation interface to match the corresponding Financial commodity units, investment portfolio units with good investment mechanism modules, corresponding services, good investment in digital currency, good investment Bit currency or transfer to other investors.

The system of the present invention performs a trading of a portfolio of investment mechanism modules in a digital verification manner. When the investor uses the system, the system may require the investor to transmit a digital signature, and the system will do the digital signature. Encryption, whenever an investor wants to convert a digital asset certificate into a good investment in a digital currency, investing in a digital currency, a portfolio of investment mechanism modules, or a financial product, the system will again require the investor to verify the digital signature to confirm the transaction. The authenticity of the transaction, as a transaction identification confirmation, the digital signature can be password, biometric authentication (such as voiceprint, fingerprint, iris) or item features (such as QR code, signature, cup, shoes, etc. The items with characteristics can be used. At the beginning of the system, the investor will be required to upload a digital signature to verify the authenticity of the transaction.

The system of the present invention has a plurality of servers, the server having a plurality of branch points and a plurality of good investment accounts, the branch points being connected via a network, and the good investment books are distributed accounts In this case, when the investor wants to purchase the digital asset certificate in the investor operation interface, convert the digital asset certificate into the corresponding number of financial commodity units, the number of investment portfolio units of the investment mechanism module, the corresponding service, and the good investment in the digital currency, invest well. When the digital currency, the corresponding amount of real money or transferred to other investors, these verified transaction records will be recorded in the good investment books in sequence, and the branch points will use the hash function on the servers. After the new data domain is created and the verified transaction record is recorded in the new data domain, and the new data domain is linked to the original data domain, the branch points are periodically broadcast on the network, so that the These branch point data are synchronized, so the data of these good investment books are the same, so that each digital asset certificate A good investment in digital currency good investment flows digital currency are to be tracked.

The financial commodity automation investment analysis decision-making system and method of the invention has a transaction identification confirmation system, and the use of a verifiable digital signature can achieve an anonymous system to confirm the authenticity of the transaction, so that the investor is undeniable, and the block is used. The link ensures that the transaction data cannot be tampered with, and the branch point data is synchronized to the decentralized ledger with an open and transparent shared large-scale network book.

The verification refers to verifying the validity of the transaction record generated, and may also perform processing such as hashing, encryption, etc. on the transaction record to ensure that the transaction record is not tampered with. As for the transaction record, the analysis point database of income and expenditure can be included, and the analysis point database of income and expenditure can be set differently.

The system of the present invention comprises a plurality of servers having a plurality of branch points connected to each other in a point-to-point manner for providing computing resources and receiving and verifying a data, and the broadcast is verified. The information, a plurality of branch points notify a dedicated server, the dedicated server reviews the content, scope and history of the data and authenticates the authenticity of the data. After the authentication is successful, the data is distributed and stored in a plurality of branches. And a book branch point for interconnecting the branch points in a peer-to-peer manner, the book branch point comprising: a digital asset voucher module for receiving at least one digital asset certificate from the investor operating interface Identifying data to read the corresponding number of units of the digital asset certificate; a processing module for generating the corresponding operator interface after the investor operating interface accepts the number of units of the digital asset certificate and completes the digital visa authentication A good investment in the book database, and the number of units of each digital asset certificate and the identification data as a good The account record is written into a data field; and a transmission module is configured to broadcast the data field containing the good investment book record to the branch points for verification and copying into a decentralized book for recording And track the digital asset The flow of the number of units of the voucher.

In practice, each branch point can be a computer device that is approved and trusted, for example, a server located in a licensed third-party payment provider or financial institution.

The present invention further discloses another embodiment. The system of the present invention includes a plurality of servers having a plurality of branch points that are interconnected in a point-to-point manner to provide computing resources and receive Verify the content and scope of a material, and broadcast the content and scope of the verified material. A plurality of branch points notify a dedicated server. The dedicated server reviews the history and scope of the data. After successful authentication Storing the content and scope of the data in a plurality of branch points; and a branch branch point for interconnecting the branch points in a point-to-point manner, the book branch point comprising: a digital asset certificate module And an identification data for receiving at least one digital asset certificate transferred by another investor from an investor operation interface to read a corresponding number of units of the digital asset certificate; a processing module, the investor is used in the investor After the operation interface accepts the number of units of the digital asset certificate and completes the digital visa certification, the corresponding operator operation interface and another investment are generated. A good investment account database of the operation interface, the investment account database and the investor's operation interface have a good investment account, and the number of units of the digital asset certificate and the identification data are used as a good investment book. Recording a data field; and a transmission module for broadcasting the data field containing the good investment book record to the branch points for verification and copying into a decentralized book for recording and tracking the data field The flow of the number of units of the digital asset certificate.

When the investor accepts the investment portfolio of the good investment mechanism module through the investor operation interface and completes the order transaction, the investment unit of the good investment mechanism module is exchanged with the unit number of the digital asset certificate. Point and the book branch point when executing the transaction A transaction record is generated, and the transaction record is broadcasted for the branch points and the book branch point to be written to the data fields of each of the branch points.

The servers store a sequence number uniquely paired with the identification data. When the identification data of the digital asset certificate is input to a good investment account, the servers verify the identification data by the serial number. After verifying the identification data, the server writes the transfer message to the data field and broadcasts to the branch points, and the sequence number can only be verified once. Once the identification data is verified, the digital data is lost on the ticket surface. Right, the right on the face of the digital asset certificate has been transferred to the investor's good investment account. Once the verification is successful, the identification data is invalid and cannot be verified again, meaning that one identification data can only be verified once.

The system has a good investment account, the good investment account can record the number of the investor's digital asset voucher, and can display and record the number of digital asset voucher units of the investment account through the investor operation interface; Account means that the investor uses the investment account to enter the identification data of the digital asset certificate. The serial number of the server will verify the identification data. After the verification is successful, the number of units on the ticket surface of the digital asset certificate is transferred to the investor. In the investment book; the account is the investment portfolio of a good investment mechanism module using the number of digital asset voucher units in the investment book.

The identification data is a unique value. After the verification data is successfully verified, the right on the ticket surface of the digital asset certificate has been transferred to the investor's good investment account. Once the verification is successful, the identification data is invalid and cannot be verified.

The system further includes a digital asset voucher verification interface, wherein the digital asset voucher verification interface can input an identification data of a digital asset voucher into the digital asset voucher verification interface to confirm whether the rights on the digital asset voucher face are present. Where the identification The data is represented by a bar code, a QR code, and a sequence number.

The system is capable of presenting a plurality of different digital asset certificates to the investor operating interface, enabling the investor to use the transaction unit to purchase the digital asset certificates, and transferring the digital asset certificates to the other investors through the social unit. The digital asset certificate can be in different grades, and there are different corresponding transaction amounts, and the digital asset certificates can be exchanged for the corresponding number of financial commodity units, the number of financial commodity combination units, the corresponding services, and the good investment digital currency. The currency or the corresponding amount of currency, the digital asset certificate can also be purchased at the physical store.

The social unit provides a platform for investors to discuss and exchange financial investment information with other investors. Investors can also set content as a permission to hide in social units. Other investors can only view content titles. Other investors can If you want to browse, you need to transfer a certain amount of good investment digital currency to invest in digital currency. After the investor receives it, other investors have the right to browse the hidden information.

The social unit has a private dialogue unit. Through the private dialogue unit, other investors can send video messages, text messages or voice messages to investors, and other investors who can set non-friendship relationships can not send private conversations to investors. Other investors need to transfer a certain number of digital asset certificates to investors in order to send private conversations to investors or to consult financial related issues.

The social unit has a live unit, which enables the investor to transmit the live video to the social unit, and the investor can also set the authority. Other investors need to transfer a certain number of digital asset certificates to the investor to watch the live video and audio. For investors to analyze the market's long and short public opinion analysis, investment knowledge exchange or investment operation teaching.

The social unit is able to set an identity category so that a licensed investor (professional consultant) is eligible to set permissions.

The invention further discloses a financial commodity information investment information analysis method for generating a portfolio of a good investment mechanism module belonging to an investor, the method comprising the following steps: a. requiring the investor to select through an investor operation interface a situation to be invested, a plurality of situational information and a plurality of investor information; b. converting the situation and the situation information into one or more context parameters and generating an investor's comprehensive indicator for the investor information; c. Collecting information on a plurality of financial products in a financial product database; d. a good investment mechanism, using the information of the financial products to determine a plurality of more advantageous financial products, and then one or more context parameters, Investors' comprehensive indicators and financial products of these advantages are brought into the good investment mechanism to obtain a portfolio of investment mechanism modules; e. Provide a button to enable investors to make investment portfolios for the good investment mechanism modules One-click action to place an order; f. determine the preferred timing of the order, transaction size, transaction frequency, transaction cost or trading path a result, and placing an order according to the result; g. analyzing and judging that the financial commodity market trend deviates from a predetermined ratio, a dynamic triggering unit immediately notifies the good investment mechanism module to make a portfolio configuration for the investment portfolio of the good investment mechanism module Proportional reoptimization procedure. Wherein the method provides an integrated unit that can place one or more investment groups of good investment mechanism modules The multi-layered configuration is presented to the investor's operating interface in graphics, scale or form.

Step e-1 is performed before step a. or after step e.: providing a plurality of servers having a plurality of branch points, which are connected to each other in a point-to-point manner to provide computing resources and Receiving and verifying the content and scope of a data, a plurality of branch points notifying a dedicated server, the dedicated server reviewing the content, scope and history of the data, and storing the data in a plurality of branches after successful authentication Providing a book branch point, wherein the book branch point is interconnected with the branch points through a peer-to-peer method; the book branch point receives an identification data of at least one digit asset certificate from an investor operation interface to generate a phase The number of units of the digital asset certificate should be counted; after the investor's operation interface accepts the number of units of the digital asset certificate and completes the digital visa certification, the book branch point generates a good investment account database corresponding to the investor's operation interface. Or when the digital asset certificate is transferred to another investor operation interface in the investor operation interface, the book branch point generates the corresponding investment A good investment account database of the human operation interface and another investor operation interface, when another investor operation interface accepts the digital asset certificate and completes the transfer, the number of units of the digital asset certificate and the identification data are taken as one The investment account record is written into a data field; the book branch point broadcasts the data field of the good investment book record to the branch points for verification.

After step f, step f-1 can be performed. After the investor operation interface accepts the investment portfolio of the good investment mechanism module and completes the order transaction, the unit number of the digital asset certificate can be exchanged for the corresponding good investment mechanism module. a portfolio configuration, the branch points and the book branch point generate a transaction record when the transaction is executed, and broadcast the transaction record for the branch points and the book branch point to write the data of each of the branch points area.

The method can perform step d-1 after step d.: asking the investor whether it is better The target and weight of the investment portfolio of the good investment mechanism module are placed; if the answer is yes, the investor is required to provide a digital signature; if the answer is adjustment, the investment target and weight are adjusted according to the investor's consciousness to form an investor. (Building) or self-created (built) investment portfolio adjustment version of the investment mechanism module, and compare the investment portfolio adjustment version of the investment mechanism module that the investor completely creates (built) or creates (built) The investment portfolio risk rate, expected return rate, back test trend and future expected trend of the investment portfolio of the original investment mechanism module; if the answer is no, cancel the investment portfolio of the good investment mechanism module and return to step a. .

After comparing the investment portfolio adjustment version of the investment mechanism module that the investor completely creates (built) or creates (built) and the investment portfolio analysis step of the original good investment mechanism module, the method of the present invention may be inquired. Whether the investor makes an order based on the investment portfolio adjustment of the investment system module that the investor completely creates (built) or creates (builds), the answer is yes, the investor is requested to provide a digital signature, and the system will The financial commodity investment portfolio is a cross-platform, one-click one-click order; if the answer is no, the investment portfolio adjustment version of the investor's fully-invested (built) or self-built (built) investment mechanism module is cancelled. Go back to step a.

In the method of the present invention, after step e., step e-1 is performed: the investor exchanges the number of units of the digital asset certificate with the corresponding one of the other investors who share the established creation on the social unit ( The financial commodity investment portfolio, the method further provides a feedback module, and the benefit of a predetermined dynamic ratio is distributed back to the relevant investors who are followed. The system benefit distribution is a financial commodity automation investment analysis decision-making system and method described in the present invention, which is invested in a digital currency account of another investor in the form of a good investment digital currency, and the good investment digital currency accumulation To a certain amount of money, you can redeem a specific digital asset certificate or real currency, for example, when another investor will build a self-established good investment mechanism module. After the portfolio is shared on the social unit, the investor places an order with the investment portfolio of the good investment mechanism module established by the other investor, and the system asks the investor to target another investor. The number of units of the number of asset certificates converted by the investment portfolio of the well-established investment mechanism module, assuming that the investor responds to the number of units in which the system wants to invest 200,000 digital asset certificates, and the system uses the number of units of the 200,000-digit asset certificate. Exchange the investment portfolio of a good investment mechanism module established by another investor. The system can require the investor to include or pay an additional fee, which can be paid in units of digital currency or digital asset certificate. View or follow the pattern to follow up on the investment portfolio of a good investment mechanism module established by another investor.

The investment in digital currency is the virtual currency issued by the financial product automation investment analysis decision-making system and method of the present invention. The investment of digital currency can be obtained by the investor in implementing a behavior in the system, such as daily login and release of a self-established Good investment mechanism module investment portfolio, answer questions or comment events, when other investors follow the investor's self-established investment mechanism module portfolio to follow up or place orders, you can also get a good investment in digital currency.

As shown in the third figure, the third figure discloses a main structure diagram of a financial commodity automation investment analysis decision system according to the present invention. The present invention is mainly divided into four major technologies, one is a database 1 and the other is a good investment mechanism. Module 2, 3 is a friendly interface 3, 4 is a social unit 4, and 5 is a digital asset voucher module 5. The database includes a financial product database 11 and an investor information unit 12, and the financial product database 11 stores market data. The module analyzes the fluctuations, interest rates, prices, exchange rates, international indices, etc. of various financial products. The investor information unit is used to store non-market data, and the investor information unit can be used to match the questionnaire to understand the investor behavior pattern and style. Insurance preferences, financial goals, investor background and asset status; and through the investment mechanism module 21 to determine the investment portfolio of the investment mechanism module of the current investor's current situational model, the investor can pass through the trading unit 22 The one-click ordering mode enables investors to quickly and easily place an order for the investment portfolio of the investment mechanism module, and the trading strategy unit 23 determines the best trading strategy; the friendly interface allows investors to understand the current investment direction and The interface is simple to get started quickly. Through the investment mechanism module, the investment portfolio of the investment mechanism module is automatically found to make rapid investment decisions, and the expected return rate of the investment portfolio of the investment mechanism module is analyzed by the integration unit. Risk ratio, which has a well-operated investor operating interface 31, and has an integrated unit 32 that integrates a portfolio of a plurality of good investment mechanism modules and then graphically presents a portfolio of a plurality of good investment mechanism modules, in addition to The system has a tracking unit 33 that is capable of monitoring a plurality of orders that have been placed. Portfolio of investment mechanism modules; the social units described in the system can be connected to multiple investors, enabling multiple investors to share financial operations or other information, including the follow-up module 41 as an investor and The follow-up between the investors follows, and the system has a private dialogue unit 42 and a live unit 43 to make the communication between the investor and the investor more realistic; the digital asset certificate module 5 of the present invention is a good investment account. The 51, the digital asset voucher verification interface 52 and the feedback module 53, the investment account book 51 can record the flow of the digital asset voucher and the number of units of the investor's investment account, and the digital asset voucher verification interface 52 can query the digital asset voucher face. If the power exists and the feedback module 53 is able to use the digital asset certificate to redeem the portfolio of any of the follow-up modules, the feedback module can return the investors of the self-owned financial products that are followed.

Based on the above technology, a financial commodity automation investment analysis decision-making system and method according to the present invention has an investment theory, a rule of thumb, and an automatic control method for dispersing risks. Control investment decisions and automatically track performance through market monitoring to achieve rational, simple, efficient, transparent and exclusive benefits.

Referring to the fourth figure, the fourth figure is an embodiment of the present invention. When the investor logs in the system, the system can request the investor to select the identity (investor or professional consultant), when the new investor fills in the invitation code to establish the recommendation. , the recommendation can get a quota of recommended bonuses, the recommended bonus of the amount can be a good investment of 100 yuan currency, wherein the invitation code is a unique code, a recommendation code only represents an already registered investor, further When the investor is a professional consultant, he or she can share the financial product portfolio established by the investor in the social unit. When the investor wants to set up the professional consultant, the system can ask the investor to upload the relevant certification to open the professional consultant. .

Referring to the fifth figure, the fifth figure is another embodiment of the present invention. The financial product database of the present invention can present information of a plurality of financial products, and can be tracked according to the investor's consciousness. A number of financial products are added to the tracking list for later tracking.

Referring to the sixth figure, the sixth figure is another embodiment of the present invention, which discloses an input interface of an investor information unit, and the personal information page can record the information input by the investor and store it in the investor information unit for Be an investor's assessment.

Referring to the seventh and eighth diagrams, the seventh and eighth diagrams are another embodiment of the present invention, which is a selection interface for revealing a situation unit. This embodiment discloses a risk preference mode and a financial management target mode, and after selecting a situation to be invested, The system can ask investors questions according to different modes. As shown in the seventh figure, investors need to input investor's age level, concern issues, expected investment time, expected risk preference and other investor information when choosing risk preference model; In the eight figures, the investor When selecting the financial target model, the investor's age level, concern issues, investment objectives, investable amount, monthly investment amount, acceptable investment period, subjective risk preference, subjective expected reward, stop loss point and Investor information such as profit points, after which the system converts the situation and the situation information into one or more situation parameters and calculates the investor information as a comprehensive indicator of the investor, so as to bring in a good investment mechanism The investment mechanism module ultimately leads to a portfolio of investment mechanism modules.

Referring to the ninth embodiment, the ninth embodiment is a schematic diagram of the implementation of the tracking unit according to the present invention. The tracking unit is capable of displaying the total profit and loss of the investment portfolio of each good investment mechanism module. The balance and the current value have to be graphically displayed in the market trend state, and the good is represented by the sun graphic. If not, the following rain indicates that the dynamics will trigger the trigger unit to notify the investment mechanism module to optimize the financial product portfolio. Processing, optimization processing means the configuration of the investment portfolio of the investment mechanism module.

The tenth figure is the investment portfolio of the good investment mechanism module built by the invention, and it can be used to analyze the investor's investment preference risk tolerance (preference) type by conservative questionnaire and behavior pattern. , robust, active or adventurous, and displayed in the investor's operating interface, and will display the market distribution of the investment portfolio of the investment mechanism module, the financial product type ratio, the average rate of return, the expected profitability and other information, Investors are able to see at a glance the components of the portfolio of investment mechanism modules.

The eleventh figure is a good investment mechanism module model established by the invention. It is possible to use the good investment mechanism to make each investment portfolio based on its fluctuation risk value and expected annual return rate to build a risk compensation coordinate system model. Invest and use a good investment mechanism to allocate multiple financial products to a more optimal volatility risk value-expected annual rate of return ratio to get a more optimized Make a good investment portfolio of investment mechanism modules, and make a scientific and efficient investment mechanism to achieve higher efficiency investment.

The twelfth figure is a schematic diagram of the system construction of the present invention, wherein the database module further includes a market data module and a non-market data module; the market data module is capable of collecting fluctuations, exchange rates, and international values of a plurality of financial products. Information such as index, public debt yield, interest rate, VIX index or price is stored in the financial commodity database; the non-market data module may include investor behavior data, investor coupon data, investor background, investor asset data or investors. The subjective and objective investment attributes are summarized and stored to obtain the investor's multiple materials, and the investor's data can be compared with the old and new data to predict the investor's investment attributes, preferences or changes in ideas.

Still referring to the twelfth figure, the system construction diagram of the present invention, preferably the good investment mechanism module of the present invention is judged by using the following six theories or a combination thereof: modern investment theory, capital asset pricing mode and Asset correlation coefficient, genetic algorithm model, fuzzy theory and B/L theory, a good investment mechanism module can judge the optimal allocation of investment portfolio of the investment mechanism module, and it further has decision tree, integration analysis, model Group training, Monte Carlo regression analysis, neural network analysis for machine learning and statistical analysis to achieve automatic learning functions, statistical analysis functions and re-optimization of the model, and the investment returns from time to time to do deduction and tracking, Among them, the good investment mechanism module can judge the investment portfolio of the investment mechanism module and its configuration components according to the different theories or combinations of the situation patterns.

The fourth to twelfth figures are schematic diagrams of the investor's operation interface, and the investor operation interface is a bridge for the investor to interact with the system. The financial product automation investment analysis decision system and method described in the present invention is a kind of storage. The wearing program of the recordable medium can be executed by the carrier to execute a financial product information investment information analysis method according to the present invention.

The present invention has been described in terms of various embodiments, and is intended to be illustrative and not restrictive. Any of the features of any embodiment may be used in conjunction with or in place of any other feature or element in any other embodiment, and unless otherwise specifically limited, the embodiments are not limited, but include the scope of the accompanying claims and the like. Effect. In addition, various modifications and changes can be made within the scope of the appended claims.

The invention relates to a financial commodity automation investment analysis decision-making system and method and a financial commodity information investment analysis method, which integrates information of various financial commodities, and effectively analyzes the information of the financial commodities and analyzes them into meaningful data. And according to the situation that the investor needs, find out in the optimal investment portfolio, and make risk assessment and winning rate estimation for the portfolio, and use the visual schema to represent the investment allocation distribution to make the investors clear. It is also necessary to continue to conduct full-range radar monitoring of performance during the investment period to grasp the status quo and the post-trend, and set profit points and stop loss points before investment. In summary, achieve a disciplined and scientifically efficient way. The goal of efficiency investment and risk management.

The financial commodity automation investment analysis decision-making system and method and a financial commodity information investment analysis method are packaged into a service provided to an investor, and the investment technology originally belonging to a rich person or an institutional legal person is brought to the general public. Through the system's precise computing power and the advantages of a good investment mechanism module and rational operation, it provides disciplinary investment for general investors, avoiding investors' emotions affecting investment judgment errors, and can make various investments at any time with investors' preferences. Mode setting. The risk-spread portfolio, complemented by long-term efficiency financial planning, visually leverages integrated graphics to simplify complex analysis and portfolios, allowing investors to make judgments and decisions simply and quickly. At the same time, the system builds an instant monitoring unit and adjusts it at any time. The best golden ratio of risk and reward, to achieve the goal of effectively assisting in the steady and reasonable compensation. The financial product automation investment analysis decision-making system and method according to the present invention does not require long-term stalking, and greatly reduces the influence of market fluctuations and makes an erroneous decision.

Claims (22)

A financial commodity automation investment analysis decision-making system comprises: an investor operation interface; an investor information unit, the investor inputs the investor's plurality of investor information from the investor operation interface, and the investor information is stored in the investor information The investor information unit, the investor information unit has an investor comprehensive index analysis unit, and the investor comprehensive index analysis unit can generate an investor comprehensive indicator for the investor information; a financial product database, the financial product The database stores information of a plurality of financial products, and the information of the financial products can be accessed by the investor operation interface; in a situation unit, the investor selects a situation by the investor operation interface, and the situation unit can follow the The situation requires the investor to input a plurality of situational information and convert the situational information into one or more context parameters; a good investment mechanism module, the good investment mechanism module stores a good investment mechanism, and the good investment mechanism can be Using the information of these financial products to judge that a plurality of advantages are more advantageous Financial commodities, then bring one or more situation parameters, the investor's comprehensive indicators and the financial products of these advantages into the good investment mechanism to obtain a good investment mechanism module investment portfolio; a trading unit, the investor The operation interface has to provide a button to enable investors to make cross-platform serial ordering operations for the investment portfolio of the good investment mechanism module; a trading strategy unit: can determine the preferred timing, transaction size, transaction frequency, transaction cost Or trading result of one of the trading channels, and placing an order according to the transaction result; a tracking unit continuously monitoring the investment portfolio of the good investment mechanism module; a dynamic triggering unit having a financial commodity analysis Unit, when gold When the commodity analysis unit determines that the financial commodity market trend deviates from a dynamic ratio, the investor is immediately notified, and the dynamic triggering unit immediately notifies a good investment mechanism module to make a portfolio allocation ratio re-optimization of the investment portfolio of the good investment mechanism module. Program; an integration unit that enables the investment portfolio of one or more good investment mechanism modules of the investor to be presented to the investor's operation interface in a graphical, proportional or form manner in a multi-layered configuration; a social unit through which the investor can The investor operating interface interacts with a other investor; a digital asset voucher module having a plurality of servers having a plurality of digital book branch points for peer-to-peer The branch points are interconnected, and the book branch point receives an identification data of at least one digit asset certificate from the investor operation interface to read a corresponding number of units of the digital asset certificate, and the servers are used to provide computing resources and Receiving the identification data, and broadcasting the identification data verified by the plurality of branch point notifications The dedicated server authenticates the authenticity of the identification data. After the authentication is successful, the identification data is distributed and stored in a plurality of digital book branch points; a processing module is used to accept the digital asset certificate in the investor operation interface. After the number of units and the completion of the digital visa certification, a good investment account database corresponding to the investor's operation interface is generated, and the number of units of each digital asset certificate is recorded as a good investment account in a data field; a transmission module, configured to broadcast the data field including the good investment account record to the branch points for verification and copying into a decentralized book to record and track the flow of the number of units of the digital asset certificate; The system has a feedback module, when an associated investor shares a certain self-created financial product portfolio in the social unit, and when an investor follows the specific creation (built) When the financial commodity investment portfolio is placed in the system, the feedback module may distribute the benefit of a predetermined dynamic ratio to the related investment that is followed. . As claimed in claim 1, the digital asset voucher can be purchased by a physical store or by the investor operating a virtual store interface. The system of claim 1, wherein the digital asset voucher module is capable of transferring the identification data of the digital asset voucher to an investor other than the investor, when the other After an investor accepts the number of units of the digital asset certificate and completes the transfer, the well-invested book database will write the transfer record into a data field. The system of claim 1 or 3, wherein the investor operation interface accepts the investment portfolio configuration of the good investment mechanism module and completes the order transaction, the unit number of the digital asset certificate is redeemed correspondingly a portfolio configuration of the investment mechanism module, the branch point and the branch branch point generate a transaction record when executing the transaction, and broadcast the transaction record for the branch points and the book branch point to write to each The data fields of the branch points. The system of claim 1 or 3, wherein the servers have a serial number uniquely paired with the identification data, and when the identification data of the digital asset certificate is input to a good investment account The server verifies the identification data by the serial number, and after verifying the identification data, the server writes the transfer message to the data domain and broadcasts to the branch points. The system of claim 1, further comprising a digital asset voucher verification interface, wherein the digital asset voucher verification interface can input the identification data of the digital asset voucher into the digital asset voucher verification interface to confirm the Whether the rights on the face of the digital asset certificate exist. The system of claim 6, wherein the identification data is represented by a barcode, a QR code, and a sequence number. If the system described in claim 1 is applied, the situation unit can have a financial target mode, Risk preference mode, search mode, customized mode, follow mode, system recommendation mode or self-created mode. For example, in the system described in claim 8, the follow-up mode is based on a specific self-established financial product investment portfolio established by the relevant investor on the social unit. The system of claim 1, wherein the feedback module can use the number of units of the digital asset certificate to redeem a corresponding specific investment (establishment) finance established by the related investor on the social unit. The commodity investment portfolio, the feedback module distributes the benefit of a predetermined dynamic ratio back to the related investor who is followed. A financial commodity automated investment analysis decision-making method for generating a portfolio of a good investment mechanism module belonging to an investor, the method comprising the following steps: a. requiring the investor to select an investment through an investor operation interface a situation, and in accordance with the situation, the investor is required to input different plurality of situation information and a plurality of investor information; b. converting the situation and the situation information into one or more context parameters and generating the investor information Investors' comprehensive indicators; c. Collecting information on a plurality of financial products in a financial product database; d. A good investment mechanism, using the information of these financial products to determine a plurality of more advantageous financial products, and then one Or a plurality of situation parameters, the investor's comprehensive indicator and the financial products of the advantages are brought into the good investment mechanism to obtain a investment portfolio of a good investment mechanism module; e. providing a button to enable the investor to make a good investment for the investment The mechanism module's investment portfolio makes a one-click order action; f. determines the better timing, order size, and delivery of the order Frequency, transaction costs of access or transaction a result, and placing an order according to the result, and providing a feedback module, when an relevant investor shares on the social unit to establish a specific self-established financial product portfolio in the social unit, when there is an investment When a person follows the specific self-investment (construction) financial commodity investment portfolio and places an order in the system, the feedback module may distribute the benefit of a predetermined dynamic ratio to the related investor who is followed; g. analyze and judge the financial When the commodity market trend deviates from a predetermined ratio, a dynamic triggering unit immediately notifies the good investment mechanism module to make a portfolio configuration ratio re-optimization procedure for the investment portfolio of the good investment mechanism module; wherein the method provides an integration unit, which can The investment portfolio of one or more good investment mechanism modules is presented to the investor operating interface in a graphical, proportional or form manner in a multi-layered configuration, wherein step e-1 is further provided after step e.: providing a digital asset voucher module The module has a plurality of servers, and the servers have a plurality of digital book branch points for peer-to-peer and the books The fulcrums are interconnected, and the book branch point receives an identification data of the at least one digit asset voucher from the investor operation interface to read a corresponding number of units of the digital asset voucher, wherein the server is configured to provide computing resources and receive the Identifying the data, and broadcasting the verified identification data, the plurality of branch points notifying a dedicated server to authenticate the authenticity of the identification data, and after the authentication is successful, the identification data is distributed and stored in a plurality of digital book branch points; a processing module for generating a good investment account database corresponding to the investor operation interface after the investor operation interface accepts the number of units of the digital asset certificate and completes the digital visa authentication, and each digital asset is The unit number of the voucher is recorded as a good investment account in a data field; and a transmission module is configured to broadcast the data field including the good investment account record to the branch points for verification And copied as a decentralized book to record and track the flow of the number of units of the digital asset certificate. The method of claim 11, wherein the step e-2 is further provided after the step e-1, the investor may transfer the unit number of the digital asset certificate to another investment different from the investor Person, when the other investor operation interface accepts the number of units of the digital asset certificate and completes the transfer, the good investment book database will write the transfer record into a data domain. The method of claim 11, wherein the step f is further provided in step f-1, wherein the investor operation interface accepts the investment portfolio configuration of the good investment mechanism module and completes the order transaction, the digital asset certificate The number of units can be redeemed corresponding to the portfolio configuration of the good investment mechanism module, the branch points and the branch branch point generate a transaction record when the transaction is executed, and broadcast the transaction record for the branch points and the The book branch point is written to the data field of each of the branch points. The method of claim 11, wherein the server stores a serial number uniquely paired with the identification data, and when the identification data of the digital asset certificate is input to a good investment account, the The server verifies the identification data with the serial number, and after verifying the identification data, the server writes the transfer message to the data domain and broadcasts to the branch points. For example, in the method of claim 14, the identification data is a unique value, and after the verification data is successfully verified, the right of the digital asset certificate is transferred to the investor's good investment account, and once the verification is successful, The identification data is invalid and cannot be verified. The method of claim 11, wherein the step d. further comprises the following steps: d-1 asking the investor whether to place an order according to the target and weight of the investment portfolio of the investment mechanism module; the answer is yes , requesting the investor to provide a digital signature; the answer is adjustment, depending on the investment People's consciousness adjusts the investment target and weight to form a portfolio adjustment model of a good investment mechanism module that the investor completely creates (builds) or creates (builds), and compares the investor's complete creation (built) or homemade (Building) Good investment mechanism module Portfolio adjustment version and original investment mechanism module portfolio analysis of the expected return and risk probability of the existing portfolio; if the answer is no, cancel the investment of the good investment mechanism module Combine and go back to step a. For example, the method described in claim 13 of the patent application, wherein the investment portfolio adjustment version of the investment mechanism module and the investment of the original good investment mechanism module are compared in the investor's own (built) or self-created (built) investment. After combining the steps of analyzing the expected return and risk probability of the existing portfolio, the following steps are further included to ask the investor whether to adjust the investment portfolio of the investment mechanism module according to the investor's complete creation (built) or self-created (built) If the answer is yes, the investor is requested to provide a digital signature; if the answer is no, the investment portfolio adjustment of the investor's fully-invested (built) or self-built (built) investment portfolio module is cancelled. Go back to step a. The method of claim 11, wherein the scenario described in step a. has a financial target mode, a risk preference mode, a search mode, a customized mode, a follow mode, a system recommendation mode, or a self-made (built) One of the modes. The method of claim 18, wherein the follow-up mode is based on a specific self-established financial product investment portfolio established by the related investor on a social unit. The method of claim 11, wherein the feedback module is to use a unit number of the digital asset certificate to redeem a corresponding specific creation (establishment) established by the related investor on the social unit. In the financial commodity portfolio, the feedback module distributes the benefits of a predetermined dynamic ratio back to the relevant investor who is followed. For example, the method described in claim 11 further provides a digital asset certificate verification In this way, the investor can input the identification data of the digital asset certificate into the digital asset certificate verification interface to confirm whether the rights on the digital asset certificate face exist. The method of claim 11, wherein the identification data is represented by a barcode, a QR code, and a sequence number.