TWI832053B - Intelligent savings planning method and system - Google Patents
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Abstract
一種智能儲蓄規劃系統所含的規劃伺服器根據由資料伺服器蒐集到客戶的所有金融帳戶的帳戶資料整合出該客戶的歷史金流資料;利用估算演算法分析該歷史金流資料以估算出該客戶有關參考單位期間的儲蓄潛力值;根據來自該客戶的目標儲蓄期間和該儲蓄潛力值估算出該客戶的儲蓄能力範圍並將在該儲蓄能力範圍內的多個候選儲蓄總金額提供給該客戶;及當接收到該客戶從該等候選儲蓄總金額選出的目標儲蓄總金額時,根據該目標儲蓄總金額和該目標儲蓄期間,計算出在該目標儲蓄期間內的每一目標單位期間的智能儲蓄金額並將該智能儲蓄金額提供給該客戶。A planning server included in an intelligent savings planning system integrates the customer's historical cash flow data based on the account data of all financial accounts of the customer collected by the data server; an estimation algorithm is used to analyze the historical cash flow data to estimate the The customer's savings potential value for the relevant reference unit period; the customer's savings ability range is estimated based on the customer's target savings period and the savings potential value and multiple candidate savings total amounts within the savings ability range are provided to the customer ; and when receiving the total target savings amount selected by the customer from the total candidate savings amounts, calculate the intelligence for each target unit period within the target savings period based on the total target savings amount and the target savings period. savings amount and provide that smart savings amount to that customer.
Description
本發明是有關於儲蓄規劃,特別是指一種智能儲蓄規劃方法及系統。 The present invention relates to savings planning, and in particular, to an intelligent savings planning method and system.
目前,對於想要儲蓄的客戶,金融機構通常建議此類客戶的儲蓄規劃方式,例如先根據所欲的目標儲蓄金額,然後再透過定期定額或逐漸增額的方式來達成。然而,當客戶在儲蓄期間發生金流的變化時,例如收入遠大於支出或者收入小於支出,上述儲蓄方式恐無法達成有效率的儲蓄,或更甚者因臨時性的支出增加而無法達成目標儲蓄金額。 Currently, for customers who want to save, financial institutions usually recommend savings planning methods for such customers. For example, first based on the desired target savings amount, and then achieve it through regular fixed amounts or gradual increases. However, when the customer's cash flow changes during the savings period, such as the income is much greater than the expenditure or the income is less than the expenditure, the above savings method may not be able to achieve efficient savings, or even worse, the target savings may not be achieved due to a temporary increase in expenditures. amount.
因此,如何提供一種符合於客戶個人或家戶金流情況的儲蓄規劃方式已成為目前重要的議題之一。 Therefore, how to provide a savings planning method that is suitable for customers' personal or household cash flow situations has become one of the important issues at present.
因此,本發明的目的,即在提供一種智能儲蓄規劃方法及系統,其能克服現有技術的至少一缺點。 Therefore, an object of the present invention is to provide an intelligent savings planning method and system, which can overcome at least one shortcoming of the prior art.
於是,本發明所提供的一種智能儲蓄規劃方法利用一電腦系統來實施,並包含以下步驟:(A)蒐集一客戶在多個不同銀行機構的所有金融帳戶的帳戶資料,以整合出該客戶對應於一預定最近歷史期間的歷史金流資料,該歷史金流資料包含在該預定最近歷史期間內每一參考單位時點的總餘額;(B)利用一估算演算法分析該歷史金流資料,以估算出該客戶有關兩個相鄰參考單位時點之間的一參考單位期間的儲蓄潛力值;(C)根據來自該客戶的一目標儲蓄期間和該儲蓄潛力值,估算出該客戶的一儲蓄能力範圍,並將在該儲蓄能力範圍內的多個候選儲蓄總金額提供給該客戶;及(D)當接收到該客戶從該等候選儲蓄總金額選出的一目標儲蓄總金額時,根據該目標儲蓄總金額和該目標儲蓄期間,計算出在該目標儲蓄期間內的每一目標單位期間的智能儲蓄金額,並將該智能儲蓄金額提供給該客戶。 Therefore, an intelligent savings planning method provided by the present invention is implemented using a computer system and includes the following steps: (A) Collect account information of all financial accounts of a customer in multiple different banking institutions to integrate the customer's corresponding Historical cash flow data in a predetermined recent historical period, which historical cash flow data includes the total balance at each reference unit time point in the predetermined recent historical period; (B) Use an estimation algorithm to analyze the historical cash flow data to Estimate the customer's savings potential value for a reference unit period between two adjacent reference unit time points; (C) Estimate the customer's savings ability based on a target savings period and the savings potential value from the customer range, and provide multiple candidate savings total amounts within the range of the saving ability to the customer; and (D) when receiving a target total savings amount selected by the customer from the candidate savings total amounts, according to the target Based on the total amount of savings and the target savings period, the smart savings amount for each target unit period within the target savings period is calculated, and the smart savings amount is provided to the customer.
本發明的智能儲蓄規劃方法,在該客戶執行完第一次儲蓄交易後,還包含以下步驟:(E)根據對應於該目標儲蓄期間的一累積儲蓄期間部分的累積儲存金額,更新該目標儲蓄期間的一剩餘儲蓄期間部分內的每一目標單位期間的智能儲蓄金額,並將更新的該智能儲蓄金額提供給該客戶。在該客戶執行完後續的每一次儲蓄後,步驟(E)被重複執行,直到該累積儲蓄期間部分達到該目標儲蓄期間。 The intelligent savings planning method of the present invention also includes the following steps after the customer completes the first savings transaction: (E) Update the target savings based on the accumulated storage amount of a portion of the accumulated savings period corresponding to the target savings period. The smart savings amount for each target unit period within a remaining savings period portion of the period, and the updated smart savings amount is provided to the customer. After the customer completes each subsequent saving, step (E) is repeated until the accumulated saving period partially reaches the target saving period.
於是,本發明所提供的一種智能儲蓄規劃系統用於對一銀行機構的一客戶進行儲蓄規劃,並包含一規劃伺服器、及一資料伺服器。該規劃伺服器適於連接該客戶所使用的一用戶終端,並儲存有一有關於一參考單位期間的儲蓄潛力的估算演算法。該資料伺服器連接該規劃伺服器,儲存有該銀行機構的所有客戶的帳戶資料,並利用一應用程式編程介面與至少一個外部銀行資料庫通訊。 Therefore, the intelligent savings planning system provided by the present invention is used to plan savings for a customer of a banking institution, and includes a planning server and a data server. The planning server is adapted to be connected to a user terminal used by the customer and stores an estimation algorithm regarding savings potential for a reference unit period. The data server is connected to the planning server, stores account information for all customers of the banking institution, and communicates with at least one external banking database using an application programming interface.
當該規劃伺服器接收到一來自該用戶終端有關於該客戶且含有一目標儲蓄期間的規劃請求時,該規劃伺服器將一含有該客戶的唯一的識別資料的資料請求傳送到該資料伺服器。 When the planning server receives a planning request from the user terminal regarding the customer and containing a target savings period, the planning server transmits a data request containing unique identification data of the customer to the data server. .
該資料伺服器回應於來自該規劃伺服器的該資料請求而透過該應用程式編程介面蒐集來自該至少一個外部銀行資料庫且有關於該客戶的外部帳戶資料,並將該外部帳戶資料與所儲存對應於該客戶的帳戶資料構成的所有帳戶資料傳送到該規劃伺服器。 The data server collects external account information about the customer from the at least one external bank database through the application programming interface in response to the data request from the planning server, and compares the external account information with the stored All account information corresponding to the customer's account information is sent to the planning server.
該規劃伺服器根據來自該資料伺服器的該客戶的所有帳戶資料,整合出該客戶對應於一預定最近歷史期間的歷史金流資料,該歷史金流資料包含在該預定最近歷史期間內每一參考單位時點的總餘額;利用該估算演算法分析該歷史金流資料,以估算出該客戶有關於該參考單位期間的儲蓄潛力值;根據該規劃請求所含的該目標儲蓄期間和該儲蓄潛力值,估算出該客戶的一儲蓄能力範圍,並將在該儲蓄能力範圍內的多個候選儲蓄總金額傳送給該用戶 終端,以供其顯示給該客戶;及當接收到來自該用戶終端且由該客戶從該等候選儲蓄總金額選出的一目標儲蓄總金額時,根據該目標儲蓄總金額和該目標儲蓄期間,計算出在該目標儲蓄期間內的每一目標單位期間的智能儲蓄金額並將該智能儲蓄金額通知該用戶終端。 The planning server integrates the customer's historical cash flow data corresponding to a predetermined recent historical period based on all the account information of the customer from the data server. The historical cash flow data includes each transaction in the predetermined recent historical period. The total balance of the reference unit at the time point; use the estimation algorithm to analyze the historical cash flow data to estimate the customer's savings potential value for the reference unit period; based on the target savings period and the savings potential included in the planning request value, estimate a saving ability range of the customer, and transmit the total amount of multiple candidate savings within the saving ability range to the user a terminal for display to the customer; and when receiving a target total savings amount from the user terminal and selected by the customer from the candidate savings total amounts, based on the target savings total amount and the target savings period, Calculate the smart savings amount for each target unit period within the target savings period and notify the user terminal of the smart savings amount.
本發明的智能儲蓄規劃系統中,該資料伺服器在該客戶執行完該儲蓄規劃的第一次儲蓄交易後儲存了與該儲蓄規劃相關的儲蓄狀況資料,且在該客戶執行完該儲蓄規劃的後續每一次儲蓄交易後,更新該儲蓄狀況資料,並將已儲存或每一次更新後的該儲蓄狀況資料傳送給該規劃伺服器。該規劃伺服器根據每一次來自該資料伺服器的該儲蓄狀況資料獲得對應於該目標儲蓄期間的一累積儲蓄期間部分的累積儲蓄金額,並根據該累積儲蓄金額更新該目標儲蓄期間的一剩餘儲蓄期間部分內的每一目標單位期間的智能儲蓄金額,並將更新的該智能儲蓄金額通知該用戶終端。 In the intelligent savings planning system of the present invention, the data server stores the savings status data related to the savings plan after the customer completes the first savings transaction of the savings plan, and after the customer completes the savings plan After each subsequent savings transaction, the savings status data is updated, and the saved or updated savings status data is transmitted to the planning server. The planning server obtains the accumulated savings amount corresponding to a portion of the accumulated savings period of the target savings period based on the savings status data from the data server each time, and updates a remaining savings amount of the target savings period based on the accumulated savings amount. The smart savings amount of each target unit period within the period part is determined, and the updated smart savings amount is notified to the user terminal.
本發明之功效在於:根據客戶的所有銀行帳戶的歷史金流資料且利用該估算演算法能夠規劃出最符合個人金流狀況的一(未來)儲蓄規劃的目標儲蓄總金額;此外,根據此儲蓄規劃的實際儲蓄情況來適應性地更新或調整每一目標單位期間的智能儲蓄金額,藉此引導客戶能成功地完成該儲蓄規劃。 The effect of the present invention is that based on the historical cash flow data of all bank accounts of the customer and using the estimation algorithm, the total target savings amount of a (future) savings plan that best suits the personal cash flow situation can be planned; in addition, based on this savings The actual savings situation of the plan is used to adaptively update or adjust the smart savings amount for each target unit period, thereby guiding customers to successfully complete the savings plan.
10:智能儲蓄規劃系統 10: Intelligent savings planning system
11:規劃伺服器 11:Plan the server
12:資料伺服器 12:Data server
121:資料庫 121:Database
122:API 122:API
20:通訊網路 20:Communication network
30:用戶終端 30: User terminal
31:客戶 31:Customer
40:外部銀行資料庫 40:External bank database
S21-S32:步驟 S21-S32: Steps
本發明之其他的特徵及功效,將於參照圖式的實施方式中清楚地呈現,其中:圖1是一方塊圖,示例性地繪示出本發明實施例智能儲蓄規劃系統的架構;及圖2是一流程圖,示例性地說明該實施例如何執行一智能儲蓄規劃程序。 Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating the architecture of an intelligent savings planning system according to an embodiment of the present invention; and Figure 2 is a flow chart illustrating how this embodiment executes an intelligent savings planning program.
在本發明被詳細描述之前,應當注意在以下的說明內容中,類似的元件是以相同的編號來表示。 Before the present invention is described in detail, it should be noted that in the following description, similar elements are designated with the same numbering.
參閱圖1,繪示出的本發明實施例的一種智能儲蓄規劃系統10是用於對一銀行機構的任一客戶(例如,客戶31)進行儲蓄規劃,並可以由一電腦系統來實現。該智能儲蓄規劃系統10可以包含一規劃伺服器11、及一資料伺服器12。
Referring to FIG. 1 , an intelligent
該規劃伺服器11可以透過有線連接或通訊連接的方式連接該客戶31所使用的一用戶終端30(例如,個人電腦、平板電腦或智慧型手機),並預先儲存有一有關於一參考單位期間的儲蓄潛力的估算演算法。在本實施例中,該參考單位期間例如為「週」,但不再此限,在其他實施例中,該參考單位期間亦可為「月」。具
體而言,該估算演算法可以依照以下原則來建構:
1.若以代表第t個參考單位期間的(實際)可儲蓄
金額,其中和分別代表在第t個參考單位期間的開始時點和
結束時點的(帳戶)總餘額,則連續的參考單位期間的可儲存金額可表示成一序列{x t ,x t-1 ,x t-2 ,x t-3 ,…};2.依據一估測模型,第t個參考單位期間的估測可儲蓄金額(以
來表示)會受到在其之前的k個參考單位期間的估測可儲蓄金額
(分別以,,…來表示)的影響,則與,,…
之間的關係可以下式(1)來表示
該資料伺服器12連接該規劃伺服器11,儲存有該銀行機構的所有客戶的帳戶資料,並利用一特定的應用程式編程介面(Application Programming Interface,以下簡稱API)122與外部的一個或多個其他銀行機構所屬的資料庫(以下稱作外部銀行資料庫)40通訊。在本實施例中,透過該API 122,該資料伺服器12可針對該銀行機構的任一客戶,蒐集來自該(等)外部銀行資料庫40有關該客戶在其他銀行機構的所有帳戶資料。
The
以下,將參閱圖1和圖2進一步詳細說明,例如針對該客戶31透過該用戶終端30傳送與該客戶31的一儲蓄規劃有關的一規劃請求,該智能儲蓄規劃系統10如何執行一智能儲蓄規劃程序。在本實施例中,該規劃請求包含由該客戶31決定且對應於該儲蓄規劃的一目標儲蓄期間。舉例來說,該儲蓄規劃可以是一長期或短期的儲蓄規劃。該智能儲蓄規劃程序包含以下步驟S21~S32。
Below, further details will be described with reference to FIGS. 1 and 2 , for example, how the smart
當該規劃伺服器11接收到來自該用戶終端30的該規劃請求(步驟S21)後,在步驟S22中,該規劃伺服器11將一含有該客戶31的唯一的識別資料的資料請求傳送到該資料伺服器12。
After the
然後,在步驟S23中,該資料伺服器12回應於接收自該規劃伺服器11的該資料請求而透過該API 122蒐集來自該(等)外部銀行資料庫40且有關於該客戶的外部帳戶資料(即,該客戶31在其他銀行機構的帳戶資料)。
Then, in step S23, the
接著,在步驟S24中,該資料伺服器12將蒐集到的該外部帳戶資料與所該資料庫121儲存對應於該客戶31的帳戶資料構成的所有帳戶資料傳送到該規劃伺服器11。
Next, in step S24 , the
之後,在步驟S25中,該規劃伺服器11根據來自該資料伺服器12的該客戶31的所有帳戶資料,整合出該客戶31對應於一預定最近歷史期間的歷史金流資料。值得注意的是,該歷史金流資料包含在該預定最近歷史期間內每一參考單位時點的總餘額。舉例
來說,若該預定最近歷史期間可以是從當前時點起算的前三年而該參考單位時點為每週的起/迄日,則該歷史金流資料可以包含在前三年內的每週的起/迄日的總餘額,但不以此例為限。
Then, in step S25, the
緊接著,在步驟S26中,該規劃伺服器11利用該估算演算法分析該歷史金流資料,以估算出該客戶31有關於該參考單位期間的儲蓄潛力值。舉例來說,若沿用上述示例,在該估算演算法中,根據前三年內的每週的起/迄日的餘額且三年內的總週數T(=4×12×3),代入上述式(4)所獲得的部分函數值如下表所示:
然後,該規劃伺服器11根據該規劃請求所含的該目標儲蓄期間Γ和該儲蓄潛力值,估算出該客戶的一儲蓄能力範圍(步驟S27),並將在該儲蓄能力範圍內的多個候選儲蓄總金額傳送給該用戶終端30(步驟S8),以供其顯示給該客戶31。舉例來說,沿用上述式例,若該目標儲蓄期間為一年,以及每週的儲蓄潛力值
為且其對應的衡量指標為ω,則估算出的該儲蓄能力範圍可被表
示成[48×-48×ω,48×+48×ω];此外,該規劃伺服器11從該
儲蓄能力範圍內選出例如48×-48×ω、48×、及48×+48×ω
的三個儲蓄金額作為該等候選儲蓄總金額,但不以此例為限。
Then, the
於是,該客戶31可經由人為操作從顯示於該使用終端30的該等候選儲蓄總金額中選出所欲的目標儲蓄總金額(以G來表示),並將該目標儲蓄總金額G傳送至該規劃伺服器11。
Therefore, the
之後,當該規劃伺服器11接收到來自該用戶終端30的該目標儲蓄總金額G(步驟S29)後,在步驟S30中,該規劃伺服器11根據該目標儲蓄總金額G和該目標儲蓄期間,計算出在該目標儲蓄期間內的每一目標單位期間的智能儲蓄金額(以g來表示)並將該智能儲蓄金額通知該用戶終端30。在本實施例中,該目標單位期間例
如為「月」,但不在此限。
After that, when the
於是,該客戶31可根據該用戶終端30顯示出的該智能儲蓄金額開始進行該儲蓄規劃的相關儲蓄交易。
Therefore, the
特別一提的是,在該客戶31開始進行該儲蓄規劃後的步驟S31中,在該客戶31執行完該儲蓄規劃的所執行的第一次儲蓄交易(即,第一個月的儲蓄交易)後,該資料伺服器12會儲存與該儲蓄規劃相關的儲蓄狀況資料,並且在該客戶31執行完該儲蓄規劃的後續每一次儲蓄交易後,更新該儲蓄狀況資料,並將已儲存或每一次更新後的該儲蓄狀況資料傳送給該規劃伺服器11。
In particular, in step S31 after the
於是,在步驟S32中,該規劃伺服器11根據每一次來自該資料伺服器12的該儲蓄狀況資料獲得對應於該目標儲蓄期間(即,總儲蓄期數並以Γ來表示)的一累積儲蓄期間部分(即,累積儲蓄期數並以Γ1來表示)的累積儲蓄金額(以G1來表示),並根據該累積儲蓄金額G1更新該目標儲蓄期間的一剩餘儲蓄期間部分(即,剩餘儲蓄期數並以(Γ-Γ1)來表示)內的每一目標單位期間的智能儲蓄
金額(以g’來表示,且),並將更新的該智能儲蓄金額g’通知
該用戶終端30。換言之,步驟S31及步驟S32會重複執行直到該累積儲蓄期間部分達到該目標儲蓄期間(即,Γ1=Γ)。
Therefore, in step S32, the
如此,該客戶31可根據每一次來自該規劃伺服器11更新的智能儲蓄金額g’來作為執行下一次的儲蓄交易的參考,藉此引
導客戶能夠成功地完成該儲蓄計畫(即,順利達成該目標儲蓄總金額G)。
In this way, the
綜上所述,本發明的智能儲蓄規劃系統10根據客戶的所有銀行帳戶的歷史金流資料且利用該估算演算法能夠規劃出最符合個人金流狀況的一(未來)儲蓄規劃的目標儲蓄總金額。此外,根據此儲蓄規劃的實際儲蓄情況來適應性地更新或調整每期(即,每一目標單位期間)的智能儲蓄金額,藉此引導客戶能成功地完成該儲蓄計畫。
To sum up, the intelligent
惟以上所述者,僅為本發明之實施例而已,當不能以此限定本發明實施之範圍,凡是依本發明申請專利範圍及專利說明書內容所作之簡單的等效變化與修飾,皆仍屬本發明專利涵蓋之範圍內。 However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of this invention.
10:智能儲蓄規劃系統 10: Intelligent savings planning system
11:規劃伺服器 11:Plan the server
12:資料伺服器 12:Data server
121:資料庫 121:Database
122:API 122:API
20:通訊網路 20:Communication network
30:用戶終端 30: User terminal
31:客戶 31:Customer
40:外部銀行資料庫 40:External bank database
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