TWI832053B - Intelligent savings planning method and system - Google Patents

Abstract

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

Intelligent savings planning method and system

The present invention relates to savings planning, and in particular, to an intelligent savings planning method and system.

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.

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.

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.

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.

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.

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.

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. .

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.

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.

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.

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: Intelligent savings planning system

11:Plan the server

12:Data server

121:Database

122:API

20:Communication network

30: User terminal

31:Customer

40:External bank database

S21-S32: Steps

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.

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.

Referring to FIG. 1 , an intelligent savings planning system 10 according to an embodiment of the present invention is shown, which is used to carry out savings planning for any customer (for example, customer 31 ) of a banking institution, and can be implemented by a computer system. The intelligent savings planning system 10 may include a planning server 11 and a data server 12 .

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

3.第t個參考單位期間的(實際)可儲蓄金額與估測可儲蓄金額 之間的誤差(以

來表示)可以下式(2)來表示：

4.為了評估該估測模型的效能，取得誤差平方和(以

來表示)， 且以下式(3)來表示：

其中T代表在評估效能時所考量的在第t個參考單位期間之前的總參考單位期間數； 5.為了找到與該估測模型的最佳效能(即，

具有最小值)對應 的最適期數(即，k)，根據

獲得一可以判斷出最適期數k的指標函 數arg minΘ(k)，如下式(4)所示：

6.根據與式(4)所獲得的最適期數k對應的(實際)可儲蓄金額 可計算出有關於該參考單位期間的儲蓄潛力值(以

來表示)，如以 下式(5)所示：

換言之，以前k期的可儲蓄金額的算術平均數作為該儲蓄潛力值；及7.根據前k期的可儲存金額之離均差(Deviation From Mean)獲得有關於收支穩定度的衡量指標(以ω來表示)，如以下式(6)來表示：

The planning server 11 can be connected to a user terminal 30 (for example, a personal computer, a tablet computer or a smart phone) used by the customer 31 through a wired connection or a communication connection, and pre-stores a data about a reference unit period. Algorithm for estimating savings potential. In this embodiment, the reference unit period is, for example, "week", but this is not limited to this. In other embodiments, the reference unit period can also be "month". Specifically, the estimation algorithm can be constructed according to the following principles: 1. If

represents the (actual) amount that can be saved during the tth reference unit period, where

and

represent the total balance (account) at the beginning and end of the t-th reference unit period respectively, then the storable amount of the continuous reference unit period can be expressed as a sequence { x _t ,x _{t -1} ,x _{t -2} , x _{t -3} , …}; 2. According to an estimation model, the estimated savings amount during the t-th reference unit period (based on

) will be affected by the estimated savings amount during the k reference units preceding it (respectively

,

,…

to express the influence of), then

and

,

,…

The relationship between them can be expressed by the following formula (1)

3. The error between the (actual) amount of savings and the estimated amount of savings during the tth reference unit period (based on

to express) can be expressed by the following formula (2):

4. In order to evaluate the performance of the estimation model, obtain the sum of squared errors (to

to express), and expressed by the following formula (3):

where T represents the total number of reference unit periods before the tth reference unit period considered when evaluating performance; 5. In order to find the best performance with the estimation model (i.e.,

has the minimum value) corresponding to the optimal number of periods (i.e., k), according to

Obtain an indicator function arg minΘ( k ) that can determine the optimal number of periods k, as shown in the following equation (4):

6. Based on the (actual) savings amount corresponding to the optimal period k obtained from equation (4), the savings potential value for the reference unit period can be calculated (as

to express), as shown in the following equation (5):

In other words, the arithmetic mean of the amount that can be saved in the previous k periods is used as the saving potential value; and 7. The measure of the stability of income and expenditure is obtained based on the Deviation From Mean of the amount that can be saved in the previous k periods ( Expressed by ω), as expressed by the following equation (6):

The data server 12 is connected to the planning server 11, stores the account information of all customers of the banking institution, and uses a specific application programming interface (Application Programming Interface, hereinafter referred to as API) 122 to communicate with one or more external 40 Communications to databases belonging to other banking institutions (hereinafter referred to as external bank databases). In this embodiment, through the API 122, the data server 12 can collect, for any customer of the banking institution, all account information of the customer in other banking institutions from the external bank database(s) 40.

Below, further details will be described with reference to FIGS. 1 and 2 , for example, how the smart savings planning system 10 executes a smart savings plan when the customer 31 transmits a planning request related to a savings plan of the customer 31 through the user terminal 30 . program. In this embodiment, the planning request includes a target savings period determined by the customer 31 and corresponding to the savings plan. For example, the savings plan may be a long-term or short-term savings plan. The intelligent savings planning program includes the following steps S21~S32.

After the planning server 11 receives the planning request from the user terminal 30 (step S21), in step S22, the planning server 11 transmits a data request containing the unique identification data of the customer 31 to the Data Server 12.

Then, in step S23, the data server 12 responds to the data request received from the planning server 11 and collects external account information related to the customer from the external bank database(s) 40 through the API 122. (i.e., the customer 31’s account information at other banking institutions).

Next, in step S24 , the data server 12 transmits the collected external account information and all account information stored in the database 121 corresponding to the account information of the customer 31 to the planning server 11 .

Then, in step S25, the planning server 11 integrates the historical cash flow data of the customer 31 corresponding to a predetermined recent historical period based on all the account information of the customer 31 from the data server 12. It is worth noting that the historical cash flow data includes the total balance at each reference unit time point within the predetermined recent historical period. Example For example, if the predetermined latest historical period can be the previous three years from the current point in time and the reference unit time point is the start/end day of each week, then the historical cash flow data can be included in the weekly data within the previous three years. The total balance from/to date, but not limited to this example.

從上述表中可看出，當k=9時，arg min Θ(k)具有最小值10.313，因此獲得該客戶31的最適期數k=9。然後，將該歷史金流資料所計算出前9週的可儲蓄金額代入上述式(5)後可獲得該客戶31有關於每 週的儲蓄潛力值

。值得一提的是，根據每「週」的儲蓄潛力值， 可以推算出對應於每「月」的儲蓄潛力值(即，4×

)、及對應於每 「年」的儲蓄潛力值(即，4×12×

)。 Next, in step S26, the planning server 11 uses the estimation algorithm to analyze the historical cash flow data to estimate the savings potential value of the customer 31 regarding the reference unit period. For example, if we continue to use the above example, in this estimation algorithm, based on the balance of the start/end days of each week in the previous three years and the total number of weeks in the three years T (=4×12×3), substitute Some function values obtained from the above equation (4) are shown in the following table:

As can be seen from the above table, when k=9, arg min Θ( k ) has a minimum value of 10.313, so the optimal number of periods k=9 for this customer 31 is obtained. Then, after substituting the savings amount calculated for the previous 9 weeks based on the historical cash flow data into the above formula (5), the weekly savings potential value of customer 31 can be obtained

. It is worth mentioning that based on the saving potential value per "week", the saving potential value corresponding to each "month" can be calculated (i.e., 4×

), and the saving potential value corresponding to each "year" (i.e., 4×12×

).

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 planning server 11 estimates a savings capacity range of the customer based on the target savings period Γ and the savings potential value contained in the planning request (step S27), and compares multiple savings capacity ranges within the savings capacity range. The candidate savings total amount is transmitted to the user terminal 30 (step S8) for display to the customer 31. For example, following the above formula, if the target savings period is one year, and the weekly savings potential value is

And its corresponding measurement index is ω, then the estimated savings capacity range can be expressed as [48×

-48×ω, 48×

+48×ω]; in addition, the planning server 11 selects, for example, 48×

-48×ω, 48×

, and 48×

The three savings amounts of +48×ω are regarded as the total amount of candidate savings, but are not limited to this example.

Therefore, the customer 31 can select a desired target total savings amount (represented by G) from the candidate total savings amounts displayed on the terminal 30 through manual operation, and transmit the target total savings amount G to the Planning Server 11.

After that, when the planning server 11 receives the target total amount of savings G from the user terminal 30 (step S29), in step S30, the planning server 11 calculates the target total amount of savings G and the target savings period. , calculate the smart savings amount (represented by g) for each target unit period within the target savings period, and notify the user terminal 30 of the smart savings amount. In this embodiment, the target unit period is If it is "month", this is not the case.

Therefore, the customer 31 can start saving transactions related to the savings plan based on the smart savings amount displayed on the user terminal 30 .

In particular, in step S31 after the customer 31 starts the savings plan, the customer 31 completes the first savings transaction (ie, the first month's savings transaction) of the savings plan. Then, the data server 12 will store the savings status data related to the savings plan, and after the customer 31 completes each subsequent savings transaction of the savings plan, update the savings status data, and will save or each time The updated savings status data is sent to the planning server 11.

)，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 planning server 11 obtains an accumulated savings corresponding to the target savings period (ie, the total number of savings periods and represented by Γ) based on the savings status data from the data server 12 each time. The accumulated savings amount (represented by G1) of the period part (i.e., the number of accumulated savings periods and represented by Γ1), and a remaining savings period part (i.e., the remaining savings period) of the target savings period is updated according to the accumulated savings amount G1 number and represented by (Γ-Γ1)), the smart savings amount (expressed by g') for each target unit period, and

), and notify the user terminal 30 of the updated smart savings amount g'. In other words, steps S31 and S32 are repeatedly executed until the accumulated saving period partially reaches the target saving period (ie, Γ1=Γ).

In this way, the customer 31 can use the smart savings amount g' updated each time from the planning server 11 as a reference for executing the next savings transaction, thereby inducing Guide the customer to successfully complete the savings plan (ie, successfully achieve the total target savings amount G).

To sum up, the intelligent savings planning system 10 of the present invention can plan the target savings total of a (future) savings plan that best suits the personal cash flow situation based on the historical cash flow data of all bank accounts of the customer and using the estimation algorithm. amount. In addition, the intelligent savings amount of each period (ie, each target unit period) is adaptively updated or adjusted according to the actual savings situation of the savings plan, thereby guiding the customer to successfully complete the savings plan.

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: Intelligent savings planning system

11:Plan the server

12:Data server

121:Database

122:API

20:Communication network

30: User terminal

31:Customer

40:External bank database

Claims (4)

An intelligent savings planning method is implemented using a computer system and includes the following steps: (A) collecting account information of all financial accounts of a customer in multiple different banking institutions to integrate the customer corresponding to a predetermined recent historical period Historical cash flow data, which includes the total balance at each reference unit point in time within the predetermined recent historical period; (B) Use an estimation algorithm to analyze the historical cash flow data to estimate the two relevant aspects of the customer The savings potential value of a reference unit period between adjacent reference unit time points; (C) Estimate a savings capacity range of the customer based on a target savings period and the savings potential value from the customer, and will Multiple candidate savings total amounts within the range of savings capabilities are provided to the customer; and (D) when receiving a target total savings amount selected by the customer from the candidate savings total amounts, based on the target total savings amount and the target During the savings period, calculate the smart savings amount for each target unit period within the target savings period, and provide the smart savings amount to the customer. The intelligent savings planning method as described in claim 1 further includes the following steps after the customer performs the first savings transaction: (E) based on the accumulated savings amount of a portion of the accumulated savings period corresponding to the target savings period, Update the smart savings amount for each target unit period within the remaining savings period of the target savings period, and provide the updated smart savings amount to the customer; wherein, after the customer completes each subsequent savings transaction ,step Step (E) is repeatedly performed until the cumulative savings period partially reaches the target savings period. An intelligent savings planning system is used to carry out savings planning for a customer of a banking institution, and includes: a planning server adapted to connect to a user terminal used by the customer and store a savings related to a reference unit period a potential estimation algorithm; and a data server connected to the planning server, storing account information of all customers of the banking institution, and communicating with at least one external bank database using an application programming interface; wherein, when the 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 the customer's unique identification data to the data server; wherein , the data server responds to the data request from the planning server and collects external account information about the customer from the at least one external bank database through the application programming interface, and compares the external account information with all Store all account information corresponding to the customer's account information and transmit it to the planning server; wherein, the planning server integrates the customer's recent history corresponding to a reservation based on all the account information of the customer from the data server Historical cash flow data during the period, which includes the total balance at each reference unit time point within the predetermined recent historical period, and uses the estimation algorithm to analyze the historical cash flow data to estimate Calculate the customer's savings potential value for the reference unit period, estimate a savings capacity range of the customer based on the target savings period and the savings potential value included in the planning request, and calculate the savings capacity range of the customer within the savings capacity range. A plurality of candidate savings total amounts are transmitted to the user terminal for display to the customer, and when a target savings total amount selected by the customer from the user terminal is received, based on the Based on the total target savings amount 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 notified to the user terminal. The intelligent savings planning system as described in request item 3, wherein: the data server stores the savings status data related to the savings plan after the customer executes the first savings transaction of the savings plan, and the data server stores the savings status data related to the savings plan after the customer executes the savings plan. After each subsequent savings transaction of the savings plan is completed, the savings status data is updated, and the saved or updated savings status data is sent to the planning server; and the planning server is based on the data received each time. The savings status data of the server obtains a cumulative savings amount corresponding to a cumulative savings period portion of the target savings period, and updates each target unit period within a remaining savings period portion of the target savings period based on the cumulative savings amount. The smart savings amount is determined, and the user terminal is notified of the updated smart savings amount.

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