TWM611658U - Intelligent investment system - Google Patents

Abstract

An intelligent investment system includes a bank server including a rebalance module, and a user terminal and an insurance company server that establish a connection with the bank server. The user terminal establishes a first risk suitability evaluation result, a second risk suitability evaluation result, and an investment-type insurance policy contract corresponding to a user through a financial service platform provided by the bank server. When the rebalancing module determines that the second risk applicability assessment result meets a preset condition in response to the repeated rebalancing cycle of the investment policy contract, it is based on an investment period, an investment amount, and the corresponding investment policy contract. The second risk suitability assessment result is to recalculate an investment content corresponding to the investment-type insurance policy contract.

Description

Intelligent investment system

This model relates to an investment system, especially an intelligent investment system for banks and insurance companies.

Traditionally, whether the investment policies provided by insurance companies are promoted and sold through insurance companies or cooperative banking channels, business personnel or financial specialists need to introduce customers beforehand, sign contracts to execute transactions, and provide follow-ups. Various investment proposals, which require a lot of human resources. On the other hand, some companies have used web pages to provide various services of investment insurance policies through the Internet (but not the provision of sales). However, for investment policies or commodities that customers have purchased, they are still using human resources to communicate investment information to customers through telephone care or unidirectional electronic messages. However, these investment messages are often not customized arrangements for each customer, and the results are not very helpful to the customers. Therefore, for customers who purchase investment insurance policies, how to provide more efficient investment advice and risk management has become a problem to be solved.

Therefore, the purpose of the present invention is to provide a more efficient intelligent investment system for investment advice and risk management.

Therefore, the present invention provides an intelligent investment system suitable for a user, and includes a user terminal, a bank server, and an insurance company server. The user terminal is suitable for operation by the user. The bank server corresponds to a bank, can establish a connection with the user terminal, and includes a first database and a rebalance module electrically connected to the first database. The insurance company server corresponds to an insurance company, establishes a connection with the bank server, and includes a second database.

Wherein, the user terminal uses a financial service platform provided by the bank server to establish a first risk suitability evaluation result, a second risk suitability evaluation result, and an investment-type insurance policy contract corresponding to the user. The first risk suitability evaluation result and the second risk suitability evaluation result correspond to the bank and the insurance company, respectively. The first database stores the first risk suitability assessment result and the investment policy contract, and the second database stores the second risk suitability assessment result and the investment policy contract.

When the rebalancing module determines that the second risk applicability assessment result meets a preset condition in response to the repeated rebalancing cycle of the investment policy contract, it is based on an investment period, an investment amount, and the corresponding investment policy contract. The second risk suitability assessment result is to recalculate an investment content corresponding to the investment-type insurance policy contract. The bank server provides the investment content to the user terminal through the financial service platform, and after the user confirms the execution, updates the investment content corresponding to the investment policy contract Content.

In some implementation aspects, the predetermined condition includes that the second risk suitability assessment result is not overdue.

In some implementation aspects, both the first risk suitability assessment result and the second risk suitability assessment result include a positive type, a robust type, and a conservative type. The preset condition also includes that the second risk suitability assessment result is a positive type or a robust type.

In other implementation aspects, the investment content includes multiple fund targets, multiple fund net values, and multiple fund unit numbers, respectively. The rebalancing module determines the fund targets and the number of fund units according to the attributes of the second risk applicability assessment result, so as to expect to reach an expected achieved amount corresponding to the investment amount during the investment period.

In some implementation aspects, the user terminal uses the financial service platform provided by the bank server to first establish the first risk suitability assessment result, and provide the investment period and the investment amount, so that the bank The server determines the fund targets of the investment content and the number of fund units at the initial stage according to the attributes of the first risk suitability assessment result.

In some implementations, the user terminal is able to adjust the initial investment content of the funds through the user terminal based on the initial investment content provided by the bank server. The target and the number of such fund units.

In some implementation aspects, the user terminal can update the first risk suitability evaluation result, the second risk suitability evaluation result, and the rebalancing cycle through the financial service platform provided by the bank server .

In some implementations, when the second risk suitability assessment result is overdue, the bank server displays an update button on the webpage through the financial service platform to prompt the user terminal to operate The user can choose to perform the update of the second risk suitability assessment result.

The effect of the present invention is: by the rebalancing module in the rebalancing period corresponding to the investment policy contract, re-judging whether the second risk suitability assessment result meets the preset condition, and when the preset condition is met , According to the investment period, the investment amount, and the attributes of the second risk applicability assessment result corresponding to the investment insurance policy contract, the investment content corresponding to the investment insurance policy contract can be recalculated to achieve a more efficient Intelligent investment system for investment advice and risk management.

1: User terminal

2: Bank server

21: Rebalance module

22: The first database

3: Insurance company server

31: The second database

The other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Fig. 1 is a block diagram illustrating an embodiment of the present invention intelligent investment system.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to FIG. 1, an embodiment of the new intelligent investment system is suitable for a user and includes a user terminal, a bank server, and an insurance company server. The bank server includes a first database and a rebalance module electrically connected to the first database. The rebalancing module is, for example, a customized chip, but in other embodiments, it can also be implemented by a central processing unit of the bank server. The insurance company server includes a second database. The first database and the second database are, for example, a storage device, such as a disk array, a hard disk device, and so on.

The user terminal is suitable for operation by the user, and is, for example, a smart phone, a notebook computer, a tablet computer, or a computer host, etc., a device with a network function. The bank server corresponds to a bank and can establish a connection with the user terminal. The insurance company server corresponds to an insurance company and establishes a connection with the bank server. The user is, for example, a consumer who belongs to a customer of the bank and wants to purchase financial products of an investment insurance policy provided by the insurance company.

The user provides a user account and password through the user terminal to log in to a financial service platform provided by the bank server. Then, enter a platform service terms and an investment attribute analysis on a platform webpage provided by the financial service platform. The bank server analyzes the investment attributes, for example, through a KYC questionnaire belonging to the bank, to establish a first risk suitability assessment result corresponding to the user. The first risk suitability evaluation result includes, for example, a positive type, a robust type, and a conservative type.

In this embodiment, when the bank server determines that the first risk suitability assessment result corresponding to the user is a positive type, it provides a policy trial webpage so that the user can input an investment period and an investment period through the user terminal. An investment amount, so that the bank server determines an initial investment content according to the attribute of the first risk suitability evaluation result. The investment content includes multiple fund targets, multiple fund net values, and multiple fund unit numbers after screening and corresponding respectively. The investment period is for example (6 years, a more balanced allocation of stocks and debts), (10 years, a more balanced allocation of stocks and debts), (15 years, a portfolio with more stocks), (above 20 years, the most active investment Combination) and many other options. The investment amount has a minimum limit of 100,000 yuan, for example. Then, the user uses the user terminal according to the initial investment content provided by the bank server, so that the user can adjust the initial investment content and the fund targets of the investment content through the user terminal. The number of these fund units. In addition, it should be particularly supplemented that: in other embodiments, the bank server may also provide the insurance policy trial webpage when it determines that the first risk suitability assessment result corresponding to the user is robust.

After the user confirms or adjusts the investment content at the initial stage, by using the user terminal to reply to an investment insurance product insurer’s risk suitability questionnaire on another platform webpage provided by the financial service platform, it belongs to the insurance company According to another KYC questionnaire, the bank’s server creates a second risk suitability evaluation result corresponding to the user. The second risk suitability evaluation result includes, for example, positive, robust, And conservative. Finally, the bank server creates and executes an investment-type insurance policy contract corresponding to the user and the adjusted investment content. And the first database stores the first risk suitability evaluation result and the investment type insurance policy contract, and the second database stores the second risk suitability evaluation result and the investment type insurance policy contract.

When the rebalancing module determines that the second risk applicability assessment result meets a preset condition in response to the repeated rebalancing cycle of the investment policy contract, it is based on the investment period, the investment amount, and the investment period of the investment policy contract. The second risk applicability assessment result is to recalculate the investment content corresponding to the investment-type insurance policy contract.

More specifically, the rebalancing period is, for example, one year, and in this embodiment, the preset condition includes that the second risk suitability assessment result is not overdue, and the second risk suitability assessment result is positive or belongs to Robust type. Then the rebalancing module re-screens the multiple fund targets provided by the bank based on the attributes of the second risk suitability assessment result, for example, whether it is active or stable, and then determines the funds for the investment content The target and the number of these fund units are expected to reach an expected achieved amount corresponding to the investment amount within the investment period. In addition, when the second risk suitability assessment result is conservative, the rebalancing module does not update the investment content.

The bank server provides the investment content after the rebalancing module is re-adjusted or trial-calculated through the financial service platform to the user terminal, and after the user confirms the execution, it updates and executes the corresponding investment policy contract Of the investment content. In addition, it should be noted that: the user can access the bank through the user terminal The financial service platform provided by the bank server updates the first risk suitability evaluation result, the second risk suitability evaluation result, and the rebalancing cycle at any time, so as to instantly respond to customer needs.

In summary, the new model uses the rebalancing module to re-determine whether the second risk suitability assessment result meets the preset condition in the rebalance period corresponding to the investment policy contract, and when it meets the preset condition At the time, according to the investment period, the investment amount, and the attributes of the second risk applicability assessment result of the corresponding investment insurance policy contract, the investment content corresponding to the investment insurance policy contract is recalculated, so the new cost objective can indeed be achieved .

However, the above are only examples of the present model. When the scope of implementation of the present model cannot be limited by this, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

1: User terminal

2: Bank server

21: Rebalance module

22: The first database

3: Insurance company server

31: The second database

Claims (8)

An intelligent investment system is suitable for a user, and includes: a user terminal, suitable for the operation of the user; a bank server, corresponding to a bank, and capable of establishing a connection with the user terminal, and includes a first A database and a rebalancing module electrically connected to the first database; and an insurance company server, corresponding to an insurance company, and establishing a connection with the bank server, and including a second database; where The user terminal uses a financial service platform provided by the bank server to establish a first risk suitability evaluation result, a second risk suitability evaluation result, and an investment-type insurance policy contract corresponding to the user. The first risk The suitability evaluation result and the second risk suitability evaluation result correspond to the bank and the insurance company respectively. The first database stores the first risk suitability evaluation result and the investment policy contract, and the second database stores the second risk According to the result of the suitability evaluation and the investment policy contract, the rebalancing module judges that the second risk suitability evaluation result meets a preset condition according to the rebalancing cycle of the investment policy contract. An investment period, an investment amount, and the second risk applicability assessment result, recalculate an investment content corresponding to the investment-type insurance policy contract, and the bank server provides the investment content to the user terminal through the financial service platform , And after the user confirms the execution, update the investment content corresponding to the investment policy contract. The smart investment system according to claim 1, wherein the preset condition includes The result of the second risk applicability assessment is not overdue. The smart investment system according to claim 2, wherein the first risk suitability evaluation result and the second risk suitability evaluation result both include a positive type, a robust type, and a conservative type, and the preset condition also includes the second risk The result of suitability assessment is positive or robust. The smart investment system according to claim 2, wherein the investment content includes a plurality of fund targets, a plurality of fund net values, and a plurality of fund unit numbers, and the rebalancing module is based on the second risk suitability assessment result The attribute of the fund, determine the target of the fund and the number of the fund unit, in order to expect to reach an expected achieved amount corresponding to the investment amount during the investment period. The smart investment system according to claim 4, wherein the user terminal first establishes the first risk suitability evaluation result through the financial service platform provided by the bank server, and provides the investment period and the investment amount , Enabling the bank server to determine the initial investment content of the fund targets and the number of fund units based on the attributes of the first risk suitability assessment result. The smart investment system according to claim 5, wherein the user terminal is able to adjust the initial investment content through the user terminal according to the initial investment content provided by the bank server The target of the fund and the number of units of the fund. The smart investment system of claim 6, wherein the user terminal can update the first risk suitability evaluation result, the second risk suitability evaluation result, and the financial service platform provided by the bank server The rebalancing period. The smart investment system according to claim 7, wherein, when the second risk suitability assessment result is overdue, the bank server displays an update button on the webpage through the financial service platform to prompt the user The user of the terminal operation can choose to perform the update of the second risk suitability assessment result.

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