Asset Management Service Delivery Method

Abstract

The asset allocation service providing method of the service providing device of the embodiment of the present invention comprises the following steps: obtaining user analysis information based on user input information input through a user terminal; determining asset setting information corresponding to the user analysis information; applying the asset setting information to an asset allocation engine based on pattern information stored in advance to generate initial investment portfolio information; providing the initial investment portfolio information to the user terminal, obtaining user matching information corresponding to the initial investment portfolio information from the user terminal; and providing real-time demonstration information of the user-customized asset allocation pattern determined based on the user matching information to the user terminal.

Description

Technical Field

[0001] The present invention relates to a service providing method and device thereof. More specifically, the present invention relates to a global asset allocation and asset management service system. Background Art

[0002] Customers who sign agency contracts with financial companies for the use of financial assets seek stability while pursuing high returns. Therefore, financial companies collect investment funds from multiple contractors and use them, strive to guarantee the principal of the contractors' investment funds, and provide various products that pursue returns corresponding to the principal of the investment funds.

[0003] As a method for effectively allocating the product, portfolio selection theory is widely used. According to portfolio selection theory, which is one of the strategies for effective asset investment, for asset investment, when the expected returns are the same, a product combination of asset groups with lower risks is selected, and when the risks are the same, a product combination of asset groups with higher expected returns is selected.

[0004] There are cases where investors build their investment portfolios on their own, but generally, they receive professional advice and recommendations from sales outlet staff. However, professional advice is time-consuming and difficult to trust, and recently, automated investment portfolio building tools such as smart investment advisors have been developed.

[0005] However, current automated investment portfolio building tools have the following problems: they are most suitable for determining only the initial investment portfolio model to be recommended to customers, and it is very difficult to change an already determined investment portfolio model.

[0006] That is, current investment portfolio tools such as smart investment advisors have the following problem: they analyze customer preferences through questionnaires, etc., and automatically propose the best investment portfolio model through evaluation and analysis. However, after determining the initial investment portfolio model and linking the customer's account information, they only execute continuous asset allocation and periodic portfolio balance corresponding to the selected model, and cannot provide customers or investors with real-time changes or intervention rights corresponding to the model.

[0007] However, when a customer requests a change or intervention in the model itself or a demonstration corresponding to it, the current investment portfolio tool cancels the linkage of account information, rejoins and reanalyzes the account information, and selects a new investment portfolio model again, which shows a structural limitation that cannot be processed in real time to match the needs or demands of the customer. That is, the current automated system such as robo-advisory only provides demonstrations of changes to other investment portfolio models or cannot perform a program to rebuild the model after selecting an investment portfolio model once.

[0008] Therefore, the reality is that the current asset allocation solution system only provides a one-way program led by all business locations and professionals, while real-time changes and interventions by individual users such as customers and investors after their first joining are cut off.

[0009] Furthermore, the operational strategy based on the portfolio model is limited to only 3 to 4 sales companies due to the one-way nature of the model and the difficulty of change. Ultimately, all business forces are concentrated in only a few high-asset holders.

[0010] Due to the limitations of the product's sales and business structure, the circulation paths of various personalized smart investment advisory basic investment portfolios for multiple small users are restricted.

[0011] That is, among asset management product sales companies entrusted with the sale of portfolio product groups, the portfolio management of a small number of high-asset holders prioritizes costs and efficiency, and they are completely unable to utilize the characteristics and advantages of smart investment advisors and portfolio demonstration tools. Summary of the invention

[0012] Technical issues

[0013] The present invention is developed to solve the above-mentioned problems. The purpose of the present invention is to provide a global asset allocation service providing method and device thereof, which processes the matching recommended investment portfolio demonstration and real-time re-application corresponding to the user-led change settings, thereby solving the unidirectionality and non-real-time nature of the above-mentioned current system and improving the user convenience of customers and investors.

[0014] Furthermore, the present invention aims to provide a service providing terminal device and an operating method thereof, by which anyone can easily transform investable objects such as various financial products and investment assets, which are represented by yields, into investment commodities based on investment portfolio projects generated according to investment portfolio demonstrations, and provide an asset management service network and a system for sharing and selling them, and break away from the restrictive and uniform sales method that targets only a small number of high-value investors, so that most users can invest in matching optimal asset allocation investment portfolio models that match themselves.

[0015] Furthermore, the purpose is to solve the one-way and non-real-time nature of the above-mentioned current system and improve user convenience for customers and investors by processing the recommended portfolio presentation and real-time re-application based on user-driven change settings in the matching asset allocation investment portfolio model.

[0016] Technical Solution

[0017] The asset allocation service providing method of the service providing device of the embodiment of the present invention for solving the above-mentioned problems includes the following steps: obtaining user analysis information based on user input information input through a user terminal; determining asset setting information corresponding to the user analysis information; applying the asset setting information to an asset allocation engine based on pattern information stored in advance to generate initial investment portfolio information; providing the initial investment portfolio information to the user terminal, obtaining user matching information corresponding to the initial investment portfolio information from the user terminal; and providing real-time demonstration information of the user-customized asset allocation pattern determined based on the user matching information to the user terminal.

[0018] An asset allocation service providing method of a service providing device of an embodiment of the present invention for solving the above-mentioned problems relates to an asset management service providing method of a service providing device, which obtains user analysis information based on user input information input through a user terminal; provides an investment portfolio project interface containing investment portfolio projects related to one or more investment assets selected corresponding to the user analysis information from an investment portfolio project market constructed based on an online network; and provides an asset allocation engine service corresponding to the applicable selected investment portfolio project based on user input corresponding to the investment portfolio project interface.

[0019] Furthermore, the operating method of the terminal device providing asset management services of the embodiment of the present invention for solving the above-mentioned problems includes the following steps: receiving user input information for obtaining user analysis information and transmitting it to the asset management service providing device; receiving investment portfolio items related to one or more investment assets selected corresponding to the user analysis information from the investment portfolio item market constructed based on the online network by the service providing device, thereby outputting them through the investment portfolio item interface; and requesting the asset management service providing device to provide an asset allocation engine service corresponding to the applicable selected investment portfolio item based on the user input corresponding to the investment portfolio item interface.

[0020] Furthermore, the method of the embodiment of the present invention for solving the above-mentioned problems is realized by a program for executing the method on a computer and a recording medium recording the program.

[0021] Beneficial Effects

[0022] According to an embodiment of the present invention, there is provided an asset management service network and system thereof, which allows anyone to easily convert investable objects such as various financial products and investment assets displayed by yields into investment products based on investment portfolio items generated according to investment portfolio demonstrations, and to share and sell them.

[0023] This allows a large number of users to invest in an asset allocation investment portfolio model that best matches their own needs, without having to resort to a restrictive and uniform sales method that targets a small number of high-value investors.

[0024] Furthermore, according to an embodiment of the present invention, a user-customized asset allocation pattern is determined by utilizing a user-customized asset allocation pattern determined based on user matching information, and corresponding real-time demonstration information is provided to a user terminal. Based on the real-time demonstration information, by processing the recommended investment portfolio demonstration and real-time re-application of user-led change settings, the unidirectionality and non-real-time nature of the above-mentioned current system are resolved, and the user convenience of customers and investors is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] Figure 1 A conceptual diagram briefly showing the entire system of an embodiment of the present invention;

[0026] Figure 2 A block diagram of an asset allocation engine service providing device for more specifically describing an embodiment of the present invention;

[0027] Figure 3 A block diagram of a user terminal device for more specifically illustrating an embodiment of the present invention;

[0028] Figure 4 A block diagram of an asset management service providing apparatus for more specifically describing an embodiment of the present invention;

[0029] Figure 5 A flowchart of an asset allocation engine service provider for illustrating an embodiment of the present invention;

[0030] Figure 6 A flowchart for explaining a portfolio re-application procedure according to another embodiment of the present invention;

[0031] Figures 7 to 16 A diagram for illustrating an asset allocation engine service interface outputted through a user terminal device according to an embodiment of the present invention;

[0032] Fig.17 A flowchart of a method for providing asset management services for illustrating an embodiment of the present invention;

[0033] Figures 18 to 24 A diagram of an asset management service interface output from a user terminal device for illustrating asset management service provision according to an embodiment of the present invention;

[0034] Fig.25 A flowchart for explaining the operation of a shared market service of an asset management service providing device according to an embodiment of the present invention;

[0035] Figure 26 to Figure 32 A diagram for illustrating an asset management service interface provided to a user terminal device according to a sharing market service according to an embodiment of the present invention;

[0036] Fig.33 A flowchart of a portfolio item generation procedure of an asset management service providing device for explaining an embodiment of the present invention;

[0037] Figures 34 to 40 A diagram of an asset management service interface output from a user terminal device for illustrating a procedure for generating an investment portfolio according to an embodiment of the present invention;

[0038] Fig.41 FIG. 1 is a flow chart of a portfolio project-based alliance process for illustrating an embodiment of the present invention. DETAILED DESCRIPTION

[0039] The following content is only an example of the principle of the present invention. Therefore, those skilled in the art can implement the principle of the present invention and invent various devices included in the concept and scope of the present invention even if it is not clearly described or shown in this specification. In addition, all conditional terms and embodiments listed in this specification are in principle only for the purpose of clearly understanding the concept of the present invention, and should be understood as not limited to the embodiments and states specifically listed.

[0040] Furthermore, all detailed descriptions of the principles, viewpoints and embodiments of the present invention, as well as specific embodiments, should be understood to include structural and functional equivalents of the matters. Moreover, the equivalents and currently known equivalents, as well as currently developed equivalents, regardless of structure, should be understood to include all elements invented in a manner that performs the same function.

[0041] Therefore, for example, the block diagrams in this specification should be understood as showing the conceptual viewpoint of the circuits that embody the principles of the present invention. Similarly, all flow charts, state change diagrams, pseudo codes, etc. are actually displayed on a computer-readable medium, regardless of whether the computer or processor explicitly displays them, and should be understood as showing various programs executed by the computer or processor.

[0042] Furthermore, the explicit use of the terms processor, control or similar concepts disclosed herein is not interpreted to exclude reference to hardware capable of executing software, and is interpreted to imply, without limitation, digital signal processor (DSP) hardware, read-only memory (ROM), random access memory (RAM) and non-volatile memory for storing software. Other well-known and commonly used hardware may also be included.

[0043] The above-mentioned objects, features and advantages will become more apparent through the following detailed description with reference to the accompanying drawings, so that it will be easier for a person skilled in the art to which the present invention belongs to implement the technical idea of ​​the present invention. In addition, when describing the present invention, if it is determined that the specific description of the known technology related to the present invention is unnecessary and confuses the gist of the present invention, the specific description will be omitted.

[0044] Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

[0045] Figure 1 This is a conceptual diagram schematically showing the entire system of an embodiment of the present invention.

[0046] Reference Figure 1 The entire system of the embodiment of the present invention includes: an asset allocation engine service providing device 100, an asset management service providing device 500, one or more user terminals 200 and one or more financial servers 300.

[0047] The entire system is connected to each other through a communication network including wired and wireless Internet. In addition, a network for securely connecting each communication is formed between the asset allocation engine service providing device 100, the asset management service providing device 500, the user terminal 200 and the financial server 300. In addition, there are communication modules for each asset allocation engine service providing device 100, the user terminal 200 and the financial server 300 to connect to the communication network and send and receive data.

[0048] The communication network includes, for example, wired Internet including open networks and closed networks; wireless network communication networks linked to mobile communication networks; data communications based on protocols such as TCP (Transmission Control Protocol) / IP (Internet Protocol) and UDP (User Datagram Protocol), thereby exemplifying computer networks capable of various data communications.

[0049] Furthermore, the asset allocation engine service providing device 100, through the request of the user terminal 200 or the asset management service providing device 500, cooperates with the financial server 300 to process one or more programs for providing the asset allocation engine service of an embodiment of the present invention, and provides the processed data to the asset management service providing device 500 or the user terminal 200.

[0050] Here, the asset allocation engine service providing device 100 provides asset allocation solution analysis and the asset allocation processing service according to the request of the asset management service providing device 500 or the user terminal 200. To this end, the asset allocation engine service providing device 100 includes at least one of a database, a project selection engine, an asset allocation engine, and a presentation engine.

[0051] In particular, the asset allocation engine service providing device 100 of the embodiment of the present invention corresponds to domestic and foreign listed companies through the project selection engine, retrieves financial data corresponding to the financial projects required by the user, and generates a project selection investment portfolio consisting of the best investment projects. Here, the stock market analyst (QUANT) algorithm method is exemplified in the project selection investment portfolio generation.

[0052] In addition, the asset allocation engine service providing device 100 corresponds to the project selection investment portfolio. Through the asset allocation engine drive and the demonstration engine drive, it can generate a matching pattern of user intervention, which corresponds to the asset allocation corresponding to the currently applicable investment portfolio, and handles the pattern demonstration and real-time re-application of user-led change settings, thereby solving the unidirectional and non-real-time nature of existing smart investment advisors.

[0053] Furthermore, the asset allocation engine service providing device 100 provides the generated matching asset allocation model by uploading it to a website, and can also provide relevant information offline or online. All matching asset allocation models include: an automated financial information processing program, which is algorithmized and can automatically perform buying and selling processing.

[0054] For example, investment portfolio projects based on the matching asset allocation pattern generated by the asset allocation engine service providing apparatus 100 are uploaded to the sharing market through the asset management service providing apparatus 500 .

[0055] The asset management service provider 500 processes and provides investment portfolio items to the user terminal 200 through the use of the shared market, and also confirms other investment portfolio items in other user terminals 200, which are fully or partially applied to their own investment portfolios, or a new investment portfolio item is created again through the combination. Here, all matching asset allocation modes included in the investment portfolio items include automated financial information processing programs, which are implemented as algorithms through the asset allocation engine service provider 100, so that the buying and selling process can be automatically performed. In addition, for this purpose, the asset management service provider 500 includes: a matching product investment management module, which is used for matching product investment management based on the asset management engine service provider 100 based on the user information registration of the user terminal 200, and a shared market module based on the investment portfolio items according to the user.

[0056] Here, the investment portfolio items include asset allocation investment portfolio information of market sharing, sales, purchase or combination according to the embodiment of the present invention, and the yield is calculated in real time according to the investment portfolio items and provided to the user terminal 200. That is, the investment portfolio items refer to the investment product data set (SET) composed of investable objects such as various financial products, investment assets, etc., which are expressed by yield according to the user matching settings.

[0057] For example, the investment product data set corresponding to the investment portfolio project includes: basic investment portfolio structure information, asset allocation information set by the user, combination information and combination weight information of the combination of multiple investment portfolio projects, and combination theme information. In addition, through the driving of the engine service providing device 100, the past investment results and demonstration information corresponding to the investment product data set are provided to the user terminal 200 in real time. The data set is registered on the shared market network provided by the asset management service providing device 500 and shared with other users.

[0058] Here, the shared market network is composed of a user terminal 200 connected to an asset management service provider 500, and is based on a server network dominated by the asset management service provider 500, but is not limited to this, and utilizes various forms of shared market networks such as international networks, network disk networks, blockchain networks, etc.

[0059] Therefore, in the case of a user of the user terminal 200, the investment product data set corresponding to the investment portfolio project can be generated by anyone registering in the asset management service providing device 500 and obtaining the investment portfolio demonstration of the asset allocation engine service providing device 100, and shared or sold through the sharing market provided by the asset management service providing device 500.

[0060] Therefore, users can easily form investment products based on investment portfolio projects through the user terminal 200, the asset management service provider 500 provides an asset management service network and its system that can be shared and sold, and the asset allocation engine service provider 100 executes project selection, asset allocation and presentation procedures for generating investment portfolio projects, and provides the results to the user terminal 200 or the asset management service provider 500.

[0061] In addition, other users can obtain investment portfolio projects that are suitable for their own preferences or benchmarks from the asset management service providing device 500 through the user terminal 200, and select suitable projects from them to obtain investment and automatic trading services provided by the asset allocation engine service providing device 100. Regardless of the amount, various investment portfolio project combinations and real-time setting changes in liquid investments can be made.

[0062] This will free users from the restrictive and uniform sales method that targets only a small number of high-value investors, and allow them to invest in an asset allocation portfolio model that best matches their own needs, and change the application in real time.

[0063] To this end, the asset management service provider 500 of the embodiment of the present invention processes user registration by confirming the user account information and executing authentication of the user terminal 200, and obtains user analysis information based on the user input information input by the user terminal 200 and transmits it to the asset allocation engine service provider 100.

[0064] In addition, the asset allocation engine service provider 100 determines the asset setting information corresponding to the user analysis information, applies the asset setting information to the asset allocation engine based on the pattern information stored in advance to generate initial investment portfolio information, provides the initial investment portfolio information to the asset management service provider 500 or the user terminal 200, and obtains the user matching information corresponding to the initial investment portfolio information from the asset management service provider 500 or the user terminal 200, and provides the real-time demonstration information of the user-customized asset allocation pattern determined based on the user matching information to the asset management service provider 500 or the user terminal 200, thereby generating a user-matching asset allocation pattern, and providing the real-time demonstration information to the asset management service provider 500 or the user terminal 200.

[0065] Thus, the asset allocation engine service providing device 100 includes: an asset allocation engine, which processes the storage and management of more than one asset allocation mode; a database, which stores user information, asset setting information, trading registration information and demonstration information. The more specific structure is Figure 2 Provide explanation.

[0066] Furthermore, the asset allocation engine service providing device 100 communicates with the financial server 300 directly or via the asset management service providing device 500 to perform the most appropriate financial processing for the investment assets of the user of the automatic buying and selling service of the asset setting information.

[0067] In addition, the financial server 300 corresponds to one or more financial institution servers, for example, a bank server or a securities company server that processes asset transfer or transaction information of an investment target account in response to a request from the asset allocation engine service providing device 100 .

[0068] In particular, the asset allocation engine service providing device 100 of the embodiment of the present invention processes the demonstration of the user-customized asset allocation model and the transaction information of the financial server 300 that applies the user-customized asset allocation model, and provides an automatic trading service based on the demonstration.

[0069] The demonstration and automatic trading services of the asset allocation engine service providing device 100 are executed through a smart investment advisor according to the determined user-customized asset allocation model and the respective items processed corresponding to the respective product items included in the asset allocation model.

[0070] To this end, the asset allocation engine service providing device 100 determines the composite composition of the smart investment advisor by project according to the asset allocation model, and the composite composition program is automatically processed. Therefore, the asset allocation engine service providing device 100 of the embodiment of the present invention can be used as a smart investment advisor using the general concept of smart investment advisor, which is easy to perform the above-mentioned portfolio change demonstration and re-application processing.

[0071] In addition, the user terminal 200 inputs and obtains user information, sends and receives data with the asset management service providing device 500 and the asset allocation engine service providing device 100, and is a user terminal that provides asset management services based on the user information input and communication with the asset management service providing device 500.

[0072] For example, the user terminal 200 is an electronic device capable of setting the service functions of the embodiments of the present invention through an application program, such as a smart phone, a notebook computer, a tablet computer, an autonomous server, etc.

[0073] Furthermore, the user of the embodiment of the present invention is a user who obtains asset management services. For example, the user as the user of the user terminal 200 is a direct investor, but examples include various users who obtain the asset management services provided through the user terminal 200, such as a salesperson who designs an investment portfolio and an investment consultant.

[0074] Furthermore, the user terminal 200 processes the information provided by the asset management service providing device 500 and outputs it through a display interface, and has one or more output units (not shown) for it. The output unit includes an interface for providing information to the user. For example, the output unit has one or more display interfaces.

[0075] Furthermore, in the embodiment of the present invention, the asset management service providing device 500 and the asset allocation engine service providing device 100 are described as separate devices, but the present invention is not limited thereto, and each device is modularized and included as a component of a service providing device. Therefore, the asset management service providing device 500 and the asset allocation engine service providing device 100 of the embodiment of the present invention integrate all or part of their functions and are implemented in one service providing device, or can also be implemented in a distributed manner through multiple service providing devices set up remotely.

[0076] Figure 2 A block diagram of an asset allocation engine service providing device is provided to more specifically illustrate an embodiment of the present invention.

[0077] Reference Figure 2 The asset allocation engine service providing device 100 of the embodiment of the present invention includes: a communication unit 105, an asset allocation engine management unit 120, a project setting information management unit 130, a user information analysis unit 140, a demonstration processing unit 150, a management service linkage unit 160, an automatic buying and selling processing unit 170, an investment portfolio re-application processing unit 190 and a database management unit 180.

[0078] The communication unit 105 includes one or more communication modules for communicating with the asset management service provider 500, the financial server 300 or the user terminal 200 or with the network where the asset management service provider 500, the financial server 300 or the user terminal 200 are located.

[0079] Here, the communication unit 105 can be connected wirelessly or wired via a short-range communication network (LAN: Local Area Network) and the Internet, connected via a USB (Universal Serial Bus) port, connected via a mobile communication network such as 3G, 4G, or connected via short-range wireless communication methods such as NFC (Near Field Communication), RFID (Radio Frequency Identification), and Wi-Fi.

[0080] In addition, the communication unit 105 receives user registration information for providing asset management and asset allocation services from the asset management service providing device 500 or the user terminal 200, and the user information analysis unit 140 registers and processes the user information of the received user registration information and performs user management processing corresponding to the registered user information.

[0081] In particular, the user information analysis unit 140 provides a user analysis interface for user analysis to the user terminal 200 through the asset management service providing device 500 or directly, and analyzes user input information corresponding to the user analysis interface, thereby obtaining user analysis information.

[0082] The project setting information management unit 130 collects asset information from the asset management service providing device 500 or the user terminal 200, obtains project setting information corresponding to the collected user asset information, and stores and manages it. Here, the project setting information includes financial asset information that the user wants to invest in and asset group allocation information selected by the user, which can be obtained from user analysis information.

[0083] Furthermore, the asset allocation engine management unit 120 is adapted to set the asset allocation engine in accordance with the asset allocation pattern information of the user analysis information and the project setting information in advance, and determine the initial investment portfolio.

[0084] For example, the asset allocation engine management unit 120 drives the asset allocation engine according to the portfolio determination algorithm corresponding to the asset allocation pattern applicable to the pre-set user analysis information and project setting information, and outputs the asset allocation pattern information including the initial investment portfolio. To this end, the asset allocation engine management unit 120 stores and manages one or more asset allocation pattern engine information driven based on the user analysis information.

[0085] Furthermore, asset allocation pattern information including the initial investment portfolio is provided to the asset management service providing device 500 or the user terminal 200. Here, the initial investment portfolio information includes an investment portfolio determined by the asset allocation pattern determined in correspondence with the user analysis information based on the operation of the asset allocation engine management unit 120 in one or more standard asset allocation modules known in advance.

[0086] For example, the asset allocation pattern of the initial investment portfolio information is determined based on the asset investment tendency analyzed by the user, including the asset allocation ratio classified by the asset type of the asset investment tendency. For example, the asset type includes ETF, deposit / liquidity funds, Korean domestic bonds, Korean domestic stock market, overseas stock market, overseas bonds, response plan investment funds, structured bonds and bank insurance, etc., and the respective asset allocation ratios are determined by asset type. Therefore, the initial investment portfolio information includes the investment ratio information corresponding to the project according to each asset type, and the corresponding asset allocation pattern information is visualized in the form of daily sales activities, so that it can be provided to the asset management service providing device 500 or the user terminal 200.

[0087] Thus, in the user terminal 200, the initial investment portfolio information is output through the investment portfolio interface. In addition, the user terminal 200 obtains the user matching information input from the user, and the input matching information is transmitted to the asset allocation engine service providing device 100. For example, the initial investment portfolio information is a standardized optimal investment ratio, but the user requires personalized matching project settings. Therefore, according to an embodiment of the present invention, the user terminal 200 obtains the user matching information for adding or changing customized assets according to each project, and the user matching information is transmitted to the asset allocation engine service providing device 100.

[0088] Furthermore, the asset allocation engine management unit 120 changes the initial investment portfolio model to the user-customized asset allocation model based on the user matching information, and the changed user-customized asset allocation model information is transmitted to the presentation processing unit 150 .

[0089] The presentation processing unit 150 first processes the model presentation based on the initial investment portfolio information, and provides the processed result information to the user terminal 200. Here, the financial information presented based on the initial investment portfolio information includes the presentation results based on the past financial information, and can display the average annual expected rate of return, annual volatility, maximum drawdown, Sharpe ratio, etc.

[0090] Furthermore, when the user-customized asset allocation pattern is determined, the demonstration processing unit 150 provides real-time demonstration processing of the user-customized asset allocation pattern, and provides the demonstration result to the user terminal 200. Here, the user terminal 200 compares the demonstration result of the initial investment portfolio pattern with the demonstration result of the user-customized asset allocation pattern and provides them, thereby making it very easy for the user to evaluate the results.

[0091] In addition, when the user terminal 200 receives a user buying and selling registration corresponding to an investment portfolio item obtained from the market or a user-customized asset allocation pattern directly registered by the user terminal 200 through the asset management service providing device 500, the automatic buying and selling processing unit 170 receives the user buying and selling registration information including the user account information and the initial asset information according to the request for the user buying and selling registration, and executes the automatic buying and selling program based on the user-customized asset allocation pattern.

[0092] Thus, the automatic trading processing unit 170 provides the current asset allocation portfolio monitoring information of the automatic trading program to the user terminal 200. The monitoring information provides the current asset allocation portfolio model information in a manner provided through the portfolio interface of the user terminal 200.

[0093] In addition, the portfolio re-adaptation processing unit 190 receives change setting information corresponding to the current asset allocation portfolio pattern information from the user terminal 200 .

[0094] To this end, the user change setting information received through the investment portfolio interface is obtained from the user terminal 200, the engine management unit 120 generates a change investment portfolio model based on the change setting information, and the presentation processing unit 150 processes the presentation based on the change investment portfolio model, and provides the real-time presentation result comparison information with the current asset allocation investment portfolio model to the user terminal 200. Thus, the comparison of the presentation result is confirmed at the user terminal 200, and a real-time investment portfolio model change request is input.

[0095] The investment portfolio re-application processing unit 190 executes a re-application process of changing the investment portfolio model corresponding to the current account and assets of the user's trading registration information based on the real-time investment portfolio model change request.

[0096] Here, when there is no addition or change registration of the user's buying and selling registration information, the investment portfolio reapplication processing unit 190 obtains the current account information and the current asset information corresponding to the registered user's buying and selling registration information, and changes the current account information and the current asset information from the current investment portfolio mode to the changed investment portfolio mode to perform automatic change processing of the user's buying and selling registration information for reapplication processing.

[0097] Thus, the automatic trading processing unit 170 executes the automatic trading program based on the user trading registration information of the automatic change process and the changed investment portfolio pattern.

[0098] In addition, when the management service linkage unit 160 generates a user-customized asset allocation pattern for each user, it uploads it to the investment portfolio project sharing market through the asset management service providing device 500 according to the request of the user terminal 200, so as to be applied to product sales. To this end, the management service linkage unit 160 generates the user-customized asset allocation pattern as an investment portfolio project matching the user information and registers it through the asset management service providing device 500, and the registered user-customized asset allocation pattern performs the provision process of the investment portfolio project data set shared to other second user terminals.

[0099] For example, the management service linkage unit 160 provides one or more recommended user customized asset allocation pattern information to the asset management service providing device 500 based on the user analysis information of the second user terminal registered through the asset management service providing device 500, thereby sharing it with the second user terminal connected to the asset management service providing device 500. Therefore, it is also easy to use the customized asset allocation pattern information of other users to set and change the asset allocation pattern.

[0100] Furthermore, the management service linkage unit 160 obtains the investment portfolio item information obtained from the asset management service providing device 500 according to the applicable request of the user terminal 200, and executes the asset allocation engine service corresponding to the obtained investment portfolio item information. Here, the investment portfolio item information includes the user-customized asset allocation pattern for driving the asset allocation engine service, or includes the initial investment portfolio information and matching setting information for generating the user-customized asset allocation pattern.

[0101] Thus, the management service linkage unit 160 executes the asset allocation engine service based on the investment portfolio item information, and provides the asset allocation engine service information to the user terminal 200 or the asset management service providing device 500 .

[0102] Here, the asset allocation engine service controls the operation of at least one of the modules (asset allocation engine management unit 120, project setting information management unit 130, user information analysis unit 140, demonstration processing unit 150, automatic buying and selling processing unit 170, and portfolio re-application processing unit 190) controlled by the control unit 110, and includes a management service for transmitting the result information to the asset management service providing device 500 or the user terminal 200.

[0103] Thus, the management service linkage unit 160 executes at least one of asset allocation engine management, project setting, user information analysis, demonstration processing, automatic buying and selling processing, and portfolio reapplication processing based on the investment portfolio items obtained from the asset management service providing device 500, thereby providing the result to the asset management service providing device 500 or the user terminal 200.

[0104] Furthermore, as described above, the control unit 110 controls the overall operation of each component and includes one or more microprocessors therefor.

[0105] In addition, the database management unit 180 processes the storage and management of pattern information for applying the above-mentioned asset allocation engine, user project setting information, user analysis information, demonstration processing information, management service linkage information with the asset management service providing device 500, automatic buying and selling processing information and portfolio re-application processing information, and includes one or more storage media therefor.

[0106] Figure 3 FIG. 4 is a block diagram of a user terminal for more specifically describing an embodiment of the present invention.

[0107] Reference Figure 3 The user terminal 200 of the embodiment of the present invention includes: an asset management service unit 210, a communication unit 220, a control unit 230, a user input unit 240 and a memory 250.

[0108] The communication unit 220 includes one or more modules, and can communicate between the user terminal 200 and the asset allocation engine service providing device 100 and the asset management service providing device 500 or the network where the asset allocation engine service providing device 100 and the asset management service providing device 500 are located. For example, the communication unit 220 includes: a mobile communication module, a wireless network module, a short-distance communication module, or a wired communication module.

[0109] The user input unit 240 is provided with one or more interface modules for receiving user input. More specifically, the user input unit 240 receives and processes various information such as input user information, user input information for user analysis, user matching information for generating a user-customized asset allocation mode, mode change request information, and automatic trading registration information through the asset management service providing device 500 or the asset allocation engine service providing device 100.

[0110] The control unit 230 controls the overall operation of the general terminal 200 , and in particular controls various asset allocation service actions performed by the asset management service unit 210 .

[0111] The asset management service unit 210 provides various asset management services by communicating with the asset allocation engine service providing apparatus 100 under the control of the control unit 230 .

[0112] To this end, first, the asset management service department 210 includes: a tendency analysis module, which outputs the user analysis information corresponding to the user input information in order to provide asset allocation engine services; a daily sales activity module, which outputs the asset setting information in the form of daily sales activities; an asset allocation module, which outputs the user customized asset allocation mode information; a demonstration module, which outputs the real-time demonstration information; and an automatic trading module, which outputs the current asset allocation investment portfolio supervision information corresponding to the automatic trading program when the asset allocation service providing device obtains the input user trading registration information containing the user account information and initial asset information, and executes the automatic trading program based on the user customized asset allocation mode.

[0113] In addition, the asset management service department 210 includes: a project recommendation module for recommending the best investment portfolio items to users for the purpose of asset management services based on investment portfolio items; a market module for processing inquiries, applications or selections of investment portfolio items shared in the market; a port project portfolio service module for providing new investment portfolio items generated by combining investment portfolio items; an alliance service module for providing competitive alliance services based on a shared market for personalized investment portfolio items; and a focus port management module for providing management and notification services for projects specified by focusing on the investment portfolio.

[0114] Thus, the user terminal 200 provides acquisition of asset management services processed by the asset management service unit 210 or provided by the asset management service providing device 500; asset allocation services provided by the asset allocation engine service providing device 100. In addition, the various service information processed is output to the screen interface, video interface or sound interface through the output unit with the help of the control unit 230.

[0115] Furthermore, the memory 250 includes one or more storage media for storing input and output information in order to execute the program for controlling the control unit 230 and each component.

[0116] Figure 4 It is a block diagram of an asset management service providing apparatus for more specifically illustrating an embodiment of the present invention.

[0117] Reference Figure 4 The asset management service providing device 500 of the embodiment of the present invention includes: a control unit 510, a communication unit 505, a customized investment product management module 520, a shared market module 530 based on port projects, a port project portfolio generation unit 540, a port project theme management unit 550, an alliance application unit 560, a notification management unit 570, an asset allocation engine service linkage unit 590 and an application and network interface management unit 580.

[0118] First, the communication unit 505 includes one or more communication modules for communicating with the engine service provider 100 , the financial server 300 or the user terminal 200 , or communicating with the network where the engine service provider 100 , the financial server 300 or the user terminal 200 are located.

[0119] Here, the communication unit 505 can be in the form of being connected wirelessly or wired via a short-range communication network (LAN: Local Area Network) and the Internet; in the form of being connected via a USB (Universal Serial Bus) port; in the form of being connected via a mobile communication network such as 3G, 4G, etc.; in the form of being connected via short-range wireless communication methods such as NFC (Near Field Communication), RFID (Radio Frequency Identification), and Wi-Fi.

[0120] Furthermore, the communication unit 505 receives user registration information for providing asset management and asset allocation services from the user terminal 200 .

[0121] The customized investment product management module 520 provides user analysis services to the user terminal 200 registered by the user, provides matching investment product information corresponding to the user analysis information, and provides transaction management services of the financial server 300 corresponding to the investment product determined according to the user's selection. To this end, the customized investment product management module 520 includes a product recommendation module and a transaction management module.

[0122] Furthermore, the customized investment product management module 520 of the embodiment of the present invention utilizes the shared market module 530 based on the port project to obtain investment portfolio project (hereinafter referred to as port project) information from the shared market constructed in advance online, and provides product recommendation and transaction management services based on the acquired investment portfolio project information.

[0123] The port project-based shared market module 530 constructs a port project-based shared market through server computing, networks, blockchains, cloud computing or various forms of online networks, generates investment portfolio projects and trades through the constructed market, and provides a market interface for project generation or trading to the user terminal 200.

[0124] Here, the investment portfolio project (port project) as shown above includes investment asset related investment portfolio model information for providing or driving asset allocation engine services, and is registered in advance in the sharing market by matching the user identification information (id) corresponding to the generator.

[0125] The portfolio item-based shared market module 530 provides the user terminal 200 with a portfolio item interface including one or more investment asset-related portfolio items selected in accordance with the user analysis information analyzed in advance in the customized investment product management module 520 from the portfolio item market constructed based on the online network.

[0126] Thus, the user terminal 200 acquires various port project information through the portfolio project interface, and the user selects and inputs a port project suitable for himself.

[0127] Furthermore, the customized investment product management module 520 processes the user transaction information registration corresponding to the applicable selected investment portfolio items, and provides the port item information through the asset allocation engine service linkage unit 590, thereby providing the asset allocation engine service corresponding to the applicable selected investment portfolio items.

[0128] The investment portfolio items as described above are exemplified into two types, one including an investment product dataset of a matching investment portfolio model generated by the engine service providing device 100 and the other being a combination type investment portfolio item.

[0129] First, the investment portfolio items including the matching investment portfolio pattern include the user-customized asset allocation pattern generated by the asset allocation engine service providing device 100 based on the initial investment portfolio pattern and user analysis information, and include the investment portfolio item generator information that shares the investment portfolio items to the market. The investment portfolio item information structure is used by the user who directly uses the engine service providing device 100 when sharing or selling his own user-customized asset allocation pattern through the market.

[0130] In addition, the combined investment portfolio project is generated by the port project combination generating unit 540 according to the input of the user terminal 200, and includes a combined investment portfolio project generated by combining multiple investment portfolio projects registered in the market. The combined investment portfolio project includes: multiple investment portfolio project identification information; and weight setting information corresponding to the multiple investment portfolio project identification information.

[0131] The port project combination generation unit 540 generates personalized investment portfolio projects according to the combination, provides a combination interface for generating combination investment portfolio projects to the user terminal 200, generates combination investment portfolio projects according to user input corresponding to the combination interface, and registers the request through the investment portfolio project basic sharing market module 530. Thus, new investment portfolio projects can be generated and registered in the market only through simple selection and weight setting in the user terminal 200.

[0132] More specifically, the portfolio item combination interface includes: a portfolio item combination control interface capable of selecting according to user input from a plurality of portfolio items registered in the market.

[0133] Furthermore, the port project portfolio generation unit 540 requests the asset allocation engine demonstration through the asset allocation engine service linkage unit 590 according to the automatic weight setting information, and the asset allocation engine service providing device 100 receives the result information and automatically and optimally sets the investment weights between the projects corresponding to the investment portfolio projects selected through the investment portfolio project combination interface.

[0134] In addition, the port project portfolio generation unit 540 can also individually set the investment ratios between projects corresponding to the investment portfolio projects selected through the investment portfolio project combination interface according to the manual weight setting input by the user.

[0135] Furthermore, the portal project portfolio generation unit 540 requests the asset allocation engine demonstration of the combined investment portfolio project generated through the investment portfolio project combination interface through the asset allocation engine service linkage unit 590 , receives the yield information corresponding to the request result and provides it to the user terminal 200 .

[0136] Thus, the port project combination generation unit 540 matches the combination investment portfolio items generated through the investment portfolio project combination interface with the user information and transmits them to the port project-based sharing market module 530. The port project-based sharing market module 530 processes the combination investment portfolio items by registering them in the market so that they can be shared or sold to other users.

[0137] The portal project-based shared market module 530 receives the application selection request of other users corresponding to the registered portfolio project, and compares it with the pre-set purchase conditions to determine whether the purchase is possible. The purchase conditions include, for example, whether the user reserves more than the set funds, the maximum or minimum used assets of the portfolio project, the use period, membership, and the payment of the use fee.

[0138] Furthermore, in the case where the portfolio item can be purchased, the shared market module 530 based on the port item provides an automatic trading service of the product assets based on the portfolio item through the asset allocation engine service linkage unit 590, and in the case where the income of the product assets invested according to the automatic trading is generated, a compensation service is provided to the generator of the portfolio item according to the portfolio item income setting information. Here, the income setting information can be set according to various conditions, for example, conditional income compensation ratio information or conditional compensation information of the applicable period of the portfolio item, etc.

[0139] In addition, when providing the portfolio item interface, the port item-based shared market module 530 designates one or more portfolio items as focused portfolio items according to user input. For example, the user terminal 200 transmits a collection item registration request or a focused item registration request for a portfolio item to the asset management service providing device 500, and the port item-based shared market module 530 designates the portfolio item as focused, thereby completing the processing of the collection item registration request or the focused item registration request.

[0140] Thus, the notification management unit 570 provides a notification service corresponding to the items registered by the focused investment portfolio. The notification service includes a conditional notification information service corresponding to the focused investment portfolio items. More specifically, the notification service includes: a program for registering notification setting information based on the rate of return corresponding to the focused investment portfolio items, and providing notification information to the user terminal according to the notification setting information.

[0141] Furthermore, the notification setting information includes: when the rate of return corresponding to the investment portfolio project of interest increases according to a pre-set rate of return, an increase notification setting of the notification information is transmitted; and when the rate of return decreases according to a pre-set rate of return, at least one of a decrease notification setting of the notification information is transmitted, and specific examples are given below.

[0142] In addition, the port item theme management unit 550 classifies and stores the portfolio items of the shared market based on the theme information included as the attribute information of the portfolio items, and provides the port item list to the shared market module 530 based on the port items according to the classified themes, thereby processing through the market interface so that the portfolio item list based on themes is provided to the user terminal 200. Here, the theme information is directly inserted when the user terminal 200 generates the portfolio items, or can also be generated by the port item theme management unit 550 according to the portfolio item analysis and inserted individually.

[0143] In addition, the alliance operation unit 560 provides a ranking service among the portfolio items of multiple users who have requested alliance registration based on the rate of return or profit amount information within the alliance period set in advance, thereby increasing the participation of multiple users in the creation of portfolio items.

[0144] In addition, as shown above, the asset allocation engine service linkage unit 590 requests the management service linkage unit 160 of the asset allocation engine service providing device 100 to execute all or part of the asset allocation engine service functions based on the request of the port project combination generation unit 540, the port project-based shared market module 530 or the customized investment product management module 520, and receives the result and performs response processing.

[0145] More specifically, the asset allocation engine service linkage unit 590 obtains the asset setting information and user matching information corresponding to the applicable selected investment portfolio project from the shared market module 530 or the customized investment product management module 520 based on the port project, and transmits it to the engine service provider 100. The engine service provider 100 applies the asset setting information to the asset allocation engine based on the pre-stored pattern information to generate initial investment portfolio information, and provides automatic buying and selling and supervision services using the user-customized asset allocation pattern determined based on the initial investment portfolio information and the user matching information to the user terminal 200.

[0146] Furthermore, the asset allocation engine service linkage unit 590 requests the engine service provider 100 to provide the current asset allocation investment portfolio model information through the investment portfolio interface of the user terminal 200, and provides the engine service provider 100 with the information corresponding to the current asset allocation investment portfolio model information received from the user terminal. The engine service provider 100 generates a changed investment portfolio model based on the changed setting information, processes a demonstration based on the changed investment portfolio model, and provides the user terminal 200 with the real-time demonstration result comparison information with the current asset allocation investment portfolio model.

[0147] Furthermore, the asset allocation engine service linkage unit 590 receives a real-time investment portfolio model change request from the user terminal 200 and transmits it to the engine service providing device 100. The engine service providing device 100 executes a re-application process of the changed investment portfolio model corresponding to the current account and asset of the user's trading registration information based on the real-time investment portfolio model change request.

[0148] The application and network interface management unit 580 generates an application or network API interface for executing the operating functions of the asset management service providing device 500 and the asset allocation engine service providing device 100 of the embodiment of the present invention, and provides it to the user terminal 200, and stores, updates and manages related programs.

[0149] Furthermore, as described above, the control unit 510 controls the overall operation of each component and includes one or more microprocessors therefor.

[0150] Moreover, database 595 processes the storage and management of user analysis information, matching investment product information, product recommendation information, transaction management information, port project basic shared market information, portfolio generation information, theme management information, alliance application information, notification management information, asset allocation engine service linkage information, application information, network interface information, etc., and includes one or more storage media therefor.

[0151] Figure 5 and Figure 6 is a flow chart for illustrating the operation method of the asset allocation engine service device according to an embodiment of the present invention. Figures 7 to 16 The figure is a diagram illustrating a service interface outputted through a user terminal device for providing an embodiment of the asset allocation engine service according to the present invention.

[0152] Refer to the following Figures 5 to 16 The asset allocation engine service providing method according to the embodiment of the present invention is described in more detail.

[0153] First, refer to Figure 5 The user information analysis unit 140 of the asset allocation engine service providing device 100 provides an investment tendency analysis interface to the user terminal 200 (S101).

[0154] Investment tendency analysis interface, for example, Figure 7 As shown in the display, a user interface is included for inputting at least one of the user's age information, financial information, information on financial assets compared to total assets, investment asset information, investment purpose information, investment term information, annual income information, future income information, investment experience information, investment knowledge level information, and loss corresponding information, and the information is input in advance through the user terminal 200.

[0155] Furthermore, the investment tendency analysis interface described above can provide, for example, a conversion score corresponding to the query response information input by the user, and the user information analysis unit 140 analyzes the user's investment tendency information based on the conversion score.

[0156] For example, the user information analysis unit 140 of the embodiment of the present invention determines the investor's tendency as any one of the aggressive investment type, the stimulating investment type, the neutral risk investment type, the stability-seeking type, or the stable type according to the conversion score.

[0157] Furthermore, the asset allocation engine service providing device 100 generates daily sales activities of stable assets and risky assets corresponding to the analyzed investment tendency, and provides them to the user terminal 200 (S103), and the project setting information management unit 130 processes the risky assets and product asset project group settings within the risky assets based on the daily sales activities (S105), and then processes and sets the stable asset project group based on the daily sales activities (S107).

[0158] Figures 8 to 11 In order to respectively display the project setting interface for obtaining the project setting information of the risky asset group and the stable asset group as described above, the service providing device 100 of an embodiment of the present invention provides project setting daily sales activities corresponding to the user investment tendency analyzed through the user terminal 200, and provides setting information processing corresponding to the user setting.

[0159] For this purpose, the project setting information management unit 130 first determines the ratio of stable assets to risky assets as the ratio information of any one of the offensive investment type, the stimulus investment type, the neutral risk investment type, the stability-seeking type or the stable type according to the user setting. For example, the ratio of stable assets to risky assets is 3:7 for the stable type, 4:6 for the stability-seeking type, 5:5 for the neutral risk investment type, 6:4 for the stimulus investment type, and 7:3 for the offensive investment type.

[0160] Furthermore, the project setting information management unit 130 inputs the Figure 8 For example, the user terminal 200 provides an interface that allows selection of a group of daily sales activity forms provided by a securities company, and reflects the group of items selected by the user input on the risk asset group ratio.

[0161] Furthermore, the project setting information management unit 130 obtains the Fig. 9 The displayed product asset group setting information in the risk asset group. For example, the user terminal 200 provides an interface that allows selection of a group of daily sales activity forms provided by a securities company, and the item group selected by the user input is reflected in the product asset group ratio in the risk asset.

[0162] Furthermore, the project setting information management unit 130 obtains the Fig.10 For example, the user terminal 200 provides an interface that allows selection of a group of daily sales activity forms provided by a securities company, and the group of items selected by the user input is reflected in the stable asset group ratio.

[0163] Thus, the project setting information management unit 130 provides Fig.11 The setting confirmation interface shown is displayed, and the selected item setting information is provided to the asset allocation engine management unit 120 and the presentation processing unit 150 according to the user's selection.

[0164] Afterwards, the asset allocation engine management unit 120 applies the setting result information to the asset allocation engine model to generate an initial investment portfolio including an optimal investment ratio ( S109 ).

[0165] The generated initial investment portfolio is provided through the global investment portfolio interface of the user terminal 200. The asset allocation engine service providing device 100 provides the optimal investment ratio, customized asset increase function and past performance demonstration information corresponding to the initial investment portfolio through the global investment portfolio interface (S111).

[0166] For example, Fig.12 As shown, the user terminal 200 of the embodiment of the present invention provides the initial investment portfolio information received from the asset allocation engine service providing device 100 through the investment portfolio interface.

[0167] In particular, the investment portfolio interface provided in the user terminal 200 includes: asset allocation ratio determination method selection information, asset and project ratio information and past achievement demonstration information, and includes the best investment ratio interface 211 corresponding to the investment portfolio and the customer customized asset increase interface 213.

[0168] The optimal investment ratio interface 211 displays the allocation information corresponding to the initial investment portfolio or the user customized asset allocation mode investment portfolio corresponding to the customer matching. According to the user input of the user's customer customized asset addition interface 213, the user matching project setting information corresponding to the initial investment portfolio is transmitted to the asset allocation engine service providing device 100.

[0169] And, for example, Fig.13 As shown in the display, an item search interface for determining user matching item setting information is provided through the user terminal 200, and the user determines the user matching item setting information and inputs it.

[0170] For example, the project search interface is provided in the form of a pop-up window, through which the user additionally inputs a desired project reflected in the asset allocation model or project information retained by the user in the user account of the financial server 300 .

[0171] Thus, the asset allocation engine management unit 120 reflects the project information of the user matching information and updates and generates the user-customized asset allocation model investment portfolio with the recalculated ratio, and provides the updated model investment portfolio through the optimal investment ratio interface 211 .

[0172] That is, the asset allocation engine service providing apparatus 100 provides generation of a user-customized asset allocation pattern by the asset allocation engine management unit 120 and real-time demonstration processing by the demonstration processing unit 150 ( S113 ), and provides result information to the user terminal 200 .

[0173] For example, Fig.12 As shown in the display, the asset allocation engine service providing device 100 provides the demonstration information of the demonstration processing unit 150 corresponding to the demonstration of the past achievements corresponding to the initial investment portfolio model or the demonstration of the currently determined model investment portfolio through the demonstration interface 212 of the user terminal 200. The demonstration information includes, for example, the average annual expected rate of return, annual volatility, maximum drawdown or Sharpe ratio information. In addition, the demonstration information outputs the difference information compared with the previous model, and the user compares and judges between the current model corresponding to the customized asset increase input and the previous model to determine whether to change or not.

[0174] Furthermore, the demonstration processing unit 150 of the embodiment of the present invention obtains conditional unit setting information based on the current assets, processes demonstrations individually, and outputs the results. For example, the demonstration processing unit 150 processes individual demonstrations inputted with required assets, minimum values, or proportions for each project.

[0175] Furthermore, the presentation processing unit 150 applies the selection information, smart beta ETF composition information, category setting information, etc. corresponding to the standard pattern according to the user matching pattern generated by the asset allocation engine management unit 120, thereby performing parallel presentation processing and outputting specific results.

[0176] Fig.14 The figure is a diagram showing an output of a finalized user customized asset allocation model portfolio interface through the user terminal 200, and processing of buy and sell registrations according to automatic order button inputs of the corresponding interface.

[0177] Thus, the asset allocation engine service providing device 100 provides an automatic trading service based on the customized asset allocation pattern of the trading registration through the automatic trading processing unit 170 (S115), and provides current asset allocation portfolio supervision corresponding to the automatic trading service (S117).

[0178] Fig.15 In order to display the user's current asset allocation investment portfolio supervision interface, when the final user-customized asset allocation mode is determined, the automatic buying and selling processing unit 170 executes automated buying and selling processing by project in a manner that conforms to the user-customized asset allocation mode set in advance, and the corresponding program information is output through the current asset allocation investment portfolio supervision interface.

[0179] In addition, the asset allocation engine service providing device 100 of the embodiment of the present invention provides the same real-time mode portfolio change and real-time demonstration program in supervision. For this, refer again to Figure 6 And explain.

[0180] Reference Figure 6 The asset allocation engine service providing device 100 first outputs the current asset allocation mode through the investment portfolio interface of the user terminal 200 (S201).

[0181] The current asset allocation model information is as above Fig.15 The monitoring form of the display is output. However, the user receives the user's input of setting change information through the monitoring interface. For example, the user adds customized assets or adds setting change information other than the specific items.

[0182] Then, the asset allocation engine service providing apparatus 100 generates a changed investment portfolio based on the input user change setting information (S203).

[0183] The asset allocation engine management unit 120 updates the current investment portfolio model based on the user change setting information, thereby generating a changed investment portfolio model. The generated changed investment portfolio model information is transmitted through Fig.12 The portfolio interface shown is displayed and provided again.

[0184] Furthermore, when a changed investment portfolio is generated, the presentation processing unit 150 provides a real-time presentation result comparison with the previous investment portfolio pattern based on the changed investment portfolio ( S205 ).

[0185] Thus, the user can easily confirm whether to change or not by checking the comparison with the real-time demonstration result of the previous investment portfolio model.

[0186] Furthermore, in response to a user change request input to the user terminal 200, the asset allocation engine service providing device 100 executes a re-application process of the changed investment portfolio corresponding to the current account and assets (S207), and the automatic trading processing unit 170 executes an automatic trading process corresponding to the re-applied investment portfolio (S209).

[0187] Here, the asset allocation engine service providing device 100 processes the current account and asset portfolio re-application without adding additional account information, thereby solving the inconvenience and time consumption caused by opening a new account and connecting a new model.

[0188] That is, in the existing asset allocation service, in order to open a model change or re-application, it is required to open a new account or add account information, etc., which causes inconvenience. The asset allocation engine service providing device 100 of the embodiment of the present invention can perform real-time portfolio change generation, model demonstration and re-application processing, and support the user's personal corresponding matching model generation and change, thereby greatly solving the existing inconvenience.

[0189] in addition, Fig.16 The investment portfolio mode sharing interface of the asset allocation engine service providing device 100 according to an embodiment of the present invention is shown.

[0190] like Fig.16 As shown in the display, the asset allocation engine service providing device 100 manages the customized asset investment portfolio generated by matching the user settings through the website management unit, and shares the customized asset allocation investment portfolio for each user through the website. In addition, the Sharpe ratio information corresponding to the customized asset allocation investment portfolio is provided together, thereby enabling the user to judge the value of the investment portfolio.

[0191] The shared customized asset allocation investment portfolio classified by user is provided to the second user terminal. To this end, the asset allocation engine service providing device 100 matches and manages the user information and the customized asset allocation investment portfolio through the database management unit 180 .

[0192] For example, the asset allocation engine service providing apparatus 100 shares one or more recommended user customized asset allocation pattern information stored in the database management unit 180 with the second user terminal according to the user analysis information of the second user terminal.

[0193] And, if Fig.16 As shown, for example, each user's asset allocation portfolio is constructed as a product and can be traded in an online market, etc., which can be used not only by investors but also by professionals such as salesmen or consultants to design more effective customized asset allocation portfolios and guide market activity.

[0194] Furthermore, the customized asset allocation investment portfolio pattern classified by each user is shared or traded in the market through the asset management service providing device 500 of the embodiment of the present invention. To this end, the asset allocation engine service providing device 100 matches and manages each user information and the customized asset allocation investment portfolio through the database management unit 180, and constructs the generated pattern information into investment portfolio item information, which is transmitted to the shared market module 530 of the asset management service providing device 500.

[0195] Fig.17 is a flowchart for illustrating a method for providing asset management services according to an embodiment of the present invention. Figures 18 to 24 The figure is used to illustrate the asset management service interface output from the user terminal device according to the asset management service provided in the embodiment of the present invention.

[0196] Reference Fig.17 Flowchart and Figures 18 to 24 interface, first, the asset management service providing device 500 of the embodiment of the present invention provides the application settings of the user terminal 200 through the application and network interface management unit 580, and performs user information registration processing (S301) through the customized investment product management module 520.

[0197] like Fig.18 As shown in the display, driven by the application program of the embodiment of the present invention, the user terminal 200 outputs a user information registration interface including a new account information and a new challenge information input menu.

[0198] In addition, the asset management service providing device 500 provides a user challenge input interface (S303) by providing an application to the user terminal 200, and the customized investment product management module 520 obtains challenge analysis information corresponding to the challenge information input from the user terminal 200, and obtains matching port project information corresponding to the obtained challenge analysis information from the shared market module 530 based on the port project and provides it to the user terminal 200 (S305).

[0199] More specifically, if Fig.19 As shown in (A), the challenge information includes the challenge target information. The target information set in advance by the user through the interface of the user terminal 200 includes buying a house, buying a car, preparing for retirement, and choosing from the options of paying for children's college tuition. In addition, the target information can also be directly input. Fig.19 (B) As shown in the display, the challenge information includes specific information, and the specific information also includes target amount information and target achievement period information.

[0200] Therefore, the challenge information includes question response information used for analyzing the user's investment tendency and goals. When obtaining the challenge analysis information based on the question response information analysis, the customized investment product management module 520 retrieves the matching port project (investment portfolio project) from the shared market module 530 based on the port project and provides it to the user terminal 200.

[0201] More specifically, if Fig. 20 and Fig.21 As shown in the display, the challenge information of the user information registration is output from the user terminal 200, and the asset management service providing device 500 provides the recommended port item product information corresponding to the challenge analysis information to the user terminal 200.

[0202] Fig. 20 The challenge analysis information corresponding to the challenge information is provided to the user terminal 200. Fig. 20 , as the challenge analysis information corresponding to the 5-year full tax fund allocation project registered according to the challenge information, including the required investment amount information and deposit benchmark investment period information required to achieve the goal, and the comparison information with the port project recommendation information is output to the interface of the user terminal 200. For example, Fig. 20 As shown, the yield of the port project "High-quality Annuity Preparation Plan" is 38.5%, the savings amount is compared with the deposit applicable to the port project, and the savings period information is output together.

[0203] Fig.21 In the output, as a recommended investment portfolio product corresponding to the 5-year fully taxed fund allocation project registered according to the challenge information, the recommended investment portfolio product information of the so-called "guaranteed and stable income" is displayed at the bottom. Fig.21 As shown in the display, the recommended investment portfolio item product information includes: at least one of product description information, rate of return information, and minimum investment amount information.

[0204] Furthermore, the asset management service providing apparatus 500 registers the selected portal item applied to the user terminal 200 as a user portal item through the customized investment product management module 520 ( S307 ), and executes the asset management service based on the registered portal item and the challenge analysis information ( S309 ).

[0205] The asset management service providing device 500 provides asset allocation engine services corresponding to the portal project through the customized investment product management module 520 and the asset allocation engine service linkage unit 590 according to the execution of the asset management service, and provides the rate of return notification and supervision service (S311).

[0206] More specifically, Fig. 22The interface screen of the user terminal 200 is displayed when the user selects the "Quality Annuity Preparation Plan" port item. Fig.23 As shown in the display, the asset management service providing device 500 provides an asset allocation engine service based on the investment portfolio items for executing the asset management service, and outputs the application start date information, expected end date information, current rate of return information, and current step ratio information corresponding to the investment portfolio items selected according to the challenge application on the user terminal 200.

[0207] in addition, Fig.23 and Fig.24 More specifically, the recommended port project product information retrieved by the product recommendation module of the customized investment product management module 520 is displayed. The asset management service providing device 500 retrieves the investment portfolio project information with investment tendency and a certain proportion or more consistent in the shared market based on the user analysis information corresponding to the user's challenge analysis, and provides the retrieved port project product information to the user terminal 200. Fig.23 As shown in the display, the investment tendency information is classified according to the benchmark information of profitability, stability, and popularity index, and the consistent information corresponding to the classified benchmark information is output through the interface of the user terminal 200.

[0208] And, refer to Fig.24 (A) and Fig.24 (B) In the investment portfolio project of the embodiment of the present invention, the maximum asset utilization scale is added as the setting information. Thus, the customized investment product management module 520 of the asset management service providing device 500 corresponds to the port project with the maximum asset scale close to a certain amount among the port projects recommended to the user, and Fig.24 (A) shows the notification information of the impending completion of the project. In addition, for the completed project, the customized investment product management module 520 may Fig.24 (B) shows that the information that the previous matching port item is sold out is provided to the user terminal 200. The matching port item recommendation is provided at a certain period, such as Fig.24 As shown in the display (B), the remaining time information until the next recommendation is output on the interface of the user terminal 200.

[0209] Fig.25 is a flow chart for explaining the operation of a shared market service of an asset management service providing device according to an embodiment of the present invention. Figure 26 to Figure 32 The figure is used to illustrate the asset management service interface provided to the user terminal device through the sharing market service of the embodiment of the present invention.

[0210] First, the user terminal 200 executes the portal project-based shared market service according to the setting and driving application (S401).

[0211] Furthermore, according to the shared market service request of the user terminal 200, the asset management service providing device 500 obtains the port project list of other users shared through the market through the shared market module 530 based on the port project (S403), and provides the port project information interface based on the port project list to the user terminal 200 (S405).

[0212] Reference Fig.26 The port project list is processed and output in various forms through the user terminal 200, for example, port project rankings based on yield, port projects approaching completion, new port projects, subject classifications, etc.

[0213] And, if Fig. 27 As shown in the display, when the user selects a specific port item, the basic information of the port item is output through the port item information interface. Fig. 27 The port project information interface includes: port project name, rate of return information classified by period, and evaluation information. The user terminal 200 has a specific information display or a redisplay menu and an investment menu, thereby guiding the user to input the selection of the port project in a timely manner.

[0214] In addition, if Fig.28 As shown in the display, the port item list is provided by category according to the pre-set subject classification information, and the port item list is output by each subject through the user terminal 200. Fig.28 As shown in the display, the port items are used in combination according to the subject set in advance, and the overall rate of return corresponding to the combination is calculated. Therefore, the subject port item is a combination port item generated in the port item subject management unit 550 according to the matching of the subject keyword information determined in advance. The port items are generated according to each subject, and the total rate of return is also calculated and managed separately.

[0215] exist Fig.28 (A) shows the total yield ranking of the port projects of a certain number of thematic product combinations mentioned above. Fig.28 In (B), the topic product combination type port items selected by the user are output in a list.

[0216] like Fig.29 As shown in the display, when the user selects a specific topic, specific information is output. Fig.29 (A) Displaying and providing the operation and disposal information, rate of return information, minimum investment amount information, theme description information, related report information, and product trend information corresponding to the theme port project to the user terminal 200, Fig.29(B) shows that the investment asset ratio information and investment project list information are provided to the user terminal 200. Thus, the user terminal 200 receives user inputs such as investment in theme combination type portal items, attention or registration of portal items of interest, and requests the asset management service providing device 500 to process accordingly.

[0217] In addition, the asset management service providing apparatus 500 provides asset allocation engine services corresponding to one or more port items according to the user's applicable selection input (S407).

[0218] Here, the asset management service providing apparatus 500 provides a notification service corresponding to the focused port item when the focused port item is set by the notification management unit 570 (S409), and can also provide a portfolio balance notification service corresponding to the currently applicable port item set by the user (S411).

[0219] More specifically, if Fig.30 As shown in the display, in the case where the user sets the focused port item, the user terminal 200 can provide the focused port item interface with focused port item settings and notification settings functions.

[0220] The asset management service providing device 500 generates notification information of the port project supervision and provides it to the user terminal 200 through the notification management unit 570. The notification setting information used for this includes the portfolio balance notification corresponding to the applicable port project or the attention notification setting corresponding to the attention port project.

[0221] In particular, Fig.31 The notification setting information includes: for the rate of return corresponding to the investment portfolio project of interest, when the rate of return increases according to a pre-set rate of return, an increase notification setting of the notification information is transmitted. And the notification setting information includes: for the rate of return decreasing according to a pre-set rate of return, at least one of the decrease notification settings of the notification information is transmitted.

[0222] Fig.31 The example shows the setting of each increase notification setting and decrease notification setting. By setting a specific increase notification rate of return and decrease notification rate of return, the user can confirm the progress of the port project through notification information even if he does not monitor it every time.

[0223] in addition, Fig.32 Displays the current asset analysis interface provided by the asset allocation engine service. Fig.32According to the application of the port project, the asset management service provider 500 requests the asset allocation engine service provider 100 to provide the asset allocation engine service, and this user interface is provided to the user terminal 200. The asset allocation service provided thereby is monitored through the current asset analysis interface of the user terminal 200, and the above-described operations are executed according to subsequent user input or request. Fig.12 or Fig.14 The automatic buying and selling program of the demonstration and supervision in the form shown, and the result information is provided to the user terminal 200.

[0224] Fig.33 This is a flowchart showing a process for generating investment portfolio items in an asset management service providing device according to an embodiment of the present invention. Figures 34 to 40 The figure is a diagram for explaining an asset management service interface output from a user terminal device through a portfolio item generating procedure according to an embodiment of the present invention.

[0225] Reference Fig.33 When the user terminal 200 executes the combined service module based on the port item (S501), the asset management service providing device 500 obtains the pre-set combined object port item list through the port item combination generating unit 540 and provides it to the user terminal 200 (S503).

[0226] Furthermore, a port item combination interface based on the user selection is provided through the user terminal 200 (S505).

[0227] Fig.34 The port item generation interface is displayed. The port item is generated by the asset allocation engine service providing device 100 according to the user analysis and matching setting information, or is generated as a combination type. In this embodiment, the combination type port item generation program that is easily generated according to the user's selection is mainly described. Fig.34 As shown in the display, it is possible to request an alliance registration request corresponding to the generated project, and correspondingly Fig.41 Provide explanation.

[0228] The user selects one or more port items to be combined from the port items that have been shared through the market through the port item combination interface.

[0229] Reference Fig.35 , the user confirms the rate of return of more than one port project and sets the combination information. For example, the port project exemplifies the basic type, bond type, dividend type, and theme type port project, and the user selects a specific number of port projects to form a new port project. In addition, the user terminal 200 can also select the combined port project generated by other users as the combination object, and can generate other combined port projects composed of the combined port projects.

[0230] And, refer to Fig.36 , the port projects to be combined can be specifically set, and the specific settings include, for example, minimum investment amount information, maximum application scale information, investment type information, including port project proportion setting information.

[0231] Here, the user terminal 200 determines whether the combination weight automatic optimization selection of the port items selected in combination is selected or not (S507).

[0232] Reference Fig.36 In the case of inputting the automatic weight setting menu of the port items, when automatic optimization is selected, the user terminal 200 transmits the best request to the asset management service providing device 500, and the asset management service providing device 500 executes the optimal weight program of the port item combination by means of the engine service demonstration driver of the service linkage unit 590 (S509).

[0233] In addition, for Fig.36 In the case where the manual weight setting menu of the input port item is selected, as a case where automatic optimization is not selected, the user terminal 200 determines the individual combination weight input by the user (S510).

[0234] Fig.37 The figure shows a manual weight setting interface for determining the weight of individual combinations. The user terminal 200 outputs a manual weight setting interface for inputting the weight of combinations according to each port item. Fig.37 As shown in the display, the port items to be combined are obtained like a dish, and the proportion of each ingredient (port item) is displayed and entered as the number of spoons. Therefore, it is very easy to create and share products without additional difficult investment instructions or concepts.

[0235] In addition, if Fig.38 As shown, the asset management service providing device 500 provides engine service demonstration driving results generated by the service linkage unit 590 in response to requests from the user terminal 200 corresponding to individual portfolio weight inputs, thereby providing assistance to the user in anticipating the investment portfolio yield.

[0236] In addition, for the case of determining the combination ratio, the user terminal 200 outputs the completed port project information, and after inputting the specific information (application period, amount, name, description, etc.) (S511), the asset management service providing device 500 matches the completed port project of the completed operation with the user information and uploads it to the sharing market (S513).

[0237] Fig.39 The port project completion screen is displayed, such as Fig.39As shown in the display, the combination object port project information, investment amount information, current calculated cumulative rate of return information, etc. constituting the port project are output through the user terminal 200.

[0238] and, Fig.40 To display the specific information of the port project shared in the market through the shared market module 530, other users confirm the characteristics and generator information of the current combined port project through the port project combination description in the specific information, and determine the purpose, rate of return and investment function amount information.

[0239] After that, the asset management service providing device 500 provides compensation services for other users who have completed the port project through the port project-based sharing market module 530 (S515). Here, the compensation services include profit sharing, usage fee payment, etc.

[0240] Fig.41 FIG. 1 is a flow chart of a portfolio project-based alliance process for illustrating an embodiment of the present invention.

[0241] Reference Fig.41 The asset management service providing apparatus 500 receives an alliance registration request corresponding to a port item through the alliance operation unit 560 (S401).

[0242] Here, preferably, the port items that can be registered in a federation are limited by new port items generated by each user.

[0243] Furthermore, the alliance operation unit 560 provides a port item ranking service based on the rate of return and profit amount information during the alliance period (S403), and provides a ranking compensation service (S405) to alliance participants whose records are within a certain order.

[0244] According to the alliance service application as described above, the asset management service providing apparatus 500 increases the user participation rate, and thus various investment portfolio items of the embodiment of the present invention are shared and served through the market.

[0245] The method of the present invention is produced by a program executed in a computer and can be stored in a computer-readable recording medium. The computer-readable recording medium includes: ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical storage device, etc.

[0246] The computer-readable recording medium is distributed to a computer system connected to the network, and the computer-readable code is stored and executed in a distributed manner. In addition, the functional program, code and code segment for implementing the method can be easily inferred by a programmer in the technical field to which the present invention belongs.

[0247] Furthermore, although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited by the specific embodiments. Without departing from the gist of the present invention within the scope of the claims, a person skilled in the art in the technical field of the present invention may perform various modified implementations, which may be understood from the technical ideas or prospects of the present invention.

Claims

1. A method for providing asset management services, which relates to a method for providing asset management services by a service providing device, characterized in that: The steps include: acquiring user analysis information based on user input information input through a user terminal; Providing a portfolio item interface including one or more investment asset-related portfolio items selected in accordance with the user analysis information from a portfolio item market constructed based on an online network; and providing asset allocation engine services corresponding to applicable selected portfolio items based on user input corresponding to the portfolio item interface, The steps of providing the asset allocation engine service include the following steps: Acquire asset setting information and user matching information corresponding to the applicable selected investment portfolio items and transmit them to an asset allocation engine service providing device; Requesting the asset allocation engine service provider to provide current asset allocation investment portfolio model information through the investment portfolio interface of the user terminal; and When receiving change setting information corresponding to the current asset allocation investment portfolio pattern information from the user terminal, providing the change setting information to the asset allocation engine service providing device, and providing the asset allocation engine service in a manner that applies processing to the change investment portfolio pattern based on the change setting information, The step of providing the asset allocation engine service also includes the following steps: Based on the challenge information received from the user terminal, acquiring challenge analysis information including investment amount information and investment period information required to achieve the challenge; Acquire matching port project information corresponding to the challenge information based on the challenge analysis information, wherein the matching port project information includes at least one of product description information, rate of return information, and minimum investment amount for the port project corresponding to the challenge information; providing the matching port item information and comparison information of items comparable with the port item to the user terminal; executing asset management services based on the matching port items and the challenge analysis information; and An asset allocation engine service corresponding to the matching port item is provided according to executing the asset management service.

2. The asset management service providing method according to claim 1, characterized in that: The portfolio projects include: An investment product dataset of a matching investment portfolio model of the investment portfolio items is generated according to user analysis information of the investment portfolio item generator shared in the market.

3. The asset management service providing method according to claim 1, characterized in that: The asset allocation engine services include: Automatic buying and selling services based on product assets of the portfolio items, In case of a profit of the product assets invested according to the automatic buying and selling, a compensation service is provided to the portfolio item generator according to the portfolio item setting information.

4. The method for providing asset management services according to claim 1, characterized in that: The following steps are also included: Using the investment portfolio items registered in the market, a portfolio item combination interface for combining and generating personalized investment portfolio items is provided to the user terminal, The portfolio project combination interface includes: A portfolio item combination control interface selects based on user input from among a plurality of portfolio items registered in the marketplace.

5. The method for providing asset management services according to claim 1, characterized in that: The portfolio projects include: Through the user-customized asset allocation model information generated by the portfolio project builder, The asset allocation engine service includes: automatic buying and selling and monitoring services using user-customized asset allocation model information corresponding to the investment portfolio items, The automatic buying and selling and monitoring service includes: a program that provides current asset allocation investment portfolio pattern information through an investment portfolio interface of the user terminal, receives change setting information corresponding to the current asset allocation investment portfolio pattern information from the user terminal, and generates a change investment portfolio pattern based on the change setting information, processes a demonstration based on the change investment portfolio pattern, and provides the user terminal with real-time demonstration result comparison information with the current asset allocation investment portfolio pattern, and, in the case of receiving a real-time investment portfolio pattern change request from the user terminal, executes re-application processing of the change investment portfolio pattern corresponding to the current account and asset of the user's buying and selling registration information based on the real-time investment portfolio pattern change request.

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