Method and system for asset diagnosis and guidance on appropriate investment prescriptions for managing customer financial assets

Abstract

A method for asset diagnosis and guidance on appropriate investment prescriptions for managing customer financial assets according to an embodiment of the present invention is a method for providing an asset management service in which an asset management application executed by at least one processor of a customer terminal provides asset diagnosis and guidance on appropriate investment prescriptions for managing customer financial assets, the method comprising the steps of: acquiring customer financial assets including at least one piece of asset information; generating a first portfolio by diagnosing a current investment situation on the basis of the acquired customer financial assets; providing asset management recommendation information on the basis of the generated first portfolio; inputting preferred assets on the basis of the provided asset management recommendation information; generating a second portfolio reflecting virtual investment on the basis of the input preferred assets; and determining a final plan according to a result of comparing the first portfolio and the second portfolio.

Description

Method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for managing customer financial assets.

[0001] The present invention relates to a method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for managing a customer's financial assets. More specifically, the present invention relates to a method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for managing a customer's financial assets. This method analyzes and diagnoses the customer's financial asset status and provides asset management recommendations optimized for the customer's current financial assets.

[0002] Financial Management refers to an integrated management function that plans, executes, and controls all business activities from a comprehensive perspective using money as a medium.

[0003] Today, financial management is no longer limited to businesses; it has expanded to include ordinary individuals, who are interested in how to efficiently manage and increase their financial resources, or what investment method is best suited for them.

[0004] Additionally, real investors do not invest in just one asset, but rather own a portfolio by investing in multiple assets.

[0005] In a broad sense, a portfolio refers to a combination of assets. In a narrower sense, it refers to a combination of financial assets, such as stocks and corporate bonds traded on the stock market. Investors, just as when investing in individual assets, seek to achieve the optimal risk-return relationship when constructing a portfolio. Therefore, measuring a portfolio's risk and calculating its expected return are paramount in portfolio selection.

[0006] However, in general, in order to manage one's finances, an individual must be well-versed in accounting standards, taxation, and various regulatory provisions, as well as be well-versed in asset management and possess strategic thinking.

[0007] In addition, there was the difficulty of having to secure information on various market indices, such as prices, interest rates, stock prices, real estate price indices, exchange rates, crude oil prices, economic growth rates, trade balances, consumer sentiment indices, and unemployment rates, as well as information on the comprehensive financial taxation system.

[0008] Therefore, many individuals had to directly consult with experts to manage their assets, design investments, and invest directly, even if it meant paying huge costs or incurring risks.

[0009] Traditionally, programs existed to manage financial management (e.g., deposits, insurance, securities, and real estate) separately. However, these programs were used for individualized management (e.g., supplementary planning, retirement planning, educational and marriage planning, investment planning, real estate planning, and tax and inheritance planning) rather than integrated financial management. For example, insurance companies' financial planning programs were designed solely to encourage insurance subscriptions, failing to provide comprehensive financial management.

[0010] In addition, conventional customer asset or portfolio recommendation systems, which recommend portfolios suited to customer investment tendencies based on predefined portfolios, have the disadvantage of very limited diversity in recommendations. Therefore, a scientific financial system is still lacking, and therefore, there is an urgent need for the invention of such a system.

[0011] The present invention has been devised to solve the problems of the prior art as described above, and its purpose is to provide a method and system for diagnosing assets and providing appropriate investment prescription guidance for managing customer financial assets, which analyzes and diagnoses the current financial asset status of a customer and provides asset management recommendation information including asset group recommendations and asset allocation improvement prescriptions optimized for the customer's current financial assets.

[0012] In addition, the present invention seeks to provide a method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management, which generates a virtual portfolio by inputting preferred assets according to the customer's needs and tastes.

[0013] In addition, the present invention aims to provide a method and system for asset diagnosis and appropriate investment prescription guidance for customer financial asset management by comparing an actual portfolio based on the customer's actual financial assets with a virtual portfolio generated based on asset management recommendation information.

[0014] A method for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention is a method for providing an asset management service in which an asset management application executed by at least one processor of a customer terminal provides guidance on asset diagnosis and appropriate investment prescriptions for customer financial asset management, the method comprising: acquiring customer financial assets including at least one piece of asset information; generating a first portfolio diagnosing a current investment status based on the acquired customer financial assets; providing asset management recommendation information based on the generated first portfolio; inputting preferred assets based on the provided asset management recommendation information; generating a second portfolio reflecting virtual investment based on the input preferred assets; and determining a final plan based on a result of comparing the first portfolio and the second portfolio.

[0015] Additionally, the step of acquiring the customer financial assets includes at least one of a step of acquiring at least one piece of asset information manually entered and a step of acquiring at least one piece of asset information from a linked system.

[0016] In addition, if the acquired asset information is unregistered asset information and if the past time series data of the acquired asset information is below a preset standard, the method further includes a step of determining the asset information as an unsearched financial asset, a step of automatically or manually determining a similar asset to replace the determined unsearched financial asset based on a similar asset application module, and a step of adding the determined similar asset as the customer financial asset.

[0017] In addition, the step of generating the first portfolio includes a step of generating backtest data for the asset information by performing a backtest, a step of generating performance indicator calculation data by calculating performance indicators of the at least one asset information, and a step of generating a first portfolio that displays visual content based on the generated backtest data and performance indicator calculation data.

[0018] In addition, the step of providing the asset management recommendation information includes a step of extracting at least one new asset information that improves at least one attribute among profitability, risk-adjusted performance, and stability based on the first portfolio, a step of excluding the new asset information if the similarity between the extracted new asset information and the asset information included in the first portfolio is higher than a preset standard, a step of generating filtered asset information by refining the new asset information based on outlook-related data, and a step of determining recommended asset information for each of the at least one attribute based on the generated filtered asset information.

[0019] In addition, the step of providing the above asset management recommendation information includes a step of determining recommended distribution information that determines a recommended investment ratio for achieving maximum investment utility for the above recommended asset information, and a step of providing asset management recommendation information including the above recommended asset information and the above recommended distribution information.

[0020] In addition, the step of inputting the preferred asset includes at least one step of determining a recommended combination identical to the recommended asset information and recommended distribution information included in the asset management recommendation information, a step of determining at least one preferred asset among the recommended asset information included in the asset management recommendation information, and a step of determining a random combination by randomly combining investment ratios for each of the determined preferred assets.

[0021] In addition, the step of generating the second portfolio includes a step of acquiring backtest data and performance indicator calculation data performed by reflecting the preferred asset in the first portfolio, and a step of generating a second portfolio displaying visual content based on the generated backtest data and performance indicator calculation data, and the step of generating the second portfolio includes a step of displaying an improvement part visualizing the degree of improvement in at least one attribute of profitability, risk-adjusted performance, and stability of the second portfolio compared to the first portfolio, and a step of displaying an asset allocation composition part visualizing asset information reflected in the second portfolio by dividing it into at least one category of stocks, bonds, mixed, alternative investments, cash equivalents, and / or cash.

[0022] In addition, the step of determining the final plan further includes a step of deriving the actual investment performance of the final plan over time after the final plan is determined, and a step of rebalancing and providing at least one piece of asset information included in the final plan based on the derived investment performance.

[0023] Meanwhile, a system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention comprises at least one memory; at least one processor; and at least one application stored in the memory and executed by the processor to provide an asset management service for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management, wherein the at least one application acquires customer financial assets including at least one asset information, creates a first portfolio diagnosing a current investment status based on the acquired customer financial assets, provides asset management recommendation information based on the created first portfolio, inputs preferred assets based on the provided asset management recommendation information, creates a second portfolio reflecting virtual investments based on the input preferred assets, and determines a final plan based on a result of comparing the first portfolio and the second portfolio.

[0024] The method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention analyzes and diagnoses the customer's financial asset status and provides asset management recommendation information including asset group recommendations and asset allocation improvement prescriptions optimized for the customer's current financial assets, thereby professionally identifying the appropriateness, weaknesses, and strengths of the customer's current investment status and changing the investment items and their ratios, thereby having the effect of generating actual economic profits from the investment.

[0025] In addition, the method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention has the effect of increasing reliability and service satisfaction by generating a virtual portfolio by inputting preferred assets according to the customer's needs and tastes, thereby leading to investments appropriate to the customer's investment tendencies.

[0026] In addition, the method and system for asset diagnosis and appropriate investment prescription guidance for customer financial asset management according to an embodiment of the present invention has the effect of visually displaying which parts are improved and how much compared to the existing investment status by comparing an actual portfolio based on the customer's actual financial assets with a virtual portfolio created based on asset management recommendation information, thereby increasing the user's understanding and satisfaction, thereby improving the probability of leading to actual investment.

[0027] Figure 1 is a conceptual diagram of an asset management service provision system according to an embodiment of the present invention.

[0028] Figure 2 is an internal block diagram of a customer terminal according to an embodiment of the present invention.

[0029] Figure 3 is a flowchart illustrating a method for providing an asset management service according to an embodiment of the present invention.

[0030] Figures 4 to 7 are examples of drawings for explaining a first portfolio according to an embodiment of the present invention.

[0031] FIG. 8 is an example of a drawing for explaining an asset prescription interface according to an embodiment of the present invention.

[0032] FIG. 9 and FIG. 10 are examples of drawings for explaining a second portfolio according to an embodiment of the present invention.

[0033] The present invention is capable of various modifications and embodiments. Therefore, specific embodiments are illustrated in the drawings and described in detail in the detailed description. The effects and features of the present invention, as well as the methods for achieving them, will become clear with reference to the embodiments described in detail below together with the drawings. However, the present invention is not limited to the embodiments disclosed below and can be implemented in various forms. In the following embodiments, the terms "first," "second," etc. are not used in a limiting sense but are used for the purpose of distinguishing one component from another. Furthermore, the singular expression includes the plural expression unless the context clearly indicates otherwise. Furthermore, terms such as "include" or "have" indicate the presence of a feature or component described in the specification, and do not preemptively exclude the possibility that one or more other features or components may be added. Furthermore, in the drawings, the sizes of components may be exaggerated or reduced for convenience of explanation. For example, the size and thickness of each component shown in the drawings are arbitrarily shown for convenience of explanation, and thus the present invention is not necessarily limited to what is shown.

[0034] Hereinafter, embodiments of the present invention will be described in detail with reference to the attached drawings. When describing with reference to the drawings, identical or corresponding components are given the same reference numerals and redundant descriptions thereof will be omitted.

[0035]

[0036] Figure 1 is a conceptual diagram of an asset management service provision system according to an embodiment of the present invention.

[0037] Referring to FIG. 1, an asset management service provision system (hereinafter, “service provision system”) according to an embodiment of the present invention can provide an asset management service (hereinafter, “asset management service”) that guides asset diagnosis and appropriate additional prescription for customer financial asset management.

[0038] In an embodiment, a service providing system implementing the above asset management service can be connected through a customer terminal (100), an asset management server (200), and a network (10: Network).

[0039] Here, the network (10) according to the embodiment means a connection structure that enables information exchange between each node, such as the customer terminal (100) and / or the asset management server (200), and examples of such a network (10) include, but are not limited to, a 3GPP (3rd Generation Partnership Project) network, an LTE (Long Term Evolution) network, a WIMAX (World Interoperability for Microwave Access) network, the Internet, a LAN (Local Area Network), a Wireless LAN (Wireless Local Area Network), a WAN (Wide Area Network), a PAN (Personal Area Network), a Bluetooth network, a satellite broadcasting network, an analog broadcasting network, a DMB (Digital Multimedia Broadcasting) network, etc.

[0040] Hereinafter, the customer terminal (100) and asset management server (200) that implement the service provision system will be described in detail with reference to the attached drawings.

[0041]

[0042] - Customer Terminal (100)

[0043] A customer terminal (100) according to an embodiment of the present invention may be a computing device installed with an asset management application (hereinafter, "application") that provides asset management services. Hereinafter, "user" may refer to a customer using the customer terminal (100).

[0044] In detail, from a hardware perspective, the customer terminal (100) may include a mobile type computing device (100-1) and / or a desktop type computing device (100-2) on which an application is installed.

[0045] Here, the mobile type computing device (100-1) may be a mobile device such as a smart phone or tablet PC on which an application is installed.

[0046] For example, mobile type computing devices (100-1) may include smart phones, mobile phones, digital broadcasting devices, personal digital assistants (PDAs), portable multimedia players (PMPs), tablet PCs, etc.

[0047] In addition, the desktop type computing device (100-2) may include a device installed with a program for executing an asset management service based on wired / wireless communication, such as a personal computer such as a fixed desktop PC, laptop computer, or ultrabook on which an application is installed.

[0048] Additionally, depending on the embodiment, the customer terminal (100) may further include a predetermined server computing device that provides an asset management service environment.

[0049] Figure 2 is an internal block diagram of a customer terminal (100) according to an embodiment of the present invention.

[0050] Referring to FIG. 2, from a functional perspective, the customer terminal (100) may include a memory (110), a processor assembly (120), a communication processor (130), an interface module (140), an input system (150), a sensor system (160), and a display system (170). These components may be configured to be included within the housing of the customer terminal (100).

[0051] In detail, in the memory (110), an application (111) is stored, and the application (111) can store one or more of various application programs, data, and commands for providing an asset management service environment.

[0052] That is, the memory (110) can store commands and data that can be used to create an asset management service environment.

[0053] Additionally, the memory (110) may include a program area and a data area.

[0054] Here, the program area according to the embodiment may be linked between the operating system (OS) that boots the customer terminal (100) and functional elements, and the data area may store data generated according to the use of the customer terminal (100).

[0055] Additionally, the memory (110) may include at least one non-transitory computer-readable storage medium and one or more temporary computer-readable storage medium.

[0056] For example, the memory (110) may be a variety of storage devices such as a ROM, EPROM, flash drive, hard drive, etc., and may include web storage that performs the storage function of the memory (110) on the Internet.

[0057] The processor assembly (120) may include at least one processor capable of executing instructions of an application (111) stored in the memory (110) to perform various tasks for creating an asset management service environment.

[0058] In an embodiment, the processor assembly (120) can control the overall operation of the components through an application (111) of the memory (110) to provide asset management services.

[0059] This processor assembly (120) may be a system on chip (SOC) suitable for a customer terminal (100) including a central processing unit (CPU) and / or a graphics processing unit (GPU), and may execute an operating system (OS) and / or application programs stored in a memory (110) and control each component mounted on the customer terminal (100).

[0060] Additionally, the processor assembly (120) can communicate with each component internally via a system bus and can include one or more predetermined bus structures including a local bus.

[0061] Additionally, the processor assembly (120) may be implemented by including at least one of application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, micro-controllers, microprocessors, and other electrical units for performing functions.

[0062] The communication processor (130) may include one or more devices for communicating with external devices. The communication processor (130) may communicate via a wireless network.

[0063] In detail, the communication processor (130) can communicate with a customer terminal (100) that stores a content source for implementing an asset management service environment, and can communicate with various user input components, such as a controller that receives user input.

[0064] In an embodiment, the communication processor (130) can transmit and receive various data related to the asset management service to and from another customer terminal (100) and / or an external server.

[0065] This communication processor (130) can wirelessly transmit and receive data with at least one of a base station, an external terminal, and an arbitrary server on a mobile communication network constructed through a communication device capable of performing technical standards or communication methods for mobile communication (e.g., LTE (Long Term Evolution), LTE-A (Long Term Evolution-Advanced), 5G NR (New Radio), WIFI) or short-range communication methods.

[0066] The interface module (140) can connect the customer terminal (100) to one or more other devices so that they can communicate with each other. In detail, the interface module (140) can include wired and / or wireless communication devices compatible with one or more different communication protocols.

[0067] Through this interface module (140), the customer terminal (100) can be connected to multiple input / output devices.

[0068] For example, the interface module (140) can be connected to an audio output device such as a headset port or speaker to output audio.

[0069] As an example, the audio output device is described as being connected via an interface module (140), but an embodiment in which it is installed inside a customer terminal (100) may also be included.

[0070] Additionally, for example, the interface module (140) may be connected to an input device such as a keyboard and / or mouse to obtain user input.

[0071] Such an interface module (140) may be configured to include at least one of a wired / wireless headset port, an external charger port, a wired / wireless data port, a memory card port, a port for connecting a device equipped with an identification module, an audio I / O (Input / Output) port, a video I / O (Input / Output) port, an earphone port, a power amplifier, an RF circuit, a transceiver, and other communication circuits.

[0072] The input system (150) can detect user input (e.g., gestures, voice commands, button operation, or other types of input) related to the asset management service.

[0073] In detail, the input system (150) may include a predetermined button, a touch sensor, and / or an image sensor (161) that receives user motion input.

[0074] Additionally, the input system (150) can be connected to an external controller through an interface module (140) to receive user input.

[0075] The sensor system (160) may include various sensors such as an image sensor (161), a position sensor (IMU, 163), an audio sensor (165), a distance sensor, a proximity sensor, and a contact sensor.

[0076] Here, the image sensor (161) can capture images and / or videos of the physical space around the customer terminal (100).

[0077] In an embodiment, the image sensor (161) can capture and acquire various images and / or videos related to asset management services.

[0078] In addition, the image sensor (161) can capture an image by photographing the direction in which it is positioned on the front or / and rear of the customer terminal (100), and can capture a physical space through a camera positioned toward the outside of the customer terminal (100).

[0079] This image sensor (161) may include an image sensor device and an image processing module. In detail, the image sensor (161) may process still images or moving images obtained by an image sensor device (e.g., CMOS or CCD).

[0080] In addition, the image sensor (161) can process still images or moving images acquired through the image sensor device using an image recognition process (e.g., OCR, etc.) and / or an image processing module to extract necessary information and transmit the extracted information to the processor.

[0081] Such an image sensor (161) may be a camera assembly including at least one camera. The camera assembly may include a general camera that captures images in the visible light band, and may further include special cameras such as an infrared camera or a stereo camera.

[0082] In addition, the image sensor (161) as described above may be included in the customer terminal (100) and operated according to an embodiment, or may be included in an external device (e.g., an external server, etc.) and operated through linkage based on the communication processor (130) and / or interface module (140) described above.

[0083] The position sensor (IMU, 163) can detect at least one of the movement and acceleration of the customer terminal (100). For example, it can be formed by a combination of various position sensors such as an accelerometer, a gyroscope, and a magnetometer.

[0084] Additionally, the position sensor (IMU, 163) can recognize spatial information about the physical space around the customer terminal (100) by working in conjunction with a position communication processor (130), such as the GPS of the communication processor (130).

[0085] The audio sensor (165) can recognize sounds around the customer terminal (100).

[0086] In detail, the audio sensor (165) may include a microphone capable of detecting voice input from a user using the customer terminal (100).

[0087] In an embodiment, the audio sensor (165) can receive voice data required for asset management services from the user.

[0088] The display system (170) can output various information related to asset management services as graphic images.

[0089] As an example, the display system (170) can display various user interfaces for asset management services (as an example, an asset prescription interface, etc.).

[0090] Such displays may include at least one of a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), a flexible display, a 3D display, and an e-ink display.

[0091] The above components may be arranged within the housing of the customer terminal (100), and the user interface may include a touch sensor (173) on a display (171) configured to receive user touch input.

[0092] In detail, the display system (170) may include a display (171) that outputs an image and a touch sensor (173) that detects a user's touch input.

[0093] For example, the display (171) may be implemented as a touch screen by forming a mutual layer structure with the touch sensor (173) or forming an integral structure. Such a touch screen may function as a user input unit that provides an input interface between the customer terminal (100) and the user, and at the same time, provide an output interface between the customer terminal (100) and the user.

[0094] The customer terminal (100) including the above-described components may store at least one customer financial asset, first and second portfolios, backtest data, performance indicator calculation data, portfolio evaluation information, asset management recommendation information, preferred assets, recommended combinations and / or arbitrary combinations in the memory (110) according to an embodiment.

[0095] Meanwhile, depending on the embodiment, the customer terminal (100) may further perform at least some of the functional operations performed by the asset management server (200) described below.

[0096]

[0097] - Asset Management Server (200)

[0098] Meanwhile, the asset management server (200) according to an embodiment of the present invention can perform a series of processes for providing asset management services.

[0099] In detail, in an embodiment, the asset management server (200) can provide the asset management service by exchanging data necessary to enable the asset management service process to be run on an external device, such as a customer terminal (100), with the external device.

[0100] In more detail, in an embodiment, the asset management server (200) may provide an environment in which an application (111) can operate on an external device (in an embodiment, a mobile type computing device (100-1) and / or a desktop type computing device (100-2)).

[0101] To this end, the asset management server (200) may include application programs, data and / or commands for the application (111) to operate, and may transmit and receive various data based thereon with the external device.

[0102] Additionally, in the embodiment, the asset management server (200) can perform various deep learning for asset management services in conjunction with a deep learning neural network.

[0103] Here, the deep learning neural network according to the embodiment may include a convolutional neural network (CNN), an R-CNN (Regions with CNN features), a Fast R-CNN, a Faster R-CNN, a Mask R-CNN, etc., and may include any deep learning neural network that includes an algorithm capable of performing the embodiment described below, and the embodiment of the present invention does not limit or restrict such deep learning neural network itself.

[0104] At this time, depending on the embodiment, the deep learning neural network may be installed directly in the asset management server (200) or may operate as a device separate from the asset management server (200) to perform deep learning for the asset management service.

[0105] In the following examples, an example is described in which a deep learning neural network is directly installed on an asset management server (200) to perform deep learning.

[0106] In addition, in the embodiment, the asset management server (200) can read out a predetermined deep learning neural network driving program constructed to perform the above-described deep learning from memory and perform the deep learning described below according to the read-out predetermined deep learning neural network system.

[0107] In detail, referring further to FIG. 1, in the embodiment, the asset management server (200) may include an asset information inquiry module (210), a backtest module (220), a performance indicator calculation module (230), a weight optimization module (240), a portfolio database (250), an asset group database (260), and / or a customer management database (270).

[0108] At this time, depending on the embodiment, each of the above components may be implemented as a separate device from the asset management server (200) or may be implemented by being included in the asset management server (200). Hereinafter, each component is described as being implemented by being included in the asset management server (200), but is not limited thereto.

[0109] Specifically, the asset information inquiry module (210) can inquire about all financial assets held by a customer.

[0110] At this time, the financial asset may include at least one piece of asset information. Furthermore, the asset information may be asset group-asset mapping data, which maps assets by asset group information. For example, asset information may be broadly categorized into stock data, ETF data, mutual fund data, and / or underlying index data, and each asset information may be displayed as asset group name-asset name.

[0111] That is, the financial asset may be information including at least one of the asset group, stock name, size, and / or purchase period for at least one asset information held by the customer.

[0112] In addition, the asset information inquiry module (210) can obtain financial assets held by the customer by linking with other applications (e.g., securities company applications) based on the customer's consent to provide information.

[0113] In addition, the asset information inquiry module (210) can also acquire financial assets held by a customer by directly searching and entering the name of the financial asset on the application (111).

[0114] Additionally, the asset information inquiry module (210) can inquiry and provide asset information mapped to recommended asset information.

[0115] Additionally, the asset information search module (210) may include a similar asset application module that determines a similar asset to replace an unsearched financial asset.

[0116] The backtest module (220) can perform backtesting. Here, backtesting can be a test to measure the performance of an asset allocation strategy based on historical data using various indicators and determine whether the strategy is statistically valid.

[0117] Additionally, the backtest module (220) can collect, obtain, and / or store backtest data.

[0118] Here, backtest data according to the embodiment may be data calculated to determine the maximum drawdown of a given financial information over a given period of time to verify changes in the portfolio's performance and risk over time. The maximum drawdown may refer to the extent of the portfolio's loss when it was at its greatest.

[0119] That is, in the embodiment, the backtest data may be data that calculates the maximum drop for all financial assets held by the customer, obtained based on the asset information inquiry module (210).

[0120] The performance indicator calculation module (230) can diagnose the current investment status based on major asset allocation and / or quantitative methodology for all financial assets held by the customer.

[0121] To this end, the performance indicator calculation module (230) can utilize evaluation indicators used in major asset allocation and / or quantitative methodology.

[0122] Here, quantitative methodology can mean a method of analyzing large amounts of data using mathematical models and algorithms.

[0123] Additionally, evaluation indicators used in quantitative methodology may include at least one of the following: period return, annualized average (converted) return, Sharpe ratio, return continuity, maximum drawdown, downside volatility, longest loss period, and crisis test.

[0124] Additionally, the performance indicator calculation module (230) can diagnose a customer's financial assets based on the calculated performance indicator. The calculated performance indicator can be diagnosed based on at least one of profitability, risk-adjusted performance, and stability.

[0125] These backtest modules (220) and / or performance indicator calculation modules (230) can determine asset management recommendation information according to pre-specified asset group-asset mapping data based on diagnostic data.

[0126] Additionally, customers can use asset management recommendation information to decide on a combination of various asset allocations.

[0127] The weight optimization module (240) can determine the investment ratio of at least one financial asset to achieve maximum investment utility based on an actual portfolio.

[0128] In detail, the weight optimization module (240) can provide an optimized allocation strategy based on the risk-adjusted investment performance of the actual portfolio.

[0129] Additionally, in the embodiment, the portfolio database (250), the asset group database (260), and / or the customer management database (270) can store and manage various application programs, applications, commands, and / or data for implementing asset management services.

[0130] The portfolio database (250) can store a portfolio determined by all financial assets actually held by the customer (hereinafter, actual portfolio or first portfolio) and / or a portfolio in which the investment ratio for financial assets is changed according to a recommendation or random combination (hereinafter, virtual portfolio or second portfolio).

[0131] Additionally, the portfolio database (250) may store the first and second portfolios by matching them with the customer's personal information (e.g., age and / or annual salary, etc.).

[0132] The asset group database (260) can store at least one asset group information according to asset allocation, quantitative methodology, macroeconomic outlook data, and / or asset group outlook data.

[0133] Additionally, information on each asset group can be stored categorized into at least one of domestic stocks, domestic bonds, foreign stocks, foreign bonds, alternative investments, and short-term assets.

[0134] Additionally, the asset group database (260) can store information on each asset group by matching the period and / or item.

[0135] In addition, the asset group database (260) can store asset group-asset mapping data (hereinafter, asset information) that maps assets by asset group information.

[0136] For example, asset information includes “KODEX 200 TR” mapped to the “KOSPI 200 TR” asset group, “TIGER S&P 500” mapped to the “S&P 500 TR” asset group, and “ARIRANG MSCI Emerging Market Composite (H)” mapped to the “EM Index” asset group.

[0137] The customer management database (270) can store, by matching, the customer's personal information, portfolio diagnosis results, asset recommendation results, distribution strategy results, and final plan for each customer.

[0138] Additionally, in the embodiment, the asset management server (200) can store and manage various application programs, commands and / or data for implementing an asset management service.

[0139] As an example, the asset management server (200) can store and manage customer financial assets, first and second portfolios, backtest data, performance indicator calculation data, portfolio evaluation information, asset management recommendation information, preferred assets, recommended combinations, random combinations, and / or asset prescription interfaces.

[0140] However, in the embodiment of the present invention, the functional operations that the asset management server (200) can perform are not limited to those described above, and other functional operations may be performed.

[0141] Meanwhile, in the embodiment, the asset management server (200) as described above may be implemented as a computing device including at least one processor module for data processing, at least one communication module for data exchange with an external device, and at least one memory module for storing various application programs, data, and / or commands for providing asset management services.

[0142] The asset information inquiry module (210), backtest module (220), performance indicator calculation module (230), and / or weight optimization module (240) described above may be included in the processor module. That is, in the embodiment, the plurality of modules are described by distinguishing the operations performed by the processor module.

[0143] Additionally, the aforementioned portfolio database (250), asset group database (260), and / or customer management database (270) may be included in the memory module. That is, in the embodiment, the plurality of databases are described by distinguishing the operations performed by the memory module.

[0144] Here, the memory module can store one or more of an operating system (OS), various application programs, data, and commands for providing asset management services.

[0145] Additionally, the memory module may include a program area and a data area.

[0146] Here, the program area according to the embodiment may be linked between the operating system (OS) that boots the server and functional elements, and the data area may store data generated according to the use of the server.

[0147] In an embodiment, such memory modules may be various storage devices such as ROM, RAM, EPROM, flash drives, hard drives, etc., and may also be web storage that performs the storage function of the memory modules on the Internet.

[0148] Additionally, the memory module may be a removable storage medium on the server.

[0149] Meanwhile, the processor module can control the overall operation of each unit described above to implement an asset management service.

[0150] These processor modules may be system-on-chip (SOC) suitable for servers that include a central processing unit (CPU) and / or a graphics processing unit (GPU), and may execute an operating system (OS) and / or application programs stored in a memory module and control each component mounted on the server.

[0151] Additionally, the processor module may communicate internally with each component via a system bus and may include one or more predetermined bus structures including a local bus.

[0152] Additionally, the processor module may be implemented using at least one of application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, micro-controllers, microprocessors, and other electrical units for performing functions.

[0153] In the above description, it has been described that the asset management server (200) according to the embodiment of the present invention performs the functional operations as described above, but depending on the embodiment, at least a part of the functional operations performed by the asset management server (200) may be performed by an external device (e.g., a customer terminal (100), etc.), and at least a part of the functional operations performed by the external device may be further performed by the asset management server (200), and various other embodiments may be possible.

[0154]

[0155] - A method of providing asset management recommendation information that guides asset diagnosis and appropriate investment prescription.

[0156] Hereinafter, a method for providing an asset management service by an application (111) executed by at least one processor of a customer terminal (100) according to an embodiment of the present invention will be described in detail with reference to the attached FIGS. 3 to 10.

[0157] In an embodiment of the present invention, at least one processor of the customer terminal (100) can execute at least one application (111) stored in at least one memory (110) or operate it in the background.

[0158] Hereinafter, the method of providing the above-described asset management service by having at least one processor operate to execute the command of the application (111) is briefly described as being performed by the application (111).

[0159] Figure 3 is a flowchart illustrating a method for providing an asset management service according to an embodiment of the present invention.

[0160] Referring to FIG. 3, in the embodiment, the application (111) can acquire customer financial assets. (S101)

[0161] In detail, in an embodiment, the application (111) may obtain customer financial assets including all financial assets held by the customer based on direct input from the customer and / or linked systems.

[0162] At this time, the financial asset may include at least one of the asset group, stock name, size, and / or purchase period of the asset information.

[0163] Additionally, in the embodiment, the application (111) allows the user to directly input customer financial assets based on a simple search function.

[0164] Additionally, in the embodiment, the application (111) allows the user to automatically and / or manually input the asset allocation ratio for all customer financial assets held.

[0165] However, if a user's financial assets are not registered for analysis or if historical time-series data for analysis is insufficient, the financial asset may not be searched and thus cannot be entered. In the following, these financial assets will be referred to as "unsearched financial assets."

[0166] To this end, in the embodiment, the application (111) can automatically and / or manually determine a similar asset to replace an unsearched financial asset based on a similar asset application module.

[0167] In an embodiment, the application (111) may input an unsearched financial asset into a similar asset application device.

[0168] Additionally, in the embodiment, the application (111) can analyze the input unsearched financial assets to extract the presence or absence of a linked index and / or a tracking asset.

[0169] For example, the application (111) can analyze the fund name of an unsearched financial asset to check the composition of the investment assets, or check the linked index or the tracking or holding investment assets by checking the public information.

[0170] In addition, in the embodiment, the application (111) can extract an appropriate index or investment asset by analyzing the correlation between the input unsearched financial asset and the existing underlying index or major investment asset (hereinafter collectively referred to as “underlying index”).

[0171] At this time, in the embodiment, the application (111) may perform a correction operation because the extracted appropriate index or investment asset may have a large difference in volatility from the above-mentioned unsearched financial asset.

[0172] Specifically, in the embodiment, the application (111) can calculate the volatility ratio of an unsearched financial asset over the analysis period compared to the volatility of the underlying index. Furthermore, a correction operation can be performed by multiplying the calculated ratio by the volatility of the underlying index.

[0173] Meanwhile, in the embodiment, the application (111) may perform correction work based on alpha and beta strategies, machine learning and / or artificial intelligence methodologies.

[0174] That is, in the embodiment, the application (111) can add the determined similar asset as a customer financial asset by replacing the unsearched financial asset.

[0175] Additionally, in the embodiment, the application (111) can generate a first portfolio that diagnoses the current investment status based on the acquired customer financial assets. (S103)

[0176] Specifically, in one embodiment, the application (111) can generate a first portfolio based on analysis or diagnosis of the customer's current investment status, which is managed with the acquired customer's actual financial assets, based on asset allocation, quantitative methodology, macroeconomic outlook data, and / or asset class outlook data. Accordingly, the application (111) can analyze and provide information on the appropriateness, weaknesses, strengths, and market outlook of the customer's current investment status based on the first portfolio.

[0177] To this end, in the embodiment, the application (111) can perform backtesting on acquired customer financial assets.

[0178] Here, backtest data according to the embodiment may be data calculated to determine the maximum drawdown of a given financial information over a given period of time to verify changes in the portfolio's performance and risk over time. The maximum drawdown may refer to the extent of the portfolio's loss when it was at its greatest.

[0179] In an embodiment, the application (111) can set a period for which a backtest is to be performed. For example, the backtest period can be set to 1 year, 3 years, 5 years, 10 years, 20 years, or more.

[0180] For reference, if the backtest period is set to less than 10 years, the testing period is considered short, making it difficult to reliably assess investment risk based solely on that data. However, if the backtest period is set to 20 years or more, the testing period is considered sufficient, allowing for reliable assessment of investment risk based solely on that data.

[0181] Additionally, in the embodiment, the application (111) can generate backtest data by calculating the maximum drawdown for customer financial assets acquired over a set backtest period. The backtest data can be generated, for example, according to criteria such as those in [Table 1].

[0182] Range 0 ~ -5% - 5 ~ -10% - 10 ~ -15% - 15 ~ -20% - 20 ~ -30% - 30 ~ -100% Backtest data Very stable Stable Relative stability Caution required Risk Very risky

[0183] DataVery StableStableRelative StabilityCautionRequiredRiskVery RiskyIn this example, the application (111) can reflect the generated backtest data in the first portfolio and display it. In addition, in this example, the application (111) can calculate performance indicators for the acquired customer financial assets.

[0184] At this time, in the embodiment, the application (111) can calculate performance indicators using evaluation indicators used in major asset allocation and / or quantitative methodology.

[0185] In an embodiment, the performance indicator may include at least one of period return, annualized average (converted) return, Sharpe ratio, return continuity, maximum drawdown, downside volatility, longest loss period, and crisis test.

[0186] Additionally, the above performance indicators can be evaluated in terms of at least one of profitability, risk-adjusted performance, and stability.

[0187] Accordingly, in the embodiment, the application (111) can generate performance indicator calculation data based on each calculated performance indicator.

[0188] Additionally, in the embodiment, the application (111) can obtain backtest data and / or performance indicator calculation data by dividing and analyzing the entire time series into multiple sections.

[0189] That is, in the embodiment, the application (111) can create a first portfolio that reflects the backtest data and / or performance indicator calculation data by displaying it as visual content.

[0190] Figures 4 to 7 are examples of drawings for explaining a first portfolio according to an embodiment of the present invention.

[0191] Referring to FIGS. 4 to 7, in an embodiment, the application (111) can generate a first portfolio (PF-1) that displays the current investment status being operated with the customer's actual financial assets as visual content (e.g., images, text, and / or video).

[0192] At this time, the first portfolio (PF-1) according to the embodiment may include a profitability part (310), a stability part (320), a crisis test part (330), a correlation analysis part (340), and / or a comprehensive evaluation (350).

[0193] The profitability part (310) may be a part that visualizes and displays a number of profitability evaluation indicators.

[0194] This profitability part (310) may include a primary profitability chart (311) and / or multiple auxiliary profitability graphs (312, 313).

[0195] At this time, the basic profitability chart (311) is a period return chart, and the auxiliary profitability graphs (312, 313) may be graphs that display at least one of period return, average annual return, Sharpe ratio, and return continuity.

[0196] Period yield refers to the ratio of return to principal over the entire period.

[0197] The annual average (converted) rate of return refers to the annualized (geometric mean) rate of return.

[0198] The Sharpe ratio is an indicator that evaluates the return relative to risk.

[0199] Earnings continuity is a value that measures the continuity of expected returns by calculating the standard deviation of the annual return compared to the annual average return on a monthly basis.

[0200] The stability part (320) may be a part that visualizes and displays a number of risk assessment indicators.

[0201] This stability part (320) may include a primary stability chart (321) and / or multiple secondary stability graphs (322, 323).

[0202] At this time, the basic stability chart (321) is a drop chart, and the auxiliary stability graphs (322, 323) may be graphs that display at least one of the maximum drop, downward volatility, longest loss period, and loss pain size.

[0203] The drop is the degree of loss compared to the hourly high, and can be derived to calculate the maximum drop.

[0204] Downward volatility refers to the standard deviation of loss rates over a period.

[0205] The longest loss period refers to the longest period of time it takes to recover after a loss occurs during the investment period.

[0206] The crisis test section (330) may include a graph comparing the maximum drop in each year during which an economic crisis occurred. For example, economic crisis periods may include financial crises, wars, and pandemics.

[0207] The correlation analysis part (340) may include a graph comparing the profitability and / or risk between representative investment assets included in at least one category of domestic stocks, domestic bonds, foreign stocks, alternative investments, and short-term assets.

[0208] At this time, the correlation analysis part (340) may be provided based on market outlook information mapped in advance for specific stocks.

[0209] The comprehensive evaluation (350) may be a text-based section that provides a comprehensive evaluation of the customer's asset distribution.

[0210] Additionally, in the embodiment, the application (111) can generate portfolio evaluation information based on section-by-section comparative analysis.

[0211] For example, if the annualized return for the last three years is lower than the annualized return for the last ten years for the first asset information included in the customer's financial assets, portfolio evaluation information can be generated indicating that the performance of the first portfolio has deteriorated due to recent market changes.

[0212] Such portfolio evaluation information may be included and displayed in the comprehensive evaluation (350).

[0213] Additionally, in the embodiment, the application (111) can generate diagnostic information by custom setting the standard investment performance based on user input.

[0214] At this time, in the embodiment, the application (111) can obtain and compare the investment performance, volatility and / or maximum drop of the representative market index of the country in which the corresponding standard investment performance is provided.

[0215] This diagnostic information may be displayed as visual content (e.g., images, text and / or videos) and added to the first portfolio (PF-1).

[0216] All contents included in the above first portfolio (PF-1) can be delivered and displayed to users (customers) as is, or can be delivered and displayed to users (customers) in a form of information with improved comprehension by being delivered to a generative engine (GPT).

[0217] In addition, a prompt for using information to be entered into the first portfolio (PF-1) for efficient operation of the generative engine (GPT) can be configured in advance and transmitted to the generative engine (GPT).

[0218] For example, prompts can increase the efficiency of generative engines (GPTs) by providing specific instructions, such as the format of the data to be provided, interpretation procedures, and examples, along with specific commands in a format like Markdown.

[0219] Additionally, in the embodiment, the application (111) can provide asset management recommendation information based on the generated first portfolio. (S105)

[0220] In detail, in an embodiment, the application (111) may provide asset management recommendation information based on backtest data and / or performance indicator calculation data that serve as the basis for creating the first portfolio.

[0221] Here, asset management recommendation information according to an embodiment may refer to information that recommends an investment product (asset information, for example) that improves at least one of profitability, risk-adjusted performance, and stability by analyzing the suitability, weaknesses, strengths, and market outlook of the customer's current investment status.

[0222] This asset management recommendation information may include recommended asset information and / or recommended allocation information. In this case, the recommended asset information may be provided by categorizing it into at least one of the following attributes: profitability, risk-adjusted performance, and stability.

[0223] In an embodiment, the application (111) can generate and provide recommended asset information and / or recommended distribution information.

[0224] To this end, in the embodiment, the application (111) can search for at least one existing asset information included in the first portfolio.

[0225] Additionally, in the embodiment, the application (111) can extract at least one new asset information that can improve profitability, risk-adjusted performance, and stability based on the retrieved existing asset information.

[0226] At this time, in the embodiment, the application (111) can be optimized by setting the risk-free interest rate for profitability, the Sharpe ratio for risk-adjusted performance, and volatility and maximum drawdown for stability as key indicators.

[0227] Additionally, in the embodiment, the application (111) can exclude, from the extracted new asset information, asset information with a high correlation with the existing asset information. For example, a high correlation may be due to similar stock names, similar asset fluctuations / scales based on time-series data, or similar target categories. This may be to prevent duplicate recommendations.

[0228] Additionally, in the embodiment, the application (111) may refine the extracted new asset information by adding outlook-related data (e.g., macroeconomic outlook data, asset class-asset outlook data).

[0229] Additionally, in the embodiment, the application (111) can perform at least one backtest on new asset information (hereinafter, filtered asset information) refined through a predetermined step.

[0230] At this time, the above backtest is identical to the operation performed by the above-described backtest module (220), and a different methodology may be performed to generate recommended asset information.

[0231] In addition, the above backtest can be performed multiple times depending on the addition and / or exclusion of new asset information, and in an embodiment, the application (111) can extract and confirm the degree of improvement in properties (e.g., profitability, risk-adjusted performance, stability) each time the above backtest is performed.

[0232] Accordingly, in the embodiment, the application (111) can obtain at least one piece of recommended asset information satisfying preset criteria by attribute.

[0233] Additionally, in the embodiment, the application (111) can determine the recommended distribution information by determining the distribution rate of the obtained recommended asset information.

[0234] In addition, in the embodiment, if the backtest data is above the “caution required” level, the application (111) may later provide asset management recommendation information that considers inclusion of investment assets with an inverse correlation to increase investment stability or recommends / advises an increase in the proportion of cash assets.

[0235] At this time, the recommended asset information and / or recommended allocation information may be determined based on the customer's investment propensity, as determined by the first portfolio, and the customer's desired investment propensity. The customer's desired investment propensity may be obtained through a predetermined survey during the customer personal information input stage collected during the initial setup of the application (111).

[0236] That is, in the embodiment, the application (111) can determine recommended asset information that recommends investment items according to the determined investment tendency, and recommended distribution information that suggests a recommended investment ratio for achieving maximum investment utility for each recommended asset information.

[0237] Through this, in the embodiment, the application (111) can provide asset management recommendation information including recommended asset information and recommended distribution information.

[0238] At this time, in the embodiment, the application (111) can display the asset management recommendation information based on the asset prescription interface and provide it to the user (customer).

[0239] FIG. 8 is an example of a drawing for explaining an asset prescription interface according to an embodiment of the present invention.

[0240] Referring to FIG. 8, in an embodiment, the application (111) can recommend specific assets to improve weaknesses based on the results of analyzing and diagnosing customer financial assets based on the asset prescription interface (400).

[0241] In an embodiment, the application (111) can provide recommended asset information for each of a profitability improvement prescription (410), a risk-adjusted performance improvement prescription (420), and a stability improvement prescription (430).

[0242] The profitability improvement prescription (410) may provide at least one piece of recommended asset information recommended to improve profitability of a customer's financial assets.

[0243] The risk-adjusted performance improvement prescription (420) may provide at least one piece of recommended asset information recommended to manage risk and increase returns on customer financial assets.

[0244] The stability improvement prescription (430) may provide at least one piece of recommended asset information recommended to improve stability by lowering the risk even if the rate of return is lowered for the customer's financial assets.

[0245] Additionally, each recommended asset information included in each improvement prescription (410, 420, 430) may display a stock name and / or detailed reason. The detailed reason may include a brief explanation analyzing the characteristics of the recommended asset information, macroeconomic factors, and other factors.

[0246] Additionally, each recommended asset information included in each improvement prescription (410, 420, 430) may include an add button (AD) and / or a delete button (DE).

[0247] Based on the above-mentioned Add button (AD) and / or Delete button (DE), users (customers) can select only the desired asset information by inputting the addition and / or deletion of specific asset information from the provided asset management recommendation information based on their investment tendencies. Hereinafter, the recommended asset information selected based on the asset prescription interface (400) may be referred to as "preferred assets."

[0248] That is, in the embodiment, the application (111) can input preferred assets based on the provided asset management recommendation information. (S107)

[0249] In detail, in the embodiment, the application (111) can input preferred assets based on the add button (AD) and / or delete button (DE) included in each recommended asset information included in each attribute in the asset prescription interface (400).

[0250] At this time, the add button (AD) may be included in the unselected recommended asset information, and the delete button (DE) may be included in the selected recommended asset information.

[0251] Additionally, in the embodiment, the application (111) may provide recommended allocation information for preferred assets based on the portfolio prescription section (440) of the asset prescription interface (400).

[0252] At this time, the portfolio prescription section (440) may display recommended distribution information matched to the preferred asset.

[0253] Meanwhile, if the user enters more than one preferred asset, the Optimize button (OP) may be activated.

[0254] At this time, when the user inputs the optimization button (OP), the application (111) in the embodiment can optimize and change the recommended distribution information matched to each preferred asset according to an automated process.

[0255] Additionally, in the embodiment, the application (111) can graphically display the attributes of preferred assets by using different colors for each improvement prescription (410, 420, 430). This facilitates the user's ability to easily understand the changes in investment tendencies (attributes) that occur as they modify their portfolio.

[0256] Additionally, in the embodiment, the application (111) can generate a second portfolio based on the input preferred assets. (S109)

[0257] In detail, in the embodiment, the application (111) can create a second portfolio that analyzes or diagnoses the virtual investment status being operated with virtual financial assets based on asset allocation, quantitative methodology, macroeconomic outlook data, and / or asset group outlook data by virtually changing the investment items based on the provided asset management recommendation information.

[0258] The description of the above second portfolio is the same as that of the first portfolio, so the contents thereof are applied, and only the differences are described below.

[0259] FIG. 9 and FIG. 10 are examples of drawings for explaining a second portfolio according to an embodiment of the present invention.

[0260] Referring to FIGS. 9 and 10, in the embodiment, the application (111) can create a second portfolio (PF-2) that displays a virtual investment status according to asset management recommendation information as visual content.

[0261] At this time, the second portfolio (PF-2) according to the embodiment may include a profitability improvement part (510) and / or an asset allocation composition part (520).

[0262] The profitability improvement part (510) may include a basic profitability improvement chart (511) and / or multiple auxiliary profitability improvement graphs (512, 513).

[0263] At this time, the basic profitability improvement chart (511) may be a chart that compares the degree of improvement in profitability in the second portfolio compared to the profitability in the first portfolio.

[0264] Additionally, the multiple auxiliary profitability improvement graphs (512, 513) may be graphs showing the cumulative return and average annual return of the second portfolio compared to the first portfolio.

[0265] Additionally, the second portfolio (PF-2) may further include at least one auxiliary stability improvement graph. In this case, the auxiliary stability improvement graph may be a graph showing the maximum drawdown and downward volatility of the second portfolio compared to the first portfolio.

[0266] The asset allocation composition part (520) may include an asset allocation graph (521) and / or asset allocation detailed items (522).

[0267] The asset allocation graph (521) may be a graph that visualizes the categories of asset information reflected in the second portfolio (PF-2).

[0268] At this time, the asset information reflected in the second portfolio (PF-2) can be categorized into stocks, bonds, mixed assets, alternative investments, cash assets, and / or cash.

[0269] The asset allocation details (522) can display at least one asset information constituting each category of the second portfolio (PF-2) in text format.

[0270] That is, in the embodiment, the application (111) can compare the first portfolio and the second portfolio. (S111)

[0271] In detail, in the embodiment, the application (111) can compare and display the performance of what has been improved in the second portfolio compared to the first portfolio by changing the asset information by supplementing the financial assets held by the user (customer) based on the asset management recommendation information.

[0272] At this time, in the embodiment, the application (111) can re-enter preferred assets based on user (customer) input. Then, the application (111) can create a new second portfolio reflecting the re-entered preferred assets and compare it with the first portfolio to indicate areas for improvement.

[0273] Accordingly, in the embodiment, the application (111) can determine and store the final plan based on the comparison results. (S113)

[0274] That is, in the embodiment, the application (111) can determine and store the final plan based on the optimal distribution strategy determined based on portfolio comparison. This final plan can be stored in conjunction with the customer's personal information.

[0275] In an embodiment, the application (111) can store the recommended asset information and / or recommended distribution information included in the asset management recommendation information as a recommended combination while maintaining it intact.

[0276] That is, the above recommended combination can be operated with the same asset information as the second portfolio.

[0277] On the other hand, in the embodiment, the application (111) may store the recommended distribution information in an arbitrary combination by arbitrarily combining the investment ratios for at least one or more pieces of recommended asset information included in the asset management recommendation information.

[0278] That is, the above random combination can be operated with asset information different from that of the second portfolio.

[0279] Additionally, in the embodiment, the application (111) may connect to another link (e.g., a financial investment application) that matches the asset management recommendation information included in the final plan to perform a new asset distribution based on the distribution strategy of the recommended combination and / or random combination.

[0280] Additionally, in the embodiment, the application (111) can automatically connect to another connected link and automatically provide asset management recommendation information determined according to the final plan.

[0281] Here, if the final plan includes 1) an allocation strategy that changes the investment ratio of existing financial assets, in the embodiment, the application (111) can automatically connect to a page and / or link that can change the investment ratio.

[0282] Additionally, if the final plan includes 2) a new financial asset and an allocation strategy that determines the investment ratio of the new financial asset, in the embodiment, the application (111) can automatically connect to a page and / or link where the new financial asset can be purchased.

[0283] At this time, the investment ratio included in the final plan can be automatically entered into the form.

[0284] That is, the application (111) provides the effect of increasing user convenience by allowing the user to easily change the actual financial assets held according to the final plan decided upon.

[0285] Additionally, in the embodiment, the application (111) can simulate the investment performance of the final plan over time.

[0286] In addition, in the embodiment, the application (111) can check the movement of at least one piece of asset information (i.e., detailed items) included in the final plan and provide rebalancing, abnormal signs, etc. to the user later.

[0287] That is, the application (111) according to the embodiment can continuously provide information on the status of asset information held by the user, and can increase reliability by actually verifying the results of the second portfolio, which was virtual over time, thereby increasing the economic profit from investment and improving the satisfaction of using the service for the user.

[0288] Above, the method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention analyzes and diagnoses the current financial asset status of the customer and provides asset management recommendation information including asset group recommendations and asset allocation improvement prescriptions optimized for the current financial assets of the customer, thereby professionally identifying the appropriateness, weaknesses, and strengths of the customer's current investment status and changing the investment items and their ratios, thereby having the effect of generating actual economic profits from the investment.

[0289] In addition, the method and system for diagnosing assets and providing guidance on appropriate investment prescriptions for customer financial asset management according to an embodiment of the present invention has the effect of increasing reliability and service satisfaction by generating a virtual portfolio by inputting preferred assets according to the customer's needs and tastes, thereby leading to investments appropriate to the customer's investment tendencies.

[0290] In addition, the method and system for asset diagnosis and appropriate investment prescription guidance for customer financial asset management according to an embodiment of the present invention has the effect of visually displaying which parts are improved and how much compared to the existing investment status by comparing an actual portfolio based on the customer's actual financial assets with a virtual portfolio created based on asset management recommendation information, thereby increasing the user's understanding and satisfaction, thereby improving the probability of leading to actual investment.

[0291]

[0292] The embodiments of the present invention described above may be implemented in the form of program commands that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, etc., either singly or in combination. The program commands recorded on the computer-readable recording medium may be specially designed and configured for the present invention or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specifically configured to store and execute program commands, such as ROMs, RAMs, and flash memories. Examples of program commands include not only machine language codes generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter, etc. Hardware devices may be changed into one or more software modules to perform processing according to the present invention, and vice versa.

[0293] The specific implementations described in the present invention are exemplary embodiments and do not limit the scope of the present invention in any way. For the sake of brevity, descriptions of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the lines connecting or connecting members between components illustrated in the drawings are merely representative of functional connections and / or physical or circuit connections, and may be replaced or represented as various additional functional connections, physical connections, or circuit connections in an actual device. In addition, unless specifically mentioned as “essential,” “important,” etc., a component may not be absolutely necessary for the application of the present invention.

[0294] Although the detailed description of the present invention has been described with reference to preferred embodiments of the present invention, it will be understood by those skilled in the art or having ordinary knowledge in the art that various modifications and changes can be made to the present invention without departing from the spirit and technical scope of the present invention as set forth in the claims below. Accordingly, the technical scope of the present invention should not be limited to the contents described in the detailed description of the specification, but should be defined by the claims.

[0295]

[0296] The present invention is a method and system for managing customer financial assets by analyzing user asset data through a self-management application executed by a processor, and therefore has industrial applicability.

Claims

1. A method for providing an asset management service that guides asset diagnosis and appropriate investment prescription for customer financial asset management by an asset management application executed by at least one processor of a customer terminal, A step of acquiring customer financial assets including at least one piece of asset information; A step of creating a first portfolio by diagnosing the current investment status based on the customer financial assets acquired above; A step of providing asset management recommendation information based on the first portfolio generated above; A step of entering preferred assets based on the asset management recommendation information provided above; A step of generating a second portfolio reflecting virtual investment based on the preferred assets entered above; and A step of determining a final plan based on the results of comparing the first portfolio and the second portfolio; The steps for acquiring the above customer financial assets are: If the above asset information is unregistered asset information and the past time series data of the above asset information is below the preset standard, a step for determining the asset information as an unsearched financial asset; A step of determining a similar asset to replace the above-determined unsearched financial asset based on the similar asset application module, Comprising the step of adding the above-determined similar asset to the customer financial asset, The steps for determining the above similar assets are: A step for extracting an appropriate index by analyzing the correlation between the above-mentioned unsearched financial assets and the basic index of existing asset information, A step for calculating the volatility ratio of the above unsearched financial asset during the analysis period compared to the volatility of the above basic index, A step of performing a correction operation by multiplying the above-mentioned calculated ratio by the volatility of the above-mentioned basic index, A step of determining an unsearched financial asset for which the above correction operation has been performed as the similar asset; A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

2. In paragraph 1, The steps for acquiring the above customer financial assets are: A step of obtaining at least one manually entered asset information, and Comprising at least one step of obtaining at least one asset information from a linked system, A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

3. In paragraph 1, The step of creating the first portfolio is: A step of generating backtest data for the above asset information by performing backtesting, A step of generating performance indicator calculation data by calculating performance indicators of at least one of the above asset information, A step of generating a first portfolio displaying visual content based on the generated backtest data and performance indicator calculation data. A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

4. In paragraph 1, The steps for providing the above asset management recommendation information are: A step of extracting at least one new asset information that improves at least one attribute among profitability, risk-adjusted performance, and stability based on the first portfolio; A step of excluding the new asset information if the similarity between the extracted new asset information and the asset information included in the first portfolio is higher than the preset standard, A step for generating filtered asset information by refining the new asset information based on the outlook-related data, A step of determining recommended asset information for at least one attribute based on the generated filtering asset information is included. The above profitability is a property that sets the risk-free interest rate as the key indicator, the above risk-adjusted performance is the Sharpe ratio, and the above stability is a property that sets the maximum drawdown as the key indicator. A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

5. In paragraph 4, The steps for providing the above asset management recommendation information are: A step for determining recommended distribution information that determines the recommended investment ratio to achieve maximum investment utility for the above recommended asset information, A step of providing asset management recommendation information including the above recommended asset information and the above recommended distribution information. A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

6. In paragraph 1, The steps to enter the above preferred assets are: A step for determining a recommendation combination identical to the recommended asset information and recommended distribution information included in the above asset management recommendation information; and Including at least one step of determining a random combination by randomly combining investment ratios for at least one preferred asset determined from the recommended asset information included in the above asset management recommendation information, The above recommended asset information and the above recommended distribution information are, Backtest data that calculates the maximum drawdown of a given financial information over time, data determined based on at least one of the customer's investment tendencies identified by the first portfolio and survey A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

7. In paragraph 4, The step of creating the above second portfolio is: A step of obtaining backtest data and performance indicator calculation data by reflecting the preferred asset in the first portfolio, A step of generating a second portfolio displaying visual content based on the above-mentioned acquired backtest data and performance indicator calculation data is included. The step of creating the above second portfolio is: A step of displaying an improvement part visualizing the degree of improvement in at least one attribute among profitability, risk-adjusted performance, and stability of the second portfolio compared to the first portfolio; A step of displaying an asset allocation composition part visualized by dividing the asset information reflected in the second portfolio into at least one category of stocks, bonds, mixed, alternative investments, cash assets, and / or cash. A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

8. In paragraph 1, The steps to determine the final plan are: A step for deriving the actual investment performance of the final plan over time after the final plan is decided; It further includes a step of rebalancing and providing at least one or more asset information included in the final plan according to the investment performance derived above. A method for guiding asset diagnosis and appropriate investment prescription for customer financial asset management.

9. At least one memory; comprising at least one processor; At least one application stored in the above memory and executed by the above processor to provide an asset management service that guides asset diagnosis and appropriate investment prescription for customer financial asset management, wherein the at least one application is: Acquire customer financial assets that include at least one asset information, Create a first portfolio that diagnoses the current investment status based on the customer financial assets acquired above, Provides asset management recommendation information based on the first portfolio generated above, Enter your preferred assets based on the asset management recommendation information provided above, Create a second portfolio reflecting virtual investments based on the preferred assets entered above, Including determining the final plan based on the results of comparing the first portfolio and the second portfolio; Acquiring the above customer financial assets, If the above asset information is unregistered asset information and the past time series data of the above asset information is below the preset standard, the asset information is determined as an unsearched financial asset. Determine a similar asset to replace the above-determined unsearched financial asset based on the similar asset application module, Including adding the similar assets determined above to the customer financial assets; Determining the above similar assets is: The above unsearched financial assets are analyzed in correlation with the basic index of existing asset information to extract an appropriate index. Calculate the volatility ratio of the above unsearched financial asset during the analysis period compared to the volatility of the above basic index, The above calculated ratio is multiplied by the volatility of the basic index to perform a correction operation, Including determining the unretrieved financial asset for which the above correction operation has been performed as the similar asset; A system for asset diagnosis and appropriate investment prescription guidance for customer financial asset management.

Images