Investment product recommendation system

Abstract

The present invention relates to a system (1) which enables an investment recommendation to be offered based on the profit status of all investment products of the user.

Description

[0001] INVESTMENT PRODUCT RECOMMENDATION SYSTEM

[0002] Technical Field

[0003] The present invention relates to a system which enables an investment recommendation to be offered based on the profit status of all investment products of the user.

[0004] Background of the Invention

[0005] Today, a performance index for investors is created in order to provide a measure of the performance of the best individual investors over time relative based on a market index. In addition, there are also available applications in the form of receiving a list of investment targets from the client along with his / her information and providing recommendation in terms of dollar amounts and timing for each target. However, features such as selecting maturities and providing investment recommendations based on the profit and loss of the principal of the user are not available.

[0006] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system which enables an investment recommendation to be offered based on the profit status of all investment products of the user.

[0007] The Taiwan patent document no. TW202038172, an application included in the state of the art, discloses an investment management system. The invention subject to the said Taiwan patent document provides an investment management system comprising: a mobile device module, comprising an account inquiry function, an investment target screening, and an investment proportional setting function; an investor basic data module, comprising an investor risk attribute assessment information, an investment preference, a historical investment record, and a profit and loss notification function; an investment management module, the said investors can use this module to allocate the investment targets and investment amounts; an investor asset module, recording the investment amount and the investable balance of an investor, an investment target, an investment profit and loss and a historical investment record, the above-mentioned investor can place an investment target through the aforementioned investor asset module; a commodity information source module, which includes information of an investment commodity; an investment robot module, which includes an investor risk attribute evaluation function, and sends an investment suggestion report to the said investor according to the said risk attribute and an investment product characteristic, the investor performs stop loss or suspension according to an investment analysis report.

[0008] Summary of the Invention

[0009] An object of the present invention is to realize a system developed with the aim of enabling an investment recommendation to be offered based on the profit status of all investment products of the user.

[0010] Another object of the present invention is to realize a system developed with the aim of providing investment product recommendations for users, who can view the investment products in all their bank accounts on a single field, to cover their losses over the maturity of their choice, if the profit / loss status in all investment products is in negative balance.

[0011] Detailed Description of the Invention “Investment Product Recommendation System” realized to fulfil the objectives of the present invention is shown in the figure attached, in which:

[0012] Figure 1 is a schematic view of the inventive system.

[0013] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0014] 1. System

[0015] 2. Electronic device

[0016] 3. Interface

[0017] 4. Server

[0018] The inventive system (1) developed with the aim of providing an investment recommendation based on the profit / loss status in all investment products comprises at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one application thereon; at least one interface (3) which is configured to be run on the electronic device (2); to enable the accounts in different banks to be displayed from a single field; to display the investment products in all accounts from a single screen and with the profit / loss status; to display the profit / loss status on the principal and the investment product recommendations created according to this status; and at least one server (4) which is configured to establish connection with the electronic device (2) by using any communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection; to calculate the return status by analyzing the investment products to be offered for a certain time interval; to present the investment products that the user can obtain the highest return over the maturity the user will select through the interface (3) in the form of a recommendation on the interface (3), if the user is in profit status on his / her principal; to access the amount and maturity that the user wants to reach through the interface (3) and to offer the most suitable investment products on the interface (3) accordingly, if the user is not in profit / loss status on his / her principal; to access the maturity selection of the user through the interface (3) and to create and present on the interface (3) investment product recommendations with returns that the user can cover his / her losses and switch to profit status over the selected maturity accordingly, if the user is at a loss on his / her principal.

[0019] The electronic device (2) included in the inventive system (1) is configured to exchange data by using any remote communication protocol and to run at least one application thereon. The electronic device (2) is a device in the form of a cell phone, tablet computer, desktop computer and / or portable computer. The electronic device (2) is configured to run the interface (3) thereon. The electronic device (2) is configured to establish connection with the server (4) by using any remote communication protocol included in the state of the art.

[0020] The interface (3) included in the inventive system (1) is configured to be run on the electronic device (2). The interface (3) is configured to enable users to view their accounts in different banks from a single field. The interface (3) is configured to enable users to view the investment products in all their accounts in the form of funds, time deposit accounts, shares, bonds, Euro Bonds and currency hedged deposit products on a single screen and with profit / loss status. The interface (3) is configured to enable users to view the profit / loss status on their principal. The interface (3) is configured to enable users to select a maturity and view the investment product recommendations where the user can obtain the highest return over the selected maturity if the user is in profit status on his / her principal. The interface (3) is configured to enable users to purchase recommended investment products. The interface (3) is configured to enable the users to select the amount and maturity they want to reach and to display the most suitable investment products accordingly, if the user is not in profit / loss status on his / her principal and if his / her principal is the same amount. The interface (3) is configured to enable the user to select a maturity and to display investment product recommendations with returns that the user can cover his / her losses and switch to profit status over the selected maturity if the user is at a loss on his / her principal amount and if the principal amount is more than the available amount. The interface (3) is configured to display the information that there is no available investment product that the user can switch to profit status over the selected maturity, to enable a longer maturity to be selected, and to display investment product recommendations over the longer maturity. The interface (3) is configured to display a list of investment products that the user can obtain the highest profit with the selected maturity, if no investment product that the user can switch to profit status on the selected maturity can be found. The interface (3) is configured to display the condition that users should not reduce their principal. The interface (3) is configured to enable users to view the information that, if they decide to purchase the relevant investment products, they will not be able to make a profit on these investment products at the expected rate with certainty. The interface (3) is configured to enable users to view the most suitable investment recommendations created in order to provide the highest return in retirement. The interface (3) is configured to enable users to view the package recommendations that can provide the highest fund return in the period until retirement created by taking into account the owned funds and the risk class. The interface (3) is configured to enable users waiting for their retirement period to view fund packages with higher returns when these products are added.

[0021] The server (4) included in the inventive system (1) is configured to establish connection with the electronic device (2) by using any communication protocol included in the state of the art, and to establish communication with the interface (3) run on the electronic device (2) through this established connection. The server (4) is configured to calculate the return status by analyzing the investment products to be offered to the user for a certain time interval. The server (4) is configured to present the investment products that the user can obtain the highest return over the maturity the user will select through the interface (3) in the form of a recommendation on the interface (3). The server (4) is configured to access the amount and maturity that the user wants to reach through the interface (3) and to present the most suitable investment products on the interface (3) accordingly, if the user is not in profit / loss status on his / her principal and if his / her principal is the same amount. The server (4) is configured to present the closest investment products that are suitable for the choices of the user on the interface (3), if a close investment product cannot be found at the rate and maturity selected by the user. The server (4) is configured to present investment products to the user on the interface (3) if these products can be predicted to generate a higher return than the rate selected by the user. The server (4) is configured to access the maturity selection of the user through the interface (3), and to create and present to the user on the interface (3) investment product recommendations with returns that the user can cover his / her losses and switch to profit status over the selected maturity accordingly, if the user is at a loss on his / her principal amount and if the principal amount is more than the available amount. The server (4) is configured to request a longer maturity to be selected and to present an investment product recommendation over the longer maturity if an investment product cannot be found on the maturity selected by the user. The server (4) is configured to present to the user on the interface (3) the products that the user can obtain the highest profit with the selected maturity if no investment product that the user can switch to profit status on the selected maturity can be found. The server (4) is configured to access the information on which investment product recommendation the user has selected through the interface (3) and to present the condition on the interface (3) that the user should not reduce his / her principal. The server (4) is configured to present on the interface (3) the information that, if the user decides to purchase the relevant investment products, they will not be able to make a profit on these investment products at the expected rate with certainty. The server (4) is configured to create the most suitable investment recommendations and present them on the interface (3) in order to provide the user with the highest return in retirement by analyzing information in the form of the age, when the user will retire and income items through artificial intelligence algorithms. The server (4) is configured to generate and present on the interface (3) the package recommendations that will provide the highest fund returns in the period until retirement by taking into account the funds owned by the user and the risk class. The server (4) is configured to present on the interface (3) fund packages with higher returns to users waiting for retirement, when these products are added.

[0022] Industrial Application of the Invention

[0023] In the inventive system (1), it is enabled to provide investment product recommendations for users, who can view the investment products in all their bank accounts on a single field, to cover their losses over the maturity of their choice, if the profit / loss status in all investment products is in negative balance.

[0024] Within these basic concepts; it is possible to develop various embodiments of the inventive “Investment Product Recommendation System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) developed with the aim of providing an investment recommendation based on the profit / loss status in all investment products; comprising at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one application thereon; at least one interface (3) which is configured to be run on the electronic device (2); to enable the accounts in different banks to be displayed from a single field; to display the investment products in all accounts from a single screen and with the profit / loss status; to display the profit / loss status on the principal and the investment product recommendations created according to this status; and characterized by at least one server (4) which is configured to establish connection with the electronic device (2) by using any communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection; to calculate the return status by analyzing the investment products to be offered for a certain time interval; to present the investment products that the user can obtain the highest return over the maturity the user will select through the interface (3) in the form of a recommendation on the interface (3), if the user is in profit status on his / her principal; to access the amount and maturity that the user wants to reach through the interface (3) and to offer the most suitable investment products on the interface (3) accordingly, if the user is not in profit / loss status on his / her principal; to access the maturity selection of the user through the interface (3) and to create and present on the interface (3) investment product recommendations with returns that the user can cover his / her lossesand switch to profit status over the selected maturity accordingly, if the user is at a loss on his / her principal.

2. A system (1) according to Claim 1; characterized by the electronic device (2) which is a device in the form of a cell phone, tablet computer, desktop computer and / or portable computer; and is configured to exchange data by using any remote communication protocol and to run at least one application thereon.

3. A system (1) according to Claim 1 or 2; characterized by the electronic device (2) which is configured to run the interface (3) thereon.

4. A system (1) according to Claim 3; characterized by the electronic device (2) which is configured to establish connection with the server (4) by using any remote communication protocol.

5. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to be run on the electronic device (2).

6. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view their accounts in different banks from a single field.

7. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view the investment products in all their accounts in the form of funds, time deposit accounts, shares, bonds, Euro Bonds and currency hedged deposit products on a single screen and with profit / loss status.

8. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view the profit / loss status on their principal.

9. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to select a maturity and view the investment product recommendations where the user can obtain the highest return over the selected maturity if the user is in profit status on his / her principal.

10. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to purchase recommended investment products.

11. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable the users to select the amount and maturity they want to reach and to display the most suitable investment products accordingly, if the user is not in profit / loss status on his / her principal and if his / her principal is the same amount12. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable the user to select a maturity and to display investment product recommendations with returns that the user can cover his / her losses and switch to profit status over the selected maturity if the user is at a loss on his / her principal amount and if the principal amount is more than the available amount.

13. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to display the information that there is no available investment product that the user can switch to profit status over the selected maturity, to enable a longer maturity to be selected,and to display investment product recommendations over the longer maturity.

14. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to display a list of investment products that the user can obtain the highest profit with the selected maturity, if no investment product that the user can switch to profit status on the selected maturity can be found.

15. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to display the condition that users should not reduce their principal.

16. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view the information that, if they decide to purchase the relevant investment products, they will not be able to make a profit on these investment products at the expected rate with certainty.

17. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view the most suitable investment recommendations created in order to provide the highest return in retirement.

18. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to view the package recommendations that can provide the highest fund return in the period until retirement created by taking into account the owned funds and the risk class.

19. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users waiting for their retirement period to view fund packages with higher returns when these products are added.

20. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to establish connection with the electronic device (2) by using any remote communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection.

21. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to calculate the return status by analyzing the investment products to be offered to the user for a certain time interval.

22. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present the investment products that the user can obtain the highest return over the maturity the user will select through the interface (3) in the form of a recommendation on the interface (3).

23. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to access the amount and maturity that the user wants to reach through the interface (3) and to present the most suitable investment products on the interface (3) accordingly, if the user is not in profit / loss status on his / her principal and if his / her principal is the same amount.

24. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present the closest investmentproducts that are suitable for the choices of the user on the interface (3), if a close investment product cannot be found at the rate and maturity selected by the user.

25. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present investment products to the user on the interface (3) if these products can be predicted to generate a higher return than the rate selected by the user.

26. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to access the maturity selection of the user through the interface (3), and to create and present to the user on the interface (3) investment product recommendations with returns that the user can cover his / her losses and switch to profit status over the selected maturity accordingly, if the user is at a loss on his / her principal amount and if the principal amount is more than the available amount.

27. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to request a longer maturity to be selected and to present an investment product recommendation over the longer maturity if an investment product cannot be found on the maturity selected by the user.

28. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present to the user on the interface (3) the products that the user can obtain the highest profit with the selected maturity if no investment product that the user can switch to profit status on the selected maturity can be found.

29. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to access the information on whichinvestment product recommendation the user has selected through the interface (3) and to present the condition on the interface (3) that the user should not reduce his / her principal.

30. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present on the interface (3) the information that, if the user decides to purchase the relevant investment products, they will not be able to make a profit on these investment products at the expected rate with certainty.

31. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to create the most suitable investment recommendations and present them on the interface (3) in order to provide the user with the highest return in retirement by analyzing information in the form of the age, when the user will retire and income items through artificial intelligence algorithms.

32. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to generate and present on the interface (3) the package recommendations that will provide the highest fund returns in the period until retirement by taking into account the funds owned by the user and the risk class.

33. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to present on the interface (3) fund packages with higher returns to users waiting for retirement, when these products are added.

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