JP7291187B2 - Target Achievement Portfolio Generating Apparatus, Program and Method - Google Patents

Description

TECHNICAL FIELD The present invention relates to technology for supporting investment and management of financial products, and is particularly effective when applied to an investment management proposal system that supports the work of financial institutions, etc., in providing investment advice and proposals to investors. It relates to an achievement portfolio generation device and a program and method used therefor.

In general, financial institutions such as banks and securities companies provide individual investors with advice and proposals related to investment and asset management as part of their business. is also proposed.
In recent years, asset management services known as "robo-advisors" that automatically assist in investment and management, manage portfolios, etc., have spread mainly in Europe and the United States.

As a "robo-advisor" service, for example, a service (https://www.hedgeable.com/) provided by Hedgeable Inc. in the United States is known.
With this type of "robo-advisor" service, customers answer a number of questions about their investment objectives, investment policies, asset status, etc. via an application screen on the web. A recommended portfolio is presented as suitable for the client. Then, when the client chooses to manage assets using the portfolio, the assets are automatically managed along the portfolio.

In addition, as a technology related to the proposal of a recommended portfolio and automatic management along the portfolio, for example, Patent Document 1 discloses a method of presenting a portfolio by combining multiple financial products for a predetermined investment period. disclosed.
In the method described in Patent Document 1, a plurality of market price fluctuation scenarios related to products are systematically set in advance, and parameters representing fluctuation scenarios and parameters representing market characteristics are used for each of the plurality of fluctuation scenarios. In contrast, future profit and loss simulations are performed, and optimal portfolios are constructed and presented from a set of portfolios that have been narrowed down.

Further, for example, in Patent Document 2, risk tolerance data representing an investor's risk tolerance level and investment selection criteria are received from a user terminal, and an investment destination list for inclusion in a portfolio ranked according to the investment selection criteria A system has been proposed that constructs a portfolio by generating and displaying on a user terminal.
Furthermore, Patent Literature 3, for example, proposes an automated portfolio management system capable of automatically issuing trading instructions according to a portfolio management algorithm.

Patent Document 1: JP-A-2000-293569 Patent Document 2: Japanese Patent Publication No. 2014-525062 Patent document 3: JP 2008-243158 A

However, in any of the systems that provide recommended portfolios as described above, simply by proposing an investment plan by applying predetermined rules to one or two or more financial There is nothing that presents a plan that assumes a specific goal or purpose/goal for adoption.
Investors, especially individual investors, may invest and manage their assets for the vague purpose of making profits, but it is not uncommon for them to consider investing with more specific goals and goals in mind.

For example, you want to save a certain amount of money as a down payment in a few years to purchase real estate in the future, or you want to save a down payment to purchase a luxury car within a few years, according to your life stage. In this way, there are times when we consider asset management with specific goals and dreams.
In addition, the specific goals and goals of such asset management are not limited to one, and multiple goals such as real estate and automobiles, retirement and travel, etc. are often assumed.

However, the technologies disclosed in the above-mentioned patent documents 1 to 3 only present a vague combination of financial products and a recommended portfolio, and the individual investors as described above assume It was not possible to propose asset management with specific targets and goals.
In addition, when multiple such specific targets are set, multiple target amounts and investment periods that differ according to the targets may be created or proposed by incorporating them into a single asset management plan or portfolio. It was also not possible to prepare multiple plans for different portfolios so that they can be compared and examined.

The present invention was proposed to solve the problems of the conventional technology as described above. An investment for individual investors that can generate a single portfolio with multiple targets in mind, and can also generate multiple portfolios with the same goal for easy comparison and comparison. It is an object of the present invention to provide a target achievement portfolio generation device suitable for a management proposal system or the like, and a program and method used therefor.

In order to achieve the above object, a goal attainment portfolio generation apparatus of the present invention is an information processing apparatus that generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information. means for selectably displaying list information of a plurality of products and/or services, which are the goals of asset management, as predetermined target information selectable by the customer through an input operation on a terminal; means for inputting a target amount and target achievement schedule information for a product and/or service selected from the target information as predetermined information that can be answered; portfolio generation display means for generating portfolio information consisting of a plurality of financial instruments based on risk tolerance and predetermined risk determination data , and visually displaying the portfolio information on the customer terminal; said target amount and target selected and answered by input operation of said customer terminal for a single asset management plan information indicating an investment and/or consumption plan for the product and/or service selected as said asset management goal The asset management plan information is generated based on the achievement schedule information, and the asset management plan information indicates an asset management plan obtained by subtracting the target amount of the goal from the target achievement time of the set goal of the asset management.

Further, the present invention can be configured as a goal achievement portfolio generation program executed by the goal achievement portfolio generation device of the present invention as described above.
Furthermore, the present invention can also be configured as a goal achievement portfolio generation method that can be implemented by the goal achievement portfolio generation device and program according to the present invention as described above.

According to the present invention, it is possible to generate a single portfolio assuming a plurality of targets as specific targets/goals of asset management.
In addition, it is possible to generate a plurality of portfolios for the same target and easily compare and contrast them.
As a result, it becomes possible to provide an investment management proposal system, etc., especially for individual investors, which flexibly responds to various needs of investors.

1 is a block diagram showing the configuration of a system including a target achievement portfolio generation device according to one embodiment of the present invention; FIG. It is a flowchart which shows the procedure of portfolio production|generation in the goal achievement portfolio production|generation apparatus which concerns on one Embodiment of this invention. FIG. 10 is an example of a display screen generated and displayed when generating a portfolio in the goal achievement portfolio generation device according to one embodiment of the present invention, and is a screen that presents the user with a selectable goal list that is a specific goal of asset management. be. FIG. 3 is a screen that selectably presents a more specific goal list belonging to the category (real estate) selected from the goal list, following FIG. This is a screen for inputting the target amount and target achievement schedule for the goal selected by the user, following FIG. This is a screen following FIG. 5 that displays the input target amount and target achievement schedule so that the user can check it, and also presents the user with the option of adding or deleting the target. FIG. 6 is a screen after returning to the goal list similar to FIG. 3 when adding a goal is selected, following FIG. FIG. 7 is a screen that selectably presents a more specific goal list belonging to the category (automobile) selected from the goal list, following FIG. This is a screen for inputting the target amount and target achievement schedule for the goal additionally selected by the user, following FIG. FIG. 9 is a screen that displays the target amount and the target achievement schedule that have been input for the added goal so as to be able to be confirmed, and further presents the addition/deletion of the goal in a selectable manner. Following FIG. 10, this is a display screen for inputting hearing information to the user, and is a screen for answering the age and sex of the user. Following FIG. 11, this is a display screen for prompting the user to input hearing information, and is a screen for prompting the user to answer the initial investment amount. Following FIG. 12, this is a display screen for prompting the user to input hearing information, and is a screen for prompting the user to answer the amount of monthly installment investment. Following FIG. 13, this is a display screen for prompting the user to input hearing information, and is a screen for prompting the user to answer the period during which funds are to be managed. Following FIG. 14, this is a display screen for prompting the user to input hearing information, and is a screen for prompting the user to answer the ratio of the investment amount to the financial assets held. This is a screen following FIG. 15 for allowing the user to select risk tolerance for asset management. FIG. 3 is an explanatory diagram showing risk determination data used in the goal achievement portfolio generation device according to one embodiment of the present invention, where (a) is a definition table for risk determination, and (b) is the definition table shown in (a). It is an example of trial calculation of risk tolerance performed based on. FIG. 11 is an explanatory diagram showing other risk determination data used in the goal achievement portfolio generation device according to one embodiment of the present invention, and (a) shows the recommended portfolio specified by the assumed operation (risk tolerance) and the operation period; Table, (b) is a table showing correction values for the recommended portfolio identified in (a). Fig. 10 is an example of a display screen generated and displayed when generating a portfolio in the goal achievement portfolio generation device according to one embodiment of the present invention, showing an investment plan generated based on target information and hearing information input by a user; be. 20 is a screen presenting a portfolio corresponding to the investment plan presented in FIG. 19; 20 is a screen presenting another investment plan generated by changing the risk tolerance of the investment plan presented in FIG. 19. FIG. 21 is a screen presenting a portfolio corresponding to the investment plan presented in FIG. 20; It is an example of a display screen generated and displayed at the time of portfolio generation in the target achievement portfolio generation device according to one embodiment of the present invention, and is a screen showing the entire investment plan currently in operation. FIG. 24 is a screen displaying a portfolio corresponding to the currently operating investment plan displayed in FIG. 23. FIG. FIG. 24 is a screen showing the current achievement rate for one target (real estate) currently in asset management displayed in FIG. 23 ; FIG. Similar to FIG. 23, this screen shows the current achievement rate of another target (automobile) currently being managed. It is an example of a display screen generated and displayed at the time of portfolio generation in the goal achievement portfolio generation device according to one embodiment of the present invention. This is a screen for displaying a list of items that are being temporarily saved. FIG. 28 is a screen displaying a list of current achievement rates corresponding to the target plan corresponding to FIG. 27; FIG. It is an example of a display screen generated and displayed when generating a portfolio in the goal achievement portfolio generation device according to one embodiment of the present invention, and is a screen displaying a list of notification information for the user. An example of a display screen generated and displayed when a portfolio is generated in the target achievement portfolio generation device according to one embodiment of the present invention, showing a list of information provided by a sales company corresponding to target information registered by a user. is. It is an example of a display screen generated and displayed at the time of portfolio generation in the goal achievement portfolio generation device according to one embodiment of the present invention, and shows an example of a case where the customer terminal according to the present invention is a smart phone.

Hereinafter, embodiments of a target achievement portfolio generation device according to the present invention will be described with reference to the drawings.
Here, the goal achievement portfolio generation device of the present invention described below is realized by processing, means, and functions executed by a computer according to instructions of a program (software). The program can send instructions to each component of the computer to cause it to perform predetermined processes, functions, etc. according to the present invention described below. That is, each processing, means, and function in the present invention are realized by concrete means in which a program and a computer cooperate.

All or part of the program is provided by, for example, a magnetic disk, optical disk, semiconductor memory, or any other computer-readable recording medium, and the program read from the recording medium is installed in the computer and executed. be. Also, the program can be directly loaded into a computer and executed through a communication line without using a recording medium. Further, the goal achievement portfolio generation device according to the present invention can be configured by a single information processing device (for example, one personal computer, etc.), or a plurality of information processing devices (for example, a plurality of server computer groups, etc.). can also be configured with

[System configuration]
FIG. 1 shows a system configuration including a target achievement portfolio generation device according to one embodiment of the present invention.
The system provided with the target achievement portfolio generation device according to one embodiment of the present invention shown in the figure includes an investment management support server 10, an investment management application 21/financial institution system 22 provided in a financial institution 20, and a customer terminal 30. , a sales company device 41 provided in a sales company 40, and an investment management proposal system 1 provided with a financial institution core system 50. FIG.
The investment management support server 10, financial institution 20 (investment management application 21 and financial institution system 22), customer terminal 30, sales company 40 (sales company device 41), and financial institution backbone system 50, which constitute the investment management proposal system 1, For example, they are connected so as to be able to communicate with each other via a predetermined network such as the Internet.

[Investment management support server 10]
The investment management support server 10 is composed of an information processing device serving as a goal achievement portfolio generation device according to the present invention that generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information. .
Specifically, the investment management support server 10 can be configured by, for example, one or more server computers, a server system including one or more virtual servers constructed on a cloud computing service, or the like.
The investment management support server 10 is provided with an OS (Operating System) and a DBMS (DataBase Management System) (not shown), and is operated as a server computer.

The investment management support server 10 is provided with an investment management API 11 implemented as software running on middleware such as a web server program.
The investment management API 11 publishes available applications in the form of an API (Application Programming Interface) to one or more financial institutions 20 (20a, 20b, . . . 20n) via a network such as the Internet. offer.
Accordingly, in each financial institution 20, an investment management application 21 (21a, 21b . . . 21n), the function of the goal achievement portfolio generation device according to the present invention can be executed by calling the investment management API 11. FIG.

The investment management support server 10 also includes an investment management support data warehouse (DWH) 12 implemented as a database or the like.
The investment operation support DWH 12 is storage means for acquiring and accumulating predetermined information required for operation of the goal achievement portfolio generation device according to the present invention.
Specifically, the investment management support DWH 12 uses various information resources such as information on investment products sold by each financial institution 20, user attribute information of the financial institution 20, account transaction history information, and access history information. etc. are stored.

Further, the investment management support DWH 12 stores predetermined information necessary for implementation and operation of the investment management API 11 described above, and necessary information is read, stored, and updated at any time as the investment management API 11 is executed. be.
Specifically, information on the portfolio prepared by the financial institution 20 according to the risk level is stored and held in the investment management support DWH 12 as information for each financial institution.
In addition, risk determination data and risk correction data corresponding to one or more portfolios, which will be described later, are also stored and held in the investment management support DWH 12 as information for each financial institution (see FIGS. 17 and 18).

The information accumulated in the investment management support DWH 12 in this way is stored in the financial institution system 22, which is an information processing system of the accounting/information system of the financial institution 20, or in the case of multiple financial institutions 20. From the financial institution backbone system 50 that provides a system/information information processing system, it is possible to periodically extract by daily processing and the like, acquire and accumulate in the investment management support DWH 12 (see FIG. 1).
Also, if the financial institution 20 does not have its own information processing system or external core system that can be linked, it is possible to manually register and accumulate various types of information in the investment management support DWH 12, for example. In addition, it is also possible to acquire and accumulate track record information such as past price movements and ratings for each issue from, for example, an external data source. Furthermore, the information accumulated in the investment management support DWH 12 can be obtained and referred to by other programs (for example, the investment management application 21 of the financial institution 20) via the investment management API 11. FIG.

Specifically, the investment management API 11 provided in the investment management support server 10 as described above includes, as shown in FIG. It is configured to function as means 16 .
The target display means 13 is a means for displaying predetermined target information that can be selected by a user or the like through an input operation.
The hearing display means 14 is a means for displaying predetermined hearing information that can be answered by a user or the like by an input operation.

Portfolio generation display means 15 is a means for generating predetermined portfolio information based on the above target information and hearing information selected and answered by an input operation, and visually displaying it on the display means on the user side. In particular, the portfolio generation display means 15 can generate portfolio information that proposes a single asset management corresponding to a plurality of target information selected by the user or the like.
Here, the “portfolio information” according to the present invention is asset management information presented to the user for asset management. , refers to graphs, tables, etc. that show combinations and ratios of financial products when assets are distributed and invested in multiple financial products (see FIGS. 19 to 22, etc.).

The customer information transmission means 16 sends data to a sales company device 41 of a sales company 40, which will be described later, as an external device related to at least one of a plurality of pieces of target information included in the portfolio information generated by the portfolio generation and display means 15. , means for transmitting predetermined information related to the user or the like related to the generated portfolio information.
Specific functions and operations of each means realized by the investment management API 11 will be described later with reference to display screen examples output and displayed on the client terminal 30 (see FIGS. 2 to 31).

[Financial institution 20, financial institution core system 50]
The financial institution 20 is, for example, a financial institution/investment corporation such as a bank or securities company, and includes an information processing device connected to the investment management support server 10 for data communication. 21 has been implemented and is in operation.
In the example shown in FIG. 1, a plurality of financial institutions 20a, 20b, .
Each financial institution 20 can execute an application provided by the investment management API 11 of the investment management support server 10 via the investment management application 21 . As a result, each financial institution 20 invests through an investment management application 21 (21a, 21b, . The operation API 11 can be called to execute the functions of the goal achievement portfolio generation device according to the present invention.

In addition, each financial institution 20 has its own financial institution system 22 or uses an external financial institution core system 50 to obtain information on investment products sold by each financial institution 20 and user attributes of the financial institution 20. information, account transaction history information, access history information, etc. are stored and managed.
In the example shown in FIG. 1, financial institution A 20a and financial institution B 20b are provided with their own financial institution system A 22a and financial institution system B 22b, respectively, and financial institution N 20n is provided with an external financial institution backbone system 50.

The financial institution system 22 and the financial institution core system 50 are configured as an accounting/information information processing system of the corresponding financial institution 20 .
In addition, the financial institution backbone system 50 is, for example, a huge information system company owned by a so-called system integrator that undertakes the operation of the data systems of one or more financial institutions in response to outsourcing from the financial institutions. Configured and operated by a group of server systems. As such a financial institution backbone system 50, for example, a backbone securities system (STAR (registered trademark)) operated by Nomura Research Institute, Ltd., a bank financial product intermediation system (BESTWAY (registered trademark)), etc. are known. It is

[Customer terminal 30]
The customer terminal 30 is an information processing device that can be used by the user (customer/investor) of the financial institution 20 described above. It consists of a PC and a dedicated terminal device installed in the
The user operates the customer terminal 30 to access and activate the investment management application 21 (21a, 21b...21n) provided by each financial institution 20 (20a, 20b...20n). The investment management API 11 of the investment management support server 10 can be called via the application 21, and functions/services provided by the goal achievement portfolio generation device according to the present invention can be executed and used.

As described above, the user according to the present embodiment uses the customer terminal 30 to access the investment management application 21, which is a web application or the like provided by the financial institution 20 used by the user via the Internet or the like. Construction and operation services can be used.
However, it is not limited to such a configuration of the present embodiment. Alternatively, in this case, the investment management application 21 of the customer terminal 30 accesses the investment management support server 10 via the investment management server of each financial institution.
Alternatively, for example, a user may introduce an application corresponding to the investment management application 21 into an information processing terminal such as a personal computer owned by the user, directly access the investment management support server 10 without going through the financial institution 20, and provide a portfolio construction service. can also be made available.

[Sales Company 40]
The sales company 40 is, for example, a real estate company, an imported automobile dealer, a condominium developer, or a company that provides and sells products and services that serve as the goals and goals of asset management. A sales company device 41 is provided as an information processing device to be connected.
In the example shown in FIG. 1, a plurality of sales companies 40a, 40b, . . . , 40n are provided with sales company devices 41a, 41b, .

Then, for each sales company 40, from the investment management support server 10, the sales company device of the sales company 40 related to a plurality of target information included in the portfolio information generated by the portfolio generation display means 15 of the investment management API 11. 41, predetermined information relating to users and the like related to the generated portfolio information is transmitted.
For example, when a user whose goal is to purchase real estate or an imported car in the future creates a portfolio for achieving the goal to the investment management support server 10, the information of the user is transferred to the corresponding real estate company or The information is transmitted/notified to the sales company device 41 of the sales company 40, which is an automobile dealer, and information such as the user's name, address, telephone number, e-mail address, target product, target amount, and target target amount is provided. .

As a result, the sales company 40 that receives such user information can carry out promotional activities such as advertising for the user (see FIG. 30).
It should be noted that such transmission/provision of user information to the sales company 40 is executed after obtaining the permission/approval of the user in advance.
In addition, the user's information provided to the sales company 40 can be selected and set by the user so that only specific information (e.g., e-mail address) can be provided, and important information such as addresses and telephone numbers are not provided. It is something that can be done.

[motion]
Next, the specific operation of the system including the goal achievement portfolio generation device according to the present embodiment configured as described above (goal achievement portfolio generation method) will be described with reference to FIGS. 2 and 3 to 31. .
FIG. 2 is a flow chart showing an example of the operation of the system provided with the goal achievement portfolio generation device according to this embodiment.
The operations described below are the investment management API 11 (target display means 13, hearing display means 14, portfolio generation display means 15, customer information transmission means 16) read from the client terminal 30 via the investment management application 21 and the investment management support DWH. Executed and operated by

First, the user operates the customer terminal 30 to access the investment management application 21 (21a, 21b...21n) provided by the financial institution 20 (20a, 20b...20n) with which the user conducts transactions. In this case, the user can log in to the investment management application 21 by entering the user ID and password assigned to the user.
Then, the investment management API 11 of the investment management support server 10 is called through the logged-in investment management application 21, and the functions/services provided by the target achievement portfolio generation device according to the present invention can be used as follows. can.

As shown in FIG. 1, a goal list is displayed as goal information according to the present invention on the client terminal 30 logged into the investment management application 21 (step 01).
As this goal list, for example, a display screen as shown in FIG. 3 is presented.
In the example shown in the figure, seven items of real estate, automobiles, travel, hobbies, life events, retirement, and savings are displayed as target information selectable by the user through input operations on the customer terminal 30 . Therefore, the user can select any of the target information as a goal corresponding to the target/objective of own asset management (step 02).

When one of the goals (goal information) is selected according to the user's input operation, as shown in FIG. 4, a more specific goal list belonging to the selected category is presented in a selectable manner.
In the example shown in FIG. 4, when the user selects "real estate" from the goal list shown in FIG. 3, as more specific real estate, 8 items such as condominiums, detached houses, and villas according to price and location are displayed. It's like Therefore, the user can select any piece of real estate information as a more specific target/goal of own asset management (step 02).

When a specific goal (real estate) is selected according to the user's input operation, next, as shown in FIG. 5, a screen for setting numerical targets for the selected goal is displayed (step 03 ).
In the example shown in FIG. 5, when the user selects the goal of "apartment/in Tokyo/50 million yen" from the screen of FIG. A screen for inputting the target amount and target achievement schedule is displayed. Here, an example is shown in which the user inputs "target amount: 10 million yen" and "target achievement schedule: 8 years and 0 months".
Selection buttons (icons) of "add target" and "determine" are displayed in the lower column of the display screen, and subsequent processing is executed according to the user's input operation.

When the user enters the target amount and target achievement schedule items and selects "Confirm", as shown in FIG. A screen is displayed that presents a selectable deletion.
Specifically, a "delete" selection button (icon) is displayed in the rightmost column of the displayed target amount and target achievement schedule, and according to the user's input operation, the target information that has already been entered is deleted. be able to.
In addition, selection buttons (icons) such as "Add target" and "Proceed to investment plan with this target" are displayed at the bottom of the display screen, and subsequent processing is executed according to the user's input operation. It's becoming Accordingly, the user can arbitrarily add a target based on his or her own selection and judgment, and can proceed to subsequent processing for creating an investment plan after setting the target.
Here, a case where the user selects "add target" will be described.

When the user selects "add target" on the screen of FIG. 6, a screen is presented again in which a plurality of target information are displayed in a selectable manner, as shown in FIG. The screen of FIG. 7 is the same as the screen of FIG. 3 described above.
Therefore, the user can select any target information as an additional target/goal (step 02). For example, the user can again select "real estate" as an additional goal (see FIGS. 3 and 4), or select another goal.
Here, a case where the user selects "automobile" as the second target will be described.

When a goal (automobile) is selected according to the user's input operation, as shown in FIG. 8, a more specific goal list belonging to the selected category is presented in a selectable manner.
In the example shown in FIG. 8, the user selects "automobile" from the goal list shown in FIG. 7 (FIG. 3). It looks like the car is showing up. Therefore, the user can select information on any car as his own target/goal (step 02).

When "automobile" is selected as a specific goal according to the user's input operation, next, as shown in FIG. 9, similarly to the case of FIG. 5 described above, a numerical target for the selected goal is set. A screen for doing so is displayed (step 03).
In the example shown in FIG. 9, when the user selects the goal "Mercedes-Benz C-class C450AMG4MATIC X780,000 yen" from the screen of FIG. A screen for inputting the target amount and target achievement schedule for (automobile) is displayed. Here, an example is shown in which the user inputs "target amount: 2,000,000 yen" and "scheduled target: 4 years and 0 months."

When the user inputs the target amount and the target achievement schedule and selects "Confirm", as shown in FIG. A screen is displayed that presents a selectable deletion.
Here, a plurality of target information are displayed in parallel on the same screen so that the first target information (real estate) and the second target information (automobile) selected and input earlier can be confirmed. .
At this stage, as in the case of FIG. 6 described above, the user performs an input operation to "delete" the goal information that has already been entered, and also to "add a goal" or "add a goal" in the lower column of the display screen. You can select Proceed to investment plan with this goal.

Here, a case where the user selects "Proceed to investment plan with this goal" will be described.
When the user selects "Proceed to investment plan with this goal", one or two or more target information already input/set (in the above example, two target information of "real estate" and "automobile") - It is registered as a common goal (step 04).
This registered information is stored and held as information for each user in the investment management support DWH 12 of the investment management support server 10 via the customer terminal 30 and the investment management application 21 .

Therefore, the user who has registered the target information can read, refer to, process, and change one or more target information set/registered by him/herself at an arbitrary timing thereafter.
It should be noted that the user can also perform only goal registration of the target information (step 04). In that case, it becomes unnecessary to return to step 01 (FIG. 2) shown in FIGS.
Also, in that case, the target information registered in the past can be read out and used in order to generate an investment plan or portfolio at a later date.

When the target information is registered (step 04) and the subsequent investment plan/portfolio generation processing is to proceed, the customer terminal 30 stores a plurality of information to which the user can respond by input operation as hearing information according to the present invention. display screen is displayed.
A hearing for investment is conducted by the user making an answer by an input operation according to this display screen (step 05).
The hearing information for the user to answer is, for example, the user's age, gender, initial investment amount, monthly accumulated investment amount, risk tolerance, and other personal attribute information.・It will be collected.

Specifically, in this embodiment, display screens shown in FIGS. 11 to 16, for example, are presented as hearing information display screens. These multiple screens transition to the subsequent screen when the answers to the hearing information on the preceding screen are entered and completed. It is now possible to return to the screen.
First, on the screen shown in FIG. 11, a screen for asking the user's age and sex is displayed.
11 is given and "Next" is selected, the screen shown in FIG. 12 is displayed to prompt the user to answer the initial investment amount.

After answering the questions on the screen of FIG. 12 and selecting "Next", the screen shown in FIG. 13 displays a screen for asking the amount of money to be invested every month.
13 is made and "Next" is selected, the screen shown in FIG. 14 is displayed to prompt the user to answer the period for fund management.
After answering the questions on the screen of FIG. 14 and selecting "Next", the screen shown in FIG. 15 displays a screen for asking the ratio of the investment amount to the owned financial assets.
In the example shown in FIG. 15, the investment amount assumed by the user is one of five values of 10% or less, 30% or less, 50% or less, more than 50%, or 100% of the financial assets held by the user. can be selected.

That is, in the present embodiment, the user is asked to answer whether the investment fund to be calculated and managed using this system is 50%, 10%, or 100% of the financial assets held by the user. . By answering this, you can change the risk tolerance described later. For example, if it is "100%", it will be all the financial assets of the user, so it is better not to venture too much and set the risk tolerance low. On the other hand, if it is "10%", it can be considered that it is acceptable to take some risks, and it is possible to make a judgment that the risk tolerance is set high.
In addition, by making such an answer, it is possible to estimate and grasp how much other financial assets the user has. It will be possible to provide services and proposals such as encouraging an increase in the amount of

After answering the questions on the screen of FIG. 15 and selecting "Next", the screen shown in FIG. 16 displays a screen prompting the user to select risk tolerance for asset management.
In the example shown in FIG. 16, five risk levels A to E are presented as the user's permissible risk level (tolerance), and one of them can be selected.
In this example, the upper and lower limits of investment profit and loss when investing 1 million yen for one year are shown for each risk level A to E. A is the case of the lowest risk and low return, and E is the highest risk.・This is a case of high return.
Then, different portfolios are applied corresponding to the risk levels of A to E, respectively.

That is, in this embodiment, a plurality of portfolios are prepared according to risk levels. In addition, the risk level (portfolio) can be arbitrarily set to, for example, 5 levels, 10 levels, 20 levels, etc., and can be prepared or changed for each financial institution 20 .
Preferably, each financial institution 20 individually prepares a plurality of portfolios that match the risk level, and sends the information to the investment management support DWH of the investment management support server 10 via the financial institution system 22 and the financial institution core system 50. stored and retained in
The portfolio may be one fund, or may be composed of a plurality of funds like a fund wrap. Others such as Bitcoin and real estate may be used as long as they have a return commensurate with the risk.

Then, in the present embodiment, based on the risk level (tolerance) selected/accepted by the user and hearing information answered by the user, a recommended portfolio that is the optimal investment plan for the user from among a plurality of portfolios. is extracted and determined.
Here, we will explain how to determine the risk level (tolerance) and the recommended portfolio.
FIG. 17 is an explanatory diagram showing risk determination data used in the goal achievement portfolio generation device according to one embodiment of the present invention, (a) is a definition table for risk determination, (b) is It is an example of trial calculation of risk tolerance carried out based on the definition table shown.
As shown in FIG. 17(a), the risk level is based on hearing information obtained from the user, such as the user's age, gender, initial capital, monthly reserve fund, investment core, total assets held, expected investment results (risk tolerance Based on the portfolio type), it is possible to allocate predetermined points as allocation points.

Then, based on such a definition table, it is possible to calculate and determine the recommended risk tolerance of each user.
Specifically, as shown in FIG. 17B, for example, the user in question is in his or her 30s, gender: male, initial capital: less than 1,000,000 yen, monthly reserve: less than 10,000 yen, operation period: Within 3 years ・ Total assets held: 1 million yen or more and less than 5 million yen ・ Assumed investment result (risk tolerance): If portfolio D, the total score will be “55”, and the judgment result (risk Tolerance) can be assigned "5". Therefore, the portfolio corresponding to the risk tolerance of "5" can be presented to the user as a recommended portfolio.

It should be noted that it is possible to freely set what kind of determination result (risk tolerance) is assigned to the total points allocated based on the determination table as described above.
For example, depending on the number and type of portfolios prepared for each financial institution, the risk level may be "5", "10", or "20". Depending on the situation, the method of calculating the risk level from the total score can be freely determined.

A recommended portfolio can also be selected using data such as that shown in FIG.
FIG. 18 is an explanatory diagram showing other risk determination data used in the goal achievement portfolio generation device according to one embodiment of the present invention, where (a) is specified by the assumed operation (risk tolerance) and the operation period. (b) is a table showing correction values for the recommended portfolio identified in (a).
In the example shown in FIG. 18(a), one of portfolios 1 to 10 can be extracted and specified from the assumed investment A to E (risk tolerance) selected by the user and the investment period assumed by the user. It has become. Portfolios 1 to 10 shown here are assigned portfolios in which the risk increases as the number increases, and "1" is the lowest risk (low risk/low return) portfolio, "10" is the portfolio with the highest risk (high risk, high return).
Note that although the user-selected assumptions A to E (risk tolerance) are used here, it is also possible to use a list consisting of the risk tolerance and the management period required in FIG. 17(b) described above instead. is.

Then, as shown in FIG. 18(b), the portfolio specified in this way is multiplied by a correction value, for example, for each gender and age of the user and for each investment ratio in all assets. It is designed to extract the final recommended portfolio.
For example, for a user with gender age: male in his thirties, assumed investment (risk tolerance): D, investment ratio to total assets held: 25-50%, portfolio "5" is extracted by FIG. are multiplied by correction values "+1" and "0" according to FIG. 18B, and the portfolio of "6" can be presented as the recommended portfolio.
It should be noted that it is possible to flexibly set and change items for which the risk tolerance is corrected and question contents as shown in FIG. 18(b).
Further, the data table for determining the risk tolerance/recommended portfolio as described above can be created for each financial institution and stored in the investment management support DWH 12 of the investment management support server 10 in advance.

Then, an investment plan/portfolio based on the recommended portfolio selected as described above is generated and displayed as an investment & consumption plan proposed to the user (step 06).
Portfolio information including an investment plan/portfolio is generated by the portfolio generation display means of the investment management API 11 .
FIG. 19 is a screen for presenting an investment plan generated based on the target information and hearing information input by the user. 10,000 yen totaling 12 million yen, the target is scheduled to be achieved in February 2024, 8 years and 0 months from the present time, initial investment amount: 4 million yen, monthly investment amount: 50,000 yen, risk level: for users with 3 The content is recommended and suggested by

As is clear from FIG. 19, the investment plan, which is the portfolio information generated and presented in this embodiment, shows a single asset management plan for a plurality of goals (real estate and automobiles). Specifically, assets have been increasing for four years since the start of operation, and in February 2020, four years later, assets will temporarily increase due to the purchase of a car, which is one of the multiple goals. It is shown that the target amount of 10 million yen for the purchase of real estate, which is another goal, can be achieved in February 2022, about two years earlier than the final target achievement schedule. there is
In this way, by generating and presenting a single (common) investment plan for a plurality of specific targets/goals set by the user, the user can present a simple and easy-to-understand future asset management plan. Incentives for investment and asset management will be enhanced.

Also, the portfolio corresponding to the investment plan shown in FIG. 19 can be displayed (step 07).
Specifically, by selecting and operating the selection button (icon) labeled "portfolio" in the lower right column of the investment plan display screen shown in FIG. A portfolio showing the diversified investment ratio, etc. of financial products is displayed. As a result, the user can display and confirm specific investment allocation ratios and the like for asset management presented in the investment plan in an easy and understandable manner.

Based on the investment plan/portfolio presented as described above, actual purchase instructions and simulations can be performed (step 08).
The purchase instruction is sent from the investment management support server 10 to the financial institution system 22 of the financial institution 20 and the financial institution backbone system 50 (the above-mentioned securities backbone system, bank financial product intermediary system, etc.) as a message on the system. By doing so, you can issue a purchase instruction.

In addition, the simulation is a virtual investment management based on the generated investment plan/portfolio without actually spending money, that is, without issuing the purchase instruction.
The setting contents (scenario) for simulation and actual investment management are registered and saved in the investment management support DWH of the investment management support server 10 .
Therefore, it is possible to switch what was managed in simulation to actual investment management, and it is also possible to exchange what is actually managed in investment and what is managed in simulation.

Furthermore, the registered and saved scenario can be duplicated and used to generate another investment plan/portfolio. For example, the user can modify the content of the duplicated scenario as appropriate to change the plan, such as changing only the risk tolerance or changing the target achievement period.
Specifically, for example, if Scenario 1 and Scenario 2 created in March 2016 (a scenario in which a different portfolio is proposed because the risk tolerance differs from Scenario 1), Although Scenario 1 was selected, when the user compared two years later in March 2018, Scenario 2 was superior and the target had already been reached. It is possible to operate by switching from scenario 2 to scenario 2. Further, in the above case, it is possible not only to completely switch from scenario 1 to scenario 2, but also to shift half of the investment assets to scenario 2 while leaving half of the investment assets in scenario 1.
It is also possible to present and disclose such investment plans/portfolios to others other than the user.

For example, based on the investment plan/portfolio scenario shown in FIGS. 19 and 20, only the risk tolerance can be changed.
Specifically, FIG. 21 shows the investment plan shown in FIG. 19 regenerated by changing the risk tolerance from "3" to "5". By changing the risk tolerance from "3" to "5", the investment risk increases, but the period to achieve the goal is shortened. Also, FIG. 22 is a screen presenting a portfolio corresponding to the investment plan shown in FIG.
Such risk tolerance can be changed by operating an input device such as a mouse to slide the risk level displayed in the lower left column of the display screens of FIGS. You can change and adjust the degree.

In this way, in the present invention, it is possible to generate a plurality of pieces of portfolio information with different asset management contents as portfolio information that proposes a single asset management corresponding to a plurality of target information selected by the user. .
Also, according to the user's input operation, already generated portfolio information can be regenerated as other portfolio information with different asset management details.
Furthermore, already generated portfolio information can be copied for generating other portfolio information.
Therefore, the user can change the contents of a plurality of portfolios for the same goal by changing, for example, the risk tolerance for the goal once set, and by comparing and examining them, It will be possible to review the plan, etc.

In addition, in this embodiment, the investment plan/portfolio currently in operation can be generated and displayed at any time.
FIG. 23 is a screen showing the overall investment plan currently in operation, in which investment management has actually started, based on the investment plan/portfolio generated with the same content (scenario) as in FIGS. 19 and 20 described above. .
FIG. 24 is a screen displaying a portfolio corresponding to the investment plan currently in operation displayed in FIG.
25 and 26 are screens showing the current achievement rate of one target currently being managed as shown in FIG. 23, FIG. It shows the achievement rate.

Furthermore, for the investment plan/portfolio currently under management, a simulation is performed by changing only the risk tolerance, for example, as described above, and the portfolio and investment plan resulting from the simulation are converted to the portfolio currently under management and the investment plan. It can also be compared and contrasted with the investment plan.
FIG. 27 is a screen that displays a list of currently operating, simulating, and temporarily saved scenarios registered and saved as target plans input and set by the user for a given user. .
FIG. 28 is a screen displaying a list of current achievement rates of the target plans being operated, being simulated, and being temporarily saved corresponding to FIG. 27 .

In this manner, in this embodiment, not only is the recommended investment plan/portfolio presented, but also the data under actual operation and the simulation data are generated and displayed at the same time so that comparison and contrast can be performed. It has become.
As a result, for example, it becomes possible to exchange what is actually being invested and what is being simulated.
Thus, in the present invention, a plurality of pieces of portfolio information with different asset management contents can be generated as information that can be displayed on the same screen on the display means of the user's customer device 30 side.
This makes it possible to check the current operation details at any time, to easily change or review the plan, and to take flexible measures according to the current situation and trends of market conditions and prices.

Further, in the present embodiment, for the sales company device 41 of the sales company 40 associated with at least one of the plurality of target information (real estate, automobiles, etc.) included in the portfolio information generated as described above, the portfolio The user's predetermined information related to the information is transmitted.
Here, as for the transmission timing of the predetermined information to the sales company apparatus 41 of the sales company 40, the user can transmit the predetermined information at an arbitrary timing, or when the degree of achievement of the target information or the operation result for the current target reaches a predetermined threshold value. can.
In addition, the sales company 40 not only receives the user's predetermined information, but also accesses this system, extracts users corresponding to the search conditions, and sends advertisements to the extracted users. It may be configured to allow transmission (however, information that can identify the user is not output).

As a result, the sales company 40 can quickly obtain information on users who are considering purchasing real estate or users who are considering purchasing a new car, for example, and can effectively conduct advertisements and the like for the users. can be done.
For example, a car sales company that is about to make a major change of a certain type accesses this system, and users who set targets for the corresponding type of car model and/or similar car models It is also possible to add conditions) can be extracted. As a result, the user can be notified of the price change of the car due to the major change. In addition, some users may reach the current operation amount due to price change, and it is possible to automatically change the target amount.
29 and 30 show an example of services and information provided to users of this system, and FIG. 30 shows a screen displaying a list of information provided by sales companies corresponding to the target information registered by the user.

The transmission of the user information to the sales company apparatus 41 of the sales company 40 is performed after obtaining the user's approval/approval, for example, at the timing of the goal registration when the above-mentioned investment plan/portfolio information is generated (FIG. 2: step 04). , the information can be transmitted from the customer information transmitting means 16 of the investment management support server 10 to the sales company device 41 of the relevant sales company 40 .
In addition, the offers such as advertisements from the sales company 40 can be made in any mode of goal registration (FIG. 2: step 04), simulation (FIG. 2: step 08), and actual investment management (FIG. 2: step 08). Also, an offer can be notified from the sales company 40, which is a product provider, according to the content of the goal selected by the user.
Here, the offers from the sales company 40 include notifications (latest information, events, etc.) and benefits (discount coupons, campaigns, etc.) from the sales company 40, which is the product provider.

In the present embodiment described above, as an example of the display screen (FIGS. 3 to 17, 19 to 30) output and displayed on the customer terminal 30 side, a relatively large screen display means such as a PC display is used. is displayed.
However, the display screen generated and displayed in the present invention can of course be displayed on display means with a relatively small screen, such as the display means of a mobile phone or smart phone.
FIG. 31 shows an example of a display screen when the customer terminal 30 is a smart phone.
In this way, it is possible to use the functions operated by the target achievement portfolio generation device according to the present invention anytime, anywhere, even on a small mobile terminal, etc., which is more convenient and useful for the user. It becomes possible to provide asset management services.

As described above, according to the present embodiment, the investment management API 11 operated by the investment management support server 1 constituting the goal achievement portfolio generation device according to the present invention can be executed via the investment management application 21 of the financial institution 20. It is provided so that it can be displayed and used on the customer terminal 30 on the user side.
Then, the user sequentially selects one or more display items according to the display contents of the investment management application 21 displayed on the customer terminal 30, and inputs answers to the hearing information, thereby setting his or her own asset management goals.・It is possible to generate, display and output a single portfolio assuming multiple targets corresponding to goals.
Unlike abstract asset management plans and portfolios that do not have specific goals, this will present a realistic portfolio that is built toward the specific goals that you want to achieve, which will enable you to move forward into the future. The dreams and pleasures of people will expand greatly, the desire to invest will be stimulated, and the incentive for further investment and asset management will be enhanced.

In addition, portfolios corresponding to specific goals can be generated by changing the content of multiple portfolios for the same goal, for example, by changing the risk tolerance, etc., and they can be easily compared and contrasted. Equally, it can be considered.
Therefore, it is possible to review the plan based on the latest analysis data, etc., even for asset formation currently in operation, for example, and it is possible to provide it as an investment management proposal system that is highly convenient and useful for users. can.
In this way, according to one embodiment of the goal achievement portfolio generation device according to the present invention, it is possible to flexibly respond to various needs of various investors.・It can be realized as a FinTech that can propose suitable investment management to individual investors who desire systematic asset management.

Although the preferred embodiments of the present invention have been described above, it goes without saying that the present invention is not limited to the above-described embodiments, and that various modifications can be made within the scope of the present invention.
For example, in the above-described embodiment, seven items of real estate, automobiles, travel, hobbies, life events, retirement, and savings are selected as target information according to the present invention in the target/goal display selection items that serve as the entry point for portfolio generation. Although displayed and provided, this is only an example, and the target information can be changed, added, or decreased in addition to these. In addition, sales companies can also be changed, added, or reduced in accordance with this.

Similarly, the hearing information to be answered by the user is not limited to the above-described embodiment, and necessary hearing information can be arbitrarily set and changed.
Further, the display screens that can be displayed/browsed on the customer terminal shown in the above embodiment are only examples, and it goes without saying that the configuration and contents of the screens can be arbitrarily set/changed.

INDUSTRIAL APPLICABILITY The present invention can be used for an investment management proposal system that assists financial institutions in providing investment advice and proposals to investors.

10 investment management support server 11 investment management API
12 Investment management support DWH
13 Goal Display Means 14 Hearing Display Means 15 Portfolio Generation Display Means 16 Customer Information Transmission Means 20 Financial Institution 21 Investment Management Application 22 Financial Institution System 30 Customer Terminal 40 Sales Company 41 Sales Company Terminal 50 Financial Institution Core System

Claims (9)

An information processing device that generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information,
a means for selectively displaying list information of a plurality of products and/or services that are the goal of asset management as predetermined target information that can be selected by the customer through an input operation on the customer terminal;
a means for displaying a target amount and target achievement schedule information for a product and/or service selected from the target information as predetermined information that can be answered by the customer through an input operation on the customer terminal;
Portfolio generation display means for generating portfolio information consisting of a plurality of financial instruments based on the risk tolerance selected by the input operation of the customer terminal and predetermined risk determination data , and visually displaying the information on the customer terminal. and
The portfolio generation display means,
The target amount and the target achievement schedule selected and answered by the input operation of the customer terminal for a single asset management plan information indicating an investment and/or consumption plan for the product and/or service selected as the asset management goal Generate based on information,
A goal achievement portfolio generation device, wherein the asset management plan information indicates an asset management plan obtained by subtracting a target amount of money for the set target achievement time of the asset management goal. The portfolio generation display means,
2. The goal achievement portfolio generation device according to claim 1, wherein a plurality of portfolio information with different asset management details are generated as portfolio information proposing a single asset management corresponding to the target information selected by the customer. The portfolio generation display means,
3. The goal achievement portfolio generation device according to claim 2, wherein a plurality of pieces of portfolio information with different asset management details are generated as information that can be displayed on the same screen at the customer terminal. The portfolio generation display means,
4. The goal-achieving portfolio according to any one of claims 1 to 3, wherein already generated portfolio information is regenerated as other portfolio information with different asset management details in response to an input operation on the customer terminal. generator. customer information transmission means for transmitting predetermined information about a customer related to the portfolio information to an external device related to at least one of the plurality of target information included in the portfolio information generated by the portfolio generation display means;
The goal achievement portfolio generation device according to any one of claims 1 to 4, characterized in that: The portfolio generation display means,
6. The goal achievement portfolio generation device according to any one of claims 1 to 5, wherein already generated portfolio information is copied for generation of other portfolio information. 7. The goal achievement portfolio generation device according to any one of claims 1 to 6, wherein the goal amount and goal achievement schedule information include customer's personal attribute information. A computer that constitutes an information processing device that generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information,
Means for selectably displaying list information of a plurality of products and/or services that are the goals of asset management as predetermined target information that can be selected by the customer through input operations on the customer terminal;
Means for inputting and displaying a target amount and target achievement schedule information for a product and/or service selected from the target information as predetermined information that can be answered by the customer through an input operation on the customer terminal;
Portfolio generation display means for generating portfolio information consisting of a plurality of financial instruments based on the risk tolerance selected by the input operation of the customer terminal and predetermined risk determination data , and visually displaying the information on the customer terminal. , to act as
In the portfolio generation display means,
The target amount and the target achievement schedule selected and answered by the input operation of the customer terminal for a single asset management plan information indicating an investment and/or consumption plan for the product and/or service selected as the asset management goal Generate based on information,
A goal achievement portfolio generation program, wherein the asset management plan information indicates an asset management plan obtained by subtracting a target amount of the goal from the target achievement time of the set asset management goal. Using a computer that constitutes an information processing device that generates portfolio information that proposes asset management for achieving a goal set by a customer based on input information,
A procedure for selectably displaying list information of a plurality of products and/or services that are the goal of asset management as predetermined target information that can be selected by the customer through input operations on the customer terminal;
A procedure for inputting and displaying a target amount and target achievement schedule information for a product and/or service selected from the target information as predetermined information that can be answered by the customer by input operation of the customer terminal;
A portfolio generation display procedure for generating portfolio information consisting of a plurality of financial instruments based on the risk tolerance selected by the input operation of the customer terminal and predetermined risk determination data , and visually displaying the portfolio information on the customer terminal. , and
In the portfolio generation display procedure,
The target amount and the target achievement schedule selected and answered by the input operation of the customer terminal for a single asset management plan information indicating an investment and/or consumption plan for the product and/or service selected as the asset management goal Generate based on information,
A goal achievement portfolio generation method, wherein the asset management plan information indicates an asset management plan obtained by subtracting a target amount of the goal from a target achievement time of the set goal of the asset management.

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