Asset management advice system and recording medium containing program of the system

• US 7,197,484 B1
• Filed: 08/02/2000
• Issued: 03/27/2007
• Est. Priority Date: 10/26/1999
• Status: Active Grant

• Current Assignee: Goldenchart Company Limited
• Original Assignee: Goldenchart Company Limited
• Inventors: Yuyama, Sumio
• Primary Examiner(s): Fischer; Andrew J.
• Assistant Examiner(s): SHERR, CRISTINA O
• Application Number:
  US09/630,834
• Time in Patent Office: 2,428 Days
• Field of Search: 705 35- 39, 705/40, 705/41, 705/42, 705/43, 705 50- 59, 707/503, 706/62, 713/172
• US Class Current: 705/50
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/10 Tax strategies

Abstract

The present invention provides a net trade advice system in which not only data such as stock prices is presented, but also asset management advice can be obtained as if a user is served by a professional adviser at the window, and transactions can be made.

The present invention provides an asset management advice system that comprises a database storing purchase and sale signals relating to assets to be traded, which signals are calculated based on data such as stock prices, foreign exchange market prices and commodities-futures prices, the amount of remains (such as the amount of issuance of securities and the amount of existence of commodities), and the volume of business (such as trading volume and purchase and sale prices) of assets to be traded. A processing means that produces a suitable investment scenario when a user'"'"'s property information (constraints such as user'"'"'s preference with respect to asset management and capitals) is inputted from a user terminal, and refers to the purchase and sale signals to send management advice data based on the investment scenario to the user terminal, and performs an asset transaction in accordance with a response to the management advice data from the terminal.

Claims

1. An asset management advice system comprising:

a database storing purchase and sale signals relating to assets to be traded in a market; and

a data processing means for both producing a suitable investment scenario when a user'"'"'s property information relative to assets for which a purchase or sale is to be determined is input from a user terminal via a prescribed communication mechanism, referring to the purchase and sale signals to send management advice data based on the investment scenario to the user terminal, the advice being to purchase or sell at least one asset, and said system performing an asset transaction in accordance with the user'"'"'s communicated decision to purchase or sell, wherein, the user can select either a real mode in which the system responds to the user'"'"'s decision by accessing the market to perform real time actual asset transactions via the data processing means, or a virtual mode in which the transactions are performed virtually by said data processing means without making an actual asset transaction in the market, and the results are tracked using actual market results as if an actual transaction had been made in the market.

2. An asset management advice system according to claim 1 wherein, data relating to prices, the amount of remains and the volume of trading of assets to be traded is utilized as parameters for the purchase and sale signals.

3. An asset management advice system according to claim 2 wherein, quantitative data relating to assets to be traded and their sources is also utilized as parameters for the purchase and sale signals.

4. An asset management advice system according to claim 2 wherein, qualitative data relating to assets to be traded and their sources is also utilized as parameters for the purchase and sale signals.

5. An asset management advice system according to claim 2 wherein, quantitative macro information data in the locations of sources and transaction regions of assets to be traded is also utilized as parameters for the purchase and sale signals.

6. An asset management advice system according to claim 2 wherein, qualitative macro information data in the locations of sources and transaction regions of assets to be traded is also utilized as parameters for the purchase and sale signals.

7. An asset management advice system according to claim 1 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to an asset recommended by the investment scenario and data constituting parameters for them to update the database.

8. An asset management advice system according to claim 1 wherein, the data processing means produces a plurality of investment scenarios with different characteristics and produces management advice data based on one investment scenario of them in accordance with the user'"'"'s selection.

9. An asset management advice system according to claim 8 wherein, an animation character is set for each investment scenario and the character operates in accordance with the management advice data, to be an interface with the user.

10. An asset management advice system according to claim 9 wherein, the data processing means stores management performance records for a past prescribed period of each investment scenario and the management performance records together with the animation character are presented to the user.

11. An asset management advice system according to claim 8 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to an asset recommended in accordance with the characteristics of each scenario and data constituting parameters for them to update the database.

12. An asset management advice system according to claim 1 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to user'"'"'s holding assets and data constituting parameters for them to update the database.

13. An asset management advice system comprising:

a communication means for connection to a database storing purchase and sale signals relating to assets to be traded in a market;

a data processing means for producing a suitable investment scenario when a user'"'"'s property information is inputted from a prescribed input means, referring to the purchase and sale signals to provide management advice data based on the investment scenario to the user, the advice being to purchase or sell at least one asset, and selectively performing an actual or virtual asset transaction in accordance with the user'"'"'s response to the management advice data;

the data processing means further producing a plurality of investment scenarios with different characteristics, and management advice data based on one of said investment scenarios selected by the user; and

an animation character being set for each investment scenario, the character operates in accordance with the management advice data, to be an interface with the user.

14. An asset management advice system according to claim 13 wherein, data relating to prices, the amount of remains and the volume of trading of assets to be traded is utilized as parameters for the purchase and sale signals.

15. An asset management advice system according to claim 14 wherein, quantitative data relating to assets to be traded and their sources is also utilized as parameters for the purchase and sale signals.

16. An asset management advice system according to claim 14 wherein, qualitative data relating to assets to be traded and their sources is also utilized as parameters for the purchase and sale signals.

17. An asset management advice system according to claim 14 wherein, quantitative macro information data in the locations of sources and transaction regions of assets to be traded is also utilized as parameters for the purchase and sale signals.

18. An asset management advice system according to claim 14 wherein, qualitative macro information data in the locations of sources and transaction regions of assets to be traded is also utilized as parameters for the purchase and sale signals.

19. An asset management advice system according to claim 13 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to an asset recommended by the investment scenario and data constituting parameters for them to update the database.

20. An asset management advice system according to claim 13 wherein, the data processing means stores management performance records for a past prescribed period of each investment scenario, and the management performance records together with the animation character are presented to the user.

21. An asset management advice system according to claim 13 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to an asset recommended in accordance with the characteristics of each scenario, and data constituting parameters for them to update the database.

22. An asset management advice system according to claim 13 wherein, the data processing means automatically collects data concerning the purchase and sale signals relating to the user'"'"'s holding assets and data constituting parameters for them to update the database.

23. An asset management advice system according to claim 13 wherein, the user can select either a real mode in which to access the market to perform actual asset transactions made by the data processing means in real time, or a virtual mode in which the asset transaction are performed virtually and with no access to the market.

24. A recording medium recording an asset management advice program that makes a data processing unit perform steps comprising:

producing a suitable investment scenario in response to a user'"'"'s property information provided as an input;

producing management advice data based on the investment scenario relative to purchase and sale signals relating to an asset to be traded, the advice being to purchase or sell at least one asset; and

performing an asset transaction in accordance with the user'"'"'s communicated decision to purchase or sell, wherein the user can select either a real mode in which the system responds to the user'"'"'s decision by accessing the market to make actual transactions, or a virtual mode to make transactions virtually using actual market values at the time without making an actual asset transaction, and the results are tracked using actual market results as if an actual transaction had been made in the market.

25. A recording medium according to claim 24 wherein, the asset management advice program further comprises a process in which a data processing unit automatically collects data concerning the purchase and sale signals relating to an asset recommended by the investment scenario and data constituting parameters for them to update the database.

26. A recording medium according to claim 24 wherein, in the scenario producing process a plurality of investment scenarios with different characteristics are produced, and the user selects one investment scenario therefrom.

27. A recording medium according to claim 26 wherein, in the scenario producing process an animation character is set for each investment scenario, and in the management advising process the character operates in accordance with the management advice data, for providing an interface with the user.

28. A recording medium according to claim 27 wherein, the asset management advice program further comprises a process of storing management performance records for a past prescribed period of each investment scenario, and in the management advising process the management performance records together with the animation character are presented to the user.

29. A recording medium according to claim 26 wherein, the asset management advice program further comprises a process of automatically collecting data concerning the purchase and sale signals relating to an asset recommended in accordance with the characteristics of each scenario, and data constituting parameters for them to update the database.

30. A recording medium according to claim 24 wherein, the asset management advice program further comprises a process of automatically collecting data concerning the purchase and sale signals relating to the user'"'"'s holding assets and data constituting parameters for them to update the database.